23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I can't specify how a payment should be applied and they make me wait until a few days after to get it applied to additional principle. In XXXX I reached out to have my overpayments be applied to additional principle. It is now XXXX and showing that I owe XXXX dollars in XXXX. I keep asking for them to show me when past payment got changed credited to additional principle and they have not shown me. I can't see what dates payments get applied. I now worry that all of the time I have tried to make additional payments since XXXX were applied erroneously or on the wrong date. I will try to refinance but in the meantime I want this fixed.
Product: Credit card

I opened a dispute for a defective XXXX XXXX  on XX/XX/year> ( Case ID : XXXX ). On XX/XX/year>, Barclays left a voicemail requesting that I contact them. I returned their call on XX/XX/year>XXXX  with no luck in getting a rep, and again on XX/XX/XXXX, XXXXboth calls were recorded. 

On XX/XX/year>, I spoke with a representative named XXXX, who informed me that Barclays had closed my dispute under the assumption that I no longer wanted to continue it. This is false, as I made multiple attempts to reach them. Barclays appears to be deliberately closing dispute investigations and misrepresenting customer interactions, seemingly hoping that customers will give up. 

Additionally, Barclays fails to provide any documentation or evidence to support their decisions when denying disputes. This lack of transparency and accountability is unfair and unacceptable. I request that my dispute be properly investigated and that Barclays be held accountable for their misleading and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted trans union on XX/XX/2020 and again today XX/XX/2020 spoke with XXXX XXXX supervisor  in fraud department and special services. I call to dispute and remove this incorrect collection item remove from my credit file. This item does not belong to me. XXXX XXXX XXXX {$5800.00} Needs attention HIGH IMPACT XXXX XXXX stated to me I will not dispute this item and proceeded to ask and I quote " Do you have an account with another creditor XXXX XXXX. After XXXX XXXX ignored my request i stated my request for the second and third time this item does not belong to me. XXXX XXXX finally stated he would dispute item as not belonging to me with confirmation number XXXX.This creditor has not validated or provide me with these items I request any of the following : 1. Full accounting for this account. 2. Copy of the assignment of purchase from the creditor 3. Every charge and what was purchase, fee.payment, credit, interest 4. How you calculated what you claim I owe 5. ( Fields v. Wilber Law firm-Coppola v Arrow Financial Services ) 6.Full chain of assignments from charge off to present 7.Proof that you own the debt with full clear title 8.Proof that you were on the original contract
Product: Bank account or service

On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Bank of America via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Bank of America on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Bank of America. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Bank of America centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said " You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015.
Product: Debt collection

I have attempted to locate the alleged debt and can not find any record of ever creating an account with XXXX XXXX XXXX or Resurgent Capital Services. A debt of {$180.00} was originally reported on XX/XX/2017, stemming from XXXX XXXX XXXX 

I contacted XXXX and they were unable to confirm an account or any balance. 

I've sent letters requesting any of these entities validate the debt, and if they are unable to, then to remove the account from my credit file. I have not gotten any response in over 1 year.
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my dispute by Bank of America. On XX/XX/year>, I reached out to Bank of America regarding a XXXX XXXX XXXX  purchase made on XX/XX/year> in XXXX XXXX, which I realized was from a non-reputable company. 

Here are the details of my situation : 1. **Initial Concerns : ** After the purchase, I discovered that the company had a negative XXXX rating and multiple negative online reviews regarding their service and inflated prices. 
2. **Sales Environment : ** The presentation was conducted in a highly intense and persuasive environment. Despite my better judgment, I made the purchase after the vacation representative verbally assured me that I could cancel the package by contacting a company representative, and that the company offered a money-back guarantee. 
3. **Failed Communication Attempts : ** I attempted to contact the merchant multiple times via email and phone. No one answered my calls, and my emails were returned as " address not found, '' confirming my suspicion that the company might be a scam. 
4. **Bank of Americas Response : ** The credit card representative did not document my reported interactions with the company. I was given incorrect information about where to fax my documents. My documents were not uploaded to my account, causing me to make several calls to verify receipt. Eventually, my dispute was denied with a notice advising me to resolve the issue with the unreachable merchant. 
5. **Further Attempts : ** Despite my continued efforts to reach the merchant, I was unsuccessful. On one occasion when I did reach someone, I was told that they could not assist me because I needed to contact the specific office that signed me up. They provided no further assistance in locating that office. 

I am seeking your assistance in resolving this matter. I believe this company is a complete rip-off, and I am simply requesting a refund. Bank of Americas mishandling of my dispute has caused me significant stress and inconvenience. 

Thank you for your attention to this matter. 

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

Transunion keeps allowing a third party debt agency whom I don't know and have never had business with to post negative reports on my credit account repeatedly which lowers my score month after month. This despite disputing XXXX , XXXX XXXX XXXX , XXXX 's alleged claims agaist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : $ XXXX Late/Closed XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} - Collection
Product: Debt collection

I was contacted by Ace Express regarding an old loan. They threatened to remove the funds directly from my employer, and or to file a lawsuit. They were very aggressive and used scare tactics to get me to pay the loan I had in full. They called several times prior to me making the payment. I made the full payment of {$320.00} on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these inquiries ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX XXXX Inquiry Date XX/XX/23, XXXX XXXX Inquiry Date XX/XX/23 and XXXX XXXX XXXX Inquiry Date XX/XX/23 XXXX XXXX Inquiry Date XX/XX/23 XXXX XXXX XXXX Inquiry Date XX/XX/23
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong tome and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Equifax XXXX XXXX RE XXXX NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING This is a NOTICE & DEMAND to equifax that the listed XXXX ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Remove this inquiry immediately because this is the result of identity theft. XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. FDCPA Section 807 Violation Misleading False Reporting. XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. FDCPA Section 807 Violation Misleading False Reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Credit card or prepaid card

Hello. I am here because I have no where else to go. I had been approached for unemployment benefits with benefits starting XX/XX/XXXX. As of today, XX/XX/XXXX I have yet to reciprocate my edd card from Bank of America. I had unemployment benefits within the last three years but am no longer in possession of my old card. After realizing that is where my initial deposits will be going contacted Bank of America to replace it with a new card which I was told was going to arrive 7-10 business days. Two weeks passed and nothing in the mail so repeated this after verifying my address which was accurately reflected on my account. I called again today after yet again no sign of card though I was informed it was mailed XX/XX/2020. The agent informed me Bank if America made an error in doing a standard shipment instead of express apparently. Granted 15 days is over either limit while I have been wrecked financially charging up credit and damaging hard earned credit. I asked to speak to supervisor but the agent refused saying they Re not  'trained to do that ', essentially refused to assist me any further besides repeatedly telling I can get yet another card issued. I made repeated calls only to be told to hold while being bounced around with no resolution, adding to distress in top of existing emotional trauma caused by having to continue to wait for payment approved back in XXXX and this is XX/XX/XXXX. One of the last agents I spoke to informed me I should be getting a call back in half hour at the most to resolve the issue and I waited over an hour with no call. I called back again and once agony I am being told to hold again and again while being told ' I am waiting for a resolution ' by the agent just like all of them and finally gave up and decided to fike this complaint in addition to seeking legal advice on how to proceed to see and convince these institution to show any kind of regard to human suffering. I am quite certain I am only one of  many left in this limbo and unspeakable distress and lack of sleep through no fault of our own and intend to reach out to all affected nationally to address the indefensible BREACH of duty Bank of America seems perfectly OK with with respect to folks suffering from unemployment while I am sure assessing the government and thus taxpayers fund fir service they are not devoted to providing. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentially under 15 U.S.C. 1681 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

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: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX Code XXXX - Civil Liability for Willful Noncompliance, XXXX XXXX Code XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXX Code XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX XXXX. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX XXXX XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, XXXX XXXX Code XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law XXXX XXXX. XXXX ( c ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.