23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Bank of America debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Bank of America XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called BOA again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. BOA claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with BOA and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.
Product: Credit reporting or other personal consumer reports

Please be advised I was a victim of Identity Theft!! 
XXXX XXXX XXXX we Ive never done business with or interned into a written contract is trying to collect a debt I dont owe. I police report was provided in XX/XX/year>!! The account was removed!! Ive never done business with XXXX finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXXXXXX XXXX XXXXXXXX {$13000.00}.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was never informed of this company before this was placed on my credit file. I do not owe these. I have disputed and no resolution nor validation has ever been received. Please help
Product: Debt collection

XXXX XXXX XXXX XXXX is calling all times and let it I know that if I do n't pay this account my credit is going to be damaged and I can do nothing with my credits. This account is 7 years old and is still appear on my credit with {$130.00} and {$2000.00}, Those accounts are from 2010 and are almost 8 years of this.
Product: Student loan

During the summer time after I completed my XXXX degree and was transferring to another university. Navient did not allow me the courtesy of the 6 month period to start repaying on my loans. Instead they charged me interest for the three months before I started at the university. These fees and excess interest was never refunded to me. Instead I was told that I needed to make the payments anyway and that the payments that I had already made can't be reversed but the interest that was being charged they would drop after I had already made payments frantically. As of this moment I am unaware of the total dollar value of these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report with XXXX, Transunion and XXXX  and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report and noticed that I've been a victim of Identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that I've found : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>, PLEASE REMOVE THESE FRAUDUNENT INQUIRIES I ALSO ATTACHED MY FTC REPORT AS WELL
Product: Checking or savings account

Wells Fargo closed my checking account, savings and credit card accounts in XX/XX/XXXX for no reason and they are refusing to refund my money that was issued to me by an XXXX vendor in the amounts of {$180.00} and {$36.00} for a total of {$210.00}. The XXXX merchant has issued a refund to my Wells Fargo debt card ending XXXX in XX/XX/XXXX and Wells Fargo is refusing to send me my refund after several attempts to contact by phone to open the below claims : Claim # XXXX opened XX/XX/XXXX Claim # XXXX opened XX/XX/XXXX I've contact XXXX and they assured me the refund was issued by their merchant to my Wells Fargo account in XX/XX/XXXX, not XXXX and it has not been returned to XXXX as Wells Fargo has claimed and I have attached the email from XXXX confirming a refund has been issued to Wells Fargo and it is Wells Fargo 's responsibility to issue me a refund check since I no longer have an account with them.
Product: Mortgage

I am trying to obtain a short sale approval from Astoria Bank - they ( Astoria ) demanded that they have short sale approval from all junior liens BEFORE they would even consider a short sale. I pressured the junior lien holder XXXX XXXX XXXX XXXX for their approval - which was granted on XX/XX/XXXX17. I am not being told that this file will take at least another 30 days for Astoria to review and consider for a short sale. It has been almost 2 months since XXXX XXXX approved the short sale - and Astoria is telling me it will be at least another 30 days before they will have a response. Can this be escalated???
Product: Money transfer, virtual currency, or money service

In XXXX, a problem arose with the email I had associated to the XXXX  account that I happened to use with Coinbase. This resulted in me having to change the email attached to my XXXX account. When Coinbase saw that my XXXXXXXX  information had changed, they locked my account. I thought this was just a security thing, so I re-verified my identity with them and gave it a week or XXXX to process and figured the restriction would be lifted. They never lifted the restriction. When I contacted Coinbase about this, they asked a few vague questions about why I use Coinbase and stuff along those lines, and that was it. A couple weeks go by and I don't hear from them, so I contacted them myself again. They informed me that the review was declined and that they wouldn't be willing to unlock my account. This was after being a customer with them for years, and probably giving them hundreds, if not thousands of dollars. I asked why and told them I could give them any information they needed, I just needed my account back. They refused to elaborate, and said I could try to dispute it again in XXXX, at which point it will probably just get refused again. This is completely unacceptable. Nobody should be putting any of their money in Coinbase 's hands if this company can just lock your account indefinitely and not provide you a reason.
Product: Credit card or prepaid card

XXXX account under the email address XXXX was created without my knowledge or authorization, I did not authorize any transactions initiated from this XXXX account. Additionally, my signature was forged on a XXXX package sent for the {$5000.00} transaction referenced in this affidavit, I did not receive any XXXX package or benefit as a result of this transaction. Lastly, online banking credentials have been compromised as the address listed is XXXX XXXX XXXX XXXX XXXX MI XXXX and phone number listed is XXXX, neither of which is my accurate contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX Account # XXXX
Product: Debt collection

AR Resources XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX FL XXXX Dear AR Resources, I hope this letter finds you well. I am writing to inform you of multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by your agency regarding the abusive & excessive text messages I have received, See attached. 

On XXXX XXXX, XXXX XXXX, XX/XX/2023, I received a total of XXXX unsolicited text messages from your agency in an attempt to collect a debt.. These actions clearly violate the FDCPA, specifically Section 1692d, which prohibits debt collectors from engaging in conduct that is harassing, oppressive, or abusive. 

I am demanding {$3000.00} payable within 7 days for excessive and unjustified demands, which violates Section 1692f of the FDCPA, prohibiting debt collectors from using unfair or unconscionable means to collect or attempt to collect a debt. 

I am formally demanding that your agency immediately cease all communication with me through text messages. All future correspondence related to the debt must be conducted through written communication via mail, as per my rights under the FDCPA. 

Furthermore, I demand that your agency take immediate action to rectify this situation and address the FDCPA violations that have occurred. Specifically, I request the following : Cease all communication with me through text messages, as per my preference. All future communication should be conducted in writing and delivered through traditional mail. 
Refrain from making excessive demands causing stress duress and mental anguish via text message, which is in violation of the FDCPA. 
Provide written confirmation within 10 days of receiving this letter that my request has been acknowledged, and all text message communications have ceased. 

Please be aware that I am fully aware of my rights under the FDCPA and will not hesitate to take legal action to protect them if necessary. The violations committed by your agency are serious and require immediate attention. 

I trust that your agency will promptly address this matter, rectify the FDCPA violations, and ensure that such actions do not recur in the future. Failure toto meet the above mentioned demands may result in legal action being taken against your agency. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation of the actions taken within 7 days of your receipt of this letter. 


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

So I recently disputed several inaccurate items on my credit report on Experian. I disputed exactly how it is said to do and used factual information and attached documents to support my reasoning for what I wanted done. Out of the 8 items I disputed only one item was removed from my report. I have attached a copy of what was sent to me. I don't understand how you ask a person to be specific and then when it happens nothing is done. These are clear violations that are showing on my report. XXXX XXXX XXXX was the only account that was removed. On the attachment I am sending I have marked all the inaccurate and clear violations such as date of status not being updated to show that a investigation was even performed, late payments on accounts after the accounts are charged off and closed, and monthly payments on a account that are closed and sold/transfered but doesn't even state who bought the account. These are all violations and I have asked for these accounts to be removed /deleted from my credit report. On XXXX XXXX it shows late payments and I have never been late. I have asked Experian to provide me the paper work or a bank statement to show me proof that I was ever late. I have never received anything. I have also asked for documents showing my signature on a contract and they have not provided this information either. I am very upset because I am getting no where with these disputes and I am showing them that the items they are quote on quote verifying are being deleted by XXXX and XXXX so how is it still showing on mine after I have disputed. All the bureaus get there information from the same sources so why am I not getting the results I have asked for. I don't want a letter telling me I need to be more specific because I have attached my dispute letter as proof that I am being very specific in what I am saying and wanting done. I also want my personal information to be corrected to one date of birth, one social security number, one address, one employer, one phone number as I have asked and disputed as well.
Product: Mortgage

I have spoke to multiple branch manager of the years at Suntrust. I was never late on my mortgage. they reported I was late when they failed to electronically withdraw the payment from my online savings account. Please have them provide statements to show the monies were in the account to pay the mortgage,.
Product: Credit card or prepaid card

On XX/XX/22 I made a balance transfer payment. I paid to the incorrect account, and on XXXX contacted Bank of America and the agent I spoke to confirmed that the overpayment amount would be returned to me by check. When I asked the agent, they confirmed it would be returned by check. When I received communication from Bank of America, the letter advised me the funds would be returned to where they received the money from, not as a check as the agent told me. I have checked the paying bank, and the funds have not been returned as a payment or credit. 

On XX/XX/22, after receiving the letter, I called Bank of America again and spoke to an agent who, after I explained the situation, told me that " you can not pay a credit card with another credit card '' to which I had to advise that in the event of a balance transfer, you can do that. It is concerning that the people I spoke to employed by this bank did not know how to assist me in features their employer offers. The agent then transferred me to another department. The agent I spoke to in the Credit Card department they told me it could take up to 30 days, and repeatedly stated I had requested it would be returned by ACH to the source bank, which I had not. I had not provide routing or account information for a return transfer, because it is returning to a credit card, not a checking or savings account. I was advised to give it a " few days '' for resolution. 

The agent told me the way the payment is represented on their end does not align with the actual events of the payment. This is also concerning, because there is either a system issue or agent issue. Neither bodes well for the accuracy of their service and security. 

Bank of America lied to me about how my funds would be reimbursed. If it was not possible, the agent I first spoke to should have told me that, instead of lying to me and advising me the funds would be returned to me by check. I am now out {$1800.00} due to this and I am not being provided a realistic solution by the bank that caused the error.
Product: Credit reporting or other personal consumer reports

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal Credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent 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, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment to XXXX XXXX Amount-XXXX Date-XX/XX/2022  @ XXXX I submitted the dispute with CashApp XX/XX/XXXX under case number XXXX. 

They advised that the dispute was denied due to not being able to verify it was me that allowed the payment to process.

I also contacted XXXX XXXX but they advised they could not locate the payment since

I dont have an account with them. Thank you.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND 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 I AM ASKING YOU TO VERIFY AS ACCURATE XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct. # XXXX has violated my rights.I have no first hand knowledge of any debt with is company. This is fraudulent as my information was obtained, illegally. 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 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Money transfer, virtual currency, or money service

I added {$10.00} to my Cash App account from my XXXX XXXX account but the money is missing. Cash App is claiming that the money was never transferred to my Cash App account even though I spent it using my Cash App debit card and also received a 5 % discount on my purchase. 

As a result of using my Cash App debit card to make purchases I now have a negative Cash App account balance. Cash App owns me money.