23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares
Product: Checking or savings account

I was sent a debit card I did not request on XX/XX/year>. I called US bank on XX/XX/year> and they told me that nobody but me had accessed my account and everything was fine, however my bank account was hacked, the email and password changed, and I was only able to get back in via phone notifications. I monitor my transactions and two payments of {$3000.00} were made to XXXX on XX/XX/year> and on XXXX reported that my account was hacked on XX/XX/year>, froze the account and filed a fraud claim. My claim was denied on XX/XX/year>, and I was told today on XX/XX/year> that this was because the transaction was authorized, not factoring in the obious suspcious activty on my account, nor US Bank 's error in telling me I was the only one to log into my account.
Product: Debt collection

Subject : Complaint Regarding Repeated Reporting of Paid Debt to Collections Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Hunter Warfield for improper handling of a debt and repeated inaccurate reporting to collections agencies. Below is a detailed account of the events : Original Charge : I broke my lease early with XXXX at XXXX XXXX and was charged a fee, along with forfeiture of my deposit. This amount was settled at the time. 

XXXX XXXX Notice : Several months later, I received a notice that a collection had been filed on my account for this debt. Upon receiving this notice, I requested a debt validation letter from the collection agency, which was not provided in a timely manner as required by law. Consequently, the collection entry was removed from my credit report.

Second Collection Entry : Despite its prior removal, the same charge was reported back on my collections account several months later. I was contact
ed by Hunter Warfeild, who offered me a lower settlement fee to resolve the debt. I agreed to the terms and completed a " pay-to-delete '' agreement, as evidenced by the attached documentation. After this settlement, the charge was again removed from my collections account.

Third Collection Entry : Most recently, this charge has been reported back to my collections account for the third time. This is causing significant harm to my credit score and financial well-being.

Violation of Rights : Failure to provide a debt validation letter in a timely manner as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of the " pay-to-delete '' agreement by re-reporting the debt after settlement. 

Inaccurate and repeated reporting of the same debt to collections agencies.

Resolution Sought : Immediate removal of this inaccurate and duplicative collection entry from my credit report.

Assurance from the collection agency and apartment complex that this debt will not be reported again in the future. 

Investigation into the practices of the collection agency and apartment complex to ensure compliance with FDCPA and FCRA regulations. 

Please find attached supporting documentation, including proof of the " pay-to-delete '' agreement, settlement payment, and prior correspondence regarding the debt.
Product: Credit card or prepaid card

I have written to Synchrony Bank/Care Credit on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an  account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully read the following. 
Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card.

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 
I demand you remove the following address and names : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following accounts I demand to have 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 Inquiries : XXXX XXXX CO XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX made a hard inquiry on my credit report by obtaining a copy of my credit report from Equifax. I did not authorize or request XXXX to obtain a copy of my credit report, nor applied for credit with either agency. Upon calling XXXX the very next day, the bank confirmed that the request was fraudulent and verbally promised to submit a request to Equifax to have the inquiry removed. 

Equifax did not remove the inquiry. 

On XX/XX/2023, I submitted a dispute to Equifax, informing the credit reporting agency that the inquiry was fraudulent. Equifax conducted an investigation and refused to remove the inquiry, stating " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' as their reason for refusal. 

I called Equifax on two separate occasions after receiving a response to my dispute. Both agents of Equifax advised that the only way Equifax will consider my dispute is if I provide a police report showing the fraudulent credit inquiry. 

The Fair Credit Reporting Act ( FCRA ), in part, requires credit reporting agencies, such as Equifax, and furnishers of credit information to only report accurate information on a consumer report and requires removing information that is not factual upon a good faith dispute made by a consumer. There is no requirement under the FCRA to establish a fraudulent inquiry by submitting a police report, or a report of any kind, for that matter. Instead, the FCRA requires CRAs such as Equifax to obtain verification of whether the inquiry was made in accordance with FCRA and remove information that can not be verified. In their response, Equifax does not claim to have verified the inquiry with XXXX XXXX but only makes a conclusory claim that the inquiry is " factual information. '' Accordingly, Equifax violated the FCRA by denying my dispute request without confirming that the inquiry was made in accordance with the FCRA.
Product: Credit card

I originally filed this against paypal, who informed me that synchrony bank is responsible.

Here is a copy of the complaint I originally filed : I bought a computer from XXXX through my Paypal credit card by going on the website and chatting with the Representative. I was having to return the original computer because the trade in was not processed properly. The Representative created the cart for me but the price was wrong. It was some XXXX higher then it should have been. The Representative assured me that the difference would be refunded to me when the trade-in went through. I hesitated, and asked him to double check. He assured me that the difference would be refunded. The difference was never refunded. I called XXXX and they said it was because I didn't create the order under my account. When I pointed out that the XXXX XXXX created the order, they said they could file an appeal. I said that was never the agreement. I was lied to in order to create a sale. And paypal has not followed up. They're " investigating '', even though the transaction was in XXXX. They need to give me an answer and I need the refund I was promised by XXXX. They just charged me 80 % more then they promised. And paypal has done nothing but maintain silence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has now reported incorrect information to the credit bureau ( 3 ) times and each time, my credit score has dropped XXXX points. The first time was early last year. It happened again last month- I noticed at the end of XXXX that XXXX XXXX reported a balance of {$3600.00} to the credit bureau despite my last statement at the time being only {$1200.00} ( XXXX statement ). I have been with XXXX XXXX since XX/XX/XXXX and {$1400.00} is the highest my statement has EVER been. I contacted XXXX XXXX about this to see where they got this arbitrary number of {$3600.00} and the representative said he had no idea and to dispute it. To dispute through XXXX XXXXXXXX, you have to mail a letter with your name, account number, SSN, DOB, and address and I was not comfortable doing that so disputed through the credit bureau. The dispute came back on XX/XX/XXXX as completed and it looks as though XXXX XXXX reported a new arbitrary number of $ XXXX again, my balance has never been this high. My XXXX statement was out by the time this dispute was underway and it is only {$1400.00}. And again, my credit score dropped XXXX points because of the balance reported. 

In summary, XXXX XXXX has consistently reported incorrect balance statements to the credit bureau resulting in a significant drop in my credit score. When I contact them about it, they can't tell me why these numbers are reported because they don't see any statements matching the amount. When I tried to dispute it through TransUnion, XXXX XXXX then reported another false balance statement amount, resulting in another drop to my credit score.
Product: Credit reporting or other personal consumer reports

My account with XXXX never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have tried with FTC and CFPB to delete an address that is not mine from my credit report. The only address that should exist in my report is my ID. 

XXXX XXXX XXXX XXXX XXXX fl XXXX Please delete any other addresses, just leave the one named above.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( XXXX XXXX  ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.
Product: Credit reporting or other personal consumer reports

My loans have been deleted by the government due to my XXXX. I have the letter and have sent them to transunion, equifax and experian to delete them/change status. They still show on my credit with a balance and or late pays.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm contacting you because I have found some information that is inaccurate on my credit report.I don't believe this account were ever paid late as it is reported.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.The items in question are in the photos.After doing so please provide me with and updated credit report reflecting the changes thank you for your support
Product: Checking or savings account

Since XX/XX/2021, Bank of America has charged me over XXXX worth of overdraft fees and will not reimburse me the money that was charged. Nobody should be charged more than 30 overdraft fees in a 2.5 -3 month time period regardless of how much money was in my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I transferred {$5000.00} via HSBC branch located in XXXX NJ into an XXXX Companys XXXX XXXX   checking account on XX/XX/2019. XXXX XXXX requested XXXX information from HSBC and which was never provided. I requested return of funds on XX/XX/2019 from HSBC. I am still waiting for the funds. XXXX XXXX  has not received any request from HSBC for the return of these funds. I can not speak to the wire department directly nor I am given any update on where HSBC stand in recovering my funds. I need help in recovering my money that XXXX and XXXX XXXX  owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

And this is why This dispute comment takes the account out of being factored into the XXXX XXXX, so if an account with a negative history gets its dispute remark removed, then the XXXX XXXX may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on XXXX and uplift I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts. These accounts are not mine. Please verify with signed documents stating I have an account with these collections.
Product: Credit card or prepaid card

This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
CBNA XXXX* Balance {$0.00}
Product: Credit card

Capital One refused my remittance coupon that was sent in with proper endorsement ( 31 CFR 328.5 & 328.6 ) and closed my acct. They also sent a letter to inform me that I would receive a bill from them every month until it was paid. I called them and discussed in great length that I now know about something that has been hidden from people regarding everyone 's unlimited credit in this world and how banks can not loan assets ( 12 USC 1431 ) and the U.S. Treasury is obligated to make payments on the public debt ( 31 USC 3123 ). Our debts have already been paid by our XXXX XXXX XXXX trusts and they have received payment for that but then want us to also send in money from our cash accounts which is " double dipping ''. They call it a " gift '' but it is what keeps people down and out and living from paycheck to paycheck and makes banks rich. The big corporate banks are fully aware of this although most employees of these banks are not. There is no gold backed dollar anymore. In XXXX, HJR 192 eliminated the ability to PAY our debts, allowing only for their discharge. Since this act of accepting payments twice for the same bill was never disclosed, I feel the contract is null and void and I don't intent to pay it ( 15 USC 1692c ( c ) ).
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX