23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing to follow up on my previous complaint regarding a fraudulent charge on my credit card account that was reported on XX/XX/XXXX, in the amount of {$170.00}. Despite multiple attempts to resolve this issue over the past several months, I have yet to receive any updates on my dispute or a claim number from your institution. 

I am extremely disappointed in the lack of progress and attention that has been given to my case. As a result, it appears that Bank of America is essentially stealing my money at this point, as the fraudulent charge has not been removed from my account. 

I have also filed a CFPB complaint. The agent did not respond or help me resolve my case in the 60 days following this complaint. 

On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. Its XX/XX/XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with BoAs customer service waiting for someone from their fraud department to take my call. Since it has been over seven months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.
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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

ON XX/XX/2016 I WENT OUT CAR SHOPPING TO PURCHASE A CAR. I WENT TO XXXX XXXX IN XXXX VIRGINIA TO LOOK AT A CAR. DURING MY APPLICATION I SUMMIT I GOT TURN DOWN FOR MY APPLICATION. ON MY CREDIT REPORT XXXX DENIED MY APPLICATION. I AM NOT DISPUTING THAT. BUT I ONLY SUMIT ONE APPLICATION AND IT SHOWS TWICE ON THE SAME DATE AS XX/XX/2016 AT THE SAME DEALERSHIP. I HAVE DISPUTE THAT SEVERAL TIMES AND STILL NO CHANGE, IT SHOULD ONLY SHOW ONCE ON MY CREDIT REPORT AS A HARD INQUIRY NOT TWICE. I AM DISPUTING THAT AND I WANT THAT ONE REMOVED. I AM NOT DISPUTING THAT I SUMMIT APPLICATION I AM ONLY DISPUTING THE SECOND ONE. I WENT TO DEALERSHIP TO INQUIRY ABOUT THAT BUT THEY STATE THEY CANT DO NOTHING ABOUT IT. I CALLED XXXX AND I GET THE ROUND AROUND
Product: Debt collection

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXX XXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights. Delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXXXXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

I lived in XXXX XXXX on XXXX XXXX from XX/XX/XXXX untilXX/XX/XXXX I called XXXX to have my lights, gas and electric turned off, however, they never shut it off and someone else ran up my light bill. I called them several times to remedy the situation and each time they promised that it is resolved. However, a balance of {$1200.00} from XXXX is showing up on my credit report on all 3 agencies. I need this removed and disputed immediately. This is unfair and complete unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # XXXX for {$50000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Debt collection

The bankruptcy was discharged in XX/XX/XXXX which included the house and the property was removed from my name in XX/XX/XXXX by XXXX XXXX XXXX. In the past week I have received 3 letters and 2 phone calls stating that I am delinquent when the house is owned by someone else and has been for 5 years. I have no credit with XXXX XXXX XXXX. When speaking with a person from XXXX XXXX XXXX, they said the mortgage was closed XX/XX/XXXX, yet I received phone calls after that conversation.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with the Illinois Department of Human Services. I do not have an account or contract with the Illinois Department of Human Services. I do not have an account or contract with Harvard collections. 

Harvard Collections Sent this account to collections XXXX XXXX with the following information : Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1200.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE I disputed the account via XXXX, and it was removed from my credit report. 
The account was reported again in XX/XX/XXXX with the following information : Account info Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE The first time this was sent to collections it states that the Date opened is XX/XX/XXXX. The second time it is sent to collections it states that the Date opened is XX/XX/XXXX. 

Again, this is not an account that is associated with me, and I have had no contact or correspondence with Harvard Collections. This has caused my credit score to drop significantly, negatively affecting my financial health. I would like a permanent resolution to this matter.
Product: Student loan

I have not been able to log on to my Navient account portal in over a year. The website simply says " Were sorry an error occurred. Please try again. '' I have called the company numerous times and they have tried changing my login information and resetting my account but nothing has worked. When I call the company says they will follow up with me after they discuss the problem with IT, but they never call back.
Product: Student loan

I am writing to follow up on the recent correspondence sent regarding the discharge of debt for my estate. The negotiable instruments sent via registered mail have been presented and tendered as a valid remittance, and it is imperative that the Indenture Trustee acknowledges and accepts these instruments in accordance with the duties and responsibilities outlined in the publicly filed SEC documents. 

The evidence I provided supports the legitimacy of the notes as valid negotiable instruments tendered to NAVIENT PRIVATE LOAN TRUST in good faith. Additionally, ownership of the notes has been established, and I, as the authorized noteholder, possess the authority to receive payments of principal and interest. 

I received an electronic response alluding to concepts such as " Redemption, '' " Strawman, '' or " Accepted for Value, '' accompanied by accusations of frivolous claims and potential fraud. I wish to clarify that my original correspondence was not associated with those notions. Instead, I am adhering to the instructions provided through public filings outlining the duties of the Indenture Trustee, with me being the noteholder. There is no fraudulent intent in my request ; rather, I am asserting my rights and equity in these assets of value as a bona fide purchaser.
Product: Debt collection

SouthWest Credit XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Last Four of SSN : XXXX VIA USPS CERTIFIED MAIL/RRR # [ XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX Original Creditor Account Number : unknown Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$120.00} Dear Southwest Credit : I recently received communication from you date XX/XX/XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. I noticed this morning you have already violated section 1692G and dunning letter laws by listing the account on my credit report ( this is a FDPCA VIOLATION ). Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. Also be advised you to have already violated the law by placing this account on my credit report prior to waiting the requiring 30 days under the FDPCA and dunning letter laws. I will be forwarding this information to CFPB and my state Attorney General. I will also be following up with your compliance officer which I looked up on XXXX XXXX his name is XXXX XXXX and if you do not remove it ; he will be my next level of contact for your blatant violation of the law. Lastly, Ive bought my home in XXXX and Ive had XXXX  for the last 14 years and I am current XXXX  customer right now! Your company has tried to collect on this alleged debt more than once and I continue to tell your company your records are wrong! My consumer rights attorney has advised I send this letter and we are keeping copies of everything ; further, this information will be sent to Alabama XXXX XXXX and the CFPB. 

Sincerely, XXXX XXXX Enclosure cc : Consumer Financial Protection Bureau via fax XXXX
Product: Debt collection

There is a collections on my account for where I never lived and I called the collections company and they said The person only had a ID
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THE TIME I WAS IN A HOSPITAL, MY VEHICLE WAS AT AN IMPOUND LOT RACKING UP STORAGE FEES AND MY VEHICLE WAS SUBSEQUENTLY AUCTIONED OFF AS I WAS STILL IN THE HOSPITAL AND UNABLE TO LEAVE. 

IN MY VEHICLE, WERE MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS AND XXXX AND XXXX AS I WAS PREPARING TO GO OVER MY TAXES AND SEE IF I MISSED OUT ANYTHING. 

WHOEVER RECEIVED MY VEHICLE AND THE PERSONAL IDENTIFICATION DOCUMENTS AND CREDENTIALS DID NOT SECURELY DESTROY THEM AND IT ENDED UP IN THE HANDS OF FRAUDSTERS WHO SPENT OVER USD 5000+ ON EACH OF MY CREDIT CARDS THAT I PAY IN FULL EVERY MONTH SINCE 1998. 

I HAVE NEVER HAD XXXX INTERNET INSTALLED IN MY HOUSE AS IT IS SLOWER THAN CABLE OR FIBER AND SO I DO NOT KNOW HOW AN XXXX XXXX XXXX XXXX COLLECTION ACCOUNT APPEARED ON MY CREDIT HISTORY AS A COLLECTIONS. 

THE PERSONS WHO GOT A HOLD OF MY IDENTITY DOCUMENTS MAY HAVE LISTED ME AS A GURANTOR OR LISTED MY ADDRESS AS THE BILLING ADDRESS FOR SERVICE SOME WHERE ELSE. 

THIS HAS ALL BEEN REPORTED TO THE US POSTAL INSPECTION SERVICE ABOUT THIS IDENTITY THEFT WHICH THEY ARE INVESTIGATING. SEE ATTACHED REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XX/XX/XXXXXXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.
Product: Credit reporting or other personal consumer reports

Tomo credit builder vip account is charging me for credit reporting that is not reporting to my credit report.
Product: Checking or savings account

On XX/XX/XXXX, there was ACH fraud in my Coinbase.com account. The attacked did not steal any crypto, but used ACH banking to connect my Coinbase account to two fraudulent accounts XXXX XXXX XXXX XXXX Bank and XXXX XXXX XXXX ( prepaid card through XXXX  ). 

The attacker used ACH transfer to transfer XXXX dollars to XXXX XXXX XXXX  and XXXX dollars to XXXX. I found the same day and I contacted Coinbase. Also I contacted the FBI and filed and FTC report through identitytheft.gov. FBI is working on a subpoena but this will take some time. 

Coinbase was not able to give me any details about those two accounts. Instead they froze the accounts and locked me out. I contacted the two banks and they tried to locate the accounts. It took more than a week for Coinbase to restore access to my account. I found the last 4 digits of those accounts and contacted those banks. Both asked Coinbase to send a letter of indemnification, which they refused. 

I reached out to Coinbase again and here is their response : " XXXX XXXX, Thank you for your response. 

We understand that you need a letter of indemnification for XXXX XXXX XXXX. 

Please immediately report the unauthorized transactions to all applicable law enforcement agencies in your jurisdiction. For Law Enforcement Officers only : Information requests for criminal matters should be directed to : XXXX Coinbase is willing to offer full cooperation with all law enforcement investigations relating to unauthorized activity on your account. Please note that unauthorized transactions are irreversible. 

We also appreciate your feedback regarding the notification. Please know that improving our security is a top priority. 

Online hackers and scammers may utilize malware to steal your login credentials, or remotely take over your device or browser session. If you havent already done so, be sure to scan all of your devices with a reputable anti-virus and anti-malware software, ensure your devices and browsers are up-to-date with the most recent versions and security updates, and uninstall any questionable software or browser extensions, especially any tools that allow remote access to your device. 

Keep in mind that the account holder is responsible for the security of their devices and credentials used to access their email and Coinbase account, and as such, are responsible for any activity that occurs when those devices or credentials are compromised. 

If you have any other questions, please let us know. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) raised a dispute request 30 days back with Transunion regarding my credit score decrease drastically, they investigated and gave some of the credit points, but not fully. 

2 ) raised a dispute request 30 days back with XXXX regarding my credit score decrease drastically, seeing same credit score even after investigation .. so raised second dispute with unsatisfied results
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 15 U.S.C. 1681. 
XXXX. XXXX  XXXX XXXX XXXX # XXXX 15 U.S.C 1681 602 A states that I have the right to privacy.

15 U.S.C. 1681 604 ( a ) ( 2 ) It also stats that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information other than adverse item of information and other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 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

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX XXXX- number XXXX payment late year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

I have a savings account with BB & T and the bank is still holding the funds in the account. Please close my account and issue refund to my current mailing address.
Product: Checking or savings account

On XX/XX/2023 Funds were taken out of my checking account without my consent. I am currently in XXXX. I have been here since XX/XX/2023 and do not return until XX/XX/2023. This is information I provided chime and information I provided proof of. Funds were taken out and put into a " XXXX XXXX  '' account. I DO NOT have a XXXX  account. XXXX is not even allowed to be used where I am located currently, in XXXX. I reported these charges RIGHT AWAY to Chime and literally in less than a few hours after reporting they denied my claim. I then had to report this again and provide more information and told them these charges were COMPLETELY UNAUTHORIZED, THEY ARE FRAUD. I DO NOT have my debit card with me. I am in a location where it would literally be impossible to make transactions such as these. When I reported it again, they sent a confirmation email saying they're investigating and temporary funds would be added to my account by XX/XX/XXXX. Then right after receiving that email, within a few hours of reporting AGAIN, they denied the claim. They are not taking into account any of the information I'm providing. I even offered to sign a statement that states that these transactions were not done by me. I provided proof of me being in XXXX and can provide even more proof if needed. I need my funds back ASAP. They are absolutely not doing ANY sort of investigation and just blindly denying my claim despite overwhelming evidence in my favor.
Product: Mortgage

Homepoint miscalculated my escrow after refi XX/XX/XXXX. XX/XX/XXXX I requested they correct the amount, ( too high by over {$XXXX} ). 
When I called to check on this I was told they had not even done it, and in fact had closed the issue without doing anything. I again requested a recalculation. On XX/XX/XXXX I was provided with a Escrow Statement that completely left out my home insurance payment. I asked for Homepoint to recalculate the escrow a third time. I was assigned a Complaint Associate who would take ownership of the issue, he only called me twice. Both conversations were to notify that it had not been fixed yet. Today I called because I had not heard from them and I was concerned that my home insurance payment had not been made. The associate I spoke with read the new escrow amounts to me. They are close to correct, but I think the home insurance amount is still too low. I can not access the new The people I spoke with today could not even help me because their policy is that once it has been escalated to the Complaint department I can only talk to them, but they somehow can't get anyone on the phone. This whole time, I have asked to speak with Escrow directly and they will not allow it.
Product: Consumer Loan

PURCHASED CAR XX/XX/2015, WHEN PURCHASED DEAL OF 75 MONTHS 0 % INTEREST AND NO PAYMENT FOR 90 DAYS. BECAUSE THIS WAS NOT WRITTEN IN ACTUAL CONTRACT, THEY DID NOT EXTEND THE 90 DAY OFFER. NOW I HAVE A 30 DAY LATE PAY SHOWING ON MY CREDIT REPORT. I HAVE TRIED TO CORRECT REPORTS, DEALER REMEMBERS THIS WHOLE THING BUT SINCE WE SIGNED CONTRACT AND IT WAS NOT WRITTEN IN CONTRACT THEY ARE NOT ABLE TO DO ANYTHING. THIS IS HORRIBLE AND EFFECTS ME GREATLY