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

There are two accounts in dispute, both Capital One MasterCard accounts. On Sunday, XX/XX/XXXX @ approximately XXXX XXXX., I purchased merchandise/consumer good " Bitcoin '' in the amount of {$400.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One XXXX account " # 1 ''. Then, on Monday, XX/XX/XXXX @ approximately XXXX XXXX., I purchased merchandise/consumer good " Bitcoin '' in the amount of {$50.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account " # 1 ''. In addition, on Sunday, XX/XX/XXXX @ approximately XXXX XX/XX/XXXX., I also purchased merchandise/consumer good " Bitcoin '' in the amount of {$300.00} from XXXX XXXX, a company based in XXXX, XXXX, with my Capital One MasterCard account " # 2 ''. Bitcoin is a private, speculative non-cash " Cryptocurrency '' which I purchased for private investment purposes. It is no different than a purchase of any other merchandise item for investment purposes, i.e. : Classic Automobile, Antique Furniture, Famous Painting, etc., and it 's value is only based on variable individual human perception. Despite it 's description label of being a " currency '', it is NOT a traditional public currency as regulated, controlled, issued and recognized by established global Governments and their authorized, legal Banking institutions and Monetary Systems. ( Capital One itself does NOT even recognize or accept " Bitcoin '' as a legitimate legal currency! They will NOT accept " Bitcoin '' for payments, deposits, etc.! ) The dispute in question is not about the ( 3 ) above listed Capital One MasterCard charges - they are legitimate. It is regarding the fact that I have been charged " CASH ADVANCE '' fees for which I have received NO CASH! A CASH ADVANCE charge of {$12.00} on account " # 1 '', and a CASH ADVANCE charge of {$10.00} on account " # 2 ''. When I contacted Capital One directly by telephone on Tuesday, XX/XX/XXXX regarding these fees/charges, they stated that they would only " investigate '' the {$12.00} fee, but then adamantly refused to do anything about the {$10.00} fee. ( Interesting, is n't it?! ) They also refused to give any legal proof that " Bitcoin '' is in fact " cash '', neither could they tell me where I received this " cash ''. CASH, as defined by XXXX 's Law Dictionary, is : " Ready money ; whatever can be used as money without being converted into another form ; that which circulates as money, including bank-bills. XXXX v. XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX ; XXXX v. XXXX, XXXX XXXX. ( Va. ) XXXX ; XXXX v. XXXX, XXXX XXXX. ( N. Y. ) XXXX. '' As you can now CLEARLY see, " Bitcoin '' does NOT fit this legal definition whatsoever! These actions by Capital One obviously constitute both FRAUD and THEFT, and demand is hereby made that Capital One immediately withdraw these illegitimate " CASH ADVANCE '' charges without any further delay.
Product: Debt collection

I was XXXX  days late ( as of today, XX/XX/year> ) on XXXX student loans totaling {$50.00}. Starting on XX/XX/year>, they've called XXXX times- averaging XXXX per time. They've also called my co-signer XXXX a day on her cell phone and work phone- despite her asking them to not call her work phone. They've refused to remove the work phone number.
Product: Bank account or service

I tried to close my XXXX IRA at Bank of America 's XXXX XXXX and they told me it would cost {$75.00}. I currently have {$81.00} in the account. Please help.
Product: Checking or savings account

On Saturday XX/XX/19, I went into a Bank Of America branch location In Texas to open a Business checking and savings account. I have no complaints about the staff at the branch as they were polite and helpful. I provided all of my business documents for my company XXXX XXXX XXXX, XXXX and as well as personal identification needed to establish the accounts. The representative successfully opened my account and I made an initial deposit in cash which would be enough to not only cover the banks requirements but would be enough to also cover what I need to pay my upcoming bills which were due for my business which is a XXXX XXXX. 
All seemed to be going well until 2 days later on Monday morning I went to sign into my online banking and I was locked out. Thinking that this surely had to be a mistake, I called customer service where I was told that my accounts were being closed based on a business decision by Bank Of America. I asked was there something I had done wrong or a term of service that I had potentially violated only to receive no reasonable explanation as to why my account was being closed and my companys money was being held by Bank Of America to be mailed out in a cashiers check. None of the representatives would explain why my account was being closed. They would only give me vague answers about them not having access to specific reasons. I was told that their could be a number of reasons with the most common reason being that I may have a negative file in XXXX  which I ordered a copy of the consumer report and found absolutely no derogatory marks on my file. 
Being that I am an XXXX XXXX of an XXXX XXXX, this was disastrous as I am constantly making purchases whether fuel, hotels, tolls etc. This literally almost derailed my entire business. I spoke with one supervisor who told me very bluntly that Bank Of America reserves the right the terminate my account at any time they see fit without having to give a reason. 
This is unethical and predatory in nature for BofA to be able to do this to a consumer. Their was no justification as to why my account was closed and this sets a dangerous standard if a bank can close your account and not have to provide you with details as to why this was done. This leaves room for discrimination and profiling and being that my XXXX  report had no derogatory marks on it, What then could a Bank use to profile me as a bad candidate to be a member of this bank. If Bank of America can close your account at any time they feel convenient then it is imperative that the consumer be made aware of this at the time he/she is opening their account. The representative should be mandated to disclose this info and because I was not made aware of that fine print, I sustained financial damages to my business caused by Bank Of America.
Product: Student loan

Have been paying on private student loans prior to completion of terminal degree ( XXXX ). Recently in XX/XX/XXXX, private loans went into default, while enrolled in payment program. Have been paying {$250.00} per month since XXXX at least and not clear as to how loans went into default. Was informed needed to put all loans in at different times due to how they were taken out. Then was informed they were in default due to payment amounts not being sufficient, when they ( Navient ) were the servicers who enrolled me in the program with the acceptable rate/charge. Now 3 out of 5 of my private student loans are in default and there is nothing I feel I can do, especially since I am still paying $ XXXX month, plus my co-borrower is also paying a fee and has been for the past year at least. I have sent in letters and statements ; spoke to supervisors and numerous representatives. I receive phone calls at least 1 time per hour between the times of XXXX and XXXX CST. I am unsure of what to do. I do not have much on my credit report besides student loans, a car loan and 1 credit card ( with low balance of XXXX ). Not sure what else to do or where to go for support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I CALLED. AND ASKED THESE COMPANIES FOR A 1099 C And was told they cant provide me with this form This violates 15 USC 1681 ( e ) ( b ) cancellation of dept and making sure I have a 100 % accurate consumer file FCRA states all consumer report information must be 100 % accurate the accounts below are charged off account and not following consumer law Transunion has allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be seeking {$1000.00} per violations on each account
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, a fraudulent charge of {$39.00} appeared from the company XXXX. I have never had any business with this company and other individuals online have reported this same issue of unauthorized charges from this company appearing when they have never purchased anything. I tried calling this company but there is no real consumer service, just a recording where you are disconnected. The card issuer seems to be in this scheme with them as for both disputes, I was told I was responsible for the charges. I have also had this card replaced, reporting it stolen. I contacted agents twice at the card issuer and was told it would be handled but clearly they lied to me. When did American Express become an enabler of credit card fraud? They treat their loyal customers as the criminals, not scam merchants with a long online history of engaging in this fraud.
Product: Credit card or prepaid card

I was locked out of my Way2go account. This is a company under CONDUENT. They informed to call customer service. I called and they gave me the procedure to follow. I emailed them all the verification documents they needed. They still are withholdimg my access with no further justification. I come to find out they are rated F w/ the 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX 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 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: Mortgage

URGENT!!! NEED HELP ASAP!!! ( Supposed to close loan on XX/XX/XXXX ) I 'm more than happy to provide more information upon request. When I purchased my home, I financed with XXXX. That loan was sold to XXXX XXXX XXXX, where I had a few loan modifications over the years. The loan was then sold to Carrington mortgage services. Carrington is now saying I owe $ XXXX more than what I actually owe, and they will not provide documentation or research the issue in a timely manner. I am aware that I owe the deferred amount from the loan modifications on my loan, however they are saying I owe the modification pay-off twice over. We are supposed to close on the house sale on XX/XX/XXXX. We have been trying to get this resolved for nearly 4 weeks, with absolutely zero response. We have been asked to contact Carrington 's  research department via Fax, but are also getting no response. I am desperate for an answer by XX/XX/XXXX.
Product: Mortgage

In XXXX XXXX my mortgage company was sold to Mr. Cooper. Before it was, I had an agreement with my company that as long as I was making the payment every month, they would not penalize me for an owed amount from the past. I filed bankruptcy two years ago and wanted to keep my house. I owed {$8000.00} and they agreed to keep it to the end of the loan. When Mr. Cooper took over the loan, they put it on the front of the loan and considered me more than a year overdue. When I asked them for a modification, XX/XX/XXXX, they told me I did not need to give them any information. About a month later, they denied me say they could not adjust the interest or principle. The funny thing is they never asked me for anything, but sent me a letter saying they got the " borrower response package '' I sent them. Next I tried to refinance, but no other company will refinance me because Mr. Cooper says I am a year behind. I tried to refinance with Mr. Cooper. I called and emailed at the beginning of XXXX. I received information that someone would be contacting me soon. I never heard from anyone even though I tried again to contact someone. Last week, I received a letter from a legal company saying I owe the full overdue amount and the full mortgage amount. Basically, this appears to be a foreclosure letter. My husband called Mr. Cooper today, they told him they would have someone call me about refinancing, " again '', and that most likely they won't because now we are over {$8000.00} behind. It almost feels like all of this was planned from the beginning. Like they have wanted to take my house from the start. They are crooked and a bunch of fraudulent people. Nothing they have promoted to me has happened and nothing they promised has happened. I was told the phone number I had was my loan specialists, but it is just a main operator phone number. My so called loan specialists never answers the phone. I was also promised that they would do everything they could to help, they have done nothing but said no from the start. I am going to lose my house, have no place to live or for my grandchildren to live, and it is all because of one crooked mortgage company.
Product: Debt collection

I first discovered this collection on my credit report in XX/XX/XXXX. The collection agency, National Credit Systems, says they sent a collection letter which I never received. Their records show I owe {$2200.00} to an apartment I move out of in XXXX of XXXX. It also show this was a joint account, which is not correct. All my rents were paid on time and I gave notice before I moved out. 
When I discovered this on my credit report, I disputed the data online with them. After their investigation, they told me the data was accurate, which I knew was not true. 
On XX/XX/XXXX, I sent a debt verification letter to the collection agency. They have failed to respond to that or my phone calls.
Product: Credit card

On XXXX XXXX at XXXX I ordered a toaster online at walmart.com for free same day pick up at a Walmart store and charged it to my Walmart Mastercard. I watched my account throughout the day to know when it would be ready for pickup at the store. After waiting all day, I canceled the online order, after also calling walmart.com three times and calling the store where the toaster was supposed to be ready for pickup the same day. Walmart.com cs agents tried to tell me they could n't hear me and something was wrong with my phone. Nothing was wrong with my phone because I talked to others on my phone the same day and we had no problems.Walmart.com cs agents " XXXX '', " XXXX '', and " XXXX '' could not answer my questions or solve the problem of WHEN or if the toaster would be ready to pick up. The Walmart store I called transferred me and put me on hold XXXX or 5 times and nobody ever did pick up the phone in customer service so I could n't find out if the item was ready for SAME DAY pick up so I cancelled the order online in my Walmart account on XXXX XXXX, 2016 around XXXX. I also called my Walmart Master card account at XXXX on XXXX XXXX, 2016 and spoke to someone named " XXXX '' and told him the {$16.00} charge for the toaster I never picked up should be removed from my Mastercard. Today I checked my Walmart mastercard balance and transaction history and there is still a {$16.00} charge on it -- apparently for the toaster -- which I never picked up because it was n't available for same day pick up as promised by Walmart. I called my walmart credit card again today and got the runaround by the cs agent. I then asked to speak to a supervisor and was placed on hold. She came back after awhile, asked, " Are you still there? '' " yes I am, '' said I. She said it will be XXXX or XXXX more minutes. I waited, then hung up because my only phone is a prepaid cell phone with 250 minutes per month, and I 'm wasting those precious minutes and my time on these kind of phone calls. Walmart mastercard knows this as I have told them, so apparently putting me on lengthy holds assures them I will have to give up and hang up.
Product: Credit reporting or other personal consumer reports

I requested my credit report to be frozen and a copy of my report back in XX/XX/year>. I also provided a copy of my Driver 's License and Social Security number. I get two letters back one stating my credit report is frozen and the other one with mt credit report of information that they had was reporting from the company. I sent in a dispute letter about the incorrect information on the correct report. I get a letter back stating that the information is mines after i sent them my Driver 's License and Social Security number and the information does not match of what they are reporting on me. I also tried to reach them by phone to discuss this matter with them to get it handle and they inform me that they will not be removing any information that it shows proof that it is mines and belong to me. I am will also be seeking a lawyer to help with this information to be removed, because they are reporting incorrect information after being provided with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account ( XXXX ) from XXXX XXXX XXXX on my credit file that do not belong to me. After reaching out to this collection agency they have failed to verify this account. XXXX XXXX XXXX subsequently has agreed to remove all information regarding this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

are results of identity theft. These items are not related to any transaction completed by me. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.
Product: Debt collection

I did not receive notification that my account would be sent to a collections agency. I never received an XXXX XXXX card. I am willing to pay for the purchases, debt collection is unacceptable because I was not notified it would happen. I have notified the Vice President XXXX XXXX of XXXX XXXX. I will notify XXXX XXXX Chief Executive Officer of GE money if the situation persists. I am a XXXX XXXX trying to build credit. I want this dispute removed from my credit history.
Product: Credit card

I have been with Capital One since XXXX of 2016 and i have had to go thru the XXXX just for them to increase my credit limit this month and they still have not reported to any of the credit bureaus like they are supposed to be doing an that is a breach of there terms and Agreements because they lied and i want them to report asap.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam.
Product: Credit card

Examine the attached documents. I want the bureau to initiate an investigation on these accounts where I am never late, but they are incorrectly reporting me as late.
Product: Debt collection

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against XXXX XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXXXXXX  are reporting incorrectly the XXXX XXXX  partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX XXXX on XXXX reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.