23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I called a bank of america representative-stationed in the aurora, Illinois office, and requested a home equity loan. While on our phone conversation he determined I was approved for a XXXX home equity loan. I was advised to return his call to provide all my credit card information to be paid off and I did so. He then gave me an exact amount of money I would be receiving after some of my debt was paid off. He also told me to wait for an incoming packet to be sent so that my wife and I could sign them or bring them to his office. I received the packet on XXXX/XXXX/2016 and my wife and I signed the packet. However, I decided to call the main branch number that was located in the packet and spoke with a supervisor who told me we were in fact, not approved for the loan. The supervisor stated the agent-XXXX XXXX gave me the wrong calculations when he approved my loan verbally over the phone. I was devastated, because I was holding a packet that said I was approved. A supervisor I spoke with stated the agent in the XXXX, Il branch gave me the wrong information and therefore should have never approved my home equity loan. He told me the loan was secured. He knowingly gave me false information in order to sell his product. He literally stated to me that my loan was approved and that 's why I gave him all my information including social information to check my credit scores. He misled me during the entire loan process. I also purchased an {$800.00} dollar phone on XXXX/XXXX/16 knowing that several of my credit cards would be paid off and I would have additional monies from the bank of america. I have a contract that shows the cell phone was bought on the above date. I also did call the bank on XX/XX/2016-XX/XX/2016 and spoke with a supervisor ( female ) who was not receptive to my situation and stated she would talk to the agent who approved my home equity loan.
Product: Credit card

I extended a line of credit as the natural person for {$1000.00} With the company AVANT CREDIT all payments have been accepted for value and charged off the company disregarded all proceedings along with a signed affidavit then took action which led to the closing of my account this is a BIG UCC VIOLATION OF MY CONSUMER RIGHTS!! Also this company withheld vital information on how to use the account which is fraud theve been charging me cash payments causing me to pay double i have made numerous attempts to contact the company and still no response therefore I will be force to take legal action if this company does not act IMMEDIATELY!!!
Product: Credit card or prepaid card

My XXXX XXXX Visa, issued by Bank of America, was taken an fraudulently used. 

In the months : 1. XX/XX/2020 15 Unauthorized charges totaling {$420.00} were made 2. XX/XX/2020 15 Unauthorized charges totaling {$1700.00} were made Total Fraud Charges = {$2200.00} I have filed multiple police reports w/the XXXX XXXX County Sherriffs Department. 
XXXX XXXX County Sheriffs Department Detectives have investigated the theft. 
And Ive submitted their police reports to Bank of America as advised to me by the detective. 

I have a suspect of a person who took the card and was using it, whom the police have investigated. 
The person has since fled the state and the police have informed me that since this is a small scale grand theft they can not pursue the person into the other state. 

The investigator at Bank of America told me in one of my many phone calls with them he has no respect for the police. 
Further, he verbally told me on the call he does not care what a police officer says, he will not accept the police report. 
He is clearly biased in this case. 

I have called multiple departments and Bank of America and no one else has been able to resolve this. 
Apparently their entire company relies upon this one biased investigator sitting in some back office in Tennessee. 
They have told me no one else in the entire company can can help. 

Bank of America sent me a letter stating they refuse to honor their no fraud guarantee. 
They are telling me that I must pay for the charges on my stolen card created by the thief. 

They have told me that since the card was used in person, and since the thief signed the receipts I am liable. 
This is completely ludicrous and is not only completely unethical, it defies any reasonable common sense since obviously a thief would use the card in person and scribble a signature when needed. 

I would expect Bank of America to promptly reverse the charges to my account and not make me beholden the whims of thish one person who holds a grudge against police officers. 

Shame on Bank of America. 

Attached are copies of the original police report. 
Also attached are copies of two hotel bills charged to me in which you can see the person whos name on the bill is not even my own, yet BoFA is holding me liable for these fraudulent charges. 

Additionally attached is an XXXX spreadsheet w/the all the fraudulent charges highlighted in yellow and itemized for both months.
Product: Money transfer, virtual currency, or money service

Mysteriously charged {$29.00} monthly by Coinbase after I attempted to close my account. Coinbase is withdrawing {$29.00} from my checking account monthly on the XXXX and I am not sure why? I have contacted XXXX XXXX about these mysterious charges as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 someone gained access to my trading account and transferred {$2500.00} from my bank account to the trading account. Then they purchased {$2500.00} of XXXX 

Then they tried to transfer another {$2500.00} to the XXXX account, but I had locked my bank account. Coinbase however, also assumed the XXXX transfer was legit, and allowed the account to purchase another {$2500.00} of crypto. 

After the 1st transfer and before the 2nd, I figured out that the money in Coinbase was from a transfer from my checking account. Initially I didn't know that there was a fraudulent transfer and purchase of XXXX 

My bank didn't notify me of unusual activity, and my email account was also compromised, and a filter had been setup where all the notifications from Coinbase were diverted to trash automatically before I saw them. 

It had been a long time since I used the trading account, and just assumed that I had left open trades. I sold the crypto, and tried to transfer the money back to my account. 

At some point during this process I informed Coinbase of the fraudulent activity and froze the account. 

After I tried to transfer my money back to my account, coinbase informed me that I had to wait XXXX hours before transferring the money. No problem. At this time I assumed the ordeal was over, and the money stolen from my account, which I needed to pay bills at the end of the month would be back in my account for me to pay the things I needed to. 

Then I received a notification that I would need to wait a week. 

Then I received a notification that in order to unfreeze my account I had to prove my identity to coinbase. I went through the process. I emailed my drivers license, and completed the identity process. 

I assumed all was still OK, and that I would have the money back to pay the bills I needed at the end of the month. 

Then coinbase informed me I would have to wait 30 days to get my money. I called them to explain that I needed the money to pay my bills at the end of the month, and was then informed that I would need to wait 60 days before I could get my money. 

The explanation given was that I had to wait 60 days because they couldn't be sure that I was who I said I was, and that they were afraid of more fraudulent activity. 

This is not a valid reason to hold my money. I have already proved my identity, and nothing will change in the next 60 days. It seems to be some arbitrary hold to punish me. I will not be able to prove my identity any further no matter how long we wait. 

Now the end of this month is coming, and I need this money to pay my bills. 

The email address used for the coinbase account is XXXX I want to get my money out of the coinbase account, transfer it back to my checking account and close the coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Debt collection

I have been damaged and I don't know what else to do to get a fair solution to this issue. I want to complain about The Best Service Company 's actions, which are unfair and negligent. They are violating the CCRA. My credit score has dropped month by month and now I am not able to obtain a mortgage. 

The Best Service Company is re-aging the account and this is causing me a huge problem. Also, I tried to solve this issue by phone and they haven't even mark the account as " under investigation '' or " disputed ''. 

The account involved is the following : The best Service Company, account # XXXX, original amount : {$480.00}, original creditor : XXXX XXXX XXXX XXXX. 

I am asking to get the item removed from all credit reports, as a compensation for all I've been through and all the damages that I have suffered. I am not asking for money, I am not asking for anything but the removal of this item. I don't want to have any contact with this company at all. 

Please send the attachment to the company. 
Thank you.
Product: Student loan

I got a copy of my credit report on the credit report it shows Ed financial XXXX Tennessee open on XX/XX/year> {$2000.00} and then another one on there from the same company same date with a high balance of {$1100.00} I never had a nor have I gone to XXXX and I would like something done about this
Product: Checking or savings account

On XX/XX/2019, I made a cash deposit, in the amount of {$5000.00}, inside the Chase Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX with the only bank teller that was on duty at the time. I deposited the {$5000.00} cash into my checking account. I live in Florida but was in Texas on vacation. When I returned home to Florida, I realized the {$5000.00} deposit did not reflect in my checking account. I immediately contacted Chase Bank and they were not able to find any record of my deposit! They did their own internal investigation which uncovered nothing. I filed a police report with the local police department in Texas ( XXXX County Sheriff ). The police investigation came to an impasse when they subpoenaed the surveillance video from Chase Bank and Chase Bank said they did not have any video to produce. Now, the investigation is going to be closed because they could not get the video or any other evidence from Chase. I am so frustrated because my cash deposit was lost and there is no record of it. This has been so hard on me and my family. Any help with this would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I wanted to raise funds in order to visit my grandparents who are in XXXX. for this reason I did create a paypal fundraiser but as soon as I did receive money paypal did block my account. 
the link to my fundraiser XXXX XXXX XXXXXXXX paypal support claimed that the funds will be available after 180 days without giving any reason why I must wait so long. 
however now the time has passed and I can not access my funds. I believe paypal did scam me for the amount of {$3800.00} please help me recover my funds. this is unacceptable!
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX SST, formerly XXXX ; my account # : XXXX Originally, I agreed to a personal ( unsecured ) loan for {$4000.00}, online. I was approved ; ( I need it for an tooth implant ). However, they let me only access {$2000.00} of it and say that I have the rest in a 'savings ' account ( theirs, not mine! ). But I object to having to pay back the interest on the whole {$4000.00}, even though i haven't received it Yet. 

The balance I owe is {$2700.00}. If I understand correctly, When that is paid back I will have access to the {$2000.00}. 
I would like clarification that if I pay back the total ( which goes up each month ) that I will not have to pay any interest on the savings of what is now {$2000.00} ) It's very confusing to me.. 

why would the " savings '' be accruing interest? IT IS NOT A SAVINGS ACCOUT, I NEVER AGREED TO THAT, it's just the balance due of {$2000.00} from the original {$4000.00}. 

The won't tell me the interest rate. 

Thank you
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>, XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. They stole thousands of dollars
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the wrong dates on my credit report causing me a huge issue costing me alot of money date of last payment should be XX/XX/XXXX they have on my credit report the date they bought the account as XX/XX/XXXX which is against the law. 
also need account info everthing is wrong on the credit report can not do any research using this wrong information on my credit report which is also against the law
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive got a copy of my credit report and these addresses below, are inaccurate. Ive tried to get these addresses updated or removed from my report for months, but it seems like that, theres no way I could get that done ; due to the fact that, agents wouldnt take my word for it. Id like these addresses to be removed immediately, I have the right to privacy and accurate report.

Once you have deleted inaccurate addresses from my report, please send me a copy of my updated report.

I am filling this consumer complaint and consumer check for compliance of these particular items that are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state ID and a bill to validate my identity. 

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

I have disputed the amount of {$100.00} shown as due. This amount I do not owe to XXXX XXXX. XXXX XXXX charged the amount for the services I have never used and reported to credit agencies as this amount as due. I have disputed this twice with Experian. But the issue remain un-resolved and amount is still showing as due from me. 
Can you please help to get this incorrect amount charged by XXXX removed from the credit records? 

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX* Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 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 card or prepaid card

I lost and reordered my payroll card with skylight netspend XXXX. The card was supposed to come by the XX/XX/XXXX and i never received it amd im not able to get in touch with customer service. I was forced to pay hundreds of dollars of fees send myself westsrn union in order to access my money.
Product: Mortgage

XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.
Product: Checking or savings account

Funds were withdrawn my checking account from an unauthorized user in XXXX Texas. I live In Georgia. I was in Georgia at the time that I became aware of the charges that were made in XXXX Texas. I had no knowledge of these charges and have lost XXXX dollars of my hard earned money because of bank fraud. This dollar amount is protected under the fdic for my safety soundness and protection. I fully expect Bank of America to replace my stolen funds. In effort to protect me Bank of America should have closed the account and replace my stolen funds. My claim number XXXX. The phone number is XXXX. 
My phone number is XXXX please assist with recovering my funds