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

I received a notification about suspicious activities on my account. There were two transactions, one on XX/XX/XXXX for {$2.00} and one on XX/XX/XXXX for {$540.00}. I immediately notified the bank that I didn't make those purchases, locked my card, and requested a new one. 

Bank of America refused to refund the fraudulent charges twice. I've since filed a police report and notified the bank again. I have not heard back from them.
Product: Credit reporting

XXXX Revolving charge account # XXXX When I ran into some financial difficulties and got behind on my payments for several months XX/XX/2012 I was contacted by XXXX XXXX and we entered into an arrangements for me to pay my balance in full within 3 or 4 months. I fulfilled that agreement which was paid in full by XX/XX/2012. They are indicating a charge off status ( C/O ) to this date on credit history which it never was as you can see it was paid in full. XXXX needs to correct this error and remove the charge off indicators and stop the continued reporting of a charge off that means they took a loss on this charge account which is not true and is damaging to my credit rating to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happens to my credit score? Why its too low? Where did you get these accounts I didnt apply for anything! I dont even understand why you put it on my account. I think someone used my personal information and applied for this
Product: Debt collection

The debt has been paid and the company continues to report a balance on my credit report.
Product: Credit card

I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.
Product: Checking or savings account

BMO Harris Bank was opening internet accounts in California. I signed up for their Platinum Money Market account and made a {$25000.00} deposit via external transfer. I subsequently made several more external transfer deposits of {$5000.00} each and recently another external transfer deposit of {$15000.00} and never had a problem with deposit transfers. 

Recently I wanted to get {$50000.00} of my money out to make a down payment on a house, and the online site would only allow me to make {$5000.00} daily withdrawals. So I set up a string of daily external transfers of {$5000.00} in late XXXX. It stopped me after five transfers and said I had met my monthly limit, so I set up 5 more for this month and the on line system accepted them and then when I went back as the transfers were not coming through, I found that the transfers had been cancelled for some unknown reason. 

I called customer service, spoke to 4 different people over the course of 1hr and 40 minutes and never got past a supervisor level person, XXXX. I got a lot of conflicting details, but no resolution. I requested to speak to a bank officer as I believe that BMO Harris is not in compliance with FDIC and FTC rules and was denied the opportunity to speak with anyone above a supervisor. 

This BMO Harris Bank needs to be disciplined by the CFPB or FDIC for unfair banking practices.
Product: Money transfer, virtual currency, or money service

I have a coinbase account that I have been trying to log into for the past 2 months. Coinbase 's website does not work properly, and just a glance at their reddit page will show you the problems many are facing. I am trying to change my phone number from my old account to my new phone number, however their website does not let me complete the verification process. I have tried on many different computers, and on different platforms all with no result. I have sent multiple emails and even attempted calling them. The only feedback I got was someone on a reddit page claiming to work for the company, they asked me to submit an image of my issue, and then nothing else happened. They basically have zero customer service. I 'm worried about money I might have in that account that I can not access.
Product: Debt collection

The attorney placed a lien against me in error. They acknowledged that they did this in error after assuming that I was married to the other party involved that they could legally attach the lien to. They told me via telephone and email that even though the debit is not valid, instead of paying them {$2000.00} for the debt I do not owe, I would need to " voluntarily '' give them {$2000.00} for them to remove the lien that they placed against me in error. They also advised me to contact a title company with full knowledge that they were the ones who placed the lien and the title company had nothing to do with it. All of their phone calls are recording per their automated system, so they should be able to verify this information as well.
Product: Money transfer, virtual currency, or money service

XXXX from Chase Bank didn't flag the user and instead let me complete my payment to a scammer and money was instantly debited. 

XX/XX/year> to mikesneaker XXXX user worth {$570.00}
Product: Debt collection

a collection agency placed something on my credit report for the sole purpose of using it to collect money. This is an abusive tactic that should be stopped! I was told by Fair Collections and Out it was placed on my credit report to them collect the money. At no point in time did they, or the original credit ever place all the positive payments on the credit, they did not make an appearance until they decided to weaponize the credit report. 
It is misleading to other creditors who only see a charge off, and never say the 2 years of perfect payments before that. If they want to report the negative, they should be required to report the positive as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in several requests to the credit bureaus Equifax, XXXX and XXXX and requested that they remove inaccurate information from my reports. They have not verified what they are reporting per my request and rights under the FCRA, nor have they made the changes requested. I have enclosed proof of my previous correspondence and letters from the courts that state they do NOT report any information to the credit bureaus which is contradictory of what I am being told by all three bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported without my authorization, and I request their immediate removal from my credit report. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX  can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Im disputing this collection because it shows on my XXXX, XXXX, that the debt of Amsher collections service doesnt exist but it shows on my XXXX thats is a debt of mines. It also show that on XXXX my birthday is wrong and XXXX addresses as well
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX  Balance Owed : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$440.00}
Product: Debt collection

Did not receive notice of right dispute, i dont know what this debt is for
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX ( Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.
Product: Credit reporting or other personal consumer reports

I've been grappling with Equifax for well over a year concerning my XXXX XXXX XXXX, and it feels like I'm stuck in a never-ending cycle. Despite providing Equifax with numerous documents confirming my XXXX XXXX, they continue to reject them, even though these documents meet the criteria under the debt bondage act. Other credit agencies like XXXX and XXXX have accepted these documents without issue. Equifax, however, seems to have its own set of rules when it comes to verifying certain documents, which adds to the frustration. 

Each time I have to engage in this dispute process with Equifax, it dredges up painful memories that I'd rather not relive. It's traumatizing, embarrassing, and deeply hurtful to constantly revisit these experiences. Equifax treats this dispute like any other, despite the sensitive nature of the situation. Whenever I call, hoping to speak to someone who can help, I'm informed that the department handling these disputes is outsourced to a legal team. This outsourcing not only complicates the process but also raises questions about Equifax 's commitment to assisting XXXX XXXX XXXX. 

I've exhausted every option available to me and my caseworker to resolve this, but Equifax seems uninterested in cooperating. The emotional toll of constantly having to prove my XXXX  is immense. Equifax 's lack of transparency regarding their document review process adds to the frustration. Why do other credit agencies accept the same documents that Equifax rejects? It's a question that remains unanswered, as Equifax 's customer service offers nothing more than scripted responses that do little to address the issue at hand. 

In essence, navigating this ordeal with Equifax has been a distressing experience. The company 's reluctance to accept valid documentation and their opaque dispute process only compound the challenges faced by XXXX XXXX XXXX like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

four fraud and inaccurate car loans are reporting under my equifax credit file. 
i have disputed these several times i have even called the creditors but so far no results, i am very much stressed out and very much upset, please i researched and found out that o could complain about this situation, you are my last hope, i need to have these inaccurate and fraud accounts removed from equifax credit file. 
i will be attached my police report and the FTC report which has all the accounts reporting on my equifax credit on the FTC. 
help me to resolve this issue,
Product: Money transfer, virtual currency, or money service

Good day, My problem is with COINBASE. I will provide evidence of purchase and communication which has not been responded to so I have no other mean of reporting the problem but to you. 

Some time ago I purchased few LiteCoins ( LTC ) with coinbase. Just recently I decided to cash out my LTC and what happened is that the money were not credited to my account. 
I attempted to contact COINBASE by PHONE and EMAIL ( SUPPORT ). I received 0 responses to my needs and I really would like to see if you can help me out here.
Product: Credit reporting or other personal consumer reports

The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im en
titled to XXXX dollars per violation and clearly they violated my rights. 

I demand these companies to delete these accounts from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, and 15 USC 1666b I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information. 

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

Under federal law, you have thirty 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen 15 days of the completion of your re-investigation.
Product: Credit reporting

I attempted to review copies of my annual report from the XXXX credit report agencies through AnnualCreditReport.com and each offered different convenient reasons why they would not deliver the reports
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX, XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my Expieran report the company name is XXXX, XXXX XXXX, XXXX XXXX 

Also, I 've called and sent XXXXx a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.