23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card with Bank of America that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my money.
Product: Debt collection

I am not liable for this debt with LVNV FUNDING LLC, C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said LVNV funding LLC keep saying is accurate and they won't provide them with any verification.
Product: Credit card or prepaid card

On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 ) XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. 
As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they  notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. 
CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account SAIF ID # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.
Product: Debt collection

XXXX XXXX XXXX XXXX is stating that i visited the ER and are trying to charge me {$540.00} for a visit in 2014. I have not visited any ER in the last 13 years and have had medical insurance for the last 6-7 years. There is no way that i would have been charged for this visit any amount other than my copay if anything. But i did not visit any ER in the last 13 years.
Product: Debt collection

After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # XXXX 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 of 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

These account listed below has violated my federally protected consumer rights 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Account : XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Product: Debt collection

I was told this debt was paid and considered closed. 

It may be under my old name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XX/XX/XXXXaccount was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXXXX/XX/XXXX placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for {$580.00}. 

I have attached a copy of my most recent report highlighting these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is making me keep a 6 month contract with them for {$120.00} a month but they are only disputing one thing. For example, this month they only disputed XXXX. Also, I was laid off and can not afford the service so instead of them letting me stop using them, I have to pay them {$240.00} in XXXX. I believe I should pay only for service they are providing. I paid for XXXX which they did services for but I no longer want there service and they haven't done any service since XXXX when I paid them. 

Also, I was mislead because I signed up for who I thought was a XXXX " XXXX '' XXXX XXXX XXXX but turns out he is not actually doing the repair but Sterling Credit Group is. So I was mislead because I thought the XXXX XXXX  would be doing my credit. The XXXX advertised his credit repair on his channel through his website XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I  XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for Non Owner Occupied Loan Modification program with Bank of America in XXXX and after Trial Period of three months XXXX, XXXX and XXXX our loan modification was approved. 
Few months later we found out that Bank of America reported our payments for three months trial period as late to all credit bureaus, which as a serious delinquency caused our credit scores to go down 60 points. 
We made our payments on time before and during modification period. Please see attached history of payments. During trial period we were asked to pay different amount instead of our existing monthly home equity payment. Please see attached BofA letter from XXXX XXXX, XXXX and FAQ. 
According to BofA letter from XXXX XXXX, XXXX " During the trial period loans that were up to date at the start of the trial period will continue to be reported as up to date as long as customers make trial periods on time. " Please see attached. 
Since we were current with our payments before and during trial period BofA had no right to report us being late and ruin our credit. We ask BofA to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX MI XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : EXPERIAN : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax XXXX The account in question is managed by XXXX XXXX ( Account # XXXX ). I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as my records show I have been enrolled in autopay for this account since its inception. 
XXXX : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
Equifax : Reports late payments for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
Discrepancies Across Bureaus : Date Opened : Discrepancies between XXXX ( XX/XX/XXXX ) and XXXXEquifax XXXX XX/XX/XXXX ). 
Payment Status : Differing statuses for the same period. XXXX 's report of " Late 180 Days '' conflicts with XXXX and Equifax 's " Late 120 Days. '' Last Reported Date : XXXX and XXXX show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Date Last Active : Significant inconsistency between bureaus, with XXXX showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and Equifax showing XX/XX/XXXX. 
Date of Last Payment : XXXX and XXXX list XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 
Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : Sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 require credit reporting agencies and furnishers to ensure accurate information. These inconsistencies represent a clear violation.

Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit terms and payment information, which has not been upheld here. 
Requested Resolution : I kindly request that Equifax conduct a thorough investigation into this matter and : Remove the inaccurate late payments from my credit report. 
Correct the discrepancies in dates and payment history. 
Update the payment history to reflect my consistent on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : Payment records demonstrating on-time payments.

Screenshot of current credit report entries highlighting discrepancies ( attached for reference ). 
Supporting documents related to autopay enrollment. 
Thank you for your prompt attention to this matter. I look forward to a resolution soon. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX Provided complaint to Barclay 's Bank with full documentation, multiple photos and video over merchandise received from XXXX on XX/XX/XXXX that was heavily damaged and had missing parts for a credit on my account. A complaint was filed because XXXX used only chat-bots with poor/non-existent customer service to try and repeatedly offer acceptance of a discount on the damaged merchandise that was not usable, and refused to make arrangements for the return of the damaged merchandise at their expense. Barclay 's acknowledged receiving the complaint on XX/XX/XXXX in a letter. They then sent a letter dated XX/XX/XXXX that they CLOSED the dispute alleging that the " Attempted to contact '' me " on XX/XX/XXXX and on XX/XX/XXXX '', and because they " haven't received a response '', they closed the dispute case. No such communication, whatever it may have been, was ever received. If it was a phone call, no message was left. I called them and spoke with a rep ' who advised me that the case should not have been closed and asked it be re-opened as there was ample evidence there to resolve the dispute in my favor. He also had me fax a letter asking the case be reopened on XX/XX/XXXX. I then received a letter from Barclay 's dated XX/XX/XXXX that they were " not able to assist '' with obtaining a credit due to " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '', and that they " were not provided with sufficient proof that the merchant has agreed to refund the account ''. Another call to Barclay 's on XX/XX/XXXX, a rep ' looked at the case and stated he could not understand why the case was not resolved based on the evidence he could see that was provided and stated he was going to escalate the case. Nothing was heard from Barclay 's. Another call was made by me to Barclay 's again on XX/XX/XXXX. I was told the case was closed and that I would have to fax over yet another letter with all the documentation that I had previously sent asking that the case be re-opened. Clearly, Barclay 's is not representing the best interests of their customers by not supporting us with with well-documented disputes.
Product: Debt collection

XX/XX/2019 $XXXXI tried to talk to the collections company and ask them to prove I owe the bill , I've spoken with their client who has told me a XXXX year old child sign for services
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year American credit Acceptance sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. Experian, XXXX and XXXX have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.
Product: Debt collection

XXXX XXXX XXXX XXXX phone XXXX Fax XXXX This people froze my XXXX XXXX acount for XXXX dollars that it was for my rent, and are asking for my bank information to take money out of my account for a credit card with Victoria Secret that is from 8 years almost nine years ago, they got, I tried to see if I can talk to them and I was told to fill out some paperwork and when I saw it it was they asking for my bank information my car information etc, I am not feeling comfortable with this and besides that credit is so old now it should be out of my record, please help, I need advice about how to handle this situation, thanks, my number is XXXX email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked XXXX, XXXX, and Equifax to reinvestigate the following account. XXXX XXXX XXXX - Account # XXXX. However, they stated that everything was completed and accurate. How is that possible if the status of the account is reporting Account Charged Off/Never Late, with {$1700.00} written off and {$1800.00} past due is incorrect? In addition, reporting the account late monthly on a Charged Off Account. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : States a Consumer Reporting Agency can not furnish a without written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( a ) ( 1 ) : States a person shall not furnish any information relating to consumer to any Consumer Reporting Agency if the person knows and/or has reasonable cause to believe that the information is inaccurate.