23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2021 I received a letter from Collection Resources , Inc in XXXX XXXX, New Mexico for a Medical bill. The amount was for {$730.00}. The amount of the bill sent to this collection agency was only for {$720.00}. On XX/XX/2021 I wrote and mailed a dispute letter to the above company informing them that these additional fees violate the Fair Debt Collection Practices Act and that this inflated amount is not allowed. This letter was sent via USPS signature required and was received by Collection Resources, Inc on XX/XX/2021 at XXXX Mountain Time and signed for by C. Resources. On XX/XX/2021 I received a letter from the above company with an inclosed itemized statement from the hospital stating that the debt owed was {$720.00}. On XX/XX/2021 at XXXX Mountain Time I called Collection Resources, Inc and spoke to XXXX XXXX about the account. Per XXXX the amount now owed on the account is {$740.00} due to taxes that were added to the original debt. I advised that this is why I was disputing the account and asked for something on their company 's letterhead stating that these taxes were valid and not in violation of the Fair Debt Collection Practices Act. XXXX then transferred me to her supervisor XXXX. XXXX stated that they are going by the New Mexico law that allows additional fees to be added to collection accounts. I asked XXXX to please provide me with this law information or a letter on their letterhead explaining that this law supersedes the federal Fair Debt Collection Practices Act. XXXX stated that she did not have anything like that and that she could not provide me with anything like this.I advised her that until I obtained proof that New Mexico collection laws supersede the federal FDCPA from their office on their letterhead that I would be unable to pay this bill and that I would continue to dispute it per the violation of the FDCPA sections that state that collectors can not misrepresent the amount owed and can not charge additional fees. She stated that she would notate the account and the fees would continue to accrue. That is when I contacted the FTC and was referred to the CFPB to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account have 2 late payments reporting and I've never been late on any of my XXXX XXXX   accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.
Product: Checking or savings account

I chatted with HSBC on XX/XX/XXXX around XXXX GMT, asking them to close my account and refund the remaining {$1.00} in the account via check. The agent on chat agreed to do this, and the chat ended. 

On XX/XX/XXXX, I realised I still had not received my check for the balance and logged in to see what the deal was. My account showed as still open, and had a {$15.00} " account maintenance fee '' charged against it, putting me in a - {$14.00} balance. I chatted with another HSBC rep on  XX/XX/XXXX at XXXX GMT telling them to fix the negative balance, close my account, and refund the {$1.00} that was supposed to be left in there. 

The rep assured me they would and it would all be completed in 7-10 days. I logged back in on XX/XX/XXXX around XXXX EST, and found the account STILL open, with a negative balance. 

I have had it with HSBC. They are not abiding by my wishes to close my account, charging me invalid fees, and holding my remaining money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled out with a. Electric utility bill, two credit card bills, and a cable bill. I settled out with all pasted due collections debts on my credit report. there open but still saying it was not paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a reported balance of XXXX $ on MACYS/CITIBANK, N.A. Credit card. My account was in good standing until XX/XX/XXXX Experienced some financial issues for a couple of months after that, the company paused my payment. As I was getting ready to restart payment in XX/XX/XXXX found out the company closed my account and I couldnt access the account even to pay the remainder of the balance. I tried to contact them few time but it was always an automated response, I got fed up. Few months in the account was reported as a bad debt on my credit report. I put a dispute with no resolution. This is so frustrating.
Product: Money transfer, virtual currency, or money service

This is regarding a cryptocurrency transfer that I initiated from Coinbase to XXXX. I sent the my XXXX tokens without a memo from my Coinbase account to my XXXX account. Because the tokens were sent without a memo, the tokens never reached my XXXX account instead it reached an internal XXXX account. Then when I inquired about this, XXXX initiated a transfer of those tokens to the original sender ( which is my Coinbase account ) without a memo. So, now instead of those tokens reaching my Coinbase account, it is in an internal Coinbase account. Coinbase told me that in order to retrieve those tokens I need to talk to XXXX and ask them to send a test deposit of XXXX XXXX  tokens from the same XXXX internal account that was used for transfer. I spoke to a customer service representative from XXXX and he took the issue to his back office and they denied my request. So, when I asked Coinbase regarding this issue, I dont get any clear answers. Im trying to resolve this issue for the last 4 months but all my efforts have been in vain. Plus it is very difficult to reach the two brokerages ( Coinbase more so than XXXX ) and whenever I have been able to get a hold of them they have either no answer or take several weeks to answer my questions. Im just so frustrated about the situation and stuck between the two companies refusing to let me have my tokens back. On chain analytics and data clearly show the rightful owner of those tokens is me which XXXX has acknowledged, but both the companies refuse to help me retrieve my tokens. This behavior, their policies, and lack of disclosures tantamounts for fraudulent activity and they need to be held accountable for this. Thank you!
Product: Credit card or prepaid card

On or around   XXXX   XXXX   XXXX     someone stole my Bank of America prepaid debit card. Someone stole my wallet in  XXXX   XXXX , CA. I never let anyone use my debit card before. There are no authorized or joint users. I never wrote my PIN on the debit card. I reported my debit card lost promptly to Bank of America.  <P/> I was told by a Bank of America representative someone stole about {$400.00} from an ATM at a credit union. I do not bank with any credit unions and I have no history banking with a credit union. I have no history using non-Bank o f America  ATM 's to make withdrawals ; so I can avoid non Bank of America ATM fees. I told the B of A representative I did not authorize that transaction.  <P/> In less then 10 days, Bank of America closed their investigation and refused to give me back my money. They also refused to give me provisional credit. They said there was no evidence of fraud. I told them all they have to do is look at the  Credit Union  's ATM surveillance cameras to see who the suspect was and that I am willing to help identity the suspect. Bank of America said they do n't have access to non-Bank of  America  ATM 's and can not look at th e Credit Union 's A TM cameras.  <P/> I asked if they made a good faith effort to call th e Credit Union t o ask for their surveillance/ cameras. Bank of America said  " No ''.  The ATM cameras will simply show whoever stole my money was obviously not me. This makes Bank of America negligent in their investigation.  <P/> I requested a re-investigation and I faxed a copy of my Federal Trade Commiss ion Affidavit/ t heft report. Bank of America closed the second investigation before receiving my  FTC Affidavit. (  I told them I would be faxing the FTC rep ort withing 1-2 busi ness days ). This further demonstrates Bank of America is negligent in their investigation ; and are not making any real effort to prove theft.  <P/> Bank of America is in violation  of Federal Regulation E, ac cording to the terms and agreements they sent me stating : " The cardholder will not be responsible for any fraudulent and unauthorized transactions. '' But this is not what the bank is actually enforcing which is misleading and against the law.  <P/> Bank of America made no real effort to prove fraud, and I believe they have an all to common practice closing out investigations early and not actually investigating much of anything.
Product: Credit reporting or other personal consumer reports

Someone was using my information to get stuff and my money Im XXXX and I have to depend on different people services to assist me and I didnt aply for no credit cards this was all fraud and I aint stayed at no address
Product: Debt collection

I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in CITIBANK
Product: Debt collection

Midland Credit filed a docket on me at the XXXX Couty court house in XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX  XXXX Balance : {$40.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Mortgage

I applied and was granted a forbearance with XXXX mortgage. During my forebearance period, XXXX sold my loan and the new serviced became LoanCare. 

The loan was transferred on XX/XX/2023. On XX/XX/2023, I began receiving threatening letters from LoanCare indicating default and delinquency. LoanCare began reporting the loan to the credit bureaus showing delinquent XXXX, XXXX, XXXX. LoanCare has violated RESPA which allows 60 days from XX/XX/2023 before they report to credit bureaus while the transfer docs are received. 

On XX/XX/2023, I contacted Loancare and informed that I was in forebearance and I had applied for HAP of which I was approved. We have a family of 7 in which my husband is XXXX and I am the only working family member. My 5 children should not have to be harassed and taken advantage of by LoanCare. 

LoanCare acknowledged the State of Ca had approved the application to help our family through XX/XX/2023 and my next payment would not be due until XX/XX/2023. Even with this knowledge, Loancare charged us late fees extra interest and continues to report the account as delinquent. 

On XX/XX/2023, XXXX of California sent me a confirmation of funds being transferred to LoanCare to bring my loan current through XX/XX/2023. I contacted Loancare on XX/XX/2023, and LoanCare indicated the State of Ca had not sent the funds. 

I called several more times between XX/XX/XXXX through XX/XX/XXXX and still Loancare indicated no funds received by the State of Ca program. I knew this was untrue because XXXX State of California verified with me that the funds were sent kn XX/XX/2023. 

It is now XX/XX/2023 and LoanCare indicates the funds were only just received in XX/XX/2023 and now it will take LoanCare 1-2 weeks to finally apply the funds to bring my loan current. 

In the mean time, XXXX continues to report the loan as delinquent to the credit bureaus. Loancare continues to violate RESPA rights. 

They have completely violated my rights as a customer and need to be held to account.
Product: Credit reporting or other personal consumer reports

I requested proof of cash advances made on my card. The company stated they found no cash advanced on my card and could not check back to the origin point of the card either. However, the company is charging me for cash advances with interest and fees. Throughout all of this the main response from XXXX is " well our records do not go back that far '' this is a breach of information as they can not prove I took cash advances on their card yet they are charging me for something I know I did not make use of and they can not prove.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I rescinded the contract with the dealership on XX/XX/XXXX because the finance charge was not disclosed to me and I was told that must pay {$3500.00} XXXX  in order to drive off the lot with the car today. Also, after they charged me for DMV vehicle registration fees, the DMV has informed me that XXXX XXXX XXXX has failed to submit DMV registration paperwork beyond 90 days from the purchase date. As of today XX/XX/XXXX, the vehicles registration is currently expired/suspended due to a lack of title registration from XXXX XXXX  XXXX XXXX I believe that XXXX XXXX XXXX willingly and knowingly took advantage of my consumer credit. I was given deceptive and false information regarding the down payment and the finance charge was not disclosed to me. I made the vehicle available to them at my place of residence for them to pick up the vehicle, and they had a XXXX  Device tracking the vehicles location but they never came to pick up the vehicle from me.

I believe that this is a violation of 15 U.S. Code 1605, 15 U.S. code 1635, and 12 CFR 1026.4, because I rescinded the contract on XX/XX/XXXX and it has been beyond 20 days with no remedy from XXXX XXXX XXXX.
Product: Debt collection

I am very concerned that I was scammed by cornerstone legal LLC! 
They will return my emails or phone calls and I 'm now getting sued by credit card companies!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all XXXX cb..i demand that these items be removed do to cb 's are in violation of the fcra..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment.

These items of hard inquiries and past credit debts disputed by XXXX, TransUnion, XXXX and XXXX XXXX I am requesting that the items be removed.

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

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

I am distressed that you have included XXXX, TRANSUNION, XXXX information in my credit profile on and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XXXX XXXX, 2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you,
Product: Debt collection

I received 2 phone calls at work and on my cell from a XXXX number a XXXX " Compliance Officer '' stating that he was asked to get ahold of me to serve me papers. If I wanted to know more, I would need to call XXXX, which I did. When calling, they did not answer with a company name, but transferred me. I was then told that Zocaloans was trying to sue me. Stated they would put a lien on my house and garnish me, and that they were a " Medication '' Company called XXXX. I asked for their address, and was told " sorry I can't hear you, hold on '', then I was hung up on. I called back and got their VM, asking for their address, received one back from a XXXX XXXX, stating that the address is not something that is to be given out. Asked for a call back to finalize claim or resolve it. I have not called back.
Product: Money transfer, virtual currency, or money service

Third Party Loan check was issued on my behalf from XXXX. The check did not have correct complete information regarding my XXXX XXXX  to Wells Fargo, XXXX XXXX. Check was cashed and deposited into Wells Fargo general vehicle loan account. Wells Fargo will not return the funds to XXXX or work to apply it to the correct Wells Fargo XXXX  XXXX. I have pleaded with XXXX and they state there is nothing they can do since the check was cashed by Wells Fargo. I am attaching a copy of the cashed check and the vehicle purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an account without my written instructions