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

I submitted two claims with boa, both of which were rejected almost immediately. The informed me via letter stating that it was rejected but didn't provide a reason why. When I called to question the reason, they admitted to have never contacted the merchant and simply based their decision on my logins to my account. I've done business with the merchant before so I never paid attention until I saw strange and high amounts. The claims were closed and now if I want them reconsidered, not only they won't give me credit even if temporary, there is no time limit on the duration of the investigation which as the rep who I spoke with seconds ago is a sham. A lie. They didn't investigate a thing, didn't even contact the merchant. Not only that, they'd not give me any documentation regarding the alleged investigation because and according to the rep it is an internal matter. 

I want fair treatment and I want my money refunded. I have a police report, I took the merchant to small claims court and if need be, I'll take the bank to court as well. 

Thank you
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency is violating my rights under the no surprise act of XXXX. I have medical bills that an out of network provider is charging me without my prior authorization. I have never signed a HIPAA release form with the following creditors 1. Wakefield and Associates XX/XX/XXXX {$1100.00} 2. Wakefield and Associates XX/XX/XXXX {$920.00} These are inaccurate HIPAA violations and I require you to delete these immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

So I had my XXXX balance transfered to my venmo account, I'd done it before no problem. I have my XXXX XXXX  linked to my venmo debit card, so when I make a payment they withdrawl it from my link card if there's no balance on my account. We'll I had tried to make a purchase on my XXXX  and it said it was declined, I knew I had money in my venmo account so I tried it again, declined again. Irritated I went on the venmo app to try and figure out the problem. My trouble shooting kept taking to the same reason, that my account m ay be frozen. I contacted venmo and sure enough my account had been frozen. I asked why, they told me that they had sent me an email and that I needed to resolve the issue via email. I waited and waited and never got an email so I contacted venmo again. I told them that my account had been frozen and I need to resovel whatever issue to have my account un froze. That I never got an email telling me about my frozen account and or how I could remedy the issue. The person I spoke to was helpful she had me verified some stuff and was able to resend the email the they had supposedly sent again. I verified my identity and was told I would be contacted in a few days. So I waited, I finials got an email from them with stated that I had violated there user agreement and that my account would be deactivated and that the money on my account would be held for up to 180 day should they decide to return my money. Wait, what? Should they decide to return my money, it's my freaking money, XXXX? I asked them why their decision was to deactivat my account, what had i done? The gave me no reason. That was not acceptable, so I contacted them a couple more times once to ask them to expedite the release of my funds and another to speak to the mgr or whoever I needed to speak to get my $ released. They said they could not release my $ and I was to refer to the refund and charge back section of there user agreement. Idk, but they stole my money and there's nothing I can do about it is basically what there telling. That's messed up!
Product: Mortgage

My monthly payments changed. When comparing the prior payment and current payment there was a difference of between {$2600.00} and {$2.00}. Since I have a fixed interest rate the difference should be escrowed items. So I made a one time escrow payment that went through today ( XX/XX/2024 ) for {$2700.00}. I called Security Service Federal Credi Union Mortgage to get them to readjust my payment so the existing payment should still be enough and the extra principal of {$180.00} would still happen. I was told tonight by two different reps ( the second being XXXX from issue resolution team ). Both said the shortfall in escrow was only {$400.00} and some dollars and even though I made a specific {$2700.00} payment to escrow today they could not adjust the new payment and I would still be billed the escrow shortfall because they have a contract that requires them to pull from the payment and now the {$2200.00} I was paying and {$180.00} per month extra principal would not only not have any extra principal applied but each month my payment will be short {$31.00} unless I increase my monthly payment. The math does not add up and I want a deep dive into payment applications from inception and I wonder how they can not have RESPA violations given this scenario. I am perplexed and not happy that they seem to not know how to apply extra escrow and extra principal payments such that they have an extra {$2700.00} and now my monthly payments have increased {$31.00} and they say the escrow shortage is less than {$500.00}. And now my payments wont give extra principal payments. Would appreciate you investigating this. My mortgage loan account number at SSFCU is XXXX. Thank you!
Product: Debt collection

When I contacted American Accounts Advisors, I requested they validate the debt pursuant to The Fair Credit Re [ porting Act as well as The Fair Debt Collection Practices Act. American Accounts Advisors refused to validate the debt.
Product: Money transfers

i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please help!
Product: Money transfer, virtual currency, or money service

Hello, I was tricked by someone posing as my bank to send money to someone via XXXX. They told me about a possible fraudulent XXXX transfer, then walked me through the steps to prevent the fraud. All the while, they were planning to take the money. Bank of America is aware of this scam. I was given no warning that " Bank of America will never ask you to send money, '' not even a " don't send money to people you don't know '' when attempting the transaction. This is a KNOWN scam, and other banks have sent warning emails about this exact scam. No warnings from Bank of America. 
Now, Bank of America is refusing to return the money from the fraud. They KNOW about this exact scam, again. XXXX bank is refusing to return the stolen money, saying that the account is closed ( of course it is ). But why don't they have any record of the owner of an entire bank account? 
I don't know what to do. This is shameful and horrific. I'm doing my due diligence and contacting all the regulatory bodies, filing a police report, talking to local news outlets, and contacting a lawyer. 
Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection from XXXX on my credit report. I have been disputing this collection for MONTHS. Continuously telling the bureaus that I have not done business with this company, continuously asking them to validate the debt and nothing ever happens except them saying " verified ''. This thing has so many issues. They acknowledge my dispute with no proof of validation which is completely against the law, the current balance is lower than the high balance, it says date of last activity for XXXX was XX/XX/XXXX but how? Date of last activity for Experian says XXXX. I don't even know who these people are. My rights have been violated and my credit file is suffering. I have been denied credit due to this. I didn't want to go as far as hiring an attorney but if this is not removed within 30 days I will be hiring a attorney to represent me in court. 
This complaint serves as the final demand for proof of validation. While this is being disputed I also demand removal from my report & cease of collection.
Product: Mortgage

During this time to restart my payments I had a lot of income changes and decrease and financial struggle to pay I called asked for more time before I continue payments and trying to get my payments lowered they told me about insurance to search for cheaper to lower payments I can not find any cheaper at the time I currently owe XXXX because of trying to pay and overdraft on my account but I'm trying to get my payments between XXXX dollars a month because of poverty level income and no full time job currently work 20-25 hours weekly and paying bills on the home interest rate is receiving more than principal. Please if I can get this balance taking care of XXXX and a fresh start on monthly payments to establish right from here.
Product: Credit reporting or other personal consumer reports

In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Capital One Bank in the month of XX/XX/2019 shows ( ND ) as not reported to XXXX  and needs to be updated as XXXX payment. XXXX goes months with no updated information to payment history. Last time it was 3 straight months no payment history.
Product: Credit reporting or other personal consumer reports

Vance and Hoffman {$940.00} open balance XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX  and removed all of them, but now equifax and XXXX don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau
Product: Debt collection

ive received a bill back in XXXX XXXX XXXX, i immediately called and asked them who they were and why was i receiving this bill? Once they informed me of where it was I immediately knew it was not me. I live in Florida and never have been to a hospital in XXXX. They told me i needed to file a dispute with XXXX. i did so on XXXX XXXX. Today i called again and they said the only way they can remove it is if i made a police report for identifty theft or fraud. Once i obtain that i have to send it to them.
Product: Debt collection

Debt had been paid by insurance prior to XX/XX/XXXX when I last spoke to the medical management company that billed for the services. Tonight ( XXXX/XXXX/XXXX ) I go t a call just before XXXX from First Point telling me that I still owe {$620.00} for services. XXXX was insistent that I still owed the money and he has control over reporting it to the credit bureaus. He stated that as of XXXX/XXXX/XXXX I still owed {$620.00} and he was attempting to collect it. XXXX was not willing to hear that I did n't owe any money and that it had been paid. After I let him know that he is not able to try and collect money for a debt that was paid he became very argumentative, stating that he can and needs to collect the debt.
Product: Money transfer, virtual currency, or money service

GEMINI TRUST COMPANY , LLC MAINTAINED CUSTODY OF HUNDREDS OF SELF-DIRECTED IRA ACCOUNTS FROM WHICH GEMINI ALLOWED A HACKER TO ILLEGALLY TRANSFER APPROXIMATELY {>= $1,000,000} IN CRYPTO TO A SINGLE, UNRELATED ACCOUNT. GEMINI THEN ALLOWED THE HACKER TO REMOVE ALL OF THIS CRYPTO FROM GEMINI 'S EXCHANGE AND TRANSFER IT TO A " TORNADO, '' WHERE THE STOLEN CRYPTO HAS NOW BECOME IMPOSSIBLE TO TRACK AND RECOVER. GEMINI PROMISED ITS ACCOUNT HOLDERS THAT IT WOULD IMPLEMENT TWO-FACTOR AUTHENTICATION FOR ANY WITHDRAWALS, AND YET GEMINI ALLOWED THE ILLEGAL TRANSFERS TO OCCUR W/OUT DOING SO, AND WITHOUT PROVIDING ANY NOTICE TO ACCT HOLDERS THAT THE TRANSFERS WERE OCCURRING. GEMINI ALSO AVOWED TO ITS CUSTOMERS THAT ALL CRYPTO STORED ON ITS EXCHANGED IS FULLY INSURED, AND YET GEMINI HAS FAILED TO COVER THE LOST CRYPTO.

THE THEFT OCCURRED, IN SIGNIFICANT PART, DUE TO GEMINI 'S USE OF AN IMPROPER API NOT SUITABLE FOR IRA ACCOUNTS THAT ALLOWED IMPROPER ACCESS TO THE CUSTODIED ASSETS. THE THEFT AMOUNTED TO AN IMPROPER MONEY-LAUNDERING SCHEME , IN VIOLATION OF FEDERAL AND NEW YORK STATE LAW. 

GREATER DETAILS REGARDING GEMINI 'S DEFICIENCIES ARE SET FORTH IN THE ATTACHED COMPLAINTS FILED WITH THE NY XXXX XXXX XXXX XXXX.
Product: Prepaid card

I tried using the card to make a purchase of {$1000.00} online. The card balance is {$1000.00} and is registered to me. The phone system or online methods of seeing and un-decling declined transactions is not existant. This is false advertising if not worse that you will not let me use my {$1000.00} online.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I am upset that the listed items on my letters are still reported inaccurately despite I have already informed you that they are erroneous and its impacting my credit score.
Product: Checking or savings account

On XX/XX/XXXX I was told I would receive a XXXX " spot me '' advance or loan and I received it right away and then promised an additional XXXX on XX/XX/XXXX. I followed up on XXXX to make sure I would still receive XXXX on XX/XX/XXXX and was told no. I called again on XXXX and this time I was told yes I would receive the XXXX on XX/XX/XXXX. On XX/XX/XXXX I was told no again and that I already received it and reached my XXXX. I asked for a XXXX twice and was left on hold both times.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with Experian, XXXX, XXXX in regard to this account XXXX XXXX Account # XXXX, # XXXX. Why are there multiple account numbers across all three consumer reporting agencies? clearly that's a inaccuracy so delete based off that error! Experian, XXXX and XXXX stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my Experian and XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX as stated by XXXX so which is it?, it should be falling off my credit report when? The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! The account is also Charged off TEN times which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Experian, XXXX, and XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in Delete account immediately Account Name : XXXXXXXX XXXX Account # XXXX, # XXXX
Product: Debt collection

IQ Data International has listed an account on my credit report and is continually calling me and adding interest monthly to a balance that has already been paid through a garnishment. I called the attorney handling the garnishment XXXX XXXX XXXX and their collections department XXXX  XXXX and was informed that they do not use IQ Data for collections and had never heard of them. The attorney then contacted the original creditor to confirm that this account was not sold to or supposed to be handled by IQ Data and the original creditor stated that they only send accounts to the attorney on record and their collections department which is NOT IQ Data International. At this point everyone is baffled as to how this company got my information and has been adding interest to a balance monthly on my credit report for an account that was never owned by them and is now paid. Upon contacting IQ Data International trying to get this resolved I was spoken to rudely, told I owed it and was then hung up on.