23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, my daughter used my card to order her cap and gown. 
On XX/XX/2021 my daughters school emailed her and notified her about a cyber incident that had taken place w people who ordered their cap and gown and told me to keep a watch out for my card. 
I was out of the country so i was not able to access my account. As soon as i got home i checked my account and it was wiped out to {$0.00} ( i originally had a balance of XXXX on that card ). 
on XXXX, XXXX, 2021 i filed my first claim. And provided them with all the information i had. 
I received a temporary credit of XXXX applied to my account. I received a new card as well. On XXXX XXXX, the temporary credit was wiped out of my account again. 

I contacted boa that same day trying to figure out what happened and how this was able to happen if a new card was issued, and the representative told me that the " scammer '' had linked their account # to my account and they were able to wipe it account again threw a bank transfer. Which was not stated to me, or know by the first representative when i initially filed the claim Since XXXX been filing claims and they've been giving me the run around, and I've had to make new claims almost every time I've called because they keep getting closed out. My most recent claim number for BOA is:XXXX  Early XXXX, 2021 i got a letter in the mail saying that my account was credited the XXXX. So i went in to the bank to try to withdraw it and it was not in my account. Connected BOA and they claimed that the claim wasn't resolved it. I've been getting the run around for about XXXX  months now. I need my money back. 

I've contacted XXXX XXXX as well on several occasions. And filed a claim with them as well.
Product: Checking or savings account

I opened a checking account approximately 35 years ago solely in my name only to control large withdrawals from happening. The bank has changed hands 3 times however, my account number has remained the same. On Sunday XX/XX/2022, I noticed there was {$15000.00} withdrew from my checking account so I transferred {$30000.00} to my savings account leaving a small amount in the account. I contacted Fulton Bank customer service first thing Monday XX/XX/2022, and spoke to XXXX. XXXX informed me that Fulton Bank is showing the account as a joint account with my wife listed on the account. I stated that this is a huge mistake on Fulton Bank behalf as I purposely opened this checking account solely in my name only to prevent this from happening. My statements are mailed to me monthly with my name only on the account. My 1099 is in my name only. I requested documentation showing that my wife is legally listed on this checking account with my local Fulton Bank XXXX XXXX XXXX Maryland on XX/XX/2022. I was informed the documents weren't showing in their system that they were requesting documents to be researched. On XX/XX/2022, the records were researched listing me only on the account. My wife stated she didn't know she was on this account until the local branch informed her. My account information has been compromised ( transactions ), {$15000.00} is missing from my account, and Fulton Bank hasn't removed my wife from this account or returned the funds. Local XXXX XXXX XXXX XXXX informed me she is researching documents showing my wife on the account. I informed her the reason she can't find any documents with my wife on the account because there is none. XXXX XXXX refused to provide me a copy of my account documents solely listed in my name. This is a huge bank error that must be held accountable for. I'm requesting my wife removed from the account, {$15000.00} returned to the account, and compensated for this security breach compromising my account information.
Product: Vehicle loan or lease

Dear [ Recipient Name or To Whom It May Concern ], I am writing to formally file a complaint regarding improper handling and reporting of a vehicle repossession debt, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, including 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Failure to Remove Debt Balance After Sale : After my vehicle was repossessed and sold, the balance of the debt was not adjusted or removed as required. Despite the sale, the remaining balance has continued to be inaccurately reported. 

Resale of Debt and Duplicate Reporting : The original debt was subsequently sold to another lender, and both the original and new debts are being reported on my credit file as active, resulting in a duplicate entry that significantly impacts my credit score. 

Lack of Proper Notice and Validation : I have not received proper notice, validation, or documentation of the debt 's accuracy from either the original creditor or the subsequent debt buyer. 

Violations of Consumer Protection Laws 15 U.S. Code 1681b : Credit reports must be accurate, and lenders must have a permissible purpose to report debts. The duplicate reporting of this debt and its inaccuracies violate this requirement. 
15 U.S. Code 1681n : The continued reporting of incorrect debt balances and duplicates suggests willful noncompliance with the FCRA. 
15 U.S. Code 1681o : At the very least, the handling of this debt reflects negligent noncompliance, causing significant harm to my credit standing. 
Uniform Commercial Code ( UCC ) 9-610 and 9-611 : The sale of repossessed property requires creditors to provide notice of sale and ensure commercial reasonableness. If proper notice was not given, this could constitute another violation. 
Impact on Credit and Financial Standing These actions have resulted in : Significant damage to my credit score. 
Denial of credit opportunities due to the false portrayal of my financial obligations. 
Emotional distress caused by the financial uncertainty and frustration of dealing with repeated inaccuracies.
Product: Credit card or prepaid card

I have a Bank of America Visa XXXX card and on XX/XX/2023, I instigated a transfer to my checking account at XXXX XXXX XXXX XXXX of {$5000.00} On XX/XX/XXXX, Technicolor received a Prenotification from Bank of America that the {$5000.00} was coming in. However, it never arrived. The transaction number for the {$5000.00} deposit is XXXX. I immediately contacted Bank of America and filed a complaint, # XXXX but I received a letter from them on XX/XX/XXXX, that my claim was denied because no error occurred. I then requested the documentation from the transfer. On XX/XX/XXXX, I requested their documentation of the transfer which didn't come. On XX/XX/XXXX, I received another letter from Bank of America stating " here 's a copy of the documentation that we relied on to make our decision. Once again, no documentation. I called Bank of America XXXXs Help Desk so many times, but finally a person gave me a transaction number of XXXX, which I gave to XXXX to check out. XXXX accounting department couldn't make use of the number? On XX/XX/XXXX, I received another letter from Bank of America stating my claim will remain denied. After another post card to Bank of America, I received another transaction number Trace ID XXXX which was no helpful. After another call to Bank of America, I was told I needed to file a Police Report. I went to the XXXX XXXX XXXX XXXX in XXXX, Ca, and met with XXXX XXXX XXXX XXXX. The Police Report ID is XXXX. On XX/XX/XXXX, I received another " form '' letter from Bank of America, sending me the same information they had sent before. I pray you can help me recover this life-changing money!!
Product: Debt collection

This is related to my debt collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was sold to some other company at the end of my XXXX .. All the bills were paid until then. But since the company was changing they were not able to collect anymore and i was told that I will get bills to my home.. This never happened, instead it directly went to Debt collection.. The debt collection agency ( Credit Center LLC ) reached out to with a higher amount which was not matching my insurance records.. I asked for entire statement since start including billed codes to the insurance.. which was sent to me till date by the debt collection agency.. They created 2 accounts for the debt collection and reported 2 late payment, which is unethical.. 

Reasons : Incorrect/higher amount requested, no attempt made by hospital to collect in the initial stages, information requested with additional billing proofs never provided Regards, XXXX.
Product: Credit card

Wells Fargo Has Violated My Consumer Rights as A Natural Consumer 3rd Notice XX/XX/year> Notice to agent is notice to principle Notice to principle is Notice to Agent Applications to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Credit Card '' 15 USC 1602 ( 1 ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. I the consumer and natural person have the right to invoice ( Wells Fargo Bank for their unlawful acts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attention CEO, XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Adverse Action Dear, Wells Fargo The consumer and natural person, was denied credit, By Wells Fargo Bank NONE when I applied for credit card for XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in IS US.C 169lc and is pursuant to civil liability under 15 USC 1692K You are subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by Wells Fargo due to the response I received Wells Fargo is in violation of 15 Us Code 1642 USC1681m and 12 CFR 1002 because | the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ] was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card on the behalf of Wells Fargo Bank if Wells Fargo Bank falls to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Wells Fargo Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681m and 15 USC 1681. I will also follow up with an invoice for said violations {$1000.00} per violation. 
Thank you, XXXX, XXXX, XXXX ( Agent/Beneficiary ) XXXX Without Prejudice, All Natural Inalienable Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote to Equifax requesting an investigation into items that I believed were inaccurate. 

NOW XXXX, Equifax failed to provide any investigation result.
Product: Student loan

I requested a student loan refund in the amount of {$10000.00} to EdFinancial on XX/XX/XXXX. I was told by the representative that I would not be receiving confirmation of my request for a refund, nor a notification that my refund has been processed. I have no formal confirmation that my request even occurred. Further, the representative could not provide me with an estimate of when my request would be processed, and when pressed, the representative told me it would be " months. '' I had originally paid my student loan balance in its entirety with XXXX XXXX XXXX XXXX XXXX in or around XX/XX/XXXX. EdFinancial subsequently took over loans being handled by EdFinancial. I asked the EdFinancial representative how I would now manage my newly refunded student loan balance, and was told that they did not know. I am being provided absolutely no information about how this refund process will work, or how to reestablish payments once my balance is restored.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 
Here is the item I am asking you verify as accurate :, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My Alliant Visa has been charged numerous times from XXXX without any form of receipt documenting what these charges were fo and I did not authorize these charges for unknown merchandise or services. I have contacted XXXX repeatedly and they are unable to provide any substantiation for the charges. 

The same thing happened with XXXX, though there were only two unsubstantiated transactions. 

I filed multiple disputes for these transactions and was contacted most recently by XXXX XXXX, who apparently refused to honor the disputes because he demanded the logically impossible from me : " proof '' that these were not valid transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you XXXX be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts XXXX in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of XXXX accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the account listed below on my credit reports. 
Equifax : XXXX XXXX XXXX 
account number : XXXX XXXX Experian : XXXX XXXXXXXX XXXX account number : XXXX The account XXXX XXXX XXXX was charged off in XX/XX/XXXX, yet it continues to report as a charged-off account each month up until XX/XX/XXXX, which is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, which require that credit reports be accurate and complete.

Additionally, I have found multiple discrepancies between the credit reports provided by Equifax, Experian and Transunion. According to the information reported : The account is shown as 60 days late in XX/XX/XXXX on Equifax, but it is reported as 30 days late in Experian for the same time period. This is a direct contradiction and creates an inconsistency in how the account is reported to both agencies. 

The report states that the last payment was received in XX/XX/XXXX, but the account was charged off in XX/XX/XXXX, making this information inaccurate and misleading. 

Given these inaccuracies, I request that the account be removed entirely from my credit report, as the continuous and incorrect reporting violates FCRA section 1681i ( a ) ( 1 ), which mandates that information that can not be verified must be removed from a consumers credit report. Furthermore, Regulation V ( XXXX XXXX XXXX ), which implements the FCRA, specifies that furnishers of information must ensure the accuracy and completeness of the information they report. 

This is my third time asking for this account to be investigated and you have failed to find the inaccuracies. I would appreciate a prompt response to this matter, as these errors are negatively impacting my creditworthiness.
Product: Money transfer, virtual currency, or money service

This is all related to my Coinbase Pro account ( case # XXXX XXXX. I tried to log in on XX/XX/XXXX and could not. They said someone from XXXX was trying to get into my account. They asked me if I knew anyone from XXXX, I said no. They asked me if I had given my password to anyone. I said no. They said ok, then we will block them. I started a withdrawal in the amount of {$510.00}. When I logged back in to see where the withdrawal was, I noticed all of my crypto was gone except of XXXX cents of XXXX. 
I just called Coinbase at XXXX and XXXX and talked with someone regarding my case # XXXX. They said all of my crypto assets had been stolen. This is the first time I have heard this and this complaint has been filed for a week. When I called both of these numbers back they said they have been disconnected. On both calls the person hung up on me when I asked for a full accounting of my account for XXXX. 
I have completed the Coinbase complaint form regarding not having access to my account and another one requesting reports of all XXXX transactions my account. I have been promised twice that someone would contact me within 24 hours, and nobody has called me. In addition to the two Coinbase Complaint Forms, I have filed a Complaint with the Better Business Bureau and now I need all my account transactions reports and crypto balances for XXXX to file a State Complaint, an SEC Complaint and then follow through with a lawsuit. 
Coinbase has no method of escalating Fraud or getting ahold of a Senior level person to report and resolve Fraud in a timely manner. To wait a week to tell me that my crypto asset had been stolen is complete negligence. In addition, my access was taken away and when I called in you said my account had been hacked. You asked me if I knew anyone from XXXX and I said no and then you asked me if I had provided anyone with my password and I said no. You said someone had tried to access my account and that you were going to block them. COINBASE DID NOT BLOCK THIS PERSON FROM MY ACCOUNT AND ALL MY CRYPTO ASSETS WERE STOLEN. I now need a complete accounting of my account to file additional complaints and sue you ( reference attachments ). 
I have sent 5 emails requesting an accounting of my account and there is no response ( see email verbiage below ) : This is a fifth request for an accounting of my account holdings each day during XX/XX/XXXX. In addition, I need an accounting of all transactions in my account during XXXX. I need to file a complaint with the SEC immediately! You guys are not responding within the period of time you told me you would. This issue started on XX/XX/XXXX. It has now been 20 days. I do not have access to my account and nobody has called me. You are a publicly traded company and have complaints for bad Customer Service. You promised you would change that and you have not. PLEASE PROVIDE THE RECORDS/REPORTS I AM REQUESTING ASAP! 

Coinbase is not responding and XXXX just did a story on this. They are not following their complaint guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I received a notice of and inquiry from XXXX   XXXX  XXXX. I contacted them right away and they communicated to me I was People 's United Bank who submitted the request. They advise me to go into the branch and disputed with them. Which I did. Per Peoples United Bank staff my credit was not ran by them. I never give any permission or authorization to any staff or People 's United Bank to run my credit for a Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on XXXX XXXX XXXX orders since XX/XX/XXXX which will extend to XX/XX/XXXX. 

I was trying to notify Amazon Synchrony ( account ending in XXXX ) that I was on orders and requesting SCRA benefits. I don't think the person I was speaking with spoke much XXXX, or at the very least didn't understand what I was saying. 

So instead of them putting me on SCRA benefits I was just notified that they put me on a " payment plan '' which I DID NOT request. And their company closes your account as soon as you are on a payment plan.

If you check my entire credit file you will see that ALL of my other accounts are on SCRA benefits. I have not closed any of them and have no intentions of closing them. 

I've been on the phone with their customer service and they have been so rude to even hang up on me. So I've received no assistance from them whatsoever. 

Please let me know how to resolve this issue as I know have a " closed account '' on my credit file and I did not close the account. 

Thanks in advance!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX {$XXXX}