23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Sometime during XX/XX/XXXX, I received 3 municipal bonds ( about $ XXXX each, as inheritance after XXXX [ XXXX for maternal grand-mother ] suffered 2 XXXX and was on her own bed for about a week {? } before XXXX a XXXX XXXX XXXX ) from my auntie XXXX XXXX ; she was the main daughter with the Powers of Attorney for my grand-mother XXXX XXXX. I was " couch surfing '' with my " father '' in XXXX at the time, and went to the nearest branch to deposit them, 1 at a time, 2 or 3 days in between ( my XXXX XXXX XXXX XXXX XXXX ). I did have  receipts for a while ( printed with dot-matrix inking, narrow like 3 inches wide, might 've been dated XX/XX/XXXX ), but I ended up throwing them away years afterwards, believing that I did n't need the money ( accustomed to using money earned from jobs ). Sometime during XX/XX/XXXX, I received XXXX knowledge about my Wells Fargo bank account, which led me to a downtown XXXX XXXX branch to request a copy of my accounts, which the service agent printed, but the records did n't have any text about where the moneys were transferred from ( I recall using a laptop I bought with my Wells Fargo debit card to transfer money from the savings account to my checking account to buy XXXX and XXXX XXXX books, as well as subscribe to XXXX and XXXX, and I might 've bought a few games or accessories to play on my brother 's XXXX XXXX ).
Product: Prepaid card

Bank Account accountant ledger to balance was wrong through change of the different purchasees and businees not listening. 

About, facts to occur through account.
Product: Credit card or prepaid card

I was issued a Visa prepaid card from PNC Bank on XX/XX/XXXX for {$200.00}. The expiration date on the card is XX/XX/XXXX. Before I could use it, on XX/XX/XXXX they closed the account and charged the {$200.00} in fees as an administrative adjustment. I called them multiple times after trying to use the card and was told there was nothing they could do and I was out of luck. They told me to refer to the terms and conditions of the card. I still have the terms and conditions, they state : The Card is valid until the entire value of the Card has been used or until the expiration date on the Card, whichever occurs first. Any funds remaining on the Card do not automatically expire on the date of Card Expiration. 

Seeing as how I didn't have a chance to use the card while it was still valid, I would expected to receive the funds I was issued. They told me they didn't have an address on file to send a check, when in fact they sent out the original card.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was a victim of a crypto scam that involved a honeypot. I used the service from Coinbase, coinbase wallet, to exchange XXXX XXXX now worth {$36000.00} at the time of writing into the honeypot scam token. After reaching out to customer support it was agreed upon that Coinbase would refund the XXXX tokens of XXXX that was scammed using their service but I never received anything even after following up with them about the incident multiple times. I have grown tired of going back and forth with this company, it has been a year since the incident and nothing has been resolved. If action is not taken to refund me the XXXX tokens that were promised by Coinbase to solve the issue I have no choice but to pursue legal action against Coinbase for violating my rights. I have tried to get access to the chat logs detailing Coinbase stating they will refund me the XXXX tokens but they have denied me access to them. Instead, Below you will find evidence of the transaction that occurred on XX/XX/year> on the day of the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with 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 with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.
Product: Debt collection

The dates are too many of them but they have repeatedly call on both my cellphone and my home phone and now my second wife phone ( which is is not at all involved with the debt ). And this needs to stop
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unauthorized Reporting of Negative Collections To Whom It May Concern, I am writing to formally dispute the reporting of the following collections on my credit report : XXXX XXXX XXXX XXXX I have never provided consent or permissible purpose under the Fair Credit Reporting Act ( FCRA ) for these entities to report negative collections on my credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are required to have a permissible purpose to include information on a consumer 's report. The inclusion of these collections without my explicit consent violates this standard. 

Additionally, based on my investigation, these entities are not licensed to collect debts in the state of Arizona. Per state regulations, debt collectors must be properly licensed to legally operate and pursue collection activities. Reporting accounts from unlicensed entities fails to comply with both state law and the FCRA 's mandate for accuracy and verifiability ( 15 U.S.C. 1681e ( b ) ).

As such, I formally request the following actions : Immediate Deletion of the Accounts : Permanently remove these collections from my credit reports with Equifax, XXXX, and XXXX, as they lack a permissible purpose and are being reported by unlicensed entities. 

Written Confirmation : Provide written confirmation of the deletion of these accounts from my credit reports.

Verification of Reporting : If you believe these accounts can be lawfully reported, provide evidence of permissible purpose and documentation confirming these entities licensure to collect in Arizona.

Failure to comply with this request within the legally required timeframe of 30 days, per 15 U.S.C. 1681i, will necessitate further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arizona Attorney Generals Office. 

I appreciate your immediate attention to this matter and look forward to your confirmation of the requested actions. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I am writing in response to your recent phone call on XX/XX/2023, in which you threatened to come to my home if I do not pay my debt immediately. I want to express my deep concern about the tone and manner of your communication, which I find intimidating and aggressive. 

I do not believe that it is appropriate for you to threaten to come to my home. Such tactics are not only unprofessional but also illegal under the Fair Debt Collection Practices Act. 

As a consumer, I have the right to be treated with dignity and respect. Your actions have made me feel harassed and frightened, and I do not think it is reasonable or justifiable for you to use such tactics to collect a debt. 

I have received text messages with screenshot of personal information. Which is my state identification, my address, etc personal information that was tagged in with the message. My only problem is if I would have changed my number someone could have my personal information! 

However, I would appreciate it if you would refrain from using such aggressive tactics in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX is showing in my credit report with a balance of {$13000.00} and a limit of $ XXXX to the XXXX XXXX XXXX XXXX sincXXXX XXXX. While I did attend the university, I was not in school for the period shown, moreover all debts with the university were settled and had to be settled before I could receive my Diploma in XXXX. The phone number located in the credit report is a non working number, I tried reaching it for more than 3 months without success. This debt is showing only in Equifax and I would like it removed immediately. I have no debt with the XXXX XXXX XXXX XXXX. This debt is fraudulent Thank you
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 in 15 USC 1681. 

Account Name : XXXX XXXX account ending XXXX, XXXX XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A, states that I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish a written account without my written instructions or consent.

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, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/2023 DISPUTE RESPONSE 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

I am requesting that Aidvantage REMOVE of ALL dispute narratives/comments/remarks from my XXXX, XXXX, and XXXX consumer reports. This is my second request to have these dispute narratives removed. After my first request your company sent me a letter on XX/XX/23 that stated you removed the dispute narratives from the loans with the consumer reporting agencies but this did NOT happen and it is stopping me from obtaining the credit and loans that my family needs.

As the furnisher of this information it is your duty to promptly notify the consumer reporting agency of any updates/corrections necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

FCRA 623a ( 2 ) ( B ) Duty to correct and update information.
Product: Mortgage

I started my refinance process back on approximately XX/XX/2021 with Chase Home Mortgage. We have had our mortgage with Chase for over six years. They have taken us through a painstaking process to get the refinance, which is still not done. Multiple times they told us to pay off other debts in order to get the refinance through, they asked us to payoff some revolving credit card debt, we did and they did not approve the refinance. They asked us to payoff a car loan, we did and the loan was still not approved. We provided all of our finance information which is substantial, and it's still not done. During this three month ( so far ) process they have been sending multiple loan statements that have reviewed the terms of the loan in process, including the proposed new monthly payment. For the entire time during this process the new estimated monthly payment was listed at {$2400.00}, now that the refinance has " preliminary approval '' the estimated monthly payment shot up to {$2800.00}. Also, the closing costs went from {$11000.00} to {$13000.00}, which is extremely high for a refinance with the company where we have the existing loan. I've spoken to other mortgage lenders and they tell me the typical closing cost for an existing customer refinance is approximately one months mortgage, which in this case would be {$3400.00}. So far there have been three lending advisors assigned to this process. Not one person can tell me why these numbers changed so dramatically, or why they are charging us such a high price to refinance since we've been a solid customer of theirs for six years never missing a payment or ever being late. My thought is there is something unscrupulous happening here and everyone I speak to at Chase disavows any knowledge of why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the wrong balance on the only account I have with them which is XXXX XXXX. You are reporting on XX/XX/2018 a balance of {$720.00} which is incorrect. The correct balance is {$650.00}. 

I went in to dispute section of Experian and it shows current balance as {$650.00} not {$720.00} as it shows on the credit report.. 

The {$650.00} is the correct balance and is currently reported by XXXX. 

I will be uploading information to show how Experian is reporting my balance incorrectly. 

Also, I need a copy of my actual credit report which XXXX went directly to my membership which does not show name, addresses, DOB, no soft inquiries, etc.
Product: Credit reporting or other personal consumer reports

Bank Involved : Bank of America ( BOA ) Consumer Reporting XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) and XXXX Date of Account Closure Notice : XX/XX/XXXX Date of BOA Response Letter : XX/XX/XXXX Complaint Summary : On XX/XX/XXXX, I received a letter from Bank of America ( BOA ) notifying me that my small business checking account had been closed. The letter stated : " We may report our decision to XXXX or XXXX XXXX XXXX XXXX XXXX ), or both. This may affect your ability to open an account at another financial institution for up to five years. You can get a copy of your report from the reporting agency. If theres any information in the report thats inaccurate or incomplete, you can dispute it with them. '' Because BOA suggested that my account closure may have been reported to EWS and/or ChexSystems, I registered online with both agencies to check for any negative records. After reviewing my records, I found no indication that BOA had reported my account closure nor any prior negative information. To ensure accuracy, I formally requested my full consumer reports from both agencies. 

On XX/XX/XXXX, BOA responded to my inquiries with a letter stating, " we confirmed information on this account isnt being reported. '' This contradicts their XX/XX/XXXX letter, which implied that my account closure might be reported and that I should check with these agencies. 

This raises several critical issues : *If BOA did not report my account closure, why did they direct me to XXXX  and XXXX  in the first place? 
*Did BOA close my account based on pre-existing information from XXXX  or XXXX XXXX even though I found no negative records in either? 
*If BOA used internal policies or proprietary risk assessments to justify the closure, why wont they disclose the reason to me directly? 
*If there is negative or incorrect information in any system, I have the right to know so that I can dispute it properly. 
*BOAs lack of transparency and contradictory responses make it impossible for me to understand or dispute any alleged issues. 

Issues to Address : *BOAs Contradictory Statements : BOA first implied that my account closure might be reported, then later claimed no information was reported. 
*Failure to Provide a Justification for Account Closure : BOA has not provided a clear reason for the closure, preventing me from disputing or addressing any alleged issues. 
*No Negative Information Exists in XXXX  or XXXX : Since I have now reviewed my records with both agencies and found nothing negative, BOAs referral to them was misleading. 
*Potential Use of Internal Data Without Disclosure : If BOA relied on internal policies or non-public data to justify their decision, they should be required to disclose that information to me. 
*Misdirection and Lack of Accountability : BOAs referral to XXXX  and XXXXdespite confirming that no report was madesuggests they may be attempting to avoid providing a direct explanation. 
*Right to Dispute Any Negative Information : If any negative or inaccurate information exists in any system, I have the right to access it and dispute it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite previous written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.