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

Under the FDCPA Section 807 ( 8 ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX  ( XXXX  ), XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX c/o Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  ALL have failed to report a disputed debt to the credit bureaus.
Product: Checking or savings account

I am filing a complaint against Bank of America for their dishonest, unprofessional practices on a reversal payment to my checking and debit account I am very dissatisfied with BofA. On XX/XX/XXXXI had a reversal payment in the amount of {$270.00} from XXXX XXXX XXXX due to a glitch in their system, I have been assured by XXXX XXXX XXXX supervisors that the money was reversed back to my account on XX/XX/XXXXand it would take two business day to reflect back to my account. I have been calling BofA to find out about my refund they did not have a clue XXXX XXXX XXXX had assured me it would take two business days to reflect on my BofA account which it would have beenXX/XX/XXXX. On XXXX I call XXXX XXXX XXXX and connect Bank of America and we had a conference call with supervisor XXXX from BofA XXXX XXXX XXXX assured him the funds had been reversed the same day ofXX/XX/XXXX Bank of America supervisor could not explain why the funds had not been put back into my account he informs me the funds could be available on Monday, XX/XX/XXXX well today is Tuesday XX/XX/XXXX, and no funds have been released to my account. I call BofA and spoke to XXXX very rude, I requested a supervisor and I got XXXX he did not have a clue why my funds were not put back into my account. I call XXXX XXXX XXXX and had XXXX on the line and connected once again BofA and spoke to XXXX we had a conference call she also tried to figure out what was happening with my refund since I had XXXX XXXX XXXX on the line and they assured XXXX the funds had been reveres on XX/XX/XXXX, she could not figure out why my funds were not available.I have to continue to wait for my {$270.00} funds.
Product: Checking or savings account

Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Bank of America to pay more than {$100.00} XXXX to customers for systematically double-dipping on fees imposed on customers with insufficient funds in their account, withholding reward bonuses explicitly promised to credit card customers, and misappropriating sensitive personal information to open accounts without customer knowledge or authorization. The Office of the Comptroller of the Currency ( OCC ) also found that the banks double-dipping on fees was illegal. Bank of America will pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC. 

Bank of America wrongfully withheld credit card rewards, double-dipped on fees, and opened accounts without consent, said CFPB Director Rohit Chopra . These practices are illegal and undermine customer trust. The CFPB will be putting an end to these practices across the banking system.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Dear representatives of Consumer Financial Protection Bureau, I hope you are doing well in XXXX. I hope that you are healthy and safe from The Covid19Virus Pandemic. I'm writing to you because I would like to file a complaint against Chase United Airlines Mileage Plus Credit Card. A thief in XXXX XXXX stole my Chase credit card number last XX/XX/XXXX and bought food in a XXXX XXXX XXXX Food Restaurant located in XXXX, XXXX XXXX, XXXX. I have been trying to file y police report without any success because I don't have any cooperation from Chase I'm requesting my affidavit of fraud from Chase but they are not sending me the affidavit by mail or email even I requested this many times. The police in XXXX XXXX needs the affidavit of fraud from Chase in order to take my police report. 


They are not paying attention this serious matter. They are treating me without compassion and consideration to my stressful situation. Sometimes they are hanging the phone on me when I'm calling. I have been waiting for the affidavit of fraud to arrive by mail for almost 28 days. The thief is still outside and we don't know if he know other credit card numbers that belong to me or even to others. 

I will appreciate your help and cooperation in order to resolve this matter. 


Kind regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I was making a flight reservation on the United Airlines website. I noticed an ad at the top of the page that told me that the price of the ticket could be {$250.00} less ( and it showed the ticket price minus the {$250.00} statement credit with the now lower price ) if I applied for the United Explorer Plus Card. So I clicked on the ad, filled out the application, got approved almost immediately, spoke with the credit card approval representative who promised that I would see the {$250.00}. off on my first statement provided I had purchased my ticket. I purchased my ticket completing my flight reservation on United immediately. When my statement arrived, i didn't see the {$250.00} statement credit and called them immediately. I was then told that I had not applied for the right offer. Since that time, I have been on the United Airlines Forum online side where I have read that many others have also been denied the offer, today I called Chase ( the Credit card company for United ) and tried to once again appeal to them, but they refused to help me. Further, I went on a credit card review site and found yet other complaints about this same offer from a few people. It seems that Chase has a habit of changing offers mid stream and not honoring what people sign up for. 
Further, I have spoken to United Airlines customer credit several times. They tell me that they have no  control over what the credit card company does and that they can't help me. Although I have spoken with United reps on their official XXXX page who have told me that if the offer for the {$250.00}. is still live, they should honor it. I have the link for the offer which was still live on XX/XX/2019 when I screen shot it and I have the conversation from XXXX United Airlines with their statement that Chase should honor offers to customers made to United Airlines Explorer customers. I would like to be able to upload these docs or send them to you. I am disgusted as I had total faith in Chase and United to stand by their word and it is obvious that they have hurt a lot of people who will not be recommending them. 
Further, the offer was not available to current card holders, which I was NOT. I have another travel card that I can use, I opened the United Chase Card that night just before completing my first purchase, just for that purpose and to start using the new card exclusively. So, I was perfectly entitled to the statement credit.
Product: Mortgage

This is simple. 53.com deleted all my payment information from the website. So now I can't make a payment. They are trying to make me miss payment so they can charge more late fees.
Product: Credit card

Barclaycard closed my credit card account with no warning and now claims that I have 'forfeited ' my cash back rewards balance of {$12.00}, even though I had no knowledge of their plan to close my account. Clearly, if I had known, I would have access that cash rewards as a credit to my account.
Product: Debt collection

I have these  XXXX   Reports b y  XXXX   Collection Agencie s whose address are :  1.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX    2 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX   XXXX   I contacted them today that these bills are supposed to be paid by my   XXXX   XXXX    :    XXXX   XXXX   XXXX   XXXX   XXXX   but seems to me that they wo n't consider it. They are attacking me by using a Credit Report thus would give a handicap for me in borrowing or just an approval for medical needs. It is so very alarming that I am going to be  XXXX  this  XXXX  therefore have to get by with  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account XXXX which was opened XX/XX/XXXX, and currently has a XXXX balance owing. However, Experian is reporting that I had a late payment in XXXX of XXXX. That is not accurate. I have never been late in paying this card. I disputed the inaccurate reporting directly with XXXX and XXXX and both credit reporting agencies have corrected the inaccuracy. However, despite different disputes with Experian, Experian has failed to correct this inaccuracy and continues to erroneously reflect a late payment for the month of XX/XX/XXXX in the payment history. It is clear that Experian and XXXX have failed to conduct a reasonable investigation of my dispute as required under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, and have subsequently failed to correct the inaccuracy in their reporting of my payment history for this trade line. Being that I have twice attempted to indirectly dispute this through the CRA, without resolution, I now have private right of action to bring litigation against Experian and XXXX for falsely reporting this inaccurate information ; and I intend to do just that if it not rectified with the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

I appreciate your attention to the removal of certain fraudulent entries from my file, stemming from an alleged identity theft. However, there remain unresolved items that require attention. Compliance with law 605b of the FCRA, as indicated in report # XXXX, necessitates certified mail to facilitate legal recourse. Failure to rectify the inaccuracies listed below, attributed to fraudulent activities, will prompt legal action through my attorney. It is my preference to resolve this matter without litigation ; thus, I urge adherence to the law. Please expunge the following fraudulent entries, opened without my authorization or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Should you assert the accuracy and verifiability of these entries, I request documentation bearing my signature, which I know does not exist. Absent such documentation, I formally demand immediate deletion of these accounts and associated inaccurate personal information from the credit file under my Social Security number. Please note, you have four business days to rectify any entries resulting from alleged fraudulent activities. I do not consent to E-OSCAR or any automated verification methods. Your prompt attention and response within the specified timeframe are appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Im having problems with my identity since 2014. Your company has been awesome. I actually feel heard and you respond or get the company to respond. Thank you. I tried to get my XXXX  after I found an error with XXXX. Id be overjoyed if they actually agreed I am ME but for years of identity theft caused by my XXXX XXXX my name is XXXX So since I couldnt get my report online they said I could get it by mail so I sent for it on XXXX XXXX from XXXX XXXX have not gotten a response have not gotten my credit report. According to what I read in the FTC they had 15 days from receipt to mail to me. It is now XXXX XXXX and NOTHING. Cant get it online or mail. I really am trying to undo all the damage my XXXX  has done and these companies make it so hard I almost want to give up. 
I wanted my credit report from all three companies and Requested that Online through XXXX XXXX XXXX   XXXX but all three rejected me. Its a lot of work being me. Thank you. XXXX
Product: Money transfer, virtual currency, or money service

Customer service for Coinbase will not reply to my inquiries. This is happening to thousands of people worldwide. I have thousands of dollars in my account, and ca n't access it until customer service responds to me. They have more or less locked up my account until they get to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, Equifax, and XXXX multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX USA and comments
Product: Credit card

Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a heloc with XXXX XXXX XXXX  in XXXX XXXX, Fl. They updated their account systems and my account was assigned a new number. Experian will not acknowledge the change in number and shows me having two separate lines of credit. I have tried to dispute with no success. The bank says they have tried also and have other customers with the same problem.
Product: Bank account or service

This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX county . I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX, is furnishing inaccurate, inequitable, negative information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage account with Morgan Stanley Home Loans was in forbearance. I sent a check in XXXX to pay off the deferred balance. The company still has not applied the payment I sent. This is preventing me from obtaining further credit and costing me thousands of dollars in additional interest expense.
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  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I've been working with Grain Technologies they offered me a {$750.00} credit line, at first it was fine. Then when COVID hit I tried to get support which is non-existent. They disabled my online portal, and will not allow me to make payments, or allow me to verify my identity to pay the account. After speaking with a rep they said my online account was disabled because of the past due balance and once it's paid I can continue using the account. After I paid someone contacted me and said they decided to close my account once I pay it in full. I think I was deceived into making a payment, and once it was processed they decided to close my account once it's paid in full with no notice or explanation and they won't allow me to verify my identity.
Product: Bank account or service

Bank agent threatened me and verbally abused me for owing a balance less thann30 days past to. I was asked to i have a job and where do i work and threatened. The agent also refused to make a payment arrangements and hung up in my face. Agent then froze my accounts for no reason
Product: Debt collection

On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.
Product: Payday loan, title loan, or personal loan

This Company garnished my wages, and has not updated any amounts to my credit report. Also I am protected under the SCRA ACT and have advised them of this information and yet they refuse to acknowledge the info and have continued to report negative/deragotory marks on my credit. Please see the following information for review
Product: Checking or savings account

I even walked in to Citibank to clear it up and they told that I need to wait for a letter I understand if it would of been a credit card am willing to wait but is income tax money my money not credit I fill like they just playing with my XXXX that I need to pay bills my rent XXXX is coming up am job less got XXXX sons a XXXX old and XXXX old I even I even Prolly goin to get invicted
Product: Bank account or service

My debit card is part of a fraud investigation so the bank has locked my card. I live in Oklahoma and there are no Huntington banks near me. I asked XXXX to expedite my card because I have no ability to get to my funds, and he proceeded to tell me he would charge me {$25.00} for the card. I asked him to waive the fee due to the circumstances and he refused to waive the entire fee. I told him I was not ok with the fee being charged to my account but if that is the only way to get my card then I guess he would have to do it but I was not ok with it. I told him I would speak to his supervisor on Monday in regards to the situation and I feel like it is extremely poor customer service to have your customer get the money stolen by the bad guys and then for the bank to steal my money as well is just not very customer oriented. This is not the first run in I have had with this bank. They have refused to give me my money once before and that seems to be their motto.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX  EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting

I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply