23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a refinance mortgage with Bank of America on XX/XX/XXXX, as they were advertising an interest rate which would lower my payments significantly. After months of delay, and my providing of documents and explanations for numerous requests, many of them repetitious, the bank canceled my application on XX/XX/XXXX, the day after I spent hours collecting and providing documentation for a lengthy list of demands which were requested of me earlier the same day. 

My wife and I own a large number of rental properties. I was asked to provide great detail on every single property, which I did. 

After the application was canceled, I asked my loan agent to submit a complaint in BofA 's system. I was contacted by XXXX XXXX, who told me it was canceled due to me not providing all the documentation required of them by XXXX within their maximum timeframe. My wife and I have closed on many XXXX loans, several of them within the last 6 months. Never have we been badgered for anywhere near the level of documentation that BofA insisted on. Nevertheless, I did provide everything they asked for, time after time after time. 

This is just abusive. I spent many hours at a time on many days to meet their requirements, and after dragging their feet asking for things in dribs and drabs, they say essentially, " Oh darn, we've run out of time. Too bad. We can start over at the current interest rates which happen to be as high as your existing mortgage. ''
Product: Credit card or prepaid card

In XXXX of XXXX I found a charge on my Bank of America Credit Card that I did not recognize. I disputed this charge and went back and forth with the bank many times as I had no recognition of the charge and I sparsely used my Credit Card from them for any purchases. On XX/XX/XXXX after many phone calls and having BOA researching the issue they concluded that I should be issued a refund in the full amount of {$150.00} along with {$30.00} they charged me in late fees. {$150.00} was the unknown charge. BOA temporarily credited my account then a month and a half later mysteriously reversed it without my knowledge or consent. They continued to charge me late fees on a charge I did not make. After I spoke to someone in XXXX of XXXX they said they were needing another 90 days to make an assessment without proving any more details. I had to call BOA twice a month from XX/XX/XXXX all the way to XXXX of XXXX. On XX/XX/XXXX of XXXX they closed my account but days prior I spoke to them multiple times, XXXX XX/XX/XXXX and they told me they should be issuing me a refund and correcting all the false late charges on my credit report. I have all my conversations with them recording on audio stating that they would correct my false late fees with the credit bureau 's and refund my money owed plus all the late fee 's they had " conveniently '' been charging me for an INTIAL charge I did not make. 

Not only did Bank of America not rectify the issue. They lingered over the standard 60, or even 90 days to research and Identify the issue. It has now been almost a year, and not only have they done nothing to correct it but have reported me late for 6 months for not paying a charge I do not owe and have damaged my perfect credit by defamation which is not at all true.
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. 

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Product: Credit card or prepaid card

I made a payment for the date that I made the payment.I have XXXX for the bank account.The bank said they took the money out and so did Capital One. They said the bank rejected my pay mentor when XXXX will not even let it go through if the money was not there.
Product: Credit reporting or other personal consumer reports

This to formally lodge a complaint concerning the improper handling of my credit information by the major credit bureauEquifax. Specifically, my complaint pertains to a collection and a credit card account that has been fraudulently reported and is improperly retained on my credit report despite my efforts to rectify the matter. 
Account name/number : XXXXXXXX XXXX XXXXXXXX I am not liable to any debt with XXXX XXXX XXXX I did not contract with XXXX XXXX  and they did not provide original documents as requested. 
Account name/number : XXXX XXXX XXXX XXXX From fraudulent use of my personal identification and more damaging from the inaccuracies showing across my consumer report from different credit bureaus. 
The accounts in question was reported as a result of identity theft, and I have provided the necessary documentation to support my claim of fraud. Despite this, the accounts remains on my credit report, negatively impacting my credit score and financial standing. This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), which is designed to protect consumers against inaccuracies in credit reporting and to ensure the proper handling and deletion of fraudulent information. 
The FCRA mandates the following : Accuracy and Integrity ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to follow reasonable procedures to ensure the accuracy and integrity of the information they report. The retention of this fraudulent account clearly fails to meet this standard. 
Dispute Resolution ( 15 U.S.C. 1681i ) : When a consumer disputes the accuracy of information on their credit report, the credit reporting agency is obligated to investigate the dispute and make necessary corrections. I have disputed this account multiple times, but the fraudulent information remains unresolved on my report. 
The continued presence of this incorrect information on my credit report is not only unjust but also harmful to my financial health and reputation. I respectfully request that the CFPB take immediate action to investigate this matter and ensure that the credit bureaus comply with their obligations under the FCRA.
Product: Credit card or prepaid card

Key Bank misleads customers like myself about when funds are credited to the account. Specifically, when making a payment through the Key Bank payment portal using an external bank account, the following warning appears : " A transfer may take up to 4 days to process '' I note that the above does not state " business days '' or " banking days '' or " weekdays, '' but simply " days. '' I made an external transfer on XX/XX/XXXX ( a Friday ). I needed to have these funds available to me on my Key Bank credit card by XX/XX/XXXX. According to my math, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX constitute the maximum number of days that the funds may be held under the stated policy. Thus, the funds should have been available no later than XX/XX/XXXX. They were not. I spent over an hour on XX/XX/XXXX discussing via chat service and telephone with bank representatives, but they insisted that the policy refers to business days and not calendar days. 

This is wrong. In this specific case, the bank 's action has caused me significant inconvenience and the loss of about {$70.00} on a transaction for which these funds were intended. More important, this is another example of an institution misrepresenting its policies to customers with impunity and hence the issue must be addressed. Banking institutions must be held to account for lying to and deceiving customers.
Product: Vehicle loan or lease

I received an auto loan with XXXX XXXX XXXX XXXX finance XX/XX/XXXX. I had issues with billing and arrangements ending in a repossession. In XXXX a new company Lithia/driveway finance '' began reporting an auto loan on my credit. I have had XXXX on three occasions challenge the debt as I've never done business with this company. All disputes come back reported as valid. So, I called and sent a couple of letters requesting proof of debt and if in collections when and how record was obtained. I was ignored throughout XXXX. In the third week of XX/XX/XXXX, I sent a certified letter for verification of debt, proof of debt purchase, proof of business or account letters to " Lithia/Driveway Finance ''. I received no response. So, in last week of XXXX and 30 days after verification of certified mail received, I contacted " Lithia/Driveway Finance '' by phone. After many transfers and excessive rudeness, I lastly spoke with accounts manager " XXXX ''. He explained to me that the letters were received and that they were listed in his system as " frivolous ''. Not only did the receive department list as this, but that I was not going to receive a response. I ask again for proof of any document with them for a debt & they refuse to provide. I asked about my original finance company & was told they no longer in existence. I've tried for 2 years to get this debt removed or verified. My attempts have failed. I am spoken to like an XXXX. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute to the major credit reporting agencies and listed the erroneous accounts. I believe I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have contacted creditors to resolve this with them to remove the accounts listed on my credit report because they are fraudulent. I also gave a copy of my ID, SS Card, and Proof of Address. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA prohibits information that the furnishers are providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. 

[ 15 U.S.C. 1681s-2 ] Section 623 ( a ) ( 1 ) ( B ) ( i ) ( ii ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Prepaid card

On XX/XX/year> a fraudulent cash app account was linked to my us bank debit card with out my knowledge or authorization. The chargers continued from the first date I stated and confirmed on to XX/XX/XXXXXXXX XXXX XXXX  I do not own a cash app account and I never authorized thieve fraudulent transactions to go through my us bank debit card. I contacted both us bank and cash app to solve this problem I had I was never notified from us bank or cash app about these fraudulent charges that occurred I was a victim of identity theft neither cash app nor us bank wants to take responsibility of my identity being used in fraudulent activity. I called cash app in XXXX of last year which was a few months ago and addressed my issue with them. They asked if I could give them name and address along with the 16 digit card number that was used with these fraudulent transactions. I provided all the information they asked for they emailed me stating there was a cash account linked to my debit card which I have both emails from cash app stating the problem. There was over XXXX XXXX dollars taken from debit card and was transferred to a fraudulent cash app account which I had no knowledge of or authorized it. I feel both parties are liable for my money that I dont even have any knowledge where it went to.
Product: Debt collection

Credit Management Control , INC. is reporting a debt that is older than 7 years and they are not reporting the proper amount owed to Equifax. 

I received a letter from your Credit Management Control, INC. on XXXX/XXXX/2016 about a debt. 

On page XXXX of the letter Credit Management Control sent me on XXXX/XXXX/2016, the top of the page lists the date when this account was established as XXXX/XXXX/XXXX. 

Credit Management Control 's letter states on page XXXX that {$11.00} is allegedly owed, the amount furnished on my Equifax credit report is {$12.00}. The original amount furnished to my credit report by Credit Management Control was {$200.00}, the total amount calculated by adding the self-balance on page XXXX of the letter is {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Experian for XXXX & XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to Experian. I never received a response from them. I contacted Experian on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. Experian is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while XXXX is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, Experian is reporting payment history on a closed account and the debt has increased several times. XXXX  is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.
Product: Debt collection

commonwealth finanicial has cause harm to my credit with XXXX XXXX XXXXt drop in my credit score with XXXX  credit breau without vaildating the proper procedure for debt collection according. FAIR DEBT COLLECTION PRACTICES
Product: Debt collection

This is a unknown medical bill listed on my credit file which I have disputed and nothing has been given for validation please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.
Product: Credit reporting

XXXX items on my credit report are listed 2 times each. XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX XXXX are listed as write offs. These accounts were purchased by XXXX XXXX XXXX in full and should not be listed as Write Offs any more. I 've paid XXXX of these in full , XXXX XXXX and XXXX XXXX. These are also listed negatively on all XXXX credit reports as Write Offs and Collections. That 's like Double Jeopardy. I 'm being held accountable 2 times on each account and all are reporting negative even though XXXX are paid in full. I have good credit from other resources that are the same installment payments on merchandise and cash loans that all XXXX credit bureaus refuse to report. These would boost my credit ratings. The reporting of my report from XXXX is completely different from Transunion and XXXX. All XXXX have refused to change any information or add or adjust credit as payments are made and on time as well. I was told by Transunion to contact my congressman here in Mississippi, I did, and now, you 're it. Sincerely, XXXX A. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/year>, I requested to withdraw from XXXX XXXX. I was an online student at the XXXX, Minnesota campus. I submitted a withdrawal form, but my success advisor, XXXX XXXX, ignored my request and continued to enroll me in the next session. Apparently, this accumulated a bill, and a representative informed me over the phone that I would not be responsible for paying for the class if I didn't attend. By XX/XX/year>, I asked XXXX why they were still sending emails, and he said it was because I was still active. I do still have all my emails in regards to requesting to withdraw and communicating with XXXX and their financial account management XXXX XXXX who said, they sent too much aid back to the government when I withdrew, and they didn't even withdraw me. They were send me a bill before they withdrew in XX/XX/year>. XXXX was not supposed to enroll me in any classes until we discussed it, as I wanted to explore my options and we talked about that over the phone. Instead, I withdrew because {$250.00} of my aid was missing. I was always eligible for financial aid, which is why I am confused about this bill of {$1400.00}, and that is not even the cost of a class. There's not much I can do since we are in two different states. I'm unsure if this is a private loan or what, because it's accruing interest the balance was {$1100.00} XXXX later lied, claiming he didn't withdraw me because he thought I was trying to withdraw only from the class I was attending and not from the whole university, so I guess they didn't even pay attention to my withdrawal form. He won't own up to his mistake. They have sent a debt to Sunrise Credit Services , inc . The other person who was aware of this was XXXX XXXX, the admissions advisor. I only took and completed 1 class at this university and it was paid for in full through grad plus loans.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX ( XXXX ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX  continues its collection efforts, I will file for litigation for actual damages caused and XXXX  will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant XXXX XXXX. Your prompt attention are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.
Product: Credit reporting or other personal consumer reports

XXXX department of education is reporting multiple student loans on my credit report that are not accurate. I consolidated my loans and these loans need to be updated and reported accurately. I have a total of XXXX loans reporting on my credit report and this is incorrect.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account number XXXX regarding the account showing charged off multiple times. the account is showing for its " opened date '' being inaccurate. It was opened in XXXX and is being reported as being opened in XXXX. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
It alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX there are no on time payments form XX/XX/XXXX to XX/XX/XXXX this is inaccurate payment history reporting.The information regarding this account fails to report completely I do not see the monthly payment, terms, past due, date of last payment, date of the first delincuency and date closed being reported. Please provide the information or take this account off of my credit report : Equifax : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within 30 days.