23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Against : Bank of America Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Sir / Madam, I am writing to make a complaint against the above mentioned financial institution. 
I did inform the bank that I did not authorized the transaction for the amount of {$150.00} ( dated XXXX/XXXX/2016 ) because I cancelled the service with the merchant ( XXXX ) on XXXX/XXXX/2016 and requested from the merchant to refund the transaction for the amount of {$1800.00} ( dated XXXX/XXXX/2016 ). However, the merchant continues to charge my card on XXXX/XXXX/2016 the amount of {$150.00} without my authorization. On XXXX XXXX, 2016 ; I filed disputes for both transactions with the bank. On XXXX XXXX 2016 ; the bank issued a credit for both transactions. On XXXX XXXX, 2016 ; the bank debit my account back with both transactions as fees. 
The bank is refusing to assist me in recovering the money for the XXXX transaction below. I would appreciate your assistance in helping me recover a full refund for XXXX transactions. Thank you, Your time and consideration are greatly appreciated. Thank you, Respectfully, XXXX XXXX XXXX 

Transaction details Account nickname Bank Americard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction date XXXX/XXXX/2016 Reference number XXXX Amount {$1800.00} XXXX 
Transaction details Account nickname BankAmericard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction da XXXX/XXXX/2016 Reference number XXXX Amount {$150.00} XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/ {$540.00}, XXXX XXXXl XXXX XXXX {$18000.00}, XXXX  XXXX XXXX XXXX {$320.00}, U.S. Bankruptcy XXXX XXXX.The accounts Listed in this statement are accounts I just recently reviewed on my credit report. I have contacted the creditors for each account and I have filed an ftc report and nothing have been removed. I have never used or applied for any of these accounts. I am askking if these items please be removed from my credit report.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX, and I included it again. Kindly correct or delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked the 3 different credit bureaus to verify information that I have labeled as inaccurate and I have not been sent any verification info or info in general showing that this the account from XXXX XXXX is owed by me or my responsibility to pay and I have been disputing this information or the past 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

dear cfpb, i just got a response from XXXX stating that Account from XXXX is accurate ... .i will attach my credit report and you tell me if its accurate or not?!? this is really annoying how they cant recognize the issue .... attached is their response and my credit report which i highlighted the errors between the 2 bureaus.. I DONT THINK THEY UNDERSTAND WHAT ACCURATE MEANS!! 
well you guys are violating my rights you need to stop or i will sue ... what kind of company are you guys running here!! a XXXXXXXX XXXX old can see the inaccuracies! 

XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


SIMPLE TO UNDERSTAND I DONT WHY YOU GUYS CAN'T!!
Product: Credit reporting

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by Equifax. I tried to purchase a XXXX bureau credit score by Equifax but instead they send me a copy of my credit report which I already have from the mortgage company. Equifax has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried myFico ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX.Twice!! 
The agent at XXXX said he can see my score. But when I tried XXXX.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax s 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 ( file No 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mulitple Late payments that can not be found with XXXX XXXXXXXX  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 has violated my rights. 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, credit repair services, or other personal consumer reports

I have documentation of XXXX XXXX XXXX XXXX XXXX and modyfing information on my credit report after I filed a complaint. I ASKED FOR THESE ITEMS TO BE REMOVED FOR INACCURATE INFORMATION NOT UPDATED. A PROPER INVESTIGATION WAS NOT DONE IN THE 1ST PLACE.
Product: Credit card or prepaid card

Still charging interest on purchases from their previous delay in posting payment in XX/XX/2021! This is ridiculous!!! On the statement with due date of XXXX, they have charged {$7.00} in interest. ALL PAYMENTS HAVE BEEN PAID IN FULL EACH STATEMENT AND ALL INTEREST CHARGES SHOULD BR REFUNDED! 
I believe their processing of payments is extremely slow! This bank is frauding their customers and should be audited! They are very uncooperative and representatives are like robots!! 

Please resolve this claim, along with the other FOUR ASAP!
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Compass Bank had the XXXX lien on my property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The property went to foreclosure in XX/XX/XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX was the last reported date on my credit report revealing I was XXXX days past due. However, it was reporting that I had a monhtly obligation of {$23000.00}. This was reflecting in my monthly DTI at the present time. I disputed this information through Experian in late XX/XX/XXXX XX/XX/XXXX when my Credit Score was XXXX. I have been rebuilding my credit since the foreclosure and imagined that this erroneously large monthly obligation 's removal would only help me. Instead, Compass Bank eliminated the monthly obligation and updated the status to a charge off as of XX/XX/XXXX XX/XX/XXXX. I believe that Compass Bank exercised neglience in FAIR reporting in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and now I 'm being penalized again, for an event that I was already penalized for. This is duplicative penalization and all my rebuilding appears to be futile as my credit score in one month has dropped significantly, down to a XXXX. This is worse than it ever was during foreclosure proceedings and post-foreclosure reporting. Please help. This is negligence on Compass Bank 's end and I should not have to be burdened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE/SLATE XXXX, solicited me for PRE-APPROVED CREDIT. On XXXX XXXX I submitted application for credit. I called Chase credit card department about the status of my application, I was told that credit was denied. I then asked the agent to delete my personal information and not to sell it. 
CHASE CREDIT CARD DEPARTMENT refused to delete my personal information and not to sell upon my request. This denial happened after the initial agent I spoke with spoke to someone that directed the agent to refuse my request. I ask why they won't delete the agent on XX/XX/2022 at approximately XXXX and was told that they will not delete my information because I was denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX Thank you for offering this service to handle complaints. 

I found out about it from a column by XXXX XXXX in the XXXX  XXXX. 

In XX/XX/XXXX I looked up my credit rating on the website XXXX XXXX where it has ratings by XXXX  and Equifax. 

After noting a derogatory remark on my report, I disputed it with Transunion via their online website and they resolved and removed the discrepancy. When I tried to dispute the same derogatory remark via Equifaxs website, it was unable to verify my identity and said that I needed to verify my identity by mailing in a form and supporting documentation. Although the form said my request would be processed within fifteen days, I received no response. I sent a second form and documentation in late XXXX and received a letter response back. 

Although I noted on the Equifax form mailed in XX/XX/XXXX ( and XX/XX/XXXX ) that my address was in XXXX, VA, on the letter I received from Equifax dated XXXX XX/XX/XXXX it stated that I needed to verify my current address in Washington, DC - an address at which I had not lived since XXXX. 

I wrote them a letter on XXXX XX/XX/XXXX explaining that I had not lived at that Washington, DC, address since XXXX, shared my four addresses ( and dates at those addresses ) and enclosed various documents as proof. I also requested that the discrepancy that XXXX cleared be cleared on their ( Equifax ) records, too. It was sent Priority Mail, and was delivered at XXXX on XXXX XX/XX/XXXX according to U.S . Postal Service website tracking The documentation included : a copy of my social security card copies of the following documents that prove my address from XXXX and XXXX Form W-2 Wage and Tax Statement XXXX XXXX XXXX XXXX dates XXXX Form W-2 Wage and Tax Statement XXXX copies of the following documents that prove my address from XX/XX/XXXX to present Form W-2 Wage and Tax Statement XXXX Form W-2 Wage and Tax Statement XXXX Utility bill dated XXXX Gas bill dated XXXX Current twelve-month residential lease I have not yet received a response from them. This delay is affecting a major purchase I need to make in the next few weeks because I want mt credit score to be accurately reflected. 

Thank you for your assistance. I am available to answer any questions or provide additional documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit report shows account revolving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent CoreLogic a letter to place a security freeze on my Corelogic report but instead of them placing a freeze on my report, they told me that they are a reseller of the consumer report information provided by the three credit bureaus, so they didn't place a freeze on my CoreLogic report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, coming as the living soul, who is the heir and paramount title holder to the Estate known as XXXX XXXX XXXX XXXX 

This is actual and constructive notice that the name XXXX XXXX XXXX is Estate property that is copyrighted. You can find that the copyright information has been filed with the Clerk and is on record with XXXX XXXX Deeds and Records. There you will find the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. From this point forward, this name can no longer be used to furnish and report derogatory account and credit information. All accounts currently listed on the credit report associated with the name must be updated to Paid as Agreed. All late payment information, negative comments, and negative status must be immediately removed. And all balances must be set to zero. ALL Reporting containing information solely as to transactions or experiences between the consumer and the person making the report must be excluded. 

" XXXX XXXX XXXX is the perfected proprietary security for the living soul, XXXX XXXX XXXX  under original common law for one hundred ( 100 ) years and is private property for the protection of My estate, life, liberty, and property. 

Unauthorized possession or use of XXXX XXXX XXXX and any/all derivatives thereof may be a violation of State Code for Fraudulent Use or Possession of Identifying Information which is punishable by prison and fine. 

Any use of XXXX XXXX XXXX and any/all derivative ( s ) thereof, with or without scienter, at the expense of any right, liberty, property, or any part of My estate, absent full disclosure and lacking written prior consent is strictly forbidden and chargeable to each of the users/issuers in the amount of the sum certain of XXXX XXXX XXXX to XXXX XXXX XXXX ( {>= $1,000,000} - {>= $1,000,000} ) dollars of legal and Lawful Silver Dollar Coin of the United States, convertible at the legal and lawful ratio of XXXX to Federal Reserve Note Dollars as prescribed by law and is not limited by any past, present, or future restriction for each instance of said unauthorized use. 

Placement of XXXX XXXX XXXX on any document associated in any manner with My estate or Me, XXXX : XXXX, without My written prior consent is all of the evidence required for enforcement of this agreement/contract and is evidence that any and all users and issuers are in full agreement and have accepted this agreement/contract without controversy under the conditions and terms so stated and set forth herein.
Product: Checking or savings account

My Capital One 360 Money Market account was the only account I had with Capital One. The account was opened on XX/XX/XXXX. At the time of account opening, I uploaded the picture of the front and the back of my ID as requested by the bank. There was no issue until 15 months later. Access to my account was suddenly restricted on XX/XX/XXXX. I called the bank and answered all questions correctly, but then I was told that I can not be verified over the phone. I was asked to bring my ID to a Capital One Cafe. Fortunately, there is one in my state but is 60 miles away. I went there on XX/XX/XXXX, the staff in the Cafe verified my ID and confirmed with Capital One Management Team. I was then grilled by a female staff member on the phone. She asked vague and strange questions that I did not feel comfortable and did not know how to answer. She then came to a final conclusion that my account will be closed as of today and that Capital One can no longer open any new account for me in the future because I was considered " high risk ''. I asked to speak to her supervisor regarding what the high risk mean. The supervisor ( who claimed his name is XXXX, a supervisor at Capital One Bank ) said that I logged into my account from a phone named " XXXX 's XXXX ''. He said the previous female representative accused me of leaving my Capital One credentials on someone else 's phone. I explained to the supervisor that " XXXX XXXX  '' is my XXXX ID user name ( screen name ), and " XXXX XXXX XXXXXXXX '' is in fact my phone. The supervisor seemed to be skeptical and refused to reopen my account. I was shocked that Capital One 's mobile app collected un-permitted information from my phone. I never granted such access to Capital One 's mobile app. I ask that CFPB conduct a thorough examination of Capital One 's mobile app and check if there is any unwanted spyware running in the background that collects and sends un-permitted information from the phone back to Capital One. I ask that Capital One restore my account because the closure is in violation of the banking laws and regulations. I also ask that Capital One give me {$1000.00} in restitution for the time I spent on the phone and for the psychological stress that I suffered from being unfairly treated by Capital One.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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 XXXX XXXX