23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank Of America allows user to create a bank account on their app. The process is easy and near predatory with it being advertised on the apps home page right next to your current account. The predatory part begins when they don't allow users to then cancel an account on the app as well. Claims of security compliance will be tossed around but if the user can safely create an account on the app then the company should be required to create a safe way to cancel the account on the app. I've tried to cancel an account multiple times now and if you don't have multiple hours to wait on hold or go into a location and wait in person you have no way to cancel your account. This wouldn't be a problem if they weren't allowing people to create an account with a disproportionate ease compared to the difficulty of canceling an account. It's a criminal act and they should be penalized and be forced to change this practice.
Product: Credit reporting or other personal consumer reports

During the last few months, I have noticed a collection account on my credit report from HWARFIELD ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Checking or savings account

I received an official letter from Wells Fargo Bank indicating I have a checking account. The letter came to my workplace as the address and not my home. I did not consent to this process. I never attempted to apply or sign any document. I worry there is someone using my name without my consent or as part of a Fraud scheme. I know Well Fargo Bank was had similar issues in the past, and this seems to continue to impact people. So this complaint to further seek accountability for ongoing consumers exploitation. I have called the bank XXXX XXXX number and they put me through the automatic answer machine where I was able to verify this account in the Wells Fargo Bank system. I need to know where they found all my personal protected Information. Who signed the document on my behalf and without my consent. I am afraid this violates my privacy and confidentiality protected by law. I am looking for credit protection in case there is someone tampering with my personal information. Also, I need our government to step up and protect it is citizens from such violations. They say " If you see something say something ''. I did my part please US government do your part. I greatly appreciate this opportunity to allow consumers to attempt to resolve problems. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXXXXXX and now by the Credit Bureaus Equifax Information Services, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ) why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA Law Day by day. They do what ever they want with your consumer report and No one stops them.
Product: Debt collection

Initially I contacted XXXX XXXX and let them know I had no idea what this was nor have I ever received any items from them personally. Time passes and now I'm receiving a collection notice I'm a debt collector company called oliphant USA I never shop at XXXX XXXX. Supposedly I bought some anti-aging cream I'm a XXXX XXXX XXXX XXXX man I don't need anti-aging cream nor have I ever bought anything of the sort I let them know this and they are insisting that the debt is mine which it's not I am getting extremely offended and tired of dealing with them and this fraud and do not wish for it to impact my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple attempts to rectify this situation by contacting the reporting agencies and companies involved.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied for a $ XXXX loan with Navy Federal Credit Union to help pay off some debt. I submitted my application and was denied based on information in my consumer report. Well, I appealed their decision and was yet again denied based on information in my consumer report. I have been discriminated against based on bias information in my consumer report which is against the law. 

I, the consumer a natural person, was denied credit by NFCU when I applied for a $ XXXX loan on XX/XX/2023 Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691C and is pursuant to civil liability under 15 U.S.C. 1692k. You can not deny me based on information in the credit profile as that is discrimination which is prohibited and a violation.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by NFCU.

NFCU is in violation of 15 U.S.C 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

You are in further violation because my social security number ( credit card 15 USC 1602 ( L ) ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU.

If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

I will also follow up with an invoice for all violations ( { {$1000.00} } per violation ).
Product: Credit card or prepaid card

The account should have been in COVID forbearance and not negatively reported for the months of XXXX, XXXX and XXXX, however they reported the account late and also I recently have made a payment and have paid off the account and they are not showing my on time payment in the credit report. I need them to fix my credit information as it is negatively affecting my credit rating,
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I had opened a case up a couple of months ago explaining the same issue I'm about to explain today, klarna resolved my issue once I opened a case up with CFPB but my Klarna account has reverted back to not allowing me to make purchases even though I have buying power available and I have made no changes on my personal information to cause my purchase thru Klarna to be declined. If you could please help me get to bottom if this once and for all, please this is so frustrating and ridiculous why my account has to continue to be locked up whenever they feel like freezing it for no good reason and then it's like pulling teeth getting them to fix it. Please help me with this.
Product: Credit card or prepaid card

I lost my purse XX/XX/2021 around XXXX  when I was in XXXX and the person who got my purse made multiple different unauthorized purchases using my credit cards. 

This includes a transaction of {$1400.00} ( XXXX XXXX XXXX ) with my Bank of America credit card. Another transaction of {$51.00} with my Bank of America credit card was rejected automatically. 

I reported the credit card loss and the unauthorized transaction ( {$1400.00} ) to Bank of America on XX/XX/2021 night and requested a replacement card. 

After one month, I was notified by Bank of America that my fraud claim was declined. Because " the chip was read, your PIN was entered and/or you signed for the merchandise or service ''. I called Bank of America again provided additional details, like policy report number and information like I don't have a PIN for the credit card and my ID was also in the lost purse. However, they declined the fraud claim again with the same excuse. 


I have never been to the store ( XXXX XXXX XXXX ) and my other fraud claims in other banks are all approved. My credit card doesn't have a PIN and I don't believe Bank of America has ever checked the signature and confirmed that is from me.
Product: Debt collection

Rushmore loan management foreclosed & sold my property without my acknowledgement, signatures or any attempts to involve me in the process. I was a co-applicant ( co-borrower ) on loan with my ex-wife who was also a co-applicant. Neither of us were a co-signer. As explained to me when mortgage companies attorney was questioned as to whether or not they were comfortable in proceeding without my consent or knowledge they answered yes. How could a foreclosure & sale & mediation pass through all the courts without my presence or knowledge or any thing from me.

Furthermore, the lender 's failure to follow the statutory requirements chilled the bidding at the foreclosure sale and, as a result, I am now liable for a larger deficiency judgment.

Thank you. 
XXXX XXXX and XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/XXXX and recorded in Deed Book XXXX Page XXXX XXXX County, Georgia records ; as last transferred to or acquired by XXXX XXXX, XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir/Madam Re : Case numbers 1. Complaint XXXX about WELLS FARGO BANK 2.  Complaint XXXX about WELLS FARGO & COMPANY. 

Even though we complaint to CFPB but we still did not get any resolution from Wells Fargo yet, instead of they are forcing us to close the application in short period of time, if not we are responsible for addition fees or we have to drop the case. We feel we got treated unfair and discriminate from Wells Fargo as we have been pushing them to resolve the issue since XXXX XXXX by sending almost daily email. We keep following up with them day after day, and month after month until XXXX XXXX, XXXX that they force us have to close our loan in XXXX XXXX, XXXX which is a week from now. Due to the holidays season is just around the corner and we have tied up with other things we need to take care off. We knew XXXX XXXX is not a good schedule for us to deal with the loan situation ; therefore we have been pushing Wells Fargo since XXXX XXXX by sending daily, monthly emails trying to cooperate with Wells Fargo to resolve the issue prior to XXXX XXXX. But unfortunately, day after day and months after months, they ignore our request completely. We feel like we have been treated unfair due to discrimination and racial from Wells Fargo Bank.
Product: Credit reporting or other personal consumer reports

Kindly delete this account from my report because I have no idea or knowledge about it. I have also reach out to the below companies to inform them that I didnt request for any auto and credit card. 

Please delete the below hard inquiries from my report because its as a result of identity theft on my account. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX. Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. Lender : XXXX  XXXX Date : XX/XX/XXXX XXXX. Lender : XXXX  XXXX  FIN Date : XX/XX/XXXX XXXX. Lender : XXXX CARD Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX XXXX Lender : XXXX XXXX XXXX XXXX XX/XX/XXXX Lender : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Lender : XXXX XXXX  Date : XX/XX/XXXX Lender : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Lender : XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Lender : XXXX XXXX XXXX XXXX XX/XX/XXXX Lender XXXX XXXX XXXX Date : XX/XX/XXXX Lender : XXXX Date : XX/XX/XXXX Lender : XXXX XXXX Date : XX/XX/XXXX Lender : XXXX XXXX Date : XX/XX/XXXX Lender : XXXX XXXX Date : XX/XX/XXXX Lender XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Lender XXXX XXXX XXXX Date : XXXX Lender : XXXX XXXX Date : XXXX Lender : XXXX XXXX XXXX XXXX XXXX XXXX Lender : XXXX XXXX XXXX Date XXXX XXXX Lender : XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Lender : XXXX Date : XXXX Lender : XXXX XXXX  XXXX Date : XXXX Lender : XXXX Date : XXXX Lender : XXXX XXXX  Date : XXXX Lender : XXXX XXXX XXXX Date : XXXX Lender : XXXX XXXX XXXX Date : XXXX I will greatly appreciate if my request is granted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX*****. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.
Product: Debt collection

I RECEIVED AN ALERT FROM XXXX XXXX BECAUSE A COMPANY CALLED XXXX XXXX REPORTED AN ACCOUNT ON MY CREDIT REPORT FROM WHICH THEY PURCHASED A DEBT FROM ANOTHER COLLECTION COMPANY NAME XXXX XXXX XXXX XXXX XXXXXXXX XXXX.I DID NOT RECEIVE MY RIGHT TO DISPUTE THIS DEBT AND I HAVE NOT EVER HEARD OF THIS COMPANY BECAUSE I HAVE NOT DONE BUSINESS WITH THIS COMPANY AND THEY IS IN VIOLATION OF THE FDCPA AND NEED TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.
Product: Payday loan, title loan, personal loan, or advance loan

The company TOMOBOOST I opened a account with isnt reporting to none of the credit bureaus like its supposed. Plus, the account had just dropped today all of a sudden out of nowhere from XXXX. I open this account in 2023, my account has now suddenly just dropped off my credit report and all thought that it was fully paid off I just dont understand how I pay a {$1000.00} for something and its not even providing the service that is said it would its literally doing nothing that is supposed to do at this point. Then to make it even worse, the account has never once appeared on XXXX or XXXX
Product: Credit card

Amount of {$100.00} has been paid to " Collection SVC of Athens '' as of XXXX. Both parties agreed that this record will not show nor appear on any of XXXX credit bureaus and any credit reports hence making payment.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

I submitted a complaint to equifax regarding this company and when I attempt to upload a document in this case a court order ( automatic stay ) the company website says : " we are unable to to upload your document at this time. '' It has given this message numerous times for over 1 month. This is an affects all consumers because you can not upload or give notice to creditors regarding your dispute. You then have to pay for a certified letter with return receipt in order to confirm both equifax and the creditor have received notice of your dispute/court order. One has to wonder ... Is this by design? Given the history of Equifax. They have to fix this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a TJX Rewards Card. The application was denied by XXXX XXXX, Creditor. I received the written explanation on XX/XX/XXXX which stated that the decision was based on XXXX reporting " applicant is deceased ''. I complained to you about this XXXX and XXXX  responded that they did not deny me credit and they have no record of my being deceased. I then obtained my full credit report from XXXX   which in fact, shows no credit denial, no deceased and no problem. I have called and written Synchrony with no results. I request your help in having these " errors '' corrected. Their wrongful credit denial caused me a great deal of public embarasment, a 10 % cash discount and future benefits associated with the reward card. There should be a penalty for their sloppiness, and poor attitude. They make no effort to correct the lies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account XXXX XXXX XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Direct Recovery Services contacted my Employer and left a voicemail on XX/XX/21 at XXXX XXXX on my Employers General Mail Box that is checked by various receptionists, and there message was VERY detailed but mentioning the EXACT amount of my debt, as well as optional payment amounts for settlement. This was VERY EMBARRASSING AND INVASIVE as again, this was left on my Employers general mailbox where numerous people/employees have access too.