23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It's important to understand that Bank of America acquired XXXX XXXXh in XXXX. Therefore, complaints often involve Bank of America and Merrill Lynch together. Based on the information received, here are some key areas where complaints and legal issues have arisen : Securities Fraud and Misrepresentation : A significant area of legal contention has involved allegations that Bank of America made false or misleading statements about the financial health of both Bank of America and XXXX XXXX  during and after the XXXX acquisition. This led to class-action lawsuits from investors.

There have been accusations of misrepresentation regarding financial products and investment strategies.

Regulatory Violations : XXXX XXXX  and its parent company have faced fines for failing to properly supervise trading activities and for violations related to reporting suspicious activities. For example failure to file Suspicious Activity Reports ( SARs ). 
There are also issues regarding failure to maintain adequate supervisory systems. 
Employment and Trainee Program Issues : Complaints have surfaced regarding misrepresentation of trainee program conditions, aggressive sales tactics, and pressure on employees.

General Financial Crisis Related issues : Much of the early litigation was based around the conduct of merrill lynch leading up to, and during the XXXX financial crisis. 
It is difficult to find information about the specific situation of a property being sold as a stock without notifying the property owner, without more specific details. Real estate transactions and securities transactions are governed by complex laws, and any such situation would likely involve very specific legal BofA XXXX XXXX XXXXXXXX XXXX XXXX was sent to us as the new address and company that was assigned to our mortgage.Yet Listed in Georgia Corporation Division in XX/XX/XXXX Bofa XXXX XXXX XXXX XXXX XXXX had a control number XXXX a XXXX XXXX is the XXXX that was assigned as the party of President of Limecube Limited Private Company limited by shares XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A few years ago, I lost money through Zelle when I sent it using my XXXX  account. At the time, I didnt realize that Zelle works like handing over cash. Once the moneys sent, you cant get it back. XXXX didnt make that clear to me beforehand, so I thought thered be some kind of protection if something went wrong. It wasnt until later, after Id already been scammed, that they explained those details. If Id known that upfront, I wouldve been more careful about who I sent money to. Unfortunately due to events like this, ive decided to leave XXXX.
Product: Credit card or prepaid card

Hi, Recently I made a purchase, using my linked Capital One Platinum Credit Card, via XXXX to a Seller in XXXX. The Seller was charged approx. {$50.00} USD for the transaction. I was then charged a {$30.00} Cash Advance Fee & {$4.00} in interst charges in conjunction with the Cash Advance Fee. The transaction was also listed as a Cash Advance, which lead to a higher interest rate. i was never notified of these charges, prior to the transaction. I have used this same Credit Card through a linked account with Paypal & never had the transaction charged as a Cash Advance. I would ask Capital One please refund the {$30.00} Cash Advance Fee, {$4.00} Cash Advance Interest & have the transaction listed as a Purchase, rather than a Cash Advance. Thank You. 
XXXX XXXX
Product: Credit card

I applied for and was approved for a credit card account with Capital One a few months ago. However, I never received my physical credit card or debit card. Additionally, the mailing address on my account has been repeatedly changed to random locations across the United States without my knowledge or consent. 

Between XX/XX/XXXX and XX/XX/XXXX, I used the digital card for a few small purchases : XXXX : {$22.00} XXXX XXXX  : {$18.00} and {$15.00} ( both amounts were fully refunded ) XXXX  : {$36.00} XXXX : {$16.00} In XXXX, I made a payment to cover the balance I owed, as I was not actively checking the account and believed I had fully paid what I used. 

However, starting XX/XX/XXXX and continuing through XX/XX/XXXX, there were multiple fraudulent charges on my account that I did not make, including : {$16.00} {$16.00} {$8.00} {$46.00} {$61.00} Additionally, a fraudulent external account from XXXX XXXX XXXXXXXX was added to my Capital One account. I suspect this is connected to whoever has been changing the mailing address on my account. 

I have contacted Capital One multiple times to address this situation, but I have faced significant challenges : I have been hung up on during calls. 
I have been told I would receive follow-up calls in a few business days or weeks, but I never received any callbacks. 

On XX/XX/, I spoke with a representative AGAIN who claimed they could not help me and insisted that I provide documentation to prove the fraudulent XXXX XXXX XXXXXXXX account was mine, even though I repeatedly stated it is not my account. She also falsely claimed that the external account could not be removed due to account restrictions. However, I was later able to remove the fraudulent account on my own. 
Throughout this process, I have experienced a lack of support, transparency, and action from Capital One, which has caused significant emotional and mental stress. I am seeking assistance to resolve the fraudulent activity on my account, recover any funds lost due to unauthorized transactions, and ensure my account information is secure going forward. 


I forgot to also mention that I have INDEED been through two breaches with this bank and having my information shared to third parties? This bank isn't trustworthy towards me anymore in my opinion.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

American Express is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote AMEX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now AMEX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, AMEX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table AMEX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt AMEX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) AMEX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet AMEX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX XXXX XXXX Account Number # XXXX ( XXXX ) - 30 Day Late Payment XXXX to XXXXXXXX XXXX XXXX  AccountcNunber # XXXX ( XXXX ) - 30 Day Late Payment XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Debt collection

I received a phone call and voicemail at XXXX XXXX Central Time from ( XXXX ) XXXX. The message was from Creditors Bureau Associates in XXXX, Georgia. When I returned the call, XXXX answered, requested my phone number, asked me to verify my first and last name, once I verified, she then requested my Date of Birth to verify my identity. I stated that I was not comfortable providing personally identifiable information over the phone to include date of birth or social security number for a call or service I did not initiate. She stated she could not provide information regarding the debt without me verifying my identity or it would be a violation of HIPAA laws. I am not aware of any outstanding bill or debt to any company, service or healthcare provider prior to receiving this call. I intend to file complaint to the company that forwarded my information to debt collections without contacting me first once I learn what company initiated it.
Product: Credit card

My Visa credit card was repeatedly charged after I authorized a single payment and even though the company rep originally apologized for the mistake, saying they would refund my money within 3-5 business days, I never received my refund and the rep no longer works there. I have filed numerous complaints with agencies and organizations but no one will help me get my money back. My last complaint was filed here earlier this month, Case number : XXXX, but I was recently sent the response " We reviewed your complaint and could n't send it to the company for a response ''. You had asked for additional information to the four months of credit card statements showing the charges on my card but since I was not the renter I did not have the rental documents and I am guessing that you chose to drop my case as opposed to investigating it. I just found my documentation from the XXXX complaint I had filed with detailed information on the company that I had lacked when I filed both of my previous complaints so I will submit a copy with this follow-up complaint in hopes of getting something done to get my money refunded to my credit card, plus the interest and fees that continue to increase that debt every month.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and disappointment regarding the handling of the many attempts to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during today 's attempt to remove fraudulent items. Failure to address these issues promptly not only compromises the integrity of the process but also undermines the trust. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I filed a complaint with the CFPB about my PayPal account being closed for no reason. PayPal responded saying they would release the money minus any returns on or before 180 days of the account being closed. On XX/XX/2021 PayPal took XXXX out of my account with no explanation. I have tried to contact Paypal support and they do not do anything about it. They promised that this money would be released after XX/XX/2021, which I had no choice but to deal with. Then they take the money out of the account XX/XX/2021. Leaving a total balance of {$0.00} in my PayPal Account. I am missing a total of {$91000.00}. I need this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL, XXXX XXXX XXXX XXXX PRESTIGE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Credit Report Information Under 15 U.S. Code 1681o - Civil Liability for Willful Noncompliance Dear Sir or Madam, I am writing to formally dispute the accuracy of certain information on my credit report. I recently reviewed my credit report from your agency, and I believe that there are inaccuracies that need to be corrected. The information in question is as follows : Account Name : PRESTIGE FINANCIAL SERVICES Account Number : XXXX social Security XXXX I am requesting that you investigate this matter promptly as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i which mandates credit reporting agencies to correct or delete inaccurate or incomplete information. The information in question does not reflect my true credit history, and I believe it was reported in error or was otherwise not properly verified.

As you are aware, 15 U.S. Code 1681o provides for civil liability in cases of willful noncompliance with the provisions of the FCRA, including the failure to investigate disputed information or failure to correct inaccurate data. I trust that you will take appropriate action to ensure that my credit report is accurate and fully compliant with federal law. 

Please notify me of your findings, and if any errors are found, I request that they be corrected promptly. If the information is not corrected, I expect a clear explanation of why the disputed entry will remain on my credit report.

Please provide a written response to this dispute within 30 days of receipt, as required by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

ATTN : SPECIALIZED LOAN SERVICING : The response packets were received. We have found irregularities and are requesting a correction for the second request in the CFPB complaint # XXXX dated XX/XX/XXXX that ask for the first time SLS sent us the note version with the XXXX XXXX XXXX endorsement, SLS replied with it being their response dated XX/XX/XXXX to our communication dated XX/XX/XXXX. This is wrong! that communication contained mortgage assistance and foreclosure forms no note or disclosure statement. We explained about the breaches and problems that had been encountered and why we felt the need for special consideration for lower rate and principle reduction as found was given to XXXX XXXX XXXX for the predatory lending of XXXX. The copy SLS kept providing had a clause allowing signature only to permit the rate reduction. WE have never accepted the first version copy or second version copy as what was signed or agreed too. Now with the found reprinting, simulations, falsification etc., There is need for investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting XXXX confidential non public personal information. Consumer Law is dependent on privacy. Truth in Lending does not Include Transactions and Experiences between consumer and person making the report
Product: Payday loan, title loan, or personal loan

I got a loan from DuveraXXXX XXXX, I paid for some months an later I was unable to continue making payments on my account because the payment service or website was not working, after 30 days they sent the account to collections even when was not fault that their payment processing service was down and can't accept payments. 
I still being calling this company thru different numbers but all those phone numbers XXXX, XXXX, XXXX, XXXX, but any of those phone numbers works. 
Since they sent to collections my account by mistake, this hurt my credit score, and just because this company does not take phone calls I can't pay them of negotiate them. 
Also I being looking their website like https : //duvera.com/index.htm and XXXX XXXX XXXX I disputed the account thru the credit bureau agencies because I never had the opportunity to pay this account, also this account was charge off just after 30 days late payment and I was because they do not allow me to make payments. For some reason the credit bureau investigation resulted as " verified '' How they verified if nobody answers the phone??
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, letters were sent to XXXX, Transunion, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.
Product: Mortgage

I have submitted a loss mitigation file for a loan modification. I have more then enough income to qualify and all proof has been sent. On XX/XX/XXXX I was told that my file was a full file in review and the foreclosure sale is on hold and was told to check in every 7-10 days. On XX/XX/XXXX I called and the system is down. Mr Cooper/Rushmore Servicing was hacked, automated system said call back. I tried to call back for 2 weeks. Then on XX/XX/XXXX XXXX XXXX XXXX told me that the modification was denied and as of XX/XX/XXXX they were missing HOA monthly statement then him and his supervisor said send in the HOA statement ( which was sent while on the phone ) and they will get the file opened & get the sale placed on hold since its noted on XX/XX/20 I was told its a full file. On XXXX XXXX the file was escalated to management to be opened and on XX/XX/XXXX the file was denied due to the foreclosure being within 37 days. I asked to be transferred to XXXX but the other reps bounced me around with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a lot of inaccurate, incomplete and repetitive information and the credit bureaus haven't answered me in 35 days and still reporting those items
Product: Debt collection

I am filing this dispute for all the inaccuracies on Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spent 50 minutes on the phone with experian because of an anthem breach to have activation code activated and they were no help whatsoever I had plenty of problems and as I said over 50 minutes on the phone and they still could not help me