23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife was in a XXXX XXXX  and we struggled to keep up with payments however we stayed on top of them. However we did have a few check bounce and made it right so that we were not late. Bank of America will no longer allow us to make payments online and will only accept certified funds. Thais forces us to pay {$15.00} each month for a certified check. I want to pay my Bank of America mortgage out of my Bank of America checking account each month. Also when this first happened and could no longer pay online a XXXX XXXX XXXX  gave me address XXXX  XXXX XXXX XXXX XXXX, TX XXXX to make my payment. I mailed the certified check on the XXXX of XXXX and they returned on the XXXX of XXXX as a return to sender. Come to find out this address was for payoffs and not monthly payments. I had to call Bank of America back and get the correct address to overnight the check with cost an additional $ XXXXbecuase of the wrong address that the XXXX XXXX  gave me I was hit a 30 day late which we should not be given since I was giving the wrong address. I have the envelope that left XXXX XXXX on the XXXX of XXXX and the check receipt if you would like this to investigate. I believe Bank of America is not an advocate for thee customers and do unfair practices.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today, LJ Ross Associates, contacted my father ( I am not a minor ) and gave him specific details as far as my account number, the name of the company owed to and the exact dollar amount owed to XXXX. My father was not associated with this account. I was the only account holder
Product: Money transfer, virtual currency, or money service

Im victim of a Paxful.com scam. Been registered for more than 2 years. I got a email on the XX/XX/2023 that my account is freezing with more than XXXX $ bitcoins raison for having multiple account which is fake. And support says it could be resolved with no deadline stated which can be in a month, a year or never. After many check on the internet I noticed many same complaints from this company Paxful.com precisely on account with huge balance. Due to this Im living misery with unpaid bill, famine and I even lose my mom in a surgical operation because I couldnt afford money on time since it was freezing by Paxful.com. They are trying to scam people hard end money in a legit way.
Product: Credit reporting, credit repair services, 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 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are redlining my credit profile. These Bureaus are at fault for reporting account information multiple times. 
In XX/XX/2021 I closed XXXX account on my profile. XXXX, XXXX XXXX and XXXX. All of these accounts reported on the date that they were supposed to report in XX/XX/2021. The credit Bureaus all increased my score across the board. On XX/XX/2021 XXXX sent an alert that my score had gone up from XXXX to XXXX because an account removed a delinquency from my report. XX/XX/2021 XXXX updated my score by XXXX points from XXXX. On XX/XX/2021 XXXX sent an alert that a high utilization had decreased and my score had went from XXXX to XXXX. On XXXX XXXX XXXX reported that my score had went from XXXX to XXXX because a collection account was removed from my profile. On the same day XXXX lowered my score from XXXX to XXXX did not provide a reason for the change. On XXXX XXXX XXXX sent an alert that the balance on my bank card has DECREASED causing my score to drop from XXXX to XXXX. The same day Experian sent an alert that the balance on XXXX of my accounts decreased by {$85.00} causing my score to increase XXXX points to XXXX. On XX/XX/2021 an alert from XXXX that my score had decreased from XXXX to XXXX. On the same day XXXX sent an alert that my score had dropped from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX. No explanation was given. On XX/XX/2021 XXXX sent an alert that my score had went from XXXX to XXXX without any explanation. On the same date XXXX sent an alert that my score had dropped from XXXX to XXXX no explanation was given. On XX/XX/2021 Experian sent an alert that my score had decreased from XXXX to XXXX no explanation was given. On XX/XX/2021 XXXX reported that XXXX XXXX had reported that my account was closed and in good standing. XXXX lowered my score from XXXX to XXXX. On XX/XX/2021 XXXX reported that an account balance had increased by {$75.00} which caused a change in points from XXXX to XXXX. On XX/XX/2021 Experian sent an alert that an account on my profile had been updated as ( XXXX XXXX ) from XXXX. XXXX is not a loan it is a line of credit. Experian lowed my score by XXXX points from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that XXXX had updated my account as closed and paid as agreed dropping my score from XXXX to XXXX. On XX/XX/2021 XXXX sent an alert that my score had dropped from XXXX to XXXX because XXXX reported that the account was closed at my request. These Bureaus are REDLINING my credit! I have no collections or bankruptcies. I have reached out to each bureau to get a reasonable explanation as to the dramatic drop in points in the course of XXXX weeks. No explanation was given. I am filing this complaint because there is no official way to complain directly through the bureaus. I am requesting that a formal investigation be preformed.
Product: Vehicle loan or lease

I am writing to dispute the alleged loan agreement that appears on my credit report. I have no knowledge of this loan and have never signed any agreement for it. I believe this to be an error or possibly identity theft. 

I request that you investigate this matter and remove the loan agreement from my credit report. Please provide me with any documentation or information related to this loan agreement that you have in your possession. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am writing to express my extreme dissatisfaction with the lack of cooperation and understanding I have encountered from your company regarding my current financial situation. As a loyal customer, I have always made timely payments on my auto loan ; however, due to unforeseen circumstances, I am experiencing temporary financial difficulties. I feel the settlement agreement of {$9600.00} was feasible. The car isnt worth more than that. 

Despite my attempts to reach out and discuss the possibility of settling my payments and working out a feasible plan to avoid falling into collections, I have been met with outright refusal and threats of repossession. It is disheartening that your company is unwilling to consider my situation and provide any form of assistance or flexibility. 

I understand the importance of meeting financial obligations and assure you that I am committed to resolving this matter. However, I need your cooperation and understanding to do so. I kindly request that you reconsider your stance and work with me to find a solution that is mutually beneficial. 

I believe that by working together, we can find a resolution that prevents the escalation of this situation and maintains the integrity of our business relationship. I am open to discussing alternative payment arrangements or any other options that may be available. 

I urge you to give my situation the attention and consideration it deserves before taking any further actions, such as repossession, which would only exacerbate the problem. I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a company credit card at XXXX. XXXX XXXX did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to XXXX, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Product: Checking or savings account

hello Resolution of a claim with a ghost company from XXXX : XXXX XXXX : XXXX I did a claim to my bank wells Fargo I did some purchase last year, but I never got the merchandise, so I did a claim to my bank because I did this purchases through my account with them. they did some research and refund the money to my account, and on XX/XX/2020 they withdrawn again the money from my account {$760.00} saying I did not response for the investigation, they never told me they were keep doing research, they took a month to refund the money to my account, and send me a new card for protection, I don't speak XXXX, my wife is doing this for me, they said they called me but probably in XXXX and they said they send me a letter for more information, when I did the claim it took me over a hour and gave all the details, the dates and the merchandise, never was told they were doing more research, though after a month they did it, and for the reason they refund my money, I need my money I am a salary person, I have a family and {$760.00} is a lot of money for me to just be taking off, I need help to get this money back, I did not know this company is a ghost company, and do frauds, I thought they as my bank will support me as his customer.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent account and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report.

Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 



XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and a public record USBK COURT XXXX ALABAMA XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. I have also attached a copy of my current driver license please update my current address to XXXX XXXX XXXX, XXXX FL XXXX
Product: Credit card

Never told me what purchases that were made that added up to to the amount owed.
Product: Checking or savings account

In XX/XX/XXXX, I filed a complained with SunTrust about airline charge on our bank account. The international airline refused to refund our ticket after they said if we bought another ticket they would refund the old ticket. 
We reported the issue to SunTrust and provided all the documents including email. 
In XX/XX/XXXX, after investigations SunTrust Bank, reversed the charge and closed the case. On XX/XX/XXXX, without notification to us from SunTrust, they re-posted the airline fee. We called to ask why and to re-dispute the charge and they will not respond. We called Suntrust multiple time to re-expalin the re-charge and they have essentially ignored us and stated that the airline informed them we flew so they reversed the charge. We asked for evidence to support what the airline said and they will not provide us anything. We asked them to re-examine all the supporting evidence including direct email from the airline and they will not. As a result of SunTrust actions to re-post the charge on our account, it has led to multple charge-backs and NSF fees posted from SunTrust.
Product: Credit card or prepaid card

In XX/XX/XXXX we bought into what was believed to be an online marketing business called XXXX. XXXX educators presented very convincible scenarios where one could make money on-line simply by marketing XXXX products. The largest and most beneficial of those training sessions was called XXXX Masterminds, in most cases, this was a series of four ( 4 ) four ( 4 ) day  training sessions in XXXX XXXX, at another XXXX facility. 

From XX/XX/XXXX through XX/XX/XXXX, we consumed as much knowledge of online marketing as we could through XXXX online training webinars and our coaches. Our first XXXX  Mastermind was scheduled for XX/XX/XXXX through XX/XX/XXXX. XXXX was served a civil lawsuit by the Federal Trade Commission ( FTC ) on XX/XX/XXXX. Consequently, our Mastermind event was cancelled and products/services that were paid for were not received. On XX/XX/XXXX, a Preliminary Injunction was instituted by Judge XXXX in XXXX, FL which is the same as a Temporary Restraining Order ( TRO ), except that it continues indefinitely. 

All FTC filings and updates can be found here ; http : XXXX  To buy into the business of XXXX at a {$60000.00} level, XXXX  provided a process for credit card financing this cost. The process had you charge {$60000.00} on your personal cards and then open new cards to transfer the balances. 

The personal cards we used for this charge were XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and Fifth Third Bank. Upon the news of XXXX shortly after XX/XX/XXXX, we filed disputes with all of these cards. Each credit card company reimbursed our full amount except Fifth Third Bank. 

Fifth Third denied our dispute ( Case # XXXX ) for {$18000.00} after their investigation. This investigation began XX/XX/XXXX with a dispute case number and was closed XX/XX/XXXX. When I called to get status updates, Fifth Third kept referring to a term I was unfamiliar with called charge back. It wasnt until my XX/XX/XXXX phone that this term, charge back was explained to me. I have come to find out that charge back was their term for charging back this amount to XXXX. This was not possible since the civil lawsuit, TRO, and Preliminary Injunction prevented XXXX from conducting any business or communicating with anyone. I feel that Fifth Third Investigator ( s ) did not do their jobs adequately because if they had looked at the web site ( http : XXXX  ), they would have realized or understood that a charge back was not possible. 

In my last conversation with the Dispute Department Supervisor at Fifth Third while I was asking many questions to better understand, she said the case was closed and hung up on me. 

We were awarded all other disputes with each of these credit cards, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX, except Fifth Third Bank. 

Fifth Third practices and processes are not up to par with their competitors and they do not protect their consumers against fraudulent charges or scams. It is for the above reasons I am filing this complaint.
Product: Debt collection

I GOT A LETTER SAYING THAT MY PERSONAL INFO WAS IN A DATA BREACH AN WAS SOLD ON THE BLACK WEB. THEN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE ADDRESS, INQUIRYS, AN COLLECTIONS
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX  : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Checking or savings account

Two fraudulent charges made on my account on the same day. First was a with-drawl of {$7100.00} from a fraudulent check and another in the amount of {$2500.00} made using a fraudulent E-with-drawl. Wells Fargo reimbursed the first fraudulent transaction but closed the claim on the second stating that I gave permission to with-drawl. I am in the military and at the time of the transaction I was conducting a training rotation in XXXX XXXX, CA. No one else has access to my card, nor have I ever given anyone permission to with-drawl funds from my account. These transactions happening on the same day within hours of each other does not seem to be suspicious to the Wells Fargo Fraud Investigation team and need some help getting my money back.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with your continued failure to resolve the inaccuracies on my credit report.