23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

im a beneficary of an estate, I have received over XXXX in the last 7 years to my accounts at bank of america to find large sums of money missing from. My accounts and to be harassed by them for money consistently. attached is wire transfer data, an audit is being done and lawsuit is being filed for the missing funds. Bank of America has violated the FHA in regards to myself and sister who make more than enough money to afford a house. they engaged in morgage discrimnation with myself and her. the constantly violate the FDCPA. Attached is proof of my wire transfer data. The location with XXXX XXXX needs to be audited as ive noticed multiple people mentioning they are missing large sums of money from their accounts. i'm one of 11 people. The wire transfer data and morgage discrimination proof is provided.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report.

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information.

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.
Product: Credit card or prepaid card

Chase bank makes an offer for the United Club Explorer card which states that you get 50,000 bonus miles, and a United Club Membership included Then on the website, they talk about a {$650.00} value for the membership, then buried in small print it talks about {$450.00} They also have advertisements for the same card which talk about free united club membership.

These ads are everywhere if you travel on United ... in the app, in their clubs, on the planes.

In the end it is an either/or benefit - either the club membership or the 50,000 miles. I believe it is designed to be confusing and convince people they are getting both benefits.
Product: Debt collection

There is a collection listed on my credit file which is unknown to me. I have never been notified of this nor should I owe. I do not think this even belongs to me. I have tried to dispute and request validation and nothing has happened nor have I received anything. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was offered a position at XXXX. I accepted and continued on to complete the documents needed to pursue the hiring process. I then was sent a email to submit a background check, I complied and completed it. I received the background check report back the same day and I noticed an extra charge on my record that I have no recognition of. It also couldve been my mistake while entering the information due to the glitching of my screen but Im 100 percent sure the extra charge is inaccurate.
Product: Vehicle loan or lease

I paid off my loan more than XXXX months ago. The lien holder never sent a lien release to my XXXX and I never received the title. The XXXX states that they processed the title in XXXX, but the lien holder never sent it to me.
Product: Prepaid card

XXXX My name is XXXX XXXX. My address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Direct express has not been answering the phone I've called for XXXX  days I've been calling for them to activate the card to receive my money that's on the card from XXXX benefits I've been on the phone for days and hours at a time.. no answer and I've been unable to eat and pay my bills due to unanswered phone calls from the number on the back of the card XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ONLY ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$6400.00} XXXX SYSTEMS XXXX XX/XX/XXXX {$620.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX ALL FRUDULENT NAMES, ADDRESSES AND ACCOUNTS REMOVED IN XXXX BUSINESS DAYS
Product: Money transfer, virtual currency, or money service

It has been 3 weeks and the problem still has not been fixed by Coinbase. I can not access my account and lost a lot of money due to Coinbase delays in resolving the issue! They have emailed me twice with the same information and instructions that they repeat over and over. The steps they are asking me to do have been competed numerous times. They do not give me anything new, other than sending the same script emails.
Product: Debt collection

I have called this company and I have requested multiple times to have the verification of this account sent to me. I have never received anything from this company I do not know why this is on my credit bureau and I dont even know what Im being billed for. I do not get an answer back from the company I have called multiple times I have emailed them and I have tried to dispute this with you people multiple times as well and I get nowhere. 

I am seriously so done dealing with this somebody needs to get back to me and we need to figure out what this is and what Im being charged for. 

This is unacceptable. 

I am requesting information on the collection account fair collections and out. It says the original creditor is XXXX XXXX- I dont know what that is.
Product: Student loan

Navient was involved with the XXXX XXXX XXXX XXXX XXXX and the ART INSTITUTES with not allowing for co-signers to be released even after several. months, and years of good payments and active accounts. Navient has also raised the interest prices, set new fee prices without disclosing it, and also the company is still acquiring money for a loan that was from a PRO PROFIT institution and one of the most famous FRAUD institutions of all private colleges. Navient forgave accounts after being sued which were behind in payments but the accounts that were active and not in default were held to continue paying for an institution that has closed, and the diplomas and bachelors degrees aren't not worth anything. My loans have been paid for already. My interest rate continues to increase and no information is ever given on the new interest rates, the fees that are now different and also I have tried several times over the years of holding this loan and I can not get my COSIGNER off my loan. I do not have a default loan, I have been paying from the very beginning and they still will not release my sister off this loan. I have been penalized for staying positive on this account, for paying on time, and for over paying a loan to an institution that defrauded their students, and had already received forgiveness from the government as well as Navient. Navient was the preferred lender # XXXX to prey on students who applied for loans to online for profit schools ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These loans should also be discharged due to school misconduct, violations on with-holding information to underage students, not informing about new percentage rates, new fees added to the account, and the misconduct of not allowing the applicant to take their co-signer off their loan after so many years of proper payment. They have pigeon held my future and my credit rating, and now my cosigners for nothing. They have received more than my initial loan and it is not fair for the applicants who decided to stop paying to get forgiveness but the ones still trying to do what's right are being harassed by phones calls about paying your bill even when your on time, and the run around with misguided information about why you can't release a cosigner or even try for forgiveness of a school that has closed because of FRAUD. They will not even entertain a phone call to give you the right information.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to Equifax and XXXX. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to Equifax of data furnishers statement.
Product: Credit card

Today, I went to CITIbank at XXXX XXXX XXXX. XXXX XXXX, CA XXXX to make a payment on my CITIbank master card. I gave the teller a {$100.00} bill and told her I wanted to make a payment on my card. She informed that the bank has a new rule that requires me to provide my social security number, my driver 's license and my occupation to make a cash payment. I asked if that was a bank policy or a new federal policy as I pay in cash each month and have never been asked for that information. The teller did not have an answer for me. It has been my understanding that a SS # is to be used for tax payer identification purposes only. I did provide the information requested to avoid a late payment but am very concerned about this new practice. I understand that transactions over {$10000.00} must be reported but my {$100.00} payment was n't near that threshold. In summary, is it legal to require this from an American citizen to make a cash payment? If so, can other institutions and business require the same ID? This is a very alarming policy and seems to be overly invasive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I have been trying to resolve this matter with Equifax for literally a year. I sent my affidavit along with my id and ssn. However, every time I call XXXX they tell me they never recieved any mail from me?! hopefully you can help me with resolving this this is in reference to an alleged account with XXXX acct # XXXX I dont know the dollar amount. I have attached a copy of my affidavit and ssn XXXX and id because for whatever reason the company has told me that they never got it in the mail form me. my most recent letter was sent with a return receipt and signed for on XX/XX/23 and the representative continued to tell me they had no record of a letter in their system please help
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX
Product: Credit card

My dad had me added to his bank account for emergencies so i could access his money to take care of his dog or pay his bills if he was in hospital. The bank used my social security and drivers licence information from this account instead of his to give him a credit card. He did not know they used my information to open this credit card because this whole time they have been sending the bill to his address as it should be. The bank has failed to correct this mistake. I found out about this credit card after I had my credit checked. I went to the bank manager and asked him the process for opening a credit card account and he said all it requires is verbally telling a banker the last XXXX of your social. I find this hard to believe. They didnt ask for a copy of his social or a copy of his drivers licence to make sure they had the right person? They will not produce a copy of this form that was signed for me to look at either. I feel stuck and this is my only credit blemish. How can they use all my info but send him the bill? I feel they used my credit just so they could get a commission on the whole deal because maybe they couldnt make the deal with his credit. I feel the bank owes me an apology as I have only been in this bank one time and that was to get on his debit card account. How are they allowed to look at his account, take my info off of it as his comes up first on screen, as the manager told me addmittedly, and give him a credit card without any verification, under my name. Our birthdates are nearly 40 years apart. They couldnt tell from looking at our birthdates and looking at him alone that the wasnt me. I find it ridiculous I have to deal with this situation. This banks system is garbage, if what the manager said is true, for allowing credit cards and I think they need to be reported for the way they do business. Any help with my situation would be greatly appreciated as I have a wife and XXXX kids to take care of and I am trying to refinance XXXX vehicles and my mortgage asap! Time is money!
Product: Bank account or service

XX/XX/XXXX To Whom It May Concern : I would like to file a complaint regarding the handling of an unauthorized transaction on my small business checking account ending in XXXX held with Bank of America ( BOA ) Merrill Lynch. I am a XXXX of the business, and have been a member with Bank of America since XX/XX/XXXX. 

On XXXX, I was notified via email by BOA of a suspicious transaction on my business account. I discovered upon accessing my account via online banking, that there were actually XXXX unauthorized transactions pending. The XXXX transactions were : XXXX for {$640.00}, XXXX for {$420.00}, and XXXX for {$1800.00}. 

I contacted BOA within the hour and informed them that these transactions were not authorized and that the access device ( debit card ) was still currently in my possession, and that there were no other authorized users for this card. That card was cancelled and a new one was issued. 

BOA returned the XXXX and XXXX transactions, but informed me that the XXXX transaction had to post to my account and that I would then need to dispute the transaction. After 3 days of repeatedly calling BOA to have the XXXX transaction cancelled and to not be funded, they still refused to do so. The transaction showed as posted to my account on XX/XX/XXXX, so I called in to file the dispute and I explained to the representative that I was out of state and would be until XX/XX/XXXX and that the dispute affidavit would need to be mailed to the address I was staying at. The dispute affidavit finally arrived the second week of XX/XX/XXXX after additional phone inquiries requesting the form. I completed the form on XX/XX/XXXX, and returned via mail. It is Dispute Claim : XXXX. 

A temporary credit was issued to my account on XX/XX/XXXX by BOA. BOA rescinded the temporary credit on XX/XX/XXXX without notifying me before hand at my business/home address, or by phone or email. 

I had verbally disputed the fraudulent charge ( s ) prior to the transaction hard posting to my account, however, BOA did not take action to return the fraudulent transaction upon my notification that it was fraudulent and prior to actual item posting and is now saying that I am at fault and therefore out the funds. 

As a XXXX, I feel that I should be extended the same protection as granted to a consumer. I took the appropriate action to notify BOA of the fraudulent transaction in a timely manner. They failed to take the proper action to deny the fraudulent transaction, as they had done with XXXX, and XXXX. 
As a loyal, 24 year account holder with Bank of America, I should, and expect to receive a refund the full amount of the fraudulent transaction ( {$1800.00} ), and I would like to participate in prosecuting those responsible for committing these crimes. 

Points of Contact : BOA Claims Dept. - XXXX XXXX Local BOA Branch : XXXX Relationship Manager XXXX FL XXXX XXXX XXXX XXXX County Sherriff 's Dep : Deputy XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Citi charges {$95.00} annual fee for the AAdvantage card that I have with them. They have historically waived the fee given that I have been a long time customer with strong credit. This year they did not waive so I informed them I would be canceling. I canceled the card and asked for the prorated fee back ( which they had explained that I would received once I canceled ). 

They informed me that I would get nothing back because I canceled outside a 60 day window. I paid a full year annual fee ( which was paid in XXXX/XXXX statement ) and have received less than 4 months of value. I should be paid the prorated amount back, but Citi will not do so which is completely unethical.
Product: Mortgage

I recently refinanced my mortgage through XX/XX/XXXX. 

The loan was serviced by " XX/XX/XXXX '' for about a month and has now been transferred to AmeriHome Mortgage. 

I made my first mortgage payment due XX/XX/XXXX plus an additional {$900.00} principal payment to " XX/XX/XXXX '' on XX/XX/XXXX. 

This payment is not currently reflected on my account balance with AmeriHome Mortgage. I have contacted AmeriHome Mortgage twice to inquire when the funds will be transferred from XX/XX/XXXX to AmeriHome Mortgage and reflected on my account. 

They have not been able to answer this question. All they have said is that they will not report me as paying late for 60 days and the payment will be reflected when the funds are transferred. 

In the meantime I have received two phone calls from AmeriHome Mortgage to discuss why my my first mortgage payment due XX/XX/XXXX is late. 

I would like assistance in ensuring the funds are transferred and reflected on my account on the correct date. 

In addition, when I first reached out to AmeriHome Mortgage I provided them with a copy of my statement from XX/XX/XXXX and my bank statement showing the missing mortgage payment.
Product: Debt collection

There is an account from XXXX XXXX on my credit report and this account does NOT belong to me. I have NEVER been to the physician. I tried to dispute this through XXXX XXXX, XXXX  and XXXX and all I got back was a response that stated the information is accurate and belonged to me. I requested verification from this physician where I actually signed agreeing to payment and/or being responsible for this account, I received no verification.
Product: Mortgage

I was trying to do a modification through this mortgage company.. appear and they may be doing a long way over almost 6 months. A modification and I still get it they gave me a modification to lower my payment but I found out that they sold part of my loan to another company.. that put a link on my house that I didn't know anything about until I try to get. A home equity loan.
Product: Credit reporting or other personal consumer reports

I have identified information that appears on my consumer report that is a result of identity theft : XXXX XXXX : Account number : XXXX - item reporting with out account number and not mine XXXX XXXX XXXX : Inquiry : XX/XX/2023 - unauthorized inquiry and identity theft