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

To : Bank of America XXXX XXXX XXXX, XXXX MD and Regulators of Bank of America Re : XXXX XXXX XXXX Senior Vice President & Leader of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. 
Business Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Suitable Afternoon Regulators of Bank of America/Consumer Financial Protection Bureau . 

The letter will entail the reasons why the late payment on the credit profile of XXXX XXXX is invalid and violates the Mortgage Loan agreement and The Federal Credit Reporting Act ( FCRA ). 
Creditworthiness and Credit profiles allow Americans to remain sustainable during a crisisresilience is a score that determines the outcome of a financial profile. 
Bank of America adheres to Consumer Credit Laws and the Federal Credit Reporting Act ( FCRA ). 

I received a late payment which compromised his stellar performance and increased his overall resilience score. On XX/XX/XXXX, XXXX XXXX granted a line of credit regarding the Mortgage loan XXXX. My stellar payment history with Bank of America. Per the terms of the loan agreement, payments on the loan would continue if the loan wasnt satisfied pay the maturity date of XX/XX/XXXX. 
The Representative gave the option to continue with payments or satisfy the loan ; n continue with scheduled payments. 
Bank of America representative later contacted me and charged a late fee. 

There is a questionable reaction from the oblige when there are no revenue changes or gaps in the payment sequences. The Representative collected the remaining balance, which satisfied the agreement before the maturity loan date of XX/XX/XXXX ( Please see attachment ). 
Why did the Bank of America react adversely to oblige credit reporting, Creditworthiness, and banking profiles? 
Operational Risk and The Federal Credit Reporting Act ( FCRA ) are two risks. 
Once concluded, a review of communication gaps and all late payment removal on all significant credit and banking scoring profiles. The loan agreement complied with terms and is a long-standing member of Bank of America with a stellar payment history and never posed a risk to the institution or its operations?
Product: Credit card or prepaid card

I can only give you a very brief information, b/c I had all the paper work at home and will sumbit to you later if you need it. 
It happened about two years ago. I had the Credit Card from American Express. But I discovered that they charged me very unfairly, so I decisided to discontinue the relationship with them. I had spoke to the phone rep. for that and she told me not to worry about it, so I thought everything was in smooth condition, but surprisingly received a letter from the company which charged me unbelieveable late fees and interests each month in following months that none of them are my fault. By then, I could not call them to tell the issue, b/c my XXXX leads me to become XXXX XXXX individual. ( please feel free to inquire the copies from the chat dept. of American Express. ) So I communicated with them thru. chat about the issue a great number of times, but it did not work. So I decided to write to CEO & President both about the situation, but I received no feedback at all and got ignored by both of them ; instead, they reported the case to collection agencies. And I sent an email to the first collection agency, and heard no respond from them. However, I continued to receive letters from collection agencies more than once at this point to tell me to pay the debt. I want to stop the relationship with them but never intended further business with them, I want to pay off my share and close my card and never see/hear from them again, but not with their claim and they tried hard to ruin my credit report record which I should earn my excellent credit record back. Can you help on that? I will be happy to send you any additional inform/documents to support my statement. Please help me to do so.
Product: Checking or savings account

USAA closed all of my bank and credit accounts without warning or reason.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$720.00}.
Product: Debt collection

I am receiving phone calls of harassment, abusive and profane language, and threats of jail, prison and death from Apelles Debt Collection Representatives for the following Apelles Account : XXXX from XXXX XXXX. The account is a fraudulent account and not my account, and is the result of identity theft. I never applied for or opened up an account with XXXX XXXX. Apelles is violating the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly harassing and threatening me with death and jail for a fraudulent account thats not my account, and is the result of identity theft.
Product: Credit card

On XX/XX/2023 I opened a 360 Checking with Capital One Bank. I opened it in person at the Capital One XXXX in XXXX, Louisiana. I funded the account right as I opened it. The woman who I opened the Account with was named XXXX. I passed all the background checks. I had my Valid Photo Drivers License, Passport, and original Social Security Card. XXXX provided me with Forms with my " New Account # and Routing Number '' to send to the 2 companies that would now be making Direct Deposits to my Account. I made clear to the Banker that I would be doing 2 DIRECT DEPOSITS PER MONTH.

They are as Follows : 1. Social Security Full Retirement Check.

2. A Pension Check Paid Monthly This Qualifies me for a Capital One Bonus of {$350.00}. 
Next : I opened a Capital One XXXX Account. I was then PRE-APPROVED for a SAVOR CREDIT CARD by CAPITAL ONE. I now have XXXX Accounts with CAPITAL ONE BANK. I was then shocked by Capital One. The US Post Office sent me 2 envelopes both had been sent by Capital One, I couldn't believe what I was looking at. Both addresses were written in an absolutely discombobulated way. Even the POST OFFICE placed a " Stamp on the Envelope commenting on it. This was my first negative experience with Capital One. They were given my complete correct Mailing address right in the Bank. They clearly can not address an envelope to a Banking Customer that is correct. Next, anytime you contact Capital One by telephone you are connected to a XXXX XXXX center. The 6 or 7 times I spoke to them you could not understand what the person was saying. There English was unintelligible. These calls are taped. They will clearly validate what I am stating as Fact. I have PERFECT CREDIT. This a FACT. I do not have 1 negative mark on any report. 5 Days Ago I could not believe what Capital One did. Without sending me a letter, without contacting me by telephone CAPITAL ONE placed a RESTRICTION ON MY CREDIT CARD. I had just sent them a {$100.00} Payment and with no forewarning I was at XXXX and my Savor Card was declined. 
I am a Certified Paralegal. Capital One has broken the Law. They have violated the rights of this Account Holder. To place a Restriction on a Customer with 3 Accounts Legally you must take the perfunctory steps of proper notification. Capital One violated the law. They just went ahead and performed this extreme step. If Capital One makes 1 move to ruin my Perfect Credit they will face MAJOR LITIGATION!! Here I trusted this Bank and moved my 2 Direct Deposit Checks to this Bank. I want to state as fact that The Savor Card gives an Account Holder a {$200.00} Bonus for spending {$500.00} in 3 months. I was {$250.00} shy of this goal when they restricted this account. How convenient of them. Now they committed FRAUD AGAINST ME. Capital One as a Bank bestows major problems on its Customers. If they place 1 negative mark on my Credit Report I will sue this Bank.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX, Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX {$2300.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 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 have XXXX 30 day late on my credit from a Best Buy credit card that I've had in my name for over 8 years. This allegedly occurred in XX/XX/2022, while the world was in the midst of the pandemic. I was never notified of this late and to my knowledge have always paid my credit card on time. Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called Best Buy probably XXXX to XXXX times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. I'm simply trying to get this one incorrect 30-day late payments ( from XX/XX/2022 ) removed from my credit. I'm currently pregnant and this incorrect information from Best Buy is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining a necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want Best Buy to correct this.
Product: Debt collection

In the past month Midland Credit has called 112 times. The worst being 22 times in one day. They are now attempting to use spoofed numbers as shown in the provided log. Debt or no debt, this is harassment. Screenshots of call log provided.
Product: Checking or savings account

Dear CPFB, I am writing to express my extreme dissatisfaction with the recent actions taken by Chase Bank regarding my business account. On XX/XX/XXXX, I discovered that restrictions had been placed on my account without my knowledge on XX/XX/XXXX. As a result, multiple automatic clearing house ( ACH ) vendor payments, including payroll for my staff and a significant accounts receivable payment from my customer, XXXX XXXX, were rejected. This has caused considerable financial hardship for my company. 

I was not informed of this restriction until after the fact. I have visited the XXXX, XXXX  branch on XXXX XXXX several times over the past month. The warning to sign an updated Attestation of Ownership form, which caused the restriction, could have been brought to my attention at either of those visits. 

Adding insult to injury, I visited the same XXXX, XXXX XXXX to clear the restriction but could not get any help after spending over an hour there. I was told by the branch XXXX that my account was being closed and to call the XXXX XXXX. She also said that the situation has escalated beyond her level so they could not do anything else. While still in the branch, I did call the Compliance Department and told the branch XXXX that I needed to sign the Attestation of Ownership form, but to no avail. I had XXXX XXXX to the XXXX XXXX, California branch for proper assistance. 

The following automatic clearing house ( ACH ) debits were rejected : XXXX XXXX XXXX XXXX XXXXayroll Taxes : {$1700.00}, XXXX XXXX : {$380.00}, EXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$400.00}. 

The following automatic clearing house ( ACH ) credit was rejected : XXXX XXXX Accounts XXXX : {$31000.00}. 

This incident follows a previous issue in XXXX where my business line of credit was reduced by {$96000.00}. While inconvenient, the current situation is far more severe, as it is negatively impacting my relationships with both vendors and customers. This is embarrassing and makes my business appear to be unstable and risky, which can be a huge concern to my business relationships. 

The actions taken by Chase Bank have the potential to cause long-term financial damage to my business. I am deeply concerned about the possible loss of vendor credit and customer relationships. Due to the severity of these consequences, I am contemplating legal action to address the detrimental effects on my business. 

I urge you to investigate this matter promptly and provide a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$410.00} on XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never, not now nor in the past, had a credit card with either XXXX or XXXX. These accounts are being reporting in error and need to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I.C. SYSTEM. INC has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX They have a collection for XXXX XXXX. They show it as Date last activity as unknown, opening in XXXX of XXXX but and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Product: Debt collection

XXXX  XXXX  calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

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

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXXXXXX 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 card or prepaid card

In XX/XX/2020 I have received a marketing offer ( attached ) for a business visa card that requires a spending threshold of {$7500.00} in first 120 days to receive a {$750.00} bonus. I applied for the card and received it. However the credit limit was set at {$1000.00} making the threshold meet impossible. I have contacted the XXXX of the card at the bank and ask for either increase of the credit limit to {$8000.00} so the spending threshold can be met or transfer my credit limit from other existing credit card that I have with US bank that has currently {$0.00} balance. The staff at the US bank refused and the supervisor at the bank XXXX informed me that he's not authorized to address this issue. 
Here is the bottom line : it appears that the US Bank sent me an offer in bad faith as it has sent the credit limit purposefully low so the offer 's spending benchmark can not be met.
Product: Debt collection

I have responded to them numerous times and now they are threaten me to take me to court. I do not recognize the debt. Nothing in the papers they sent me reflects my signature. They have requested personal information I do not feel approiate to send them for something I do not know about. 

Im un a limited income and only receive Social Security. The file # is XXXX
Product: Credit card or prepaid card

This is a followup to complaint # XXXX. I mailed a check for the final amount and notified PayPal Credit to close the account. The check was sent via Certified Priority Mail with a return receipt on XX/XX/XXXX. It arrive at their post office on XX/XX/XXXX at XXXX XXXX. according to postal tracking records and as of XX/XX/2019 XXXX EDT PayPal Credit has not picked up the payment. 

I send this information for your records, because I believe PayPal will claim that the payment was late and want additional late fees and service charges or simply refuse the accept the payment and keep the account open continuing their predatory practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act EXPERIAN IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the following 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I also included a completed Identity Theft Victim 's Complaint and Affidavit and Notary