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

My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
Product: Debt collection

We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.
Product: Debt collection

On Tuesday XX/XX/year> at approximately XXXX XXXX the XXXX XXXX XXXX XXXX Department came to my place of residence and gave me paperwork on behalf of Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply.

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation.

I have contacted TransUnion several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.
Product: Credit card

I the consumer and natural person was denied credit by Bank of America when I applied for a business loan. 
Adverse action against a consumer is against the law according to the equal credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

The Bank of America is subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by Bank of America due to the response that I received. The employee of Bank of America stated my business had not been open for the proper amount of time which my business has been open for well over a year actually 3 years now. Bank of America is in violation of 15 USC 1642 USC 1681 m and 12 CFR 1002 because either consumer made an application in good faith but credit was not issued. In good faith means good intentions when you have good intentions that makes you a credit worthy applicant. 12 CFR1002. 7 - rules concerning extension of credit ; creditor shall not refuse to grant an individual account to a credit worthy applicant. 
Furthermore because my social security number ( credit card ) was used and I received no benefit. This is proof of fraudulent activity unauthorized use of credit card on behalf of Bank of America. 
If Bank of America fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card AKA social security number I will indeed make Bank of America criminally and civilly liable for all actual damages pursuant to 15 USC 1681 n and 15 USC 1681 o. I will also follow up with an invoice for said violations of {$1000.00} per violation. 15 USC 1681M if any person takes any adverse action with respect to any consumer that is based in whole or in part of any information contained in a consumer report the person shall provide oral written or electronic notice of the adverse action to the consumer. I would like your assistance and resolving this matter That's why I'm reaching out to the CFPB today. 

Thank you Sign XXXX XXXX agent beneficiary Without prejudice All natural inalienable rights reserved. 


Referencing sales and goods Act The deception practices act The registration act Truth and lending Act
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an Apple credit card ( which is through Goldman Sachs Bank USA XXXX to get 0 % apr on the purchase of a laptop. Despite my excellent credit score, I was declined due to a bank closing my account ( I paid off student loans ) and I contacted XXXX XXXX for an explanation, I filed a complaint with them on the XXXX and on the XXXX I was called and told that they do not manually review any applications so despite the fact that I have good credit they will not issue a card. I feel that this is a discriminatory application process. I should not be penalized for paying off student loans - I am being a responsible adult in doing so. Furthermore, I am not certain that there aren't other discriminatory lending practices going on. Someone like me is likely to pay off the credit card so that I in fact to get the 0 % apr. Individuals that do not will be subjected to interest and fees. For that reason, the bank will not make money off of me. I have an excellent record on payments.
Product: Mortgage

i have been trying for 7 months to get a limited power of attorney from us bank to XXXX filed on my paid in full loan. i file a complaint and XXXX says they have filed what is needed but the attorney will not allow me to refinance until this power of attorney is filed making a clear deed of trust which it currently is not
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on XXXX separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Vehicle loan or lease

I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.
Product: Mortgage

My loan is being serviced by a company called The Money Source for the home I own in XXXX XXXX. Last year they paid all of my property tax payments late, resulting in {$400.00} of late fees that I was never reimbursed for. Following the late and inaccurate payments out of my escrow account, they proceeded to run an escrow analysis based off those same incorrect payments and predict an escrow shortage. Based on their prediction, they increased my mortgage payment {$300.00} a month even though I asked them to redo the analysis based on the the more updated information. They ignored that, proceeded to pay another incorrect payment out of my escrow account in the amount of {$3900.00} and now I have a balance of {$0.00} in my escrow account. When I asked them to get a refund for the incorrect payment, they asked me to call back and check on the status in 3 months. So now I am stuck with an escrow account that has no money in it and an increased month mortgage payment all because of a mistake that they refuse to take accountability for and have no urgency to fix. Their tax department is incompetent and Im so frustrated by the fact that I have no option but to be stuck with this loan servicer for the next 30 years. They have mishandled my account over and over again and there is nobody to hold them accountable but me. I am in desperate need of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reputation is being damaged which is affecting my credit worthiness making it difficult for me to operate in commerce. Federal Law states that you must have a permissible purpose for which I have never provided " written instructions '' for you or any other furnisher to furnish anything on my consumer report. This is a violation of the FCRA and I'm demanding you to remove these accounts from my credit file. You have an obligation to ensure that I have a fair and equitable consumer report, please fulfill it.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft causing fraudulent accounts to be opened. Please delete these accounts from my credit profile immediately. The accounts are below. 
- Achieve - XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since making a report with CFPB, Chase Bank in an act of Retaliation has now revisited a closed claim made on my account for an unauthorized transaction and retracted their approval and now my account is over drawn for {$180.00} which was an approved returned claim amount from XXXX
Product: Debt collection

I am writing to formally request the cancellation of the timeshare agreement I entered into with XXXX XXXX XXXX in XX/XX/year>. The contract was signed under false pretenses, and there were unethical and misleading sales tactics used during the presentation, which I believe violate consumer protection laws. 

Date of agreement signing : XX/XX/year> Debt : {$16000.00} I wrote letters XXXX XXXX XXXX XXXX XXXX Monterey Collection Svc stating the Issue and Grounds for Cancellation. 

1. Aggressive Sales Tactics : During the presentation, we were subjected to aggressive sales tactics for over an hour, with no regard for our wishes to leave. Four different representatives came to speak with us, creating pressure and making us feel as though we had no other option but to sign the contract in order to leave. 


XXXX. Misleading and False Statements : After signing the documents, the representative claimed that the contract would be null and void because of my sister 's marital status, stating that the agreement could only be valid with her husbands consent. The representative also said that my travel agency would conflict with XXXX XXXX XXXX 's policies, further suggesting that the agreement should be canceled. Despite these promises, we have since learned that our agreement was never voided, and it has been reported to a collection agency. 


3. Lack of Transparency and Unethical Practices : The entire process felt manipulative, and it is clear now that we were misled. We were forced to sign the documents to return to our resort, and the companys lack of transparency has resulted in the current issue with Monterey Collection Services, which is reporting this contract on our credit profiles.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan at the end of XXXX with Bethpage Federal Credit Union. Everything was fine in the beginning until covid hit. I started having problems making payments and requested assistance. The bank gave me a short forbearance and extended the loan to help, but I continued to struggle to keep the loan current all the time, but did make payments as I was able. Starting in XXXX I started to struggle financially as my wife became sick and as time went on required multiple XXXX  and was unable to work much over the year. In XXXX of XXXX I myself had to have XXXX due to a XXXX XXXX and was also out of work for 3 months. I contacted the bank about my financial hardship over the following months seeking some assistance with the loan. I spoke with a few different people over the phone with the bank about any options but was not offered much help and often got conflicting info each time I called. I was asking to extend the loan, lower payments or interest rate to help or any other options that would help along with making a payment right away to help get the loan into a better standing to get assistance. A few days after I last spoke with someone in XX/XX/XXXX I got a message from the bank that I only had 1 month of deferment left and that it would not help and it was too far behind, even though I was willing to make some kind of a payment to help. 
After that, I heard nothing further and then in XXXX I got a letter saying the loan was charged off, along with something about a profit/loss status, which I was unsure what that meant.After that letter I never heard anything again or got any request for payments, until XXXX I got served with a summons from a lawyer for the bank that I'm being sued for the remaining amount. This was a total surprise as I asked for help and made an effort to try to work something out with them before it got to this point and they offered little to no help even after I had paid more than half of the loan. I feel as though its unfair and predatory the way they handled this, I had a similar situation with them a few years ago and after it came out that they had multiple errors on a foreclosure they filed against me that got dissmissed, and said they would be retraining employees and making changes to avoid these types of problems in the future with unfair collection practices and employees not knowing about help that was available and never offered, I feel like nothing changed and its happening all over again.
Product: Credit card or prepaid card

Bought a prepaid serve card not long ago and was super excited to use the card. Everything was going fine until I changed my address out of state because I was moving there and amex XXXX  algorithm decided that it was time to permanently suspend my account. Called customer service and they were extremely lost and had no idea what was going on. Made me do a bank verification to check the address and since the address didn't match what I changed it to. They told me to basically go XXXX XXXX XXXX XXXX  myself and that I am permanently banned probably for life because of it. I was on the phone for hrs and hrs trying to ask what I can do to fix the situation and they couldn't care less. A customer service representative literally told me " u can't escalate this call and there is nothing u can do. '' I'm so XXXX angry and frustrated it isn't even funny.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, Equifax, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, Equifax, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure if I am complaining to the appropriate entity. However I am getting nowhere with the XXXX ( XXXX XXXX ) nor Experian. I have a credit card debt with XXXX XXXX that I do not dispute, it has been on my credit report since XXXX, On XXXX XXXX I called and set up a payment arrangement with the creditor, and my first payment is due on XX/XX/XXXX. I have been monitoring my credit very closely for the past year in hopes to be able to purchase a home. All of a sudden today XXXX XXXX I get a message from experian saying that the creditor has flagged my account and therefore my XXXX XXXX has gone down XXXX points. The creditor says that have changed nothing in the way they reported this month than they have done in the past and dont understand why my score would have been affected as nothing has changed. I have tried to contact Experian but get caught in the loop of voice prompts. I am not sure f this is something that your department can help with or possible point me in the direction of the people I need to speak wih. 

Thank you
Product: Credit reporting or other personal consumer reports

My account was in deferment. Then I paid it ontime every month. I moved in XX/XX/2019 and didn't get the bill at the correct address. I realized this 10 day 's past my due date. I called and paid off the full {$600.00} balance and asked for it not to be reported late due to only being 10 days late. They stated ok. XXXX is showing that it was paid on time XX/XX/2019, paid on time XX/XX/2019, XXXX XXXX days late, XXXX paid on time and closed in XXXX of XXXX. First how can you be 60 days late if you were never 30 days late. Each credit bureau reports different information. I have disputed 3 times with each credit bureau and called XXXX and nothing has been corrected. I'm trying to buy a home and my credit score is one point lower than it needs to be. Without this my score would be higher.
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 XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Checking or savings account

I am writing to you regarding my TD Bank account. I called today TD Bank customer service asking if they could please refund some of theoverdraft fees recently posted on my account. They were rude and refused to comply.The manager was not helpful either. 
I was pressed for funds and I was forced to overdraft but the TD bank system did not allow me to overdraft the amount I needed so I endedup using multiple smaller transactions XXXX XXXX XXXX dollar fee. Even an XXXX charge of XXXX cost me a XXXX dollar fee which is outrageous. In total I was charged XXXX dollars in overdraft fees! This is really excessiveand I was asking to please remove thosefrom my account.
Product: Debt collection

Attempting to collect debt that is not mine. Reporting collection to credit bureaus.
Product: Debt or credit management

I have been paying Lexington Law for over 2years now and I'm not seeing a difference.

I asked them to show proof of the work they have done and I never received a response