23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally submit a complaint against Bank of America regarding the termination of my account, as communicated in a letter dated XX/XX/year>. The letter states that the termination was due to irregular transactions or other activity on one or more of your accounts, with us and or our affiliates, or on your credit profile. 

Since receiving this notification, I have made multiple attempts to contest the termination through both written correspondence and phone calls to Bank of America. Unfortunately, these efforts have not resulted in any changes to my credit standing. 

I believe that this adverse action may violate my rights under the Equal Credit Opportunity Act. The relevant provisions concerning extensions of credit reads as follows : Action concerning existing open-end accounts ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status ( iii ) Terminate the account. 

I have consistently made timely payments, as documented in my XXXX XXXX report, and there is no evidence to suggest that I have been unable or unwilling to meet my financial obligations. 

Furthermore, I have recently submitted instructions to Bank of America for the transfer of ownership of my security bond to me, including directives regarding the handling of proceeds for future payments. I trust that Bank of America will fulfill its obligations in securing payments and distributions made by the issuer of my financial asset, ensuring that future payments continue to be made on time.
Product: Checking or savings account

Alliant Credit Union had promotion offer in XX/XX/2023 on their website to give {$100.00} bonus with requirements. I downloaded the complete offer page and attached it to this complaint to show the original terms for the bonus. It listed three steps to get the bonus. I followed all of the three steps but did not get the bonus. 
The step 3 requirement in the offer says Have a minimum daily balance of {$1000.00} by XX/XX/2023 and maintain that minimum balance through XX/XX/2023. Then, you'll receive your bonus deposit within four to six weeks. 
After I followed the link on the offer page and opened my account on XX/XX/XXXX, I deposited {$1000.00} on XX/XX/2023. I maintained this balance through XX/XX/2023. This should qualify the requirement. However, I did not receive the bonus. When I called Alliant they told me that I did not have average daily balance of {$1000.00} for the whole month of XXXX. I told them this is not the requirement in the offer for the bonus. My understanding for the requirement is that I need to deposit the {$1000.00} before XX/XX/2023 and keep it through the whole month of XXXX. My friends all have the same understanding as mine, and they did the same thing as I did, and they all received their bonus in XXXX. But I did not. 
I made many phone calls for a whole week and talked with several Alliant representatives. I also talked with a supervisor two times. During each phone conversation I was told they would submit to the back office for review. But each time my request was denied by the back office. I have no choice but file this complaint. I have been stressed for more than a week and spent a lot of time on this issue. I am asking for the {$100.00} bonus plus {$300.00} for all the time I spent on this and all the stress I went through.
Product: Credit reporting or other personal consumer reports

I took out a loan with XXXX. Ive been paying it for some time now. I came to find out that the interest rate exceeds California usury limit of 10 %. This makes the loan illegal and unenforceable. As such, I would like it removed from my credit report.
Product: Credit card or prepaid card

I have citi aadvantage master card account. I lost my card and requested a replacement. I was told the cards were canceled. The next day I recieved two new cards by XXXX, I activated both cards using the number on the card XXXX XXXX XXXX. My daughter used my wife 's card to make purchases including two purchases of XXXX at the XXXX XXXX in XXXX XXXX. One transaction at a XXXX XXXX was approved. The two XXXX  purchases were denied. I recieved fraud alerts and approved the purchases twice. They were declined again. I called back and tried to find out why they were denied a second time. The person said he didn't know but they were declined. I asked him to reinstate them. My daughter had to pay on her credit card and I will have to pay cash from my bank acccount to reimburse her. The phones are gist s to my grandson in XXXX and my daughter. I called citibank this morning. I talked to an agent who said my cards had not been activated and she activated them. I pointed out the harm done by the inappropriate denials and requested they reactivate the denials. They said, they can not reactivate a charge that has been denied. They said all they could do is activate my card. I spoke to a supervisor who said the same thing. Citi acted illegally and inappropriately by denying that I had activated the card and they have electronic transactions and recorded phone calls to that effect. Citi acted in appropriately by denying the charges when I had a {$5000.00} credit limit sufficent to approve the charges. Citi acted inappropriately by not making me " whole '' by reinstating the charges and action to remedy the distress and problems created for my daughter and I. Citi should fix these problems and provide appropriate remedies. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TO CURRENT. PLEASE STOP ALL 2ND & 3RD PARTY CREDIT REPORTING AGENCY, SUCH AS XXXX, AND FIRST ADVANTAGE... ETC FROM PROVIDING MY PERSONAL AND/OR PUBLIC INFORMATION TO ANY AND ALL COMPANIES, INDIVIDUAL OR CORPORATIONS SEEKING TO KNOW MY CREDIT WORTHINESS, EMPLOYMENT OR EVICTION STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of 1974 and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 10 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, higher car loan rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a XXXX  resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future.
Product: Checking or savings account

I am a current member with Navy Federal Credit Union. Recently I attempted to open a second checking account and was denied due to issues with my account status. Upon contacting NFCU I was told my account was flagged because of sold prior debts. This is where things get really messed up. After being bounced around departments and dropped to phone lines that go straight to voice mail I finally got someone who was able to confirm the loan numbers of the two loans and that they were sold in XXXX of XXXX. This also confirmed they are the same two loans ( the only two I ever had with NFCU ) that were discharged in XXXX XXXX bankruptcy on XX/XX/XXXX. NFCU has told me that the only department that can assist with this issue is the Debt Sale department but when transferred to it, or when calling the direct line number I was provided it goes straight to voicemail. They say to leave a message and they will call back, but nobody ever calls back. Every time I contact them to try and resolve this issue I get lead around the same circle and ultimately referred to a department that they can't even get on the phone. I actually was wanting to repay my discharged debts to them and bring my account back into good standing on the lending side of the table but now I've been dismissed, talked down to, lead on a wild goose chase, generally treated like garbage, and flat told they shouldn't have even opened my current accounts ( had this same fight with them at that time back in XXXX, thought we had resolved it but guess not ).
Product: Credit reporting or other personal consumer reports

What Happened : As a victim of both the XXXX XXXX XXXX XXXX breaches, I have been reviewing my credit report and noticed discrepancies with the account reported by Barclays Bank Delaware. I have already submitted a Federal Trade Commission ( FTC ) report regarding identity theft and fraudulent activity. However, I have not received sufficient documentation from Barclays to verify the debt or substantiate the accuracy of the information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have received an insurance check due to damages occurred during Hurricane Michael. The bank Trustmark Bank is holding those funds in a escrow account. I have submitted receipts to them for money spent and for upcoming contractors. They are saying they need to do an inspection before the release of funds. I have been promised now for a month that they will be scheduling this inspection. There has been no contact from the inspector yet. I call daily and they keep promising me that some one will call. This has been going on for two weeks. I have spoken to managers, and my direct contact XXXX. XXXX XXXX. I can not get any action on this, I am only asking for a partial amount so am I going to have to go through this each time I need a draw? It is causing undue stress and hardship on my financials and my family. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX {$980.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX {$7100.00} XXXX XXXX Bankruptcy # XXXX I wish to clarify that I have not file for bankruptcy, and to support this claim. The Clerk of Court confirmed they do not furnish information to any third-party including credit agencies. If any Credit Agencies states that they did not received my personal information from a secondary agency is a violation of the Fair Credit Reporting Act to report false information I have not supplied proof under the doctrine of estoppel by silence, Englehardt v Gravens ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, in fact therefore any such debt, in fact therefore exists. 

According to the Consumer Law 15 US Code 1681 Section 602 ( A ) States I have a right to Privacy. 15 US Code 1681 US Section 602 ( A ) 2 A Consumer Agency can not furnish any data on my credit report without written instructions. 15 US Code 1681 C ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information and any adverse items. 15 US Code 1681 S 2 A 1. A person shall 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. 15 US Code 1681 I5 the consumer reporting agencies are supposed to modify accounts that aren't reporting accurately.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the data breach an they are refusing to clean my credit all 3 company 's I also have been requesting over 6 months for all 3 bureaus to remove all old phones number an address
Product: Student loan

Was using XXXX as the previous student loan finance company, before my loan was transferred to Unisa. I never had any issues with payments being received by XXXX. However, with the current provider, I have had an issue every single time I have tried to make a payment, resulting in several " past due '' marks against me -- each time due to their computer system that repeatedly fails to handles the payments. I contacted the company by their email contact form, concerning their system continuously having errors. I never received a response. I mentioned the issue to the customer service representative when having to make a past due payment due to their system, again, to no resolution by the company. 

I have attached a screenshot of my account payments, all being late due to their faulty payment system. Only one payment with them had been made previous to what was shown in the screenshot and it was on time due to their system being completely inaccessible ( could not even log in ) the first time I attempted to use it -- so a call was made to make the payment. Every following time, I had access to the system, the system indicated that everything went through and was processed correctly, and then would later tell me it was past due and would have to call and make a late payment. 

The continuation of the issue and the disregard for it indicates that these errors may be intentional so that the consumers of their system will have more interest to pay them on the payments, resulting in purposeful inaccessibility and essentially a fraudulent payment system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my XXXX.
Product: Debt collection

In XX/XX/XXXX someone took a loan out online using my personal information with Speedy Cash, a payday loan company. The amount due was $ XXXXI was first informed of this when I received a past due bill. I called them and let them know it wasn't me. They said I would need to file a police report. My local police told me since it was an online crime to file with Identytheft.gov which I did. I sent information to them and Speedy Cash in XXXX XXXXSInce then they have turned this account over to collections. I went back to local police in XX/XX/XXXX and filed police report. They never let me know any information about the account other than the amount due. I never signed for any loan with Speedy Cash. I have since retained an attorney to try and rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit card or prepaid card

I have a credit card from XXXX  that is then issued by a bank. The card is XXXX branded and entitles me to certain discounts from XXXX. They recently changed credit card providers and I was issued a new card from Barclays bank. 

To activate the card, I was directed to go online and enter some information. I did. I was required to enter my email address as part of this for what I thought would be credit card issues so they could be resolved. 

Despite the email being entered as part of activating a credit card, XXXX has begun inundating my email address with advertisements. Sometimes more than once a day. XXXX  does not take return emails from the email address they write from. I then went online and found how to communicate with them and asked them to limit the number of emails to one a month or none. They told me they could not do that I I had to go on line and opt out. Since I never opted in, I see no reason to have to opt out and believe they are in violation of CAN SPAM. I have tried reaching out to other email addresses of XXXX management, but I have not received any responses. 

I realize that this is not generally what CFPB does since it involves XXXX XXXX, but since they used a branded credit card issued by Barclays and Barclays appears to be part of this scheme, I think it is within your preview. 

Thank you.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

XXXX5 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every transaction listed will be for Cash App I ordered pants and never received them cash app only I ordered from the same company on XX/XX/XXXX and XX/XX/XXXX XXXX $ each, from project envy cash app only let me dispute one charge I also order from a company called XXXX runway I purchased XXXXXXXX XXXX pair of jeans, XX/XX/XXXX Last when I disputed the dispute came back denied with a charge in the as below I ordered from XXXX closet on XX/XX/XXXX. I ordered a shirt that was XXXXXXXX XXXX never received it tried I disputed it as well I never received any goods or a refund from these companies!
Product: Credit reporting, credit repair services, 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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on my XXXX XXXX that my account for XXXX was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. Equifax stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of XXXX XXXX XXXX was told the way to get it corrected was by disputing the late payment and I did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that has been listed on my consumer report from Plaza Services there is no account number I am not the owner of this account I have disputed this several times with the credit bureaus they have not removed it and will not show me what is the proof I own this debt. I sent a validation letter certified with no response from the creditor with any proof this is my debt. They are now legally obligated to remove this I am not the owner of this debt.