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

I had money transfered from XXXX XXXX  to Citibank credit card company for {$10000.00} since XXXX, The Citibank credit card company received the funds on XXXX and they will do the invesgation for money first, i was waiting in about 2 weeks they said that was incorrectly credited to my account. They will rebilled the money back to the credit card company. I had contact the XXXX XXXX to notify them what was happenede and file a dispute charge, and received a response letter from XXXX XXXX stated that they never received a credit refund from Citibank. I needed to pay for the interest charge but never received the money.
Product: Checking or savings account

See below, this person, whom does not even speak proper English, whom I can understand, is refusing to communicate with me via email, thus will not be dealing with this person ... ..so there needs to be someone that actually can refund the retaliatory fees B of A imposed and close this account as I want nothing to with B of A whom engages in discrimination and retaliatory fees being imposed for protected XXXX individuals. This will also be addressed by California DEFH, whom protects our class of individuals in California and I will go to all the XXXX centers to insure that they do not do business with B of A whom systematically engages in discriminatory practices. 




Enterprise Resolution XXXX To : XXXX XX/XX/XXXX at XXXX XXXX  Dear XXXX XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ) . 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 

Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday, from XXXX XXXX  to XXXX XXXX. Pacific. 

I look forward to assisting you. 

Thank You, XXXX XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX Extension XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed 3 mail disputes for a collection account on my credit report the dates are XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time there has been a blatant inaccuracy reporting on my credit report. The last dispute came back XXXX updated and none of the inaccurate information was updated. The date last active being reported across each bureau is inaccurate and a direct violation of my FCRA rights intern re-aging those accounts and it is negatively affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$93.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}
Product: Credit reporting or other personal consumer reports

This complaint has been filed because i check my credit score again and im still with the same problem, so I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : *a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX, XXXX Personal credit card at XXXXXXXX XXXX XXXX XXXX, *and another personal credit card at XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent, negative, closed and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The primary borrow filed chapter XXXX bankruptcy and didn't tell me he was doing so. The vehicle was included in his bankruptcy but the financial institution is still reporting 2 years after the bankruptcy that I owe the full amount. I have called the company and they have XXXX records for me. It has been transferred to their asset recovery division but repeated attempts to contact them fail and they say they are closed.
Product: Checking or savings account

Dear, I'm XXXX resident and opened an account on Coinbase on XX/XX/XXXX of this year after identity verification. 

Coinbase revised once my account from XXXX and after more than one month I claimed it. Without providing any more documents, on XX/XX/XXXX I could use my account. Until today they didnt reply the checking standards. 

To my surprise a couple of days ago, they blocked again my account using the same excuse. After several emails, Coinbase support informed issue resolved but in fact still not. Until today I can not use it. 

The XXXX XXXX is very changable and if the operations are delayed I may lose a lot money. I strongly beg Coinbase to inform clearly : 1- What are their standards to check accounts? 
2- How often do they check the same account?

3- How do they check accounts? Are they asking the users to provide some documents? If not, how do they revise the account? 

Hope to receive their reply asap. 

Many thanks and regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX xxxxxxxxxxxxx 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 REPORTING INACCURATE INFORMATION NOTHING MATCHES 100 %
Product: Credit card or prepaid card

I fell behind in payments due to covid-19. I thought there is a law protecting consumers XXXX XXXX. XXXX XXXX. 
I told the guy it was because of the covid-19 and he told don't worry about it
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Incorrect Charge-Off Reporting by XXXX XXXX  To Whom It May Concern, I am submitting this formal complaint regarding an inaccurately reported charge-off on my credit file by XXXX XXXX. The account in question, XXXX, was settled in full on XX/XX/year>, yet XXXX XXXX continues to report it as a charge-off without reflecting its settled status or removing it as a goodwill gesture. 

I have already contacted XXXX XXXX directly, requesting a correction or removal of the negative mark from my credit report, but I have yet to receive an adequate response. As per the Fair Credit Reporting Act ( FCRA ), all information on my credit file must be accurate, complete, and verifiable. Since this charge-off remains despite full settlement, it is negatively impacting my credit profile unfairly. 

I am requesting the XXXX  assistance in investigating this matter and ensuring that XXXX XXXX updates my credit report accordingly. If they can not verify the accuracy of this charge-off, I request its immediate removal from my credit file. 

Attached are the following supporting documents : Proof of Settlement ( e.g., settlement agreement, payment receipt, or confirmation letter ) Copy of My Credit Report highlighting the incorrect charge-off Previous Correspondence with XXXX XXXX  ( if applicable ) Copy of My Identification for verification I appreciate your time in reviewing this matter and look forward to a resolution. Please provide me with a written response regarding the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Credit card

We were bumped off our original flight to XXXX on XX/XX/XXXX. When I found an alternative flight, I realized that we needed to stay in XXXX for a few days and started making a hotel reservation using XXXX app on my phone. After I found XXXX XXXX XXXX and made the reservation, I did not get a confirmation right away. I thought there may have been a glitch on the app or the card may have declined the transaction for security purposes, which often happens. I re-tried to make another reservation but for a different hotel, XXXX XXXX XXXX since XXXX XXXX did not show up on the suggestions after I refreshed the app I was using. I used a different credit card this time to see if it would go through and it did. After the app showed my confirmed reservation with XXXX, the confirmation for XXXX XXXX also just came through. I called the app provider, XXXX and told them what happened. I asked to have the first reservation cancelled just minutes after I saw the reservation confirmation on their app. All of these were happening while our alternative flight was about to take off. Upon reaching XXXX, we checked in at the XXXX XXXX. I chatted with an XXXX represenative again to get an update on my cancellation with XXXX but I was told that since the terms of the reservation was non-refundable, the hotel was declining to refund us. I reached out to Discover card, the card I used to make the hotel reservation with XXXX and filed a dispute to contest the charges. I provided my chat history with XXXX and the email confirmation I received which reflected that the confirmation was an hour and a half later than the time and date that we were supposed to check-in to prove that I did not get the confirmation for the original hotel reservation on a timely manner but the card company sided with the hotel and now forcing me to pay for the rooms that we did not use. The hotel confirmed in the letter they provided with Discover that we didn't show and that the room was not occupied.
Product: Debt collection

On XX/XX/2020 i sent a debt validation letter to National Credit Adjusters and they received it by XX/XX/2020 via certified mail. I did give them 30 days to respond and didn't receive a written response to my request.
Product: Mortgage

I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX
Product: Mortgage

About 8 months ago, I called my mortgage company because I was behind on some mortgage payments. I spoke to customer service from the mortgage company and that person stated that my account was on process of an assumption agreement and to hold making payments. After 3 months, I receive a letter from attorneys, hired by the mortgage company stating that my property was on foreclosure for lack of payments. I then called the mortgage company again and they stated that I needed to send more documents for the process of the assumption. They sent a form ( RMA ) which I submitted back to them over and over again because it kept getting rejected. Finally I spoke to a relationship manager, who then stated that they had been sending the wrong form and that was the reason the RMA form kept getting rejected. I replied that it wasn't my fault and because of that, everything was taking longer. I was told that I needed to download the form and fill out and send it to them. It took me awhile to submit since I have been sick and diagnosed with XXXX, I did not have the ability to fill out the form by myself and was just struggling completely to get this done with. Finally a friend helped me and the form was sent. To the day this has not been resolved and just one month ago I still had to send over the whole package again. I do not want my family or I to lose my home and this situation has caused me a lot of anguish and stress.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. XXXX is a XXXX federal law that regulates access and disclosure of student education records and XXXX has clearly violated this law. 

XXXX XXXX XXXXXXXX XXXX Current Owner XXXXXXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX XXXX XXXXsbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type DIRECT School XXXXXXXX XXXX  Current Owner XXXX XXXX XXXX XXXX  Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Potential Identity Theft Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report. I believe the information listed below may have been caused by identity theft due to a data breach where my personal information was compromised. I kindly request an investigation under the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the disputed accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Issue : This account reflects a charge-off and an inaccurate past due balance of {$10000.00}. I do not recognize this account or the charges associated with it. 
XXXX. XXXX XXXX XXXX. 
XXXX Account NumbeXXXX : XXXXXXXX XXXX Issue : This account is reported as charged off with a past due balance of {$3800.00}. I believe this account may have been fraudulently opened or accessed without my knowledge. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Issue : This account reflects a past due balance of {$180.00} and late payment history. I believe the activity on this account is inaccurate and may also be related to identity theft. 
As evidence of the data breach and identity theft, I am attaching the following : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
A copy of the police report filed regarding the theft of my personal information. 
Please investigate these accounts thoroughly, and if you are unable to verify their accuracy with supporting documentation, I request that they be removed from my credit report immediately. 
Enclosed are copies of my identification and proof of address to assist in your investigation. Please let me know if you require any further documentation or details. 
Thank you for your prompt attention to this matter. I expect to receive the results of your investigation within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Identity Theft Report Police Report Copy of Credit Report ( highlighted ) Copy of ID Proof of Address Per 15 U.S.C 1681i ( a ) ( 1 ) ( A ) Experian nis required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 u.s.c 1681i ( a ) ( 5 ) any information found to be inaccurate incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023