23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I received a notification from Bank of America reporting a possible fraud committed with my credit card. I immediately contacted the bank to verify the information and let them know that it was a fraud. I made a statement mentioning that this transaction could not be possible because at that time the card was with me, which was very confused but Bank of America decided that it would carry out an investigation. A few days later I received a written notification stating that the case was closed because the card had been physically used in the store and could be inserted and read by the machine which made me feel more confused. Trying to find the alert notification that Bank of America sent to try to understand the situation a little more, I found that in my email there was also a notification from the bank that a new credit card would be sent because the one that was currently in my hands was about to expire and this was sent on XX/XX/year> for Bank of America. At that time I went to look at the mail and I did not find this card that was sent. I called Bank of America again to report that I never received this sent card. The agents who were taking my complaints at that time no gave me any guidance from what I can do to protect my self to regarding these cases. I even asked if I should make a report to the police and they mentioned that it was not necessary because the case was already under investigation However, I took information on the Internet because I did not feel supported and comfortable by the bank agents and the amount used was high and they didn't give me a satisfactory answer So I started asking for help to clarify this situation by other resources also filing a complaint at the post office because my mailbox was in perfect condition was not vandalized and it was likely that my correspondence was left somewhere else. I made a report to the police and now I am using this help page because I consider It is a danger not to put a stop to these people who easily steal and that a company as big as Bank of America not looking for the necessary evidence, affecting people who struggle to pay in order to establish credit. I have been a client of this company Bank of America for XXXX years and during this time I never have been very stressed like now because they recently sent me another letter saying that the case was closed. I called them and they really didn't give me any concrete information. The only thing they told me was that I to wait and I had to make the minimum payment so that they wouldn't affect my credit, which made me feel very sad because I consider that I have worked very hard to maintain good credit, making a great effort to pay my debts on time, that is why I ask for your help to clarify this situation. I hope that Please consider helping a good citizen. I believe I deserve proof on these charges and not a letter with assumptions. Thank you for you appreciate time on this matter.
Product: Mortgage

I came home from hospital and called a friend to take me to XXXX XXXX she came at XXXX on XX/XX/2016. We returned a few hours later and when driving up I noticed my front door opened and there was a latter against the front of the house. She went to the back of the house while I looked around the front. My window inside was broken and someone had started cleaning up some of the glass.We both called out several times when to men finally came out from back. They said my mortgage company sent them to lock box my house. What, I said, I am not in foreclose.I asked for papers he had none, only a email. I called mortgage company, Rushmore Mortgage { XXXX } tried to reach XXXX XXXX but could n't { XXXX } she is my contact person that I keep constant contact with. The man told me that they did send him to lock box the house and that they thought I had moved out, also that it does not show I am in foreclose. I asked friend to call police and asked them to arrest him. Police spoke with mortgage company and they also told him I was not in foreclose but they had a right to be there. { police report cad # XXXX } After police and friend left, I open door and seen that he had been inside the house. Things were moved, television, tools, money, closets, draws were opened also in bedroom and basement door was opened. Things were moved by front door.I have trouble sleeping, I was so scared. I cried all the time officer was there.I am very sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

this world today is really loosing it, it crazy how people live their life like this hurting other by using personal information to open up credit cards, i would really like to know who is doing these things so i could press chargers, i would like these chargers off of my name because it is affecting my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Requested validation and got none! 
Constantly updating on credit reports Multiple accounts being reported to credit report agency s repeatedly. 
{$670.00} {$290.00} {$200.00} Making it impossible to keep my credit up.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been over 45 days since i have sent transunion a copy of my ftc report. my information was stolen and was used to try to obtain goods, and credit in my name. though these attempts were unsuccessful, my credit report is now filled with tons of fraudulent inquires from the attempted fraud. i was instructed by my local police department to file an federal identity theft report, and submit it to the credit bureaus which i did, XX/XX/2020 certified mail by the us postal service. to this day i have yet to received anything from transunion regarding these fraudulent inquires. i will attach a copy of my identity theft report, along with my drivers license, and social security card, for identity verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I received Dispute Results Report # XXXX for XX/XX/20 but Partial Account Number XXXX for XXXX XXXX XXXX still is being Reported as a Derogatory Negative Item ... 

I have Evidence that the Account is Fully Paid ... On Time Payments from Experian ... 

They also are Reporting One Late Payment which is Incorrect and Inaccurate ...
Product: Student loan

XX/XX/2019- I called in directly, in order to make an early payment with the company. This was after I was unable to navigate their website for the same purpose. the website gives the illusion that you have control over when and how and where you can direct payments, however once you choose an option, the only solution offered is to make an extra payment. The first customer service rep I spoke with didn't entirely understand my request and kept suggesting that I cancel my auto pay arrangement in order to make an early payment. After 10-15 minutes of asking questions and going back and forth with the rep on how that would work, I pointed out to her that the greater terms of my loan would be completely changed if I canceled the auto-pay arrangement. She continued to suggest that that was the only option I could use to satisfy my request. I then initiated a conversation with an alternate representative by asking if there was someone else that I could speak with because I felt that my point / request wasn't clear. The rep said there was someone else I could speak with and that she would arrange it. I was on hold for over 30 minutes, all the while listening to their auto prompt state that there was only a one minute wait time. The second rep that I spoke with gave me the same advice. I again pointed out to this option would affect the greater terms of my loan if I canceled the auto pay arrangement and he proceeded to tell me that that wasn't true. He was either poorly informed or lying about the situation, because I know for a fact that my interest rate will go up if I cancel the auto pay arrangement. This is yet another example of how this company poorly manages loans that were sold to them without permission from its consumers. It seems small, however, there isn't an early payment penalty in the terms. So I fail to understand why I can not find this service online or receive their knowledgeable assistance via phone.
Product: Debt collection

on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the XXXX that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report : Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX, account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely,
Product: Checking or savings account

I opened a checking and savings with XXXX bank in around XXXX or XXXX because I wanted to close my other bank accounts ( other bank is not relevant ). I went with XXXX because Ive been using their credit card for a couple years and after some research, seemed like they were a good fit. I waited to close my other bank accounts until I was allowed to use XXXX at XXXX ( there is a waiting period of 60 days before you can use XXXX ). As soon as I was able to use XXXX, I closed my other accounts and transferred everything I had into my XXXX accounts. A couple days after I did that ( today, XX/XX/year> ), I open my XXXX app and see that my accounts are just closed due to suspicious activity. I check my money daily, and yesterday everything looked normal to me so Im not sure what it was. When I called about it the first time, they just told me that they could not give out that information and that they just decided to close it. No further information. I called again later on in the day to try again, and they told me about the same thing : that there is nothing I can do and they will just send my money to me in XXXX days. No reason for it once again. This puts me in a struggle since that is all my money and I cant even move it into a different bank account if I wanted to. They gave me no warning and they never reached out to ask me about any questions they had. If I didnt mention it before, this was both my savings AND checking account. I have no money at all right now because of them and it doesnt feel fair to me, especially since they never called me about it and I really have no idea what I did wrong. Now XXXX told to just wait for my money and re apply.
Product: Mortgage

We sold our house and we are in contract to close XX/XX/XXXX. Request payoff amount and received XXXX XXXX. This payoff was incorrect- stating we owed interest for all of XXXX in the amount of XXXX along with other fees. There were also unapplied funds in the amount of XXXX that no one could explain why they were not applied. We are currently almost out of XXXX XXXX XXXX through which our trustee has been sending monthly payments to the company that have not been accounted for, so they say. We have also been sending full monthly payments ( that include interest ) every month since bankruptcy. We are not behind at all. I have sent the correct documentation providing proof of this to the research department on XX/XX/XXXX and on XX/XX/XXXX I received XXXX emails with payments credited to our account. I called to follow up and was told that I was paid in full until XX/XX/XXXX and at this time I requested another payoff amount. This arrived and was the exact same amount as the previous one - nothing was adjusted. We then received a statement in the mail with our principal balance decreased to XXXX with XXXX in escrow. I called back to question this and why the payoff was not showing this change and they told me those payments credited were reversed. That the bankruptcy portion was not showing. I think submitted more information from the trustee of and itemized list of payments made from the courts every month. This was submitted on XX/XX/XXXX. I was told it was escalated- due to my situation of being in contract to close. I was told I would have resolution by the end of business day on XX/XX/XXXX. I called on that date and there had been no change. Called on the XXXX and no change. Called on the XXXX and was told that there are people ahead of me- they will not move me up in line, and I will hear by XX/XX/XXXX. I have been given a different story and different amount no statement is consistent with the other and no one will help. Possession is to be taken of our home on XX/XX/XXXX from our buyer per contract, we have a contract on another house and the buyers also have buyers in contract on theirs. I was told if I pay this wrong payoff amount even though I am disputing it and have been for a month - I am agreeing to the payoff. I am backed into a corner with this company. They know I am in contract and at some point have to close which means paying off the amount, tell me if I pay if off I agree, even though I do not and I know it is wrong. I have taken all measures and provided all documents to get this taken care of and no one is.
Product: Credit reporting

I have contacted Transunion Regarding Unauthorized Inquiries on my credit report, and I have supplied Transunions Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XXXXXX/XX/XXXXXXXXXXXX/XXXXINQUIRY DATE XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I am trying to regain access to my compromised account for my cryptocurrency at coinbase - after XXXX  company allowed identity theft and sim card number swap.I have been waiting form the coinbade specialist to contact me for over XXXX business days when in a original message stated to wait XXXX business days. I am highly concerned and unfortunately disappointed in the customer service coinbase is providing in such a sensitive case. I will be filing complaint in a hope that others dont have to go through the same stress associated with choosing coinbase as their cryptocurrency trating up. 
I am hoping someone will care to provide me with my case status update as soon as possible As well I have no response from tmobile after filing fraud and no help or directions or taking the responsibility for what happened what so ever
Product: Checking or savings account

Several disputes were filed in error by moneylion in which they deducted {$200.00} from my XXXX XXXX account for no reason causing it to go negative. I didn't file any disputes that they're referring to and my money is now missing. I keep getting the same generic response with no information no one can help I don't have my money my account is negative this is absolutely the worst experience
Product: Credit reporting or other personal consumer reports

The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX 

I reviewed my TransUnion credit report on XX/XX/XXXX, and found an issue with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The account listed below doesnt meet those standards. 

Supporting Evidence ( TransUnion Report Details ) : XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information. Specifically : 1. If the information cant be verified or is found to be wrong, they must : Delete or correct the item in your file.

Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.
Product: Student loan

When the COVID payment pause ended in XXXX, I noticed that my student loan payment had jumped, and that I was no longer on the XXXX plan ( REPAYE ) that I was on when the pause started. As confirmed by the government, borrowers did not have to recertify during the pandemic and should be simply restarted when the pause ended. 

I called Mohela and they lied to me at first and told me that I was supposed to recertify. After asking to speak to a manager, they told me that they would submit an application to get me back on the XXXX plan I was on prior to the pause, which is what is supposed to happen. 

Now, on XX/XX/XXXX, I received an email from Mohela telling me that my request for an XXXX plan could not be approved because I did not recertify. The rule is that I am not required to recertify and that I should be placed back on the XXXX plan I was on prior to the pause, and then given a new date for certification. 

I was given this XXXX ( which is like a case number ) : Qkey : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX has been unethical and deliberately alienated the credit bureaus to believe that I owe false debt. XXXX XXXX and Equifax are in violation of 15 USC 1681 2 ( B ). Reporting without my consent. Notice of violation XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 
XX/XX/2021, I filed a complaint with the CFPB that 2 years ago Equifax dropped my credit from XXXX which corresponded with Equifax XXXX losing '' several active lines that the other two major credit companies ( XXXX and XXXX XXXX have a record of. Equifax responded to CFPB complaint on XX/XX/2021 Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' CFPB XX/XX/2021 closed my complaint with Equifax " status-company responded on XX/XX/2021. '' To my knowledge, Equifax has done nothing to correct Equifaxs " thin file '' credit line deficiencies. 
I have sent several certified letters over the past 1 1/2 years to try to have Equifax correct their " thin file ' i.e. listing only two active sources of credit and ignoring the multiple other satisfactory credit lines maintained by me that the other two major credit companies ( XXXX and XXXX ) have a record of. I can find no way to resolve this issue with Equifax. I have sent Equifax copies of my active mortgage which they ignore. I have sent Equifax other credit files which Equifax ignores. My suspicion is I am talking to a computer and all responses regarding my situation is computer-generated with pre-canned responses.