23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello, I was using a cash app to purchase stocks and boosted my account up to {$500.00}. I sold some stocks that I no longer wanted and suddenly my account was closed. My money is still on their app and they closed my account with no warning.
Product: Credit reporting

I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I got a text message from Bank of America saying that an Inmate is deducting money out of my account. I went online and saw that money had been deducted from my account. I immediately contacted the number that was texted to me. The Bank of America agent had me go through a series of steps to revise the money that was deducted from my account, and move money from one account to another. That way, my accounts were cleared from getting accessed again. I was reassured that the money would be redistributed back into those accounts. After I completed all the steps that the agent instructed me to do, I started to realize, this may not be a Bank of America agent. I immediately hung up the phone, called Bank of America and filed a scam claim. I was reassured that even if they couldn't recover my money immediately, that I would get it back after they do their investigation and contact the bank that got my money. 
I called Bank of America every couple weeks to get an update on the status of the investigation. I was told by every agent that it was looking good because the bank ( XXXXXXXX XXXX ) hasn't been able to recover the funds, which means it's seen as a fraud and I'll get my money back in 90 day or up to 6 month. 
I got a letter in the mail ( dated on XX/XX/XXXX ) that my claim was denied. I spoke with two Bank of America XXXX ( XXXX XXXX XXXX XXXX  and XXXX ID # XXXX ) that the reason I am not getting my money back is because XXXXXXXX XXXXk won't give them the money back. 
How can I dispute this closure of my claim? 
The scammers has access to my bank account even before they contacted me. I was scammed out of my money because the scammers pretended to be Bank of America agents. 

I have asked Bank of America to provide documented communication between me and the agents over the course of the claim, and I was told they would not provide the documented communications. Is that legal?
Product: Vehicle loan or lease

I was hospitalized in XX/XX/XXXX causing my to lose income for over a month. I received an email from Capital One saying I could defer 2 payments to the end of my loan. When I called to do this, I was told that I was not able to, and because I can not pay by checks that I could not get on a payment arrangement. I then filed a complaint with CFPB and waited for information from XXXX at Capital one, meanwhile while waiting for someone to help me, I was reported to credit reports and given an answer that didn't make any sense. I was told that I deferred a payment XXXX XXXX, and that I can pay by debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with cad max, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. Car max sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused car max to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Product: Student loan

I've sent various requests for Mohela to update my qualifying payments, but I am informed to update XXXX XXXX. I have completed this action XX/XX/XXXX and XX/XX/XXXX. They haven't updated my covid payments as of yet. I have manually submitted XXXX XXXX XX/XX/XXXX and also uploaded completed XXXX XXXX XX/XX/XXXX as it was taking significantly longer to process the manual application. I believe that once the covid payments are applied, I will reach the XXXX payments which will begin the loan forgiveness process. I am currently on forbearance and attempted to get this issue resolved via various chats and phone calls without any success.
Product: Credit card or prepaid card

Was not aware of the closure of the account. Bank charged me all these returned payment fees that i did not know how to Handle. Was not aware of how the payments worked on the website. Bank charged lots of late fees. wrote to them several times and returned all my mail. thought i was doing the write thing the whole time. Did not receive anything in the mail from them. they transfer you to different people when you keep asking questions when on the phone. 

Never wanted to understand that i was not in communication with them, so I didnt know what was going on. 

Have payed off a very large portion of the balance already and currently still making monthly payments to Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified USPS mail of my complaint to XXXX Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both HSBC and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet XXXX updated my credit report without deleting both accounts, for failing to respond to my request.
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 # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX XXXX5 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I disputed online with Experian an erroneous account ( XXXX/XXXX ) on my credit report. The results were it was verified. I continued to dispute it in XX/XX/XXXX and XX/XX/XXXX asking for their method of verification, they continue to verify it without providing their method of verification or providing any documents to prove this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting.

DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXX XXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. The following status is incorrect and incomplete XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have been having issue lifting my credit freeze when I need to access my credit. This has been going on for the last eight to tens months. I always get an error message and I have to call in at least 2 to 3 times for them to lift my credit freeze and sometimes they don't lift freeze at all.
Product: Credit reporting

I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.
Product: Credit reporting or other personal consumer reports

Hello My complaint is against credit reporting bureaus reporting incorrect XXXX XXXX again and again and messing up my XXXX XXXX in front of my lender. 
When I checked my XXXX XXXX on XXXX from XXXX it was XXXX as per XXXX and my XXXX score was XXXX on XXXX score XXXX. 
I am in process of purchasing house and my mortgage lender checked my report from his end and turned out that my XXXX score is XXXX, my XXXX is XXXX and Transunion is XXXX. 
I want to know the reason behind this discrepancy that If my score is different from what lender see at their end, then why credit bureaus are selling their subscriptions to view XXXX XXXX?
Product: Checking or savings account

Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account. 
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account. 
3. Denial of password to be saved on my computer FORCING me to request a passcode. 
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints. 
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone. 
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints. 

Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is being reported as new the account is from XXXX. This information was removed from my credit report in XXXX the information has since been refreshed and added back to my credit report as if the reporting is new. 
From research I have found that it is illegal to put information back on to my personal credit report as new ( 9 months ) when in fact this information is old and was removed 2 yrs ago
Product: Credit reporting or other personal consumer reports

I have already called and made ALL 3 Credit Bureaus aware of the identity fraud that has occurred and have included FTC reports to all three reporting agencies. By FCRA Laws Section 609 ( e ), XXXX, XXXX, and Experian are required to delete all information related to the fraudulent use of a the victim 's identity. 

Inquiries : XXXX XXXX XXXX XXXX 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 XXXX Account # XXXX has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year>2022 : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

I send a check like normally to pay my rent and the check was cashed in by someone else instead of the landlord. I had called my landlord and explain what happen and they do n't consider the problem and are charging us XXXX legal fees and late fees. I 've talked to the bank serval times already and they keep telling me the same thing over and over again that the investigation is still undergoing. This process has been over a few months now and nothing has happen about that check or a refund from the bank to pay the landlord for rent.
Product: Debt collection

Capital One has refused to provide me with a contract with my actual legible signature verifying that I agreed with the terms. They keep sending me dispute letters and copies of the bill statements. I want a copy of the contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Bank account or service

I opened a citigold account with a promotional offer to get XXXX American airlines miles by satisfying the following requirements : spend {$1000.00} on debit card, 2 consecutive months e bill pay within 90 days and maintain balance of {$50000.00} in the account. These requirements were met in XXXX 2016 and they assured me that I would receive my miles by XXXX 2016. I have still not received these miles
Product: Debt collection

I've been receiving phone calls from GC services at ( XXXX ) XXXX indicating that I owe them debt for the state of XXXX XXXX  XXXX for taxes in XXXX. I was unemployed in XXXX and there's no way that I owe this debt. I filed bankruptcy in XXXX and all debts were paid or dismissed. I'm being exploited for debt that was already paid. Please help. I've reached out to this agency several times. Although I'm being discriminated against and exploited, my complaints are not being resolved. I'm requesting proof of the debt owed as it is disputed because of resolve.
Product: Credit card

I made XXXX larger XXXX eats orders for a party that were 2 separate charges but were both picked up and stolen by the driver who never dropped the food off. I have argued they never came to our door nor attempted delivery and they have no picture of the food at the door as supposed to. My bank will not refund the charges. 

The charges are on my debit card and the following on XX/XX/year> for {$450.00} and {$130.00}
Product: Debt collection

CitiBank contacted me on XXXX XXXX claiming a past due balance on my Home Depot card. This is not the first time that have done this since the start of the pandemic. In XX/XX/XXXX it took 3 weeks for my payment by mail to be received. They continued to call my house everyday. My XXXX XXXX payment was mailed 2 weeks before the due date. Once again it appears that slow mail delivery is at fault. I refuse to allow them to make withdrawals from my bank account due to being a victim of attempted ID theft from XXXX. CitiBank reduced my credit limit after the XX/XX/XXXX incident and increased my interest rate. They will most likely do the same thing again over this case. The harassing phone calls have already started.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX {$760.00} XXXX  XXXX {$530.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX chargeoff payment plan Amount owed not accurate car not worth it & eraneous errors & I Neva gave anybody permission sell my acct to 3rd party
Product: Checking or savings account

I renewed a CD online on XX/XX/2020. On XX/XX/2020, I received an e-mail from the bank saying that a Notice of Renewal letter was available for me to view. I logged in online. However, under the Notices and Letters, under the Select an Account dropdown list, I only found four choices-one Checking, one Savings, one CD and one Visa account. I have 5 accounts including two CDs with the bank. The CD I just renewed is missing. Hence I could not access the Notice of Renewal letter. This particular CD was in the dropdown list before I renewed the CD. About a month ago, I downloaded the Notice of CD Maturity letter here. What's going on! I already called the bank several times a few days ago. Two times I talked to their Technical Support managers and both times the managers could not resolve the issue and end up the phone got disconnected. I spent more than two hours. This morning I called again and waited and finally the phone got disconnected again. These days, it's very difficult to communicate with the bank and talk to a 'real ' person.
Product: Checking or savings account

Wells Fargo charged me numerous upon numerous overdraft fees for 14 months +. I was charged and given poor excuses as to why and always told different reasons as to timing schedules of transferring money into checking. 
I never kept a lot in checking as you never should. So money was always available in savings and other business accounts as well.
Product: Credit card or prepaid card

I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.