23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with Santander dated XX/XX/2015 and I extended your organization the credit for the account no. XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; Delete the account and have it updated on my report through all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX, XXXX. 
Account XXXX : xxxxx XXXX
Product: Debt collection

On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account
Product: Credit card

I submitted a dispute for Barclay credit card that I previous had that I eas trying to make payments on. I put in a dispute initially because the number listen by the credit bureaus was not correct. When I called that number, I was told I needed to call another the Collections department number and couldnt be transferred. I tried to do this several times, and was unsucdessful. This past week, I called again and told to call the Collections department. When I finally talked to someone in this department they told me that the debt was sold to a debt collection company in 2023 and I should contact them to make payments, but if they no longer have the debt I could call back and they could start a payment plan. I called the number to debt collection company and the number was not a working number. I have tried so many times to pay this debt and it is nearly impossible since barclay will not allow me to pay it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. XXXX  I made a {$410.00} deposit into XXXX  exchange from my XXXX. I was able to right away purchase bitcoin with those funds and once I tried to transfer them to my wallet I received a hold notice. I contacted customer support and was told that the paypal deposit would take XXXX business days to clear and once it cleared I would be able to transfer and or withdraw funds and crypto. I received an email stating that the payment cleared and still I have no access to my crypto or funds. I have emailed support many times and not only do they lag on answering me but they keep giving me excuses why they cant and wont release the hold on my account allowing me to withdraw my funds. I want to be free of this company, they are a scam and they have several XXXX complaints against their company. I do not know how they are being allowed to continue stealing from people. Please help
Product: Bank account or service

On the evening of XXXX XXXX, 2017 I went to the Bank of America 's Teller Assisted drive up window at XXXX XXXX, FL to cash a check. But when I placed the check into the machine it got lost, so the video teller started a claim dispute process and told me it could take up to 45 days. 

In the following days I called the telephone number he provided to inquire if anyone had even looked for my check outside in the ATM machine. But the only response I ever got from the Bank of America was that its investigation was underway. Later, I received a letter indicating the bank would issue a temporary credit line for the amount of the check while it conducted its research. Then after a week, I received a response from the bank stating, 'We have concluded our investigation and determined an error did occur ' and that 'The temporary credit for the amount is now a permanent credit, thus closing this dispute '. 

When I gave my check to the Bank of America I expected to promptly receive cash or have my check returned to me upon request. I had the right to know the whereabouts of my check and the bank had an obligation to locate it in a timely manner. It took the Bank of America over a week to cash a simple check and never admitted any wrongdoing on its part or apologized for its error. Instead, the bank slapped me with credit and treated my concerns as unimportant.
Product: Checking or savings account

Wells Fargo had a XXXX payment sent out of my account resulting in {$1800.00} leaving my account in XXXX of 2022, I contacted them to assist me with the fraud case and they told me they would help me out, they closed out the account and marked it as confirmed fraud, but never returned the money back into my account.
Product: Debt collection

XX/XX/XXXX for {$1100.00} and they said I can not provide. They told me the account was opened XX/XX/XXXX and sent to collections XX/XX/XXXX. I asked when was payment made they said the information could not be provided.
Product: Debt collection

XXXX XXXX XXXX originally XXXX  XXXX- XX/XX/XXXX {$490.00} Was sold to another company so I Filed a dispute explaining the account is a no contract account and was not verified. 

XXXX- XX/XX/XXXX {$4600.00} Filed a dispute that account was not verified Diverified Consultant originally XXXX- XX/XX/XXXX {$1000.00} Account was sold to another company, I have tried to dispute account stating this was not verified and account has no contract.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I want them to be funished about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverifiedinformation. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall releasing myinformation toathirdparty.

1.Please provide breakdown of fees including any collection costs and charges 2.Provide a copy of my signature with the provider of service to release my informationto you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint asmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can be perceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seek damagesfrom a collection agency
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was 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 in XX/XX/year>, XX/XX/year> AND XX/XX/year>. 
to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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 21 days before the payment due date. 


XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Checking or savings account

Hello I am a XXXX XXXX XXXX who has had an account with Bank of America for 4 years. Recently they have put holds on checks that I deposit for 7 business days. They never did this before and the checks are always from escrow companies and I have never deposited a check that has been returned. Holding my funds ( which are with in my normal deposit amounts ) affects my business and causes me to receive multiple {$35.00} dollar charges. What happens is I deposit the check at a branch, they say it will be available to cover charges the next day. I even look on my online account after the deposit a check and it says the same thing. Then what happens in the middle of the night is i get an email that says the check is going to be held for 7 business days because it might be returned. I believe this to be a tactic to set small business customers up to increase fees by misleading them that their funds will be available AND once the hold on you are hostage to Bank of America since it is possible to open an account at the bank check came from and have 1 day hold. This never use to be the case with Bank of America and the checks i deposit are always from an escrow company who use a large bank as their bank with in the United States. 

On XX/XX/XXXX at XXXX PST I called in to BofA business account phone number. I called because I saw a check I had issued had been debited out of my account and all looked fine until I got an email that it was going to be returned even though i had the funds ( i have a copy of it ). I was told that the 7 day business hold ( which is really 8 days because they tell you the following day early in the morning via email about the hold ) and told this to the first rep that i had the funds and it was still being returned ( i have electronic proof ). She puts me on hold, gets a manager and tells me the check WILL be paid and then credits my account {$35.00} for the overdraft fee and all is fine. Then a few hours later i look at my account and they returned the check to me! I call back and to no surprise i get a different answer, two BofA managers who tell me they can't do anything to help me and don't know why the associate would tell me that. its all recorded so i know my story is true and i have print outs of proof that these holds are for overdraft and return item fees.

One last note : When on hold there is a PR message about how Bank of America helps woman owned businesses and supports them. i am a minority and women owned business and i believe i am targeted because of my PPP loan application they know I'm 100 % women owned and minority. 

Another issue is that no one ever gives you the same information. You get a different answer on the phone each time and in person at a branch. I suspect they purposely have lack of training or not uniform training so as to mask the purpose of holding of deposits for the pure purpose of racking up overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Product: Debt collection

On XX/XX/XXXX I received a call from the debt collection agency Portfolio Recovery Associates to my secondary cell phone number XXXX at XXXX pm. I enformed the debt collection agent that I do not want my phone call recorded and to please do not contact me at all. The debt collector was persistent in getting me to confirm my name and address, so I gave the debt collection agent my Directing Attorneys XXXX of XXXX Law Firm 's contact information. The debt is from a old XX/XX/XXXX credit card that has long expired the statute of limitations to collect upon after 7 to 10 years and by law the debt is forgiven and can not be re-aged by the the laws Passed In the FDCPA Fair Debt Collection Practices Act of 1970.This debt does not currently reflect on my credit report nor do I claim any responsibility for this debt. I want this complaint to be reviewed and please contact the debt collector and have them review the FDCPA. Any further attempts from this collect will result in legal action due to harassment.
Product: Mortgage

Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ). 
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem. 
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information. 
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response.
Product: Credit card

I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the removal of all outdated personal information from my credit report citing 15 USC 1681a, which requires the accuracy and completeness of information in consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

For approximately the last 2 years Credit Karma told me I was pre-qualified for credit cards only to be denied and have a hard inquiry on my credit report.
Product: Credit card

Citibank enrolled my XXXX year old mom and I in their Credit Safeguard without her consent. We have been unwittingly paying the monthly premium for years. When I read about the settlement with CFPB I requested a refund. Though they were aware they owed a refund they did nothing until our request. It took over 30 days to provide a response. They indicated that we were due a refund of {$3000.00} in a letter dated XXXX/XXXX/XXXX and they had issued a refund credit that would appear on the account within two billing periods. I called them in XXXX and was told that it would appear on the next bill. In the interim I have been making scheduled monthly payments. On XXXX/XXXX/XXXX I received my XXXX statement and the credit has still not appeared. I called Citibank for the third time on XXXX/XXXX/XXXX and was given the run around again. The credit monitoring department said they could only " email an escalation '' to the refund department but they could not speak with anyone. A response could take " up to 30 days '' AGAIN. I spoke with a supervisor and got the same response. I was then transferred to " customer service '' XXXX said the credit would be on my " next month bill ''. We are talking about XXXX now and all I have is another hollow promise that the credit is on the way and there is NOTHING ELSE that can be done. In the meantime I am still being charged interest on the amount that should have been credited. This seems unethical at best if not fraudulent to delay a credit this amount of time. Please help!
Product: Vehicle loan or lease

I have a horse trailer loan with Bank of the West. I have been trying to change my address with then for 3 years. It is impossible to speak to an agent. I sat on hold yesterday for 3 hours.

The hold message mentioned that I could do a change of address on line. I went through the process to set up an online account only to find out that my loan does not qualify.

I continued to hold for 3 hours. 

I am trying to sell my trailer but I need to get the address changed so that the lien release comes to me and not to my old address. 

I am concerned that the payoff won't be handles properly since the change of address is so difficult for them.