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

I flew to the XXXX on XXXX XXXX airlines with my family in late XXXX. Whilst I was in the XXXX the airline went bankrupt and I had to purchase a last minute flight home. I put in a claim with Chase Credit card for a full refund of the XXXX XXXX flight with the justification that XXXX XXXX did not provide the service of bringing my family home from the XXXX ( Transaction post date of XX/XX/2019 - {$1200.00} ) That request was rejected by XXXX XXXX  receivership bank. 


I called up Chase in order to continue the dispute. I talked to a supervisor there who stated that I should try and claim back a partial amount. We agreed on half the amount and that Chase would send that request in for me and that I should call back 2 weeks later. I called back one week later and was told that the claim was processing and that I should call back in a week. When I did call back a different supervisor told me that they had in fact done nothing because I was supposed to send them a secure email to tell them to try and claim half the amount. I then did as requested on XX/XX/2019 and sent a secure email to request the half amount back Today ( XX/XX/2019 at XXXX PST ) I called back to check on the status of the claim. The supervisor told me two things : 1 ) That the claim was now over 60 days and they could not do anything.

2 ) That they are under no obligation to ask for half the amount  given that the other financial institution had rejected the first amount. i.e. They never actually put the request in for the half amount claim of {$610.00}. 


Note that It was over 60 days because of the incorrect information Chase provided me over the phone ( I lost at least 15 days where I was told that they had put the reduced claim in ) and I also can not believe that the bank has no obligation to request a different amount based on the initial response from the other institutions bank. 


On the final call I also asked if there was an independent group I could make a complaint to. The supervisor did not mention the CFPB at all and informed me that all complaints were handled internally by the Credit Card Dispute office.
Product: Bank account or service

Bank of America continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable " overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??
Product: Credit card or prepaid card

Hello there, I had a credit line of {$5000.00} and I called in to get permission to get approved for a large purchase and Chase said you can shop with confidence as we no longer request a heads up for large purchases. 

My card was declined and I was sent an email stating Chase lowered my credit from {$5000.00} to {$1000.00}?!? 

Whats happening?! Ive never been late!!!
Product: Money transfer, virtual currency, or money service

I wish to complain about Coinbase Inc. I was a victim of scam fraud by bsxstar.com through Coinbase Inc for the amount of XXXX. When i new that i was scammed i immediately contacted Coinbase Inc and was told that there nothing could be done about my problem. I believe that this response in unfair especially for the amount of money that is involved. I suffered from XXXX from this situation until now because i have been waiting for their response but it has been months of settling from them but they refused and closed my case. I am so hopeless and I have decided to bring up my case in your institution hoping you could help me. I was ready to take my life because i have been refused to be helped by the Authorities and by Bank companies and especially the Coinbase company but i believe that there is still hope for me. 

I look forward to hearing from you. Thank you so much. 

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

My identity was stolen. I never applied for this account I have no idea where these accounts came from. These are fraudulent accounts, I never shared my personal information with anyone, I never gave anyone permission to use my personal information. These accounts were opened without my consent.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$210000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX Experian : XXXX XXXX  XXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$5800.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$6400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$7600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$4200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$6800.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by TransUnion and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ). 
Proof supporting the claim of late payments, including specific dates, amounts, and communication. 
Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act. 
If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote the 3 bureaus several times about the inaccuracies on my report yet they keep saying the accounts are verified but haven't provided me no documents showing I authorize any of these accounts I demanded they be deleted and the accounts are still on my credit reports one one or more of the bureaus
Product: Debt collection

On XX/XX/XXXX I was served paperwork saying I was being sued by CBB Collections over a repossession I had with XXXX XXXX XXXX I called them multiple times and attempted to make payment arrangements that were reasonable for my budget to avoid being garnished. They refused to work with any amount I told them I could afford and told me I had to pay at least {$400.00} or so to avoid them sending in for a judgement. I filed my taxes and told them okay I would be able to just pay them once it came in. They told me I would have until the agreed upon date of XX/XX/XXXX to pay the full amount of XXXX that I owed to avoid the judgement. The week of I called them and informed them my return was being delayed and requested them to just hold off until the money came in. They refused and told me all I had was until that deadline. I called them back on XX/XX/XXXX when my refund got to my account and asked if they had sent in for the judgement and they said they never did and that I still had the option to pay. I paid the {$5400.00} on XX/XX/XXXX. In XXXX XXXX XXXX ( this year ) I sent an letter to XXXX XXXX XXXX requesting they delete my tradeline since I paid them in full the year before through CBB Collections. The lady informed me they never received payment from CBB and told me I still owed them the balance. She told me the balance owed was {$4900.00} not the {$5400.00} that CBB told me I owed them. The lady at auto credit financial told me CBB told her the debt wasnt paid. I told her no this is wrong because I paid them one year prior. She emailed me back and told me she called CBB and that CBB told her that I paid the balance in XXXXXXXX XXXX XXXXXXXX and they would send her payment as soon as they could. I told her this was incorrect because I paid them XXXXXXXX XXXX XXXXXXXX and I provided her with my bank statement showing the transaction of {$5400.00}. She said she would have to contact them and find out why she did not receive the payment the year I actually paid. I have not heard back from her since. Right after speaking with her I called CBB and left a message and never received a call back. I then emailed them and never received an email back. CBB Collections not only lied to me and took an extra {$490.00} on top of the actual balance owed, but they also held onto that payment for a full year and lied to auto credit financial and told them I never paid them in XXXX and paid them in XXXX. CBB reported to my credit report that they received payment XX/XX/XXXX. Because of this auto credit financial has been reporting this open bad account as being unpaid for a full year and it has been damaging my credit.
Product: Checking or savings account

A year ago in XXXX I was contacted by my the fraud department of USAA and was sent a text message that money was being attempted to be removed by someone on XXXX and I called and tried to rectify it. They sent a text asking if I authorized it and I text back no and then revive a call from USAA. As I was speaking with this person they had all of the banks speech that they normally use the help identify them. They knew a lot about me and basically got access to me account and added themselves to my XXXX contacts and transferred money. When I reached out to USAA and told them I dont know this person and it hard to discover that they werent them until it was too late. They said it was my negligence and that it was completely authorized since I went through the steps. This is not the first time something like this has happened and they basically told me that XXXX inept and they have they right to close my accounts because it was my fault. I eventually gave up on them and they kept charging me on transactions I couldnt stop. So they closed my accounts with them.
Product: Student loan

I have been struggling for 7 years to pay off my student loans with Discover Student Loans. Currently, I am at {$2000.00} a MONTH. I got out of a repayment option that bumped up my monthly payment. I have tried to consolidate with Discover and they have told me that I have exceeded the amount they can consolidate. Yes, the loan company that willingly gave me this at ages 18-22 ( this is predatory lending!!! ) will not consolidate their own loans. I have asked to go to court to renegotiate but they said I would need to get an attorney. All the attorneys I have spoken to have told me that I would need to default on my loans to go to court. I am not going to further ruin my already bad credit for a CHANCE to renegotiate my monthly payments. Discover will not work with me to lower my regular monthly payments. 

I do not want to default in order to sue. I want my monthly payments lowered or my pay off date extended. I am unable to survive like this. I don't know what other legal means I can turn to pay this. I feel like I'm being forced to do crime to pay this off.
Product: Money transfer, virtual currency, or money service

Coinbase withdrew money from me on XX/XX/2021 through means of ACH Fraud without my authorization. They were probably hacked on their end. I can not access my coinbase account to login and validate or verify any transaction history somehow. The amount taken without my authorization was {$2700.00} USD. I want my XXXX MONEY BACK NOW! I last logged into my coinbase account on XX/XX/XXXX and somehow money was transferred from my XXXX bank  account without my authorization into coinbase on XX/XX/2021. I of course am no longer able to access my coinbase account. I called your phone numbers to report fraud and can not get a human being and used your so called unlocking system to try to regain access to this account which has my personal bank information and am unsuccessful.
Product: Debt collection

Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from XXXX XXXX. I never gave XXXX XXXX permission to sell my personal information to any one. This is the XXXX letter from Firstsource in which they have not said how they retained my information from XXXX XXXX. They have also failed to show my signature, account information. only to send letters saying that i owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

U.S. DEPARTMENT OF EDUCATION XXXX {$3000.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3400.00} US DEPT OF ED/XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^
Product: Checking or savings account

Chase has permanently banned me from being able to open an account with them again. 
This came after the closure of my business account. My business account ( XXXX XXXX XXXX XXXX ) during the month of XX/XX/2020 received a check from unemployment with someone elses name on it in the amount of {$710.00}. I explained I do not know the individual. I did not touch the money. My account closed with over {$6000.00} in as the balance. My money was seized by Homeland security and sent to Asset Forfeiture. This came only after several attempts to prove that the funds in the account belonged to me. I was able to prove this by stepping into a branch with a branch manager at that time. I sent over my paystubs from unemployment which should have released the hold on my funds prior to them being seized for fraudulent suspicion. This was done in XXXX of XXXX. I put in multiple claims for my money and chase forwarded me to Homeland Security. I then reached out to Chase Executive Branch in XXXX where I had created 7different Claims over the same situation and how it impacted me negatively Not only taking my Money but also Denying me access to open me an account again with Chase which I needed to receive my checks. 

I would like to Be able to Open a account with chase again along with getting back my money they released to Homeland security after being able to verify that those funds were indeed legit and made out for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial one auto loan XX/XX/2020 in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Money transfer, virtual currency, or money service

This is related to CFPB complain - XXXX. 

Money is not deposited in receiving account. 

I demand to know telegraphic transfer copy ( XXXX XXXX ) or a XXXX in the standard format of electronic communication for transfer You can not close out the case simply writing money was delivered when there is no money in my account at destination. 

It is your job to prove money was delivered as instructed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX : Complaint Regarding Denial of Credit Report Access by XXXX and Equifax Dear CFPB, I am writing to formally file a complaint regarding the inability to obtain my credit report from both XXXX and Equifax, despite my repeated and legitimate attempts to access this critical information.

Background On several occasions, including XX/XX/2024, XX/XX/2024, and lastly XX/XX/2024, I attempted to request my free credit report as provided under the Fair Credit Reporting Act ( FCRA ). Unfortunately, both XXXX and Equifax denied my requests without providing a clear explanation or guidance on how to resolve the issue. 

Steps Taken I have taken the following actions in an effort to resolve this matter : XXXX. Verified all personal information provided ( name, Social Security number, current address, etc. ) was accurate. 


XXXX. Attempted to contact XXXX at ( XXXX ) XXXX and Equifax at ( XXXX ) XXXX to address the issue. 


XXXX. Attempted to provide proof of identity through [ online/mail/phone ] methods as requested by both bureaus. 


XXXX. Repeatedly submitted my request via [ online/mail/phone ] channels on XX/XX/2024, XX/XX/2024, and lastly XX/XX/2024. I also so tried going to XXXX and Equifax home page website and and both XXXX and Equifax denied me of my federal right to request and see my consumer report Despite these efforts, I have been denied access to my credit report without a valid explanation or resolution. 

Impact This denial has significantly impacted my ability to monitor my credit standing and take necessary actions to manage my financial health. As a consumer, I am entitled to one free credit report per year from each bureau, as well as additional reports under certain circumstances, as stated in the FCRA.

Requested Resolution I respectfully request that the CFPB investigate this matter and ensure that XXXX and Equifax provide me with access to my credit report. Additionally, I ask that the CFPB review the processes these bureaus use to handle consumer requests to ensure compliance with federal laws. 

Supporting Documents I have attached the following documents for your reference : XXXX. Copies of my correspondence with XXXX and Equifax. 


XXXX. Proof of identity government-issued social security card XXXX. Any additional evidence of my attempts to obtain my credit report. 



Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX