23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a notice in the mail ( dated XX/XX/XXXX ) that a Bank of America Visa account I have had for many years was due for an annual payment I wasn't previously aware of. I had tendered one such payment in XXXX, but BofA had apparently doubled payment cycles for the card ; one reason I hadn't noticed the additional billing statement was that I didn't possess a physical card any longer. So after promptly calling BofA to pay the outstanding bill, I asked to speak to a customer service representative to get a replacement card. That representative told me that it wasn't possible to do so, since the account had been " closed '' as of XX/XX/XXXX. I had received no notification of such closure -- it's also exceedingly difficult to understand why BofA would send out a notice requesting payment of an annual fee on a letterhead dating one week later on an account they had already closed. When I asked for an explanation for the account 's closure, I was told that such information was " locked. '' I then asked to speak to the representative 's supervisor, who only told me that BofA reserves the right to close any account for any reason, and that he could not give me any additional information about the account 's closure. He insisted that the Bank had sent me the closure notice on XX/XX/XXXX, but could not explain why the Bank would be notifying me that the fee was due in a letter dated a week later if that was indeed the case. I no longer want the BofA 's Visa card or to support this flagrantly deceptive enterprise in any fashion, but I do want this Kafka-esque treatment of customers acting in good faith to remedy outstanding payments to be appropriately investigated and punished. The issuance of credit cards by this monopoly bank is closer to extortion than anything resembling genuine customer service.
Product: Credit card

I have had credit cards with Chase for a long time, but all of a sudden, they reduced my total credit limit by more than $ XXXX and tanked my credit score with their action. I have always been on time in paying more than the minimum balances. In my more than 2 decades of credit history, I have never been late in payments or anything. I believe they did not have a justification to devastate and ruin my credit score with their action especially I have ALWAYS been on time with the payments and they have made tons of money from the very high interest rates. They have benefited handsomely from my use of the credit cards but repaid with ruining my credit score. I have contacted them and they refused to do anything and literally said this is what it is. They said it is impossible for them to lower the interest rates, but they took liberty to lower my credit limit overnight and ruin my financial reputation. I strongly believe this is a not fair action for Chase to immensely benefit from the astronomical interest rates but at the same time ruin and tank the customers ' credit scores and standing. With their action, my credit score dropped over night by tens of points and tanked from fair to poor, and I insist that I was not late on any payment and I have always paid more than the min required payments. I believe they intentionally harmed my financial reputation and standing, and worse didn't care to fix their action.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX at approxmiately XXXX central time, someone unknown to me attempted to withdraw {$1500.00} from my then XXXX account that has subsequently been closed. That same day, someone was successful in wiring {$2500.00} from my XXXX account which XXXX did refund me, but not after a battle to get it. 

I immediately reached out to CashApp, but there was never a live person to speak with, everything is done via a XXXX  to explain the situation. I told the Cashapp people I had no knowledge of who the person or people were, but they were clearly working simultaneously on my XXXX and Cashapp account, but Cashapp said I authorized the charge and closed the case. They, Cashapp, said they investigated the claim and came back with a finding of responsiblity after a 24 hour " investigation. '' I asked them if they followed the wire transfer to see where they money was transfered and they said no because I authorized the charge. I ask, did they really do an investigation because they had already said it was a charge I approved. They money had to end up somewhere. I have always suspected the theft/fraud was an inside job because of the quick investigation and their unwillingness to offer any real assistance or resolution. It also doesn't help there isn't a real person to speak with to handle such sensitive matters. Everything is done virtually and you NEVER SPEAK TO A REAL PERSON!!! 

I recently revisited the original complaint because I noticed someone attempted to make another account using my name. I haven't used Cashapp since this theft happened and will not ever use an app that handles money and no real person to talk to. They continue to spin me and offer no assistance. Like I explained in my initial complaint, if this {$1500.00} dollar charge was something I authorized, why am I still fighting to recover the money three years later. I strongly maintain this was an inside job. 

I would also like to add this was at the height of XXXX when online crimes of this nature were at an all-time high. I have attached the transactions from that day. YOu can see the flurry of activity that looks like a desperate attempt to steal money. And, never have I ever used anything bitcoin related. Lastly, someone attempted to create another account using the name XXXX XXXX That person was not me. And why would I? This app is not at all reputable. The fact you can't speak to a person gives rise to people working there to engage in all kind of criminal activity because they know the victim will never be able to speak with anyone.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase on XX/XX/2020 and there were UNAUTHORIZED transactions that were done in my account that was just opened. 

I have emailed the company over 15 times and they only send a general email back stating they will look into the issue. I have repeatedly called the company over 20 times as well to complain about the fraudulent transactions. 

They debited my checking account at XXXX  XXXX XXXX in the amount of {$6000.00} and I have asked the Legal Department and Fraud Department of XXXX  XXXX XXXX to reverse these unauthorized ACH debits. 

Coinbase has sent phony documents to XXXX XXXX XXXX trying to stop them from reversing the {$6000.00} of unauthorized debits. I have been in touch with the head General Counsel of XXXX  XXXX XXXX and they have been in touch with the FBI. 

I have done everything possible to protect my interests and this alleged criminal behavior needs to be stopped.
Product: Payday loan, title loan, or personal loan

My loan comes with unemployment insurance, which for the first time in my life I needed to file as of XX/XX/2019. I called the branch to get help with filing a claim to ensure my loan payments are kept up. The loan was based off of my pay which has drastically changed with unemployment. I was transferred to XXXX who works in the branch where I got my loan after the girl who answered the phone did not know how to help me. XXXX was not helpful and gave me no instructions on what to do. After I spoke with him he actually called my phone back and left a bullying voicemail message. I called the corporate office and explained this to the lady, who said she would have the district manager reachout. To date that has not happened.
Product: Credit reporting or other personal consumer reports

debt is not mine please remove these are not my negative items
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report, please remove these accounts from my report they are removing my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Clearly the listed accounts ( ALL XXXX XXXX XXXX  PAYMENTS REFLECTING A LATE PAYMENT all XXXX XXXXXXXX XXXX products reporting late ) are in direct violation because there was nothing mailed in regard to a finanve charge from said creditor.
Product: Debt collection

Recently, I looked at a copy of my credit report an noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I'm asking you to verify as accurate : XXXX XXXX, ( no account # reported ), Collection, Agency Transworld System Inc. 
XXXX XXXX, ( no account # reported ), Collection Agency XXXX XXXX, XXXX XXXX ( no account # reported ), Collection Agency XXXX Collection Agency Name Transworld System Inc XXXX 

The balance reporting is {$110.00} It is reporting that it is unpaid for XXXX, XXXX showing collection account and XXXX is showing the account is seriously past due/account assigned to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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: Mortgage

My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim regarding the below noted derogatoriness, which you claim currently despite to date failing to presentate any document demonstration of the factually true correct validated aspects of claim ( s ), much less display any evidence ensuring claim 's reporting ( s ) is now and has always been in full certifiable compliance of reporting standards to include within the requisites of the mandatorily perfect and complete certified XXXX XXXX formatted reporting standard ( s ). 

So yet again, you have failed to submit required evidence of claim or claim 's report-ability as related to compliant mandates of reporting and therefore allegation ( s ) must be fully and permanently eradicated, so do so now! 

Given that I believe you are acting in bad faith, and have not complied with the federal and state laws, I have filed a Small Claims lawsuit against you or am in the process of doing so based upon your response to this notification and demand letter for you to report ONLY FACTUALLY VALIDATED and CERTIFIED COMPLIANTLY PROCESSED CLAIM ( s ). 

Undoubtedly you are aware that my state 's and the federal laws and standards of valid compliant factual consumer credit reporting REQUIRE any and all claims to be PHYSICALLY VERIFIED, fully true, ACCURATE, COMPLETE, of a known undoubted ownership of responsibility, CERTIFIABLY COMPLIANT in its process of reporting including but not limited to the mandatorily perfect submission of the correct complete certifiable XXXX XXXX FORMATTED reporting standard ( s ) and otherwise be undeniably validated. 

The following item ( s ) are currently reported deficient of minimally requisite criterion of lawful compliant reporting of only physically verified true validated claims so MUST be immediately and permanently eradicated from reporting. 

I DEMAND that you here today even NOW remove from reporting this and all associated negative information so in effort to return to required lawful compliant reporting :
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Product: Credit card

I received transaction email stating I purchased an item. I have not used this card for over 1 month and this charge was not done by me. I immediately called Best Buy Credit Card company and reported fraud charge. I was told it was used in XXXX other places and all XXXX charges were disputed right away. I was told that my account is locked and they will send me new credit card. 5 days later same credit card was used and charges were made. I called again and they told me for some reason card was not locked and they will lock and make those charges in dispute as well. One month later I received later stating that my fraud claim is denied and I am responsible for all the charges.
Product: Debt collection

Me and my husband filed for Chapter XXXX Bankruptcy in XXXX. It was discharged on XXXX XXXX, XXXX. The creditor Aqua Finance was included in the bankruptcy and was discharged with the other creditors. We sold our home and were closing on XXXX XXXX, XXXX. XXXX XXXX XXXX is handling our closing. On XXXX XXXX, XXXX, XXXX XXXX was provided a final XXXX settlement statement from XXXX XXXX XXXX XXXX that was given to us. To our disbelief this statement has a second mortgage listed for {$6000.00} from XXXX XXXX XXXX, XXXX. We were confused. We don't have a second mortgage and since we have a VA guaranteed loan, we can not have a second mortgage on our property. I searched for XXXX XXXX XXXX, XXXX and contacted them about this fraudulent 2nd mortgage. I spoke with XXXX a customer service representative at XXXX. She informed me that they represented Aqua Finance. I told her the debt that we had with Aqua Finance was discharged in the Chapter XXXX. She stated that they had no record of this. She provided me with a claims email address and I emailed a copy of the listed creditors in the bankruptcy and the discharge order from the court, to show that Aqua finance was listed. I called back to make sure they received the email and spoke with XXXX another representative. She stated that Aqua Finance had a judgement of exemption from the bankruptcy discharge and this was a valid way for them to collect the debt. I asked her to provide me with a copy of this since I have a copy of the bankruptcy closure of estate order. It shows that no creditor was given an exemption to the bankruptcy discharge to collect on an exempt debt. I asked if she would provide me with a copy of this exemption order they had for XXXX XXXX XXXX, XXXX to collect this debt. She stated they didn't have to provide me a copy of this ordre. I informed her that I would file a complaint with the CFPB. She told me to go ahead, that was fine. The actions of XXXX XXXX XXXX, XXXX on behave of Aqua Finance, is a clear abuse and infringement of my consumer rights and protections provided to me and my husband under the US Bankruptcy code. It is also holding up the sell of our home. This is a blatant strong arm tactic by big corporations to collect a debt and they are breaking the law.
Product: Checking or savings account

On XX/XX/2023 I attempted to deposit {$1400.00} in my account through the ATM @ Huntington Bank on XXXX in XXXX WV XXXX During this transaction the machine went haywire locking my card and part of my money in it. I received {$690.00} back from it however it kept the rest of the money which was {$770.00}. I stayed at the ATM machine and contacted customer service as it said to do so on the screen. While on the phone with them it released my card however I never received the remainder of my money. I went to the branch the next morning to be sure there had been a dispute filed and the lady working filed a dispute also and told me that yes when they counted the atm that morning there was indeed an overage. After several weeks and several calls and trips to the bank this issue still has not been solved and I keep receiving the run around. They have cost me additional money due to my vehicle payment being late because I still have not received this deposit in my account. Please Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

The report associate me with people in XXXX, XXXX & XXXX PLEASE help me with this, the credit agency gave me your inf. to contact you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above.

Removal or correction of the inaccurate information.

An updated copy of my credit report reflecting these corrections.

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your XXXX  credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
Product: Debt collection

XX/XX/XXXX XXXXXXXX XXXX  XXXX {$3200.00} XX/XX/2015 XXXX XXXX XXXXXXXX XXXX {$1900.00} - $ XXXX {$500.00} I SENT POLICE REPORT AND CALLED COMPANIES WITH LAWYER SEVERAL TIMES
Product: Debt collection

I received a call requesting to payoff my debt. I explained to them that I would like to see it in writing since I do not know who they are. He refused to send me any information and told me that they did not have to send me anything i asked them to send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Titanium Funds # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX*****THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1.  XXXX XXXX XX/XX/XXXX2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10XXXX XXXX XX/XX/XXXX 11.  XXXXXX/XX/XXXX 12. XXXXXX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX.