23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase owes me {$88000.00} however they want me to deposit {$5000.00} as a fee for them returning my money they took from my bank account! Makes no sense! I dont have {$5000.00} to give them just to get my money back
Product: Credit reporting

I have disputed with Experian already and still they do not have the correct social on file, I even gave them a copy of my card. Please help, there are also items listed that I have never seen before I am thinking they are attached to this social. Please help the social they have on file XXXX which this is not my last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove this fraudulent account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any account listed in Identity Theft. Once again HERE IS THE ACCOUNT THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$0.00}.
Product: Mortgage

To Summarize, I refinanced XXXX XXXX XXXX XXXX CA XXXX with the same bank BBVA Compass The loan officers promised me that they had a way to lower my APR by splitting my Jumbo loan of XXXX XXXX@5.25 into two loans I was promised verbally repeatedly and consistently that both loans will be fixed and money will go towards interest and principal I had good relations with loan officer so I signed the paperwork, only to realize that HELOC was interest only and tied to some Govt interest Rate I was truly misled and made the mistake of signing documents with their verbal reassurance BBVA Compass XXXX XXXX Financial Sales Advisor - XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, CA XXXX Desk XXXX Branch XXXX  ext XXXX NMLS # XXXX All I have been pleading is I want to pay off my loan and as verbally promised repeatedly that both loans would be fixed rates I either want my original loan back or please convert HELOC to a fixed rate loan These are unfair practices used by banks and mislead consumers Please help and advise, I am willing to work with them to achieve a resolution, they have put through months and months of harassment and underwriting and denied helping Best XXXX XXXX XXXX
Product: Debt collection

Repeated telephone harassment of me, my XXXX adult children and ex-husband over an old credit card debt that expired under Maryland 's 3-year statute of limitations well over five years ago. Falsely claimed there is a court suit pending against me and that more legal action is pending, also false. Have asked them to cease and desist this harassment to no avail.
Product: Credit card

This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). 
Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs
Product: Debt collection

I am writing to formally dispute the Revco Solutions Inc account reported on my credit file. This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), as it is unauthorized. I am requesting its immediate removal from my credit report. 

According to the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information in a timely manner. Failure to do so has led to legal action against credit bureaus in cases similar to mine. Here are a few examples : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX F.R.D. XXXX ( XXXX. XXXX XXXX ) XXXX was sued for failing to correct inaccurate information, violating consumer rights under the FCRA. 
XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) XXXX was held liable for including incorrect data on consumers credit reports without proper verification. 
XXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) The court ruled against XXXX for failing to conduct a reasonable investigation into disputed accounts. 
Given that the reported account is unauthorized, its presence on my credit file is unlawful. I demand XXXX, XXXX and XXXX remove this account immediately to avoid further violations of my rights under the FCRA. Please provide written confirmation of the deletion or verification of the account within 30 days, per FCRA guidelines. 


Please address this matter promptly. I expect written confirmation of the deletion or a valid verification within the 30-day period.
Product: Debt collection

Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Product: Credit reporting or other personal consumer reports

In violation of federal law, the unverified items listed below still report to my credit report after numerous written requests. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these items, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} ; US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting or other personal consumer reports

My credit report shows my SSN along with a second persons SSN. It includes all of her personal information including SSN, DOB, address, phones numbers and credit accounts as well as my credit info. At my request, all 3 credit agencies are in the process of removing her information from my file but I have requested that they submit to me in writing a declaration that they have reviewed her account and it DOES NOT include my information. 
Her name is XXXX XXXX XXXX and her SSN begins with XXXX. 
Mt name is XXXX XXXX and my SSN begins with XXXX. The rest of the digits are identical on our SSNs, they are only one digit apart. 

As they have already mistakenly combined our accounts, I want written assurance that my info is not on her credit report as well.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled WELLS FARGO DEALER SVC account number XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my XXXX XXXX and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my XXXX XXXX. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XXXX  XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but XXXX and transunion are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue XXXX and transunion in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete of my credit reports. or i will sue in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XXXX of 2018 and acquired a loan through XXXX XXXX XXXX. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to XXXX XXXX XXXX. 

My credit report now shows that I have two open vehicle loan accounts with XXXX XXXX XXXX : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a collection account from XXXX XXXX XXXX appeared on my credit report. This account was opened without my authorization, and I have no knowledge of the debt associated with it. I did not open or agree to this collection account, and it has been negatively impacting my credit score. 

I have not received any communication from XXXX XXXX XXXX regarding this account, and I believe it was opened in error or as a result of fraudulent activity. I request that this unauthorized account be thoroughly investigated and immediately removed from my credit report. 

This account is inaccurate and should not be associated with my credit profile. I ask that the Consumer Financial Protection Bureau assist in resolving this matter and ensuring that my credit report is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX is now reporting information to credit bureaus under both companies. This has caused my credit score to drop each time it is reported to a different agency. 
I have sent cease and desist letter to XXXX months ago. Now one company is using the other company to further damage my credit by reporting to different agencies and being reported more than once or twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to delete these listed items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again for you to review the negative items in my file. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

For more than XXXX years i have a line of credit on my rental on XXXX XXXX XXXX XXXX my regular payment until last month was {$180.00}. I just received a statement from BOA for the current payment of {$580.00}, that is XXXX times more from last month. I called BOA and after XXXX mn wait, the lady on the phone advised me that she can not answer my question because i gave the wrong zip code, i have tax record on the property that shows the right zip code i gave her and i have a payment receipt from last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their refusal to reimburse me for unauthorized transactions made using my stolen credit card. On my phone and credit card were stolen. Despite promptly reporting the theft to Bank of America and disputing the unauthorized charges, they have denied my request for reimbursement. 

I believe this is in violation of consumer protection laws, particularly those related to credit card fraud and unauthorized transactions. I have followed all necessary steps, including reporting the theft immediately, but Bank of America has not resolved the issue in my favor. 

I respectfully request the CFPBs assistance in investigating this matter and ensuring that Bank of America complies with its legal obligations to protect consumers in cases of fraud. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I have been a card member with Synchrony Bank for over a year. I have four accounts with them but the one Im having trouble with is my XXXX XXXX account. ACCOUNT # XXXX On XX/XX/XXXX my account was closed, I was reported to the credit bureaus for being 30 days late. I was in the hospital for 19 days during that time and the day I got out I called immediately and paid my Bill. While in the hospital my sister tried to call to make a payment and let them know I was in the hospital with XXXX  but they refused to talk to or accept payment from her. To make the situation worse I have cardholder insurance with them which protects me in a situation like this but they refuse to acknowledge that I have it even though I physically have the police in hand which I will provide to you if possible. I spoke to them twice today and no one is will to honor any of their contractual obligations. Again from reporting me being 30 days late while I was in the hospital it was them refusing to accept payment, they refuse to honor their card hold insurance policy that is in force.. please help
Product: Debt collection

XXXX XXXX XXXX is reporting to my consumer credit report ( TRANSUNION, XXXX, XXXX ) that I owe them {$540.00} with the original creditor being sprint. I requested that this company send me a ''Debt verification '' which they have yet to provide me but insist this debt is owed by me. They can not even provide me with proper verification that this debt is owed. Which leads me to believe they are improperly renting to my consumer report.
Product: Debt collection

XX/XX/XXXX I disputed a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. 

XX/XX/XXXX I dipsuted a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. This is really hurting my credit report.
Product: Student loan

I enrolled in XXXX XXXX XXXX in XXXX, shortly after I was dropped because I did n't meet their criteria. In XXXX I ran my credit, surprised to see I had a federal loan amount, upon being dropped I was told that I would be responsible for equipment, not course because it was prior to 30 days. I reached out to great lakes, in order to get the matter resolved they instructed me to speak with someone at the school and if the received something in writing that they would resolve the matter, or began paying I explained that I was n't working an had XXXX kids with no income they told me that they would put my account into some sort of plan until the matter could be resolved. So I went to the school an asked for a copy of the imformation that supported me being dropped the XXXX said that id have to contact their corporate office to get any imformation because it was no longer at there facility. She gave me a XXXX number I called they told me they would have someone look into it and give me a call back. I never received a call back, after XXXX days I called back several times the last time they told me that the person handling this was out of town an would get back to me upon his arrival back. Next they were closing for fraudulent behavior an they were not allowed into records, Now I have a high student loan on my credit.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process