23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It unlawful to discriminate against anyone who has exercised any rights under the Consumer Credit Protection Act.Yet, directly after exercising my rights, filing a complaint with the CFPB USAA first limited my account access to all my accounts with no explanation, then froze my available credit only to finally close the majority of my accounts. The accounts they did not close, they have refused to grant me online access as well as refusing to mail me statements. Thus I do n't have any way of knowing what and when to pay. Their explanation for refusing to send statements to my remaining accounts was that I agreed to receive documents online thus they are unable to send statements. Yet it was they themselves who are preventing me from viewing the statements online. In addition they also began reporting negative information despite the accounts being in dispute. <P/>This was all done shortly after I filed a complaint with the CFPB in regards to their reversal of a finalized billing dispute a year prior, as well as their refusal to provide any documentation.
Product: Credit reporting or other personal consumer reports

'I disputed information on my credit report and asked for a reinvestigation on the XXXX XXXX XXXX account back in XXXX to validate the debt, the information is still on my report. They are reporting information on my report of an account being charged off and sold to another company, but they have not provided me with the new company information. There is a partial account number that can not be verified. They have failed to provide me with information showing what information they used to confirm that the debt belongs to me, they just keep the information reporting on my credit report. My rights have been violated and I have been impacted negatively because of this. According to the FCRA 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

They have not followed these laws but they are reporting this account on my report.
Product: Credit card or prepaid card

This now I have been fighting with and I have writtten emails and responses. This is COMMENITY bank overstock store cardI have Other commenity store cards that over the last 2 yrs my credit line has went up even in XXXX of 2021 applied at a different store and my credit line was opened at XXXX dollers. so why commentiy decreased my over few months and in XXXX decreased is to XXXX dollers never missed a payment and every time I ask WHY? write a letter I did got the same generic response due to info recieved from one of your credit repoerting agebcys... CONTACT them. What I reply why? so I do then am told what I know as my score ans all is correct I need to contact them. I reply I was told to ask you what info you send to them. NO NO NO mae We update what we recieve not the other way around contact the card issuer. I do again and told again contact your credit buerous. I do again I am told they have nothing to do with sending any information contact credir issuer. I have did this and Like I said have proof run around not since XX/XX/2021 no answer. also I asked ok I know what ever your doing is incorrect I know my credit score you might have me confused with someone else. I was tols again write a letter I recieve same generic response. also I ask WHAT ID I JUST REQUEST a limit increase so you can get current info. Is it a hard or soft inquiry? commenity response.. ( I dont know ) contact your credit bureau ... What again going in a circle. You dont know? No we dont have tht info write letter or secure email wich I did and again same resonse. So DONT THEY HAVE TO TELL ME IF IT IS A SOFT OR HARD INQUIRY>???? Before I do that? And there information is wrong it makes no sence. and my credit bureau HAS NOTHING TO DO WITH IT How they keep telling me ask XXXX, XXXX and CONTACT XXXX for questions ....
Product: Mortgage

CROSSCOUNTRY MTG/XXXX  is showing on my credit report that I have a late payment, but my balance is up to date could you please remove this from my credit report because it's bringing my credit score down. I do not understand why I have a late payment showing when I am currently in good standings.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation!

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: Credit card

Citi Fraud Department will NOT unblock my account due to hostile Citi employee because I wo n't answer my home land line phone and Cit Fraud Department has zero solution after elevating problem to XXXX XXXX XXXX 2 months ago. 

I have nowq been inconvenience three times when requesting emergency servcies as my accoun t is blocked and Ciit demadns I return home to my house to answer a phone. 

Citi Fraud Department is INCAPABLE of verifying my account to unblocmmy account without me being at home since I DO NOT own a mobile phone!
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS AFFIRM INC XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from AFFIRM INC WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Checking or savings account

In XXXX, I had my first bank account with Wells Fargo XXXX XXXX, MI. I didn't know about contacting anyone for help or what to do. Before my account was in the negative, I noticed several overdraft charges that put my account into the negative followed by a few charges that would have been covered had I not been charged. I then received even more overdraft charges which led my account to become around {$400.00} overdrafted. The teller at the bank could not help and simply sent it for " review ''. In the end, they wrote off the negative balance and closed my account, but never paid me back the amount that was taken before the first round of wrongful charges. I lost my home because of this. I was a homeless XXXX XXXX XXXX in a state with no family and nowhere to go because of this. I ended up XXXX  after XXXX XXXX  because I was homeless with nowhere to go. 
Recently, I tried reaching out to Wells Fargo online to ask about getting reimbursed the amount that was taken, and I was very polite about it. I got a case number but then heard nothing else from them. Last email I received told me to log into my account, but I no longer have an account for obvious reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX  is reporting a late in XXXX and XXXX. They also have my account coded as XXXX ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) Trans Union is reporting a 30 day late in XXXX and they are also coding this account as XXXX, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX   has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.
Product: Credit reporting

I had a public record vacated from the State of New York ( Reference # XXXX ) for {$410.00} filed on XXXX/XXXX/2001. I disputed the item with XXXX, Equifax and XXXX since it was vacated, and I did not owe the monies to the state. XXXX and XXXX validated the account and removed it from my credit, but Equifax has not done so. The must validate the account, and remove it asap.
Product: Credit reporting or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C WITHING 4 BUSINESS DAYS. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, R XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX before making purchases I had a credit balance $ XXXX my actual purchase totaled {$590.00} Subtracting {$74.00} from {$590.00} equal {$510.00}. When I call the credit card it has my current balance {$510.00} / fine. 
There are items not received and some showed delivered that were not delivered. 
I will list all details : Order numbers and dollar amounts charged : XXXX {$320.00} I received XXXX {$110.00} XXXX received last XXXX items today XXXX = XXXX canceled XXXX = {$47.00} XXXX received XXXX XXXX / XXXX XXXXr was missing it was re-shipped / delivered credited & recharged XXXX {$21.00} XXXX received XXXX {$49.00} not delivered/ not received gift to other state Macys was to email me Papers on the mot received item. I made request twice still not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to COMENITY BANK/XXXX agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting COMENITY BANK/XXXX agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

There are multiple accounts opened in credit my report and from the timeline of these years, I was away. 
Around about the years of XXXX to XXXX. 
From the end of XXXX to close to the end of XXXX. 
From XXXX to XXXX. 
XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX to XXXX. 
The end of XXXX to XX/XX/XXXX. 
Between these years the only time I had any credit was when trying to further my education. Other than that it seems as if my report is inaccurate, therefore if at all possible may I request everything anyone has misused while I was absent? I believe my absence may have been done on their part. Thank you!
Product: Credit reporting or other personal consumer reports

After multiple attempts credit reporting errors are still showing on my credit report Violation of 15usc1681 section a thru i.also Violations of no surprises act and the cares act of2022.
Product: Money transfers

I purchased a ring as described as a certified XXXX yellow gold Alexandrite ring on eBay and paid using my PayPal account. After receiving the said merchandise I verified the information with my jeweler and the jeweler informed me that this ring was not XXXX gold and the size of the alexandrite did not match the certification documents. Contactingboth EBay and PayPal they said they could not help me with my claim as they bothclosed my claims without informing me. As noted in the eBay terms of use it clearlystates in their money back guarantee states " If a buyer suspects that an item is counterfeit, and there are strong indicators that the item is counterfeit, we do n't require the buyer to return the item to the seller. The buyer agrees to cooperate with us to ensure the proper disposal of the item. In such instances, we refund the buyer for the full cost of the item and original shipping, and the seller reimburses us for the refund. The buyer may not sell the item on eBay or elsewhere. '' XXXX EBay Money Back Guarantee XXXX. As EBay and PayPal unable to resolve my issue as informed by representatives of XXXX company 's they informed me to file a claim with my bank. It is quite frustrating how EBay does not honor their own money back guarantees.
Product: Credit card or prepaid card

I submitted a transaction dispute on XX/XX/2021 with Bank of America for {$340.00} on a service I never received from XXXX after not being able to resolve the issue with XXXX. I was provided no communication about its progress and on XX/XX/XXXX, Bank of America refunded {$14.00} and closed my dispute saying I never returned a letter signing that I wanted to continue the dispute. 
I called multiple times to receive this letter between XX/XX/XXXX- XX/XX/XXXX to via mail, fax, or their website messaging application. One of Bank of America 's Manager position in the disputing department even acknowledged and stated that they have not sent the letter. I never received the letters with any of my attempts. 

On XX/XX/XXXX, I physically went to one of Bank of America 's branches to obtain the letter and send it with my proof on the transaction dispute. I was given outdated letters to sign and reassured by a Bank of America client representative that it was ok because of the situation and that I had yet to receive the letter. 
On XX/XX/XXXX, I returned to the same bank to give the letters and check that I was doing everything I needed to resolve the issue. 

On XX/XX/XXXX, Bank of America declined my claim again and stated it was because I did not send the proof and information regarding the dispute soon enough, retracted the refund of {$14.00}, and that they reported my disagreement with the Credit Reporting Agencies ( XXXX, XXXX, XXXX, and XXXX ) **Previously I purchased a stay reservation through XXXX for XX/XX/XXXX - XX/XX/2021with my Bank of America Cash Rewards Credit Card . Through their service agreement, I expected XXXX to arrange me a reservation at XXXX XXXX for the specified date.On the day of the reservation, I am notified by the hotel staff that my reservation had not been established because XXXX did not provide XXXX XXXX their portion of my payment charged through XXXX. I was forced to look for a different place to sleep without a refund day of my reservation. I was unable to resolve the issue with XXXX. 

- XXXX XXXX provides proof from XXXX XXXX that XXXX failed to provide their service obligation for the reservation date. 

- Doc 2 is the letter I provided Bank of America regarding my attempts to resolve the issue with XXXX and detailing the dispute along with Doc 1 on XX/XX/2021 - Doc 3 provides information and date about the physical Bank of America I went to that provided the claim continuation letters. ( I signed the letter I was provided on the same date I received them on XX/XX/2021 ) - Image 1-3 are the documents a Bank of America representative provided me to use to continue the dispute assuring it was ok to use because of the situation and that I had not been provided the letter. 

- Image 4-6 details my reservation with XXXX
Product: Student loan

I was a student at XXXX XXXX in XXXX, Montana. During my time there I was enrolled in a special program called XXXX. The college, without warning, dropped the degree field overnight not allowing students to finish. The degree was not transferable. I am now stuck without means to pay off the loans and no way of finishing a degree to pay them off. I have been duped. There is no means to my knowledge to have my loans relinquished which is of very poor taste. Please HELP!!
Product: Mortgage

on XXXX I made a mtg pmt of XXXX it was my payment plus my escrow shortage amount of XXXX. This was applied to my account incorrectly they posted the whole XXXX to my escrow account which didn't make my XXXX pmt. I sent an email that was never answered before XX/XX/XXXX through the mortgage companies email system. It stated I needed to wait 5 days for a review so I did. On XX/XX/XXXX I called and waited over an hour to speak with a supervisor named XXXX ( a female no last name no ID # was given to me. ) I explained the scenario to her and she assured me it would be fixed and not to worry. I was also concerned at this point I would be late for XXXX and wanted to make my XXXX normal payment she took it over the phone. On XX/XX/XXXX the payment I made for XXXX was applied to my account but did NOT advance my due date. So I've now made XXXX and XXXX pmts that were both applied incorrectly and it looks like I owe 2 months. On XX/XX/XXXX I email again requesting a call back from a Supervisor ASAP. On XX/XX/XXXX I call back since I still have not heard from anyone and I speak to XXXX who is a customer service rep who says he will expedite this process and it will be corrected by XX/XX/XXXX. On XX/XX/XXXX The issue is still not corrected I call back again and wait 45 mins to speak with another Manager J ( again no last name no ID # given ) She tells me she will expedite this and needs some time to figure out what is going on and states she will call me back. When we are talking she tells me I have a check being mailed to me from my escrow for {$1100.00} and I was very upset they were supposed to reverse this and reapply as 1 payment and put the 50 shortage into escrow then reanalyze my escrow so my pmt amount would be corrected. I ask her to stop payment the check immediately and reapply it properly. She says she will work on it and call me back. On XXXX My XXXX payment is now due and they still don't have my account fixed so I call again this time I talk to a supervisor named XXXX ID # XXXX. XXXX says he want to research and talk to the Supervisor XXXX ( he says her name is XXXX ) and he will call me back on XX/XX/XXXX. Today is XX/XX/XXXX and I still have no answers and need to pay my mortgage for XXXX now. I have been told that my credit reporting was surpressed but I'm not sure what to believe since no one there is telling the same story. Break down is I need a stop payment issued on the check they sent me apply it to my XXXX pmt and my XXXX escrow shortage then apply my XXXX pmt properly. Once that is complete I need to make my XXXX payment ASAP. I refuse to send them more money until my history is corrected. I am also applying to refinance this mortgage with another company which I told several supervisors and I need a corrected history to provide to the lender. I can do any of this until its corrected