23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase is the company where I had {$3900.00} dollars and suddenly, they disappeared I have claimed and they say they are investigating however in my account there is not a single dollar left, they took it.
Product: Credit card or prepaid card

Approximately 3 weeks ago I noticed a withdrawal and I believe it was 2 charges that did not belong to me or did I consent to them. So, the account was closed and a new card was issued that was also closed when I received it. In the interim I was told it would take approximately 5 business days to resolve the matter. There have been additional deposits made to the card and I have not been able to access any of the money on the card. BANK OF AMERICA also has engaged in false advertising claiming XXXX liability to the consumer for charges unauthorized, to the card. I have done everything required and still am forced to wait any help you may provide will assist me and many others to move forward
Product: Credit reporting or other personal consumer reports

I am formally disputing the negative items listed on my credit report under CFPB, as they are either inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any item that can not be substantiated. Additionally, I am filing a complaint against the three major credit bureaus ( Experian, XXXX, and XXXX ) for failing to ensure the accuracy of my report and for their lack of proper investigation into disputed accounts. I request an immediate review and removal of these items, as they are unjustly damaging my credit. Please provide all supporting documentation for the listed accounts, or delete them from my record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX and Equifax unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Product: Checking or savings account

On XX/XX/2021 I came across an ad from Chase Bank offering a combined cash bonus of {$520.00}. The offer was a 3 step process and expired on XX/XX/2021 ( photos attached below ) : ( 1 ) Get {$220.00} for opening a Chase Total Checking and setting up direct deposit within 90 days, ( 2 ) Get {$200.00} after spending {$500.00} on purchases in the first 3 months from opening a Chase Freedom Unlimited Credit Card, and ( 3 ) Get an extra {$100.00} bonus for opening a Chase Total Checking and chase Freedome Unlimited credit card within the promotional time frame. Each product had it's own click to " open an account, '' which I followed accordingly. There was no mention of coupons or codes. 

Since then I have received {$220.00} into my Chase Total Checking onXXXX ( photos attached below ) as well as the {$200.00} bonus towards the Chase Freedom Unlimited in the form of points ( XXXX points for the equivalent of {$200.00} ). However, I am still waiting for the extra {$100.00} bonus. Since then I have made numerous attempts, through the Chase Online Banking secure message center and with customer service reps. via their customer service line with no avail. I have consistently been given the run around because I am unable to provide them a " coupon code, '' which the website never mentioned. I am forced to file a complaint to find a resolution for an issue that has been ongoing for over a month. All I am wanting to accomplish is getting my bonus or at least an understanding of when and where this bonus would be deposit/credited to. It seems like no one has a clue. 

I have included contacts via the Chase Online Banking secure message center below which contains a case number in the event this is helpful. Thank you for your assistance.
Product: Credit card

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 ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute and the creditors and Equifax, Im not liable for this debt with XXXX XXXX account number XXXX. Also XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXXXXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 AmeriCredit has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX - XX/XX/XXXX An account I had never missed a payment on and had been paying on since XXXX with 2 paid off trade in vehicals I've leased with this same company had been completely removed from my credit report after disputing for the correct amount owed to be adjusted.This creditor was XXXX XXXX XXXX services XXXX, XXXXThis has made a huge negative impact on my credit score, hindering me from potential homeownership. In total I've paid over XXXX on time payments and up until this month I recently fell behind due to the financial hardship of identity theft.Ive reached out to XXXX XXXX, XXXX, XXXX and other credit bureaus with this concern and was assured it would be fixed.Upon checking my credit report recently it was NOT.Ive also reached out to XXXX XXXX twice once by phone the other by email with concern for my payment history being completely removed from my report.I have not heard any updates from either credit Beauro or the current Finace Company that I'm leasing from about this matter.
Product: Credit card or prepaid card

During a telephone conversation with Discover on XX/XX/XXXX XXXX 1 ) requested to have my credit card account closed and 2 ) requested copies of all statements from XX/XX/XXXX to XX/XX/XXXX in order to determine if any charges were fraudulent. I was told my account was closed as of XX/XX/XXXX. I received the requested statements later in XXXX. I followed up in writing on XX/XX/XXXX confirming both requests. 

In the XX/XX/XXXX follow up letter, I identified {$890.00} in fraudulent charges that I requested to be reversed. I provided detailed information regarding the dates and amounts of the disputed transactions. I have received no response from Discover and no charges have been reversed. 

Since the XX/XX/XXXX request to close my credit card account I have had an additional {$200.00} in credit card charges. These consist of four monthly charges of {$17.00} from XXXX and one charge of XXXX from XXXX. 

On XX/XX/XXXX I had another phone call with Discover. I was told that my account was not closed on XX/XX/XXXX. I was again told that my account would be closed. I hope it was, but am not confident. I was also told that Discover would not reverse the charges described in my XX/XX/XXXX letter nor would they reverse the {$200.00} in charges described above ( charges made since I requested the credit card be closed on XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and 17 fraud inquiries from XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Transcript Follow along using the transcript.
Product: Credit card or prepaid card

Bank of America Edd debit Card account. I have been trying to get back 2 amounts that were stolen our of this account. I have submitted 3 complaints here this is my 4th XXXX the number of my last complaint. Briefly XX/XX/XXXX {$5000.00} was transfer out of my account by criminals who set up a bank transfer on my account. ( I never even new at the time I could do this only used my card. ) on XX/XX/XXXX on {$4400.00} was stolen the same way. Then after that and after what seemed like a million calls, instead of listening to me or investigating, B of A edd proceeded to reimburse me and the criminals would steal it immediately. Now, since I have tried repeatedly to talk to resolution dept. of B of A edd I have recently received a letter on saying they have temporarily credited my card, which is associated with my account which was closed because of the criminal activity, which I had to do since they were not doing anything. So when I call to figure out how to get my partial payment of what was stolen, I am told the account is closed and they can not help me and to talk to XXXX/EDD. I have been speaking with a very nice caring lady at EDD and she told me that once the money is transferred to Bank of America EDD account they have no control of it. She has put in an inquiry to the higher ups for me. So I have been waiting a month for a response from the higher ups at XXXX/EDD. Bank of America EDD you can talk to them for hours and the will repeat the same thing '' your account is closed and we can do nothing, contact XXXX/EDD. Also I have a new open account with XXXX/EDD, where they were sending my money by checks, because I obviously don't trust Bank of America EDD debit card accounts. I know I am not alone and I am one of millions that are being treated this way. Any help out there?
Product: Payday loan, title loan, or personal loan

Due to the covid-19 situation, I lost my income and am unable to make the minimum payment on this loan that was due on XX/XX/2020. I contacted the lender on XX/XX/2020 to ask if I could defer the loan 3 months ( as other lenders had done ). The representative said he would put a request in and that I should receive an email w/documents that I will need to fill out and turn back in. It would take 1-2 business days. I called back on XX/XX/2020 to make sure this was done. The representative checked and yes, the request had been sent, but nothing was emailed to me yet. Should receive it that evening. Called back and emailed on XX/XX/2020 ... .still nothing received and they had no information for me. They said again, email should be sent by end of day. Called on XX/XX/2020, still no email and again told the same info ... except today I am told it takes 1-3 business days and possibly longer. Should receive email soon. Each day I have told them I have never been late on a payment. I am told I have a grace period until XX/XX/2020. Called again on XX/XX/2020 and I am told the same-I ask for a supervisor. He says they do not have any new info. He also says that some requests have been unanswered for months and he does not know if there is anything they can do for me. They have not received any guidance from the managers. He gives me the email address to email them directly. I have not received a response from that email ; or, the one I sent on XX/XX/2020. I am not able to get any answers from this company and basically I am not able to pay on this loan at this time. I was set to pay it off this year. I am very distraught and concerned as I have NEVER been late on a payment and all I receive from them is lip service.
Product: Student loan

Aidvantage is reversing my auto pay payments toward my loans stating my bank number is invalid but they have taken two prior payments with my bank and now I have missed my due date. I have been told this issue would be resolved and it has not. If this continues it will ultimately impact my payment history on my credit score as well as increase the interest due. The company needs to straighten this out as I am not the only one experiencing this issue.
Product: Mortgage

I refer to my earlier complaint # XXXX and the Mortgage Service Company 's response, which is attached. 

It is alarming that the Mortgage Insurance company " XXXX XXXX '' is engaging in two confusing tactics in order to achieve foreclosure on this property : 1- On the one hand XXXX states that it will not approve a short sale because I had purchased another home prior to default. 
2- On the other hand, XXXX engaged in the short sale negotiations in XX/XX/XXXX and stated it won't accept less than {$390000.00}. 

XXXX XXXX is negotiating in bad faith. It can not hang its hat on the rationale that I ( the borrower ) am ineligible for a short sale loss mitigation because I bought another home prior to default, and in the same breath provide a counteroffer of {$390000.00} to the {$380000.00} buyer offer. Furthermore, Mr. Cooper has done its own independent appraisal which valued the house at {$380000.00} in XX/XX/XXXX. 

On the issue of defaulting on the payment after I purchased another home. This is totally coincidental. I had vacated the property in question - the Maryland  Property - in XXXX of XXXX. The property has been rented out to at least 3 tenants until XXXX of XXXX. In XXXX of XXXX, I moved to Florida  in search of a lower cost of living and was able to find employment and bought a primary residence which closed in XX/XX/XXXX. After my last tenant vacated in XXXX of XXXX, I re-listed the Maryland  Property for rent and continued to pay the mortgage for XXXX, XXXX, and XXXX of XXXX. I had no intention to default. Unfortunately, we could not find a new tenant - this is all documented. So, the claim that I purchased a home and decided to default after that is bogus and sophomoric - it is all coincidental. I have documents to prove that I re-listed the house for rental and or sale and continued to pay the mortgage for 3 months in hopes to attract a tenant. 

XXXX can not use the rationale of my having purchased another home before defaulting. The XXXX Property was rented out for 6 years before the default. I had moved to two different states in search of employment ( California  and Florida  ). My last tenant just happened to move out at the same time that I purchased a home. I did not purposefully default. 
As for the counteroffer price of {$390000.00} it is not achievable. The price offered of {$380000.00} agrees well with the independent appraisal completed by Mr. Cooper in XXXX of XXXX which valued the home at about {$380000.00}. Other real estate valuations were done and show a market value of {$370000.00} to {$380000.00}. These other opinions were also forwarded to Mr. Cooper. 

Mr. Cooper as a fiduciary agent of XXXX should reach into XXXX 's upper Management and request a realistic review of this situation.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report this morning, and I have no idea how they ended up there. I make it a habit to check my credit report regularly, but this time, I noticed discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it might be an error, but the inaccurate accounts remained. Because of this, I urge a thorough review of the documents I have submitted so I wont have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft. Only on my Experian credit file. I reported as soon as I was contacted from my XXXX XXXX credit watch service. I have never done had this happen before. I told Experian the account was not mine, so they filed a dispute instead of removing the fraud. So after that they let this same company XXXX charge my credit file three more times. I was shocked. I filed four police reports you have to file one for each incident, I sent everything to Experian they just kept telling me the company said its mine, and I needed to contact the company. I contacted the company after the first incident, the two people I spoke with assured me the account would be removed, none of my information matched what they had on file, I even wrote a email Thanking them for being so kind and assuring me the account would be deleted. I have been working so hard on my credit so I can buy a home, now its ruined XXXX points down. I dont really know what else to do, but fill the information out here, as well as with the Federal Trade Commission , and obtain legal counsel. This is my life. This was not me, I pay my bills on time every month for years. Please Help Me. Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these entries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft have the right to have fraudulent information removed from their credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$0.00}