23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, Bank of America contacted me via email about suspicious activity on my credit card from XXXX XXXX indicating they declined the charges. There were two charges for {$1500.00} & {$1900.00}. I immediately responded via email and phone to Bank of America to say I did not authorize either purchase. 

On XX/XX/year>, Bank of America paid XXXX XXXX, debiting my credit card, despite my request not to authorize payment and on XX/XX/year> Bank of America refunded those payments back to my account treating it as a fraud claim. 

XX/XX/XXXX I received a letter from Bank of America stating they could not approve my claim and charged me {$1500.00} & {$1900.00} on my credit card. A company called XXXX determined there was enough evidence ( name, address, phone number ) to hold me responsible for ordering the tickets through XXXX despite the transaction using a different IP address and internet service than mine. 

Text exchanges with XXXX on XX/XX/XXXX indicated my account had been disabled most likely by the people who hacked into it in XXXX. 

XXXX maintains that I authorized the tickets and used them. I never accepted them via email. The tickets were ordered for a city in which I do not live. 

Someone hacked into my XXXX account and Bank of America paid them despite alerting me of the suspicious activity and my response that I did not authorize the purchase. They knew it was fraudulent from the start.
Product: Debt collection

On Monday, XX/XX/21 at XXXX XXXX I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) - a debt collector. XXXX XXXX called me on a landline number ( XXXX ) XXXX that I do not use for business purposes. I provided XXXX XXXX my cell phone number and explained to him that I was working from home and on a conference call. XXXX XXXX responded that he didn't care and wanted to talk to me about a debt I owed to XXXX Credit Card Services. He explained that XXXX had closed my account and sold it off to his company. We agreed to speak later in the afternoon. I did explain to him that I was also on a work-related deadline. 

On Tuesday, XX/XX/21 at XXXX XXXX, XXXX XXXX called me on my landline phone. When I stated to him not to contact me on the landline number he replied " I don't care. I have you know. You owe this company money. You are a liar and a deadbeat ''. I stated to him his statement was disrespectful and harassing and asked him to stop. He refused and continued to call me a liar and a deadbeat. XXXX XXXX continued by stating " I am not worried about how you feel, I want the money you owe us, or I will ruin your credit score ''. At which time I expressed my concerns over his abusive, threatening, and harassing language and ended the conversation.
Product: Credit reporting or other personal consumer reports

I have disputed my Dept of Ed / NelNet Student loan but its still reporting on all 3 credit Bureau and they have not removed this student loan from my credit report, Personal Information : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX Fl XXXX, XXXX : XXXX Name of company that reported the item youre disputing and the partial account number ( from your credit report ) Account Information : DEPT OF ED / NELNET XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : STUDENT LOAN Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$0.00} per month, paid Monthly for 240 months High Balance ( Hist. ) High balance of {$66000.00} from XX/XX/XXXX to XX/XX/XXXX Reason for your dispute : XXXX in Bankruptcy Any corrections to your personal information ( address, phone number, etc. ) Name change : XXXX XXXX ( please remove XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone numbers : ( XXXX ) XXXX Website : XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number : ( XXXX ) XXXX Website : XXXX XXXXXXXX Mailing address : XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX number : ( XXXX ) XXXX Website : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security Number is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : XXXX XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/2022 Close Date : XX/XX/2022 Consumer Removed Date : XX/XX/2022 Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$940.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

I am unable to get in contact with Discover Bank regarding my funds and the freeze that they have placed on my account. I had transferred {$15000.00} into the account and the account was then frozen. I have tried multiple times to speak with someone on the phone and have waited for greater than 3 hours to speak to a representative. I have spent over 12 hours waiting on the phone, and have been disconnected multiple times. I am disappointed that I am unable to access my funds or speak to anyone regarding the issue. I have been unable to speak with a person from the fraud/security department regarding this issue. It is extremely worrying to have an email that there has been unusual activity and fraud on your account and then be unable to speak with someone and spend a week waiting on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was provided an extension of my car loan payment from NMAC in XX/XX/XXXX and XX/XX/XXXX. I requested the extension before my due date. The car loan account was closed and fully paid as agreed in XX/XX/XXXX. However, NMAC is reporting the extension they authorized and approved as a 30 day late payment. I was never told that by extending my payment it would be reported as a 30 day late pay. I was only told that the payment would be added to the end of the loan and would extend the final payment.
Product: Prepaid card

I bought XXXX gift cards on XX/XX/year> and wanted to use them online to make some purchases and they claimed that they work online with a billing address and my name. I tried to use them and it didn't work saying that the billing address wasn't working with that card. 

On top of that, I tried to access these cards online and the website won't allow me too so I believe they are blocked. I have other cards where I can at check the balance on the website. 

The XXXX cards numbers are : XXXX and XXXX
Product: Debt collection

Data breach 72 inquiries TransUnion XXXX XXXX XXXX XXXX did not give a 1099 since debt discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX  XXXX  Original creditor : XXXX XXXX XXXX  Account number 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
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

XXXX I received a text message from my loan officer stating we were getting ready to lock the interest rate for a XXXX XXXX close. 
XXXX received loan docs with estimated closing costs at {$13.00}, XXXX XXXX close scheduled forXX/XX/20 and paid for appraisal XXXX text massage from loan officer agreeing to meet preferred lender within {$600.00} - requested updated estimate for loan officer XXXX received text message form loan officer stating our rate was locked at 3.5 % with a monthly pmt of {$3200.00} +- closing disclosure cash to close {$54000.00} XXXX received confirmation of loan approval from loan officer with approval to resign XXXX received a call from lenser stating " XXXX XXXX '' is requesting a lock extension with a cost of {$2500.00} - however, we did not break lock XXXX received updated loan disclosure with cash to close {$57000.00} after XXXX alone approval and final loan disclosure - text message from loan officer " they are re-balancing and everything should be correct now - when I questioned this further, I received a text massage stating this was a change of circumstance - we never signed a change of circumstance with another text from loan officer stating " your old amount should be correct as we are just adding {$2500.00} XXXX we wired {$57000.00} to title to close XXXX arrived at closing appointment and was instructed to wire an additional {$560.00} adding {$960.00} to the original amount to close and exceeding the original agreed upon amount by more than {$2000.00} XXXX received text from loan officer stating I was charged twice for the appraisal in error ( however I was not ) XXXX received text from loan officer stating he was '' fixing the {$2500.00} ) and that I was credited back for the appraisal - I was never credited back for the appraisal and that Title would write me a check for the overpayment. Also that I would receive a refund from the appraisal company for {$370.00} XXXX F/U with loan officer about overpayment and status of refund of minimum {$960.00} XXXX questioned rate lock extension by XXXX  - loan officer states he requested final loan docs form Title XXXX again questioned rate lock extension, as we didn't break lock ( initially told by XXXX ) - response from loan officer " Amerifirst was requiring the lock extension because they would not be able to sell the loan until you had at least one paycheck. That is a requirement no matter who is servicing the loan. We may have underwritten with XXXX  but they must not have bought it. As far as the difference, did you take into account the potion of the appraisal that was credited back to you '' my response " I have not received a credit ''. Again, I received a text that the loan officer would look into it. then another text from loan officer " now that I am remembering ... .you should have received credit for the entire appraisal '' XXXX informed loan officer I am requesting a full loan audit as to date I have not received any clarity concerning my loan I can provide copies of all text messages
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  you reported my mortgage account status as Bank Adjustment/Deed-in-Lieu/Bank Liquidation. My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE Statuses from my ENTIRE credit files. 

To XXXX XXXX XXXX XXXX ( XXXX ) : Acct # XXXX. XXXX  was ORDERED by the CFPB to transfer my mortgage account to you, due to them PREVENTING me from being approved for a MODIFICATION. XXXX  was also ORDERED by the CFPB to CEASE & DESIST ALL FORECLOSURE PROCEEDINGS. 
We were in court proceedings to agree on a MODIFICATION, NOT A FORECLOSURE and certainly NOT a Bank XXXX XXXX XXXX Then in XXXX the courts shut down. I am currently & INDEFINITELY protected under the Mortgage XXXX. 
You were NEVER PERMITTED to proceed with ANY foreclosure proceedings. 

From XXXX until XX/XX/XXXX, you, XXXX have reported my mortgage account status as Bank XXXX XXXX XXXX XXXX My account has NEVER been in this status. If so, PROVIDE ME THE PROOF. 
XX/XX/XXXX, you ALSO reported my account status as CLOSED. MY ACCOUNT IS NOT CLOSED. IT HAS NEVER BEEN CLOSED. If so, PROVIDE ME PROOF. I NEED the Document & Exact Date of Closure.

I demand that you remove EVERY SINGLE ONE of these ERRONEOUS, INACCURATE & KNOWINGLY UNTRUE statuses from my ENTIRE credit files. 
XXXX & XXXX, you both have a LEGAL responsibility bound by the FRCA to report Accurately, Fair & True information to my credit file. Anything on the contrary is a VIOLATION of the Federal Laws and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a letter from Discover Personal Loans. Rejecting me because of slow payments of debts, too high debt ratio, and no history of installment loan payments. I had just gotten a loan from Discover personal loan in XX/XX/XXXX for {$2500.00} payable in 48 months and I paid that loan in 6 months in XX/XX/XXXX.  Then in XXXX they sent me a letter with the credit reporting agencies they used, XXXX, XXXX, XXXX and with one I never heard of XXXX XXXX. Then Yesterday ( XX/XX/XXXX ) they made me aware of another credit reporting agency they used XXXX who are these people? I would like to file a complaint against Discover Personal Loan, XXXX and XXXX XXXX for using erroneous information to deny me a loan. Also I want my correct credit score added to my credit information. I had just gotten credit reports from XXXX, XXXX and XXXX and they were good.
Product: Bank account or service

I made a deposit on Wednesday XXXX in the amount of {$9500.00}. The receipt shows that on XXXX, {$4800.00} will be released with the remaining amount released on XXXX. 

In a letter dated XXXX from Bank of America states that the ENTIRE deposit would be held until XXXX. Since the letter was sent on the XXXX of XXXX, the date my receipt stated that {$4800.00} would be release I was not notified that all of the funds were held until AFTER I made purchases as I was notified from the receipt that I had {$4800.00} with which to work. 

Therefore, I was charged XXXX overdraft fees of {$35.00} each for monies I had on hand. When I spoke to your customer service representative, XXXX, this morning, she attempted to first say it was because I deposited the funds into an ATM, no matter that it was a Bank of America ATM.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 Any other adverse item 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 ) ( a ) 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX XXXX 
Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Has violated my rights. 
15 USC 1681 Section 602A. StatesI have the right to privacy.

15 USC 1681 Section 604A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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

XX/XX/scrub>XXXX XXXX  I found a dispute on Account # XXXX XXXX XXXXXXXX XXXX XXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This is my exact situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 Any other adverse item 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred $ XXXX to my Coinbase account to a wallet that I had saved the address of because it was a routine transaction for me. However, unexpectedly and without any warning, Coinbase terminated my account and before I realized that had happened the send transaction was completed. 

Since then, over the past XXXX months, I've reached out to Coinbase more than 20 times via support chats, phone calls, and even submitting an official complaint in an effort to retrieve the USDT still held in their account. 

I have made a new Coinbase account as requested, including going through verification two times so that Coinbase can send the funds or they can contact me for a receiving address. As I have said, in all cases, the USDT can not be simply refunded to the sending address. 

I didn't even get a response from filing a formal complaint, and I waited for the mandatory 45 days before pursuing further action. This is the first further action I am taking, and next, I will have to file with the small claims court. Every time I call, I can't get answers or get through to anyone who can help ; I am always told someone will email me. NO EMAIL HAS COME. I have even been told the funds will be in my new coinbase account in two weeks, on the XXXX of XXXX, 2023. ( on this case # XXXX ) Coinbase Complaint case number - # XXXX Other case numbers that are all my attempts to resolve this issue with Coinbase # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX & many more From my XXXX exchange to coinbase account https : XXXX Coinbase transferring to themselves " XXXX XXXXXXXX '' https : XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}