23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Recent changes to the on-line process, in my opinion, creates a security hazard. When a customer chooses to sign-off the account, a pop-up window appears asking " are you sure you want t o Sign-Off ''. Typically, people hit Sign-Off '' and either leave the computer or switch apps such as going to email. The Sign Off button is not in a spot where a customer could accidently hit it so this ask is ridiculous. For the RARE occasion where someone accidentally hits the sign off button and needs to log on again, my feeling is that it is a small price to pay for securing the website. In my case, I was at a remote office checking my account and was called away so hit the sign off button and left my desk, after returning a few minutes later, my account details were open and I realized later that I did not " confirm '' that I wanted to close the account and someone passing by my desk apparently said " no '' and my account was re-opened for them to view at their leisure. I am fortunate that nothing was manipulated in my absence but immediately reached out to Wells Fargo to adv ise of the issue and, as expected, got no reply to my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem that worries me, in these moments is my credit record, I explain. 
On XX/XX/XXXX, I applied for my first credit card with Bank of America, it is one of the cards that you deposit XXXX dollars to start making your credit. On XX/XX/XXXX I applied for a new credit card and the representative who assisted me in the america bank designed me that later I can join the credit of the two cards, I return to the bank on XXXX XX/XX/XXXX and the representative who is the same person who attended all visits suggests me to join the credits. My question to him was that if joining the two credits of the cards would affect my credit and he says no, he designed me that I close the card if it affects my credit, but that was not close just join both credits and stay with a single card. Now after one year I apply for a loan in another bank and when reviewing my record it appears that I closed my credit card in XX/XX/XXXX which was not so and this has affected my credit in a considerable way, I have called customer service Bank of America credit cards and your response has been ... we regret your situation but we can not do anything to help you, I think it is not an appropriate response when I have been all this time without knowledge of what was happening, the address of the location of bank of america that perform all the procedure this located in the following direction XXXX XXXX XXXX XXXX, XXXX  XXXX, ks XXXX, in attention to the client of bank of america of the credit card I attended XXXX  of the state of california. This is my problem I hope you help me to solve, since there has been lack of information on the part of the representatives. I apologize for some spelling error, because English is my second language ... 
thanks for your help
Product: Student loan

Since the settlement agreement regarding XXXX XXXX I've made calls on several occasion to get my private loans discharged, was transferred to the military coordinators for them to tell me that they have no answer to getting those loans discharged. I was told to continue to pay to this fraudulent private loan. I even submitted a loan discharge application, haven't heard any feedback regarding it.
Product: Credit card

XXXX XXXXXXXX XXXX Barclay 's send me the statements were XXXX dollars. I call them but their stations are in XXXX, XXXX. And XXXX XXXX. They say I buy t shirt in XXXX  on XX/XX/XXXX and XX/XX/year>, but I did not travel to XXXX for over many years maybe over XXXX yrs. I was worked on XXXX whole month I have my paycheck can proof..any way they keep send me a statement and add on with penalty now is close to XXXX dollars. 
Can you investigate this scams. 
XXXX
Product: Checking or savings account

On XX/XX/2022 I had {$920.00} & XX/XX/XXXX. XXXX  {$240.00} withdrawn from my checking account without my consent! It caused overdraft fees of {$250.00}. I called US Bank immediately to report what I thought was fraud. I spent XXXX hours on XXXX XXXX and spoke to XXXX departments. Today XXXX, XXXX I spent XXXX hours and spoke to XXXX people! US Bank acknowledged they took the funds and claim its for a old charged off line of credit but I never had a line or credit! I cant get proof from them because nobody is 100 % sure. In the meantime it has now bounced my car payment and left me in a negative account balance and I need money! This is fraud in my eyes!!!! Help please!
Product: Credit card or prepaid card

It has been about five months that I applied for unemployment and was supposed to receive a card and I updated my address but Bank of America never seem to get the update after five months and Ive change it on EDD website multiple times but it doesnt change on the Bank of America website. So I am unable to receive my card.
Product: Mortgage

got a piece of property in NC in XX/XX/XXXX, I been trying to tell everyone sense XX/XX/XXXX this was fraud, but no one did anything about it, this supposed to be a VA loan, then we have XXXX XXXX XXXX, XXXX, XXXX, XXXX the XXXX. coming after us are XXXX XXXX XXXX located in XXXX NC, and Trustees of XXXX, this was never a loan but a refinance, i cough up with the scam in XX/XX/XXXX, we were never late in our payments with XXXX, but XXXX decided after been told to look into paperwork to foreclose on us, I never got to discovery or been to real court all our motions been denied they are trying to steal peoples homes in special XXXX XXXX XXXX wich is connected with XXXX XXXX. can someone look into this is thousands of illigal foreclosures done by this companies happening in my county XXXX NC.
Product: Credit reporting or other personal consumer reports

I noticed on my report that there are several injuries over XXXX and those inquiries are not attached to an account. I do not recognize them and I am concerned because it is causing harm it is violation of my character. I am unable to obtain essential needs as far as a home car personal essential goods with such fraudulent information on my report. At this point I feel threatened I feel as though I am able to live a normal life as a natural human being. Please be advised my rights have been violated there has to be legal action again such bully corporations.
Product: Debt collection

I '' m receiving texts from a XXXX at XXXX XXXX. She is from Triton Recovery and keeps texting me regarding a collection account that does not belong to me. I have asked her several times to stop and she keeps insisting I am the person she is trying to contact and refuses to stop.
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 has violated my rights. Or a 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 card or prepaid card

I opened 2 disputes on XX/XX/2020. They were 2 charges for {$400.00} for a hotel that agreed to refund the deposit based on recorded calls Citibank still has not closed or resolved my complaints as of XX/XX/2020. As of this date, this is 266 days after the disputes were open. This is in violation of the Fair Credit Billing Act that states disputes must be resolved within 90 days or 2 billing cycles of the opening of the dispute.The Citibank agent I spoke with on XX/XX/2020 said the disputes were closed on XX/XX/2020 which is 98 day after the disputes were opened, which is also in violation of the 90 day limit. I have called over 15 times trying to resolve this dispute. All but the very first call have been recorded. Screenshots of the online account information have been saved that show the disputes open 266 days after starting the dispute process. 

The screenshot attached is from today, XX/XX/2020.
Product: Credit card or prepaid card

SERVE by American Express is a PREPAID card that I used with XXXX XXXX XXXX to deposit my paycheck on. This was the card that I had while at XXXX XXXX and would also use this card to depoist things like my IRS tax refund. What's odd is I had an incident where I believe that someone at XXXX XXXX was using a remote control feature to manipulate the ATM ( which was a legacy ATM ) to cause frustration or deny access to monies that were mine and as a result of my affliation with American Express this ATM was closed and changed out to a new ATM. This could be probable cause for me being targeted by either local Law Enforcement, Federal Law Enforcement, or XXXX XXXX as they used this point of access to gain intelligence on my bankings and financials. I have nothing to hide but this is a point of intrusion that is very disturbibng. 

I have not been able to regain access to this account, close the account due to the number that I had with this account being disconnected, and as such have had a difficult time in closing this account.
Product: Debt collection

In Accordance with Fair Credit Reporting Act Comenity Bank has violated my rights for the below accounts 1. ) Comenity Bank/LNBRYANT Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/NY & CO Account number XXXX Date opened XX/XX/XXXX XXXX. ) Comenity Bank/VICTORIA Account number XXXX Date opened XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings account. On XX/XX/XXXX, I went to a branch location, so I could apply the {$520.00} offer I saw for existing savings accounts. The banker tried her best to apply the promo, but there was no option to apply the promo code. She called tech support and they opened a ticket to look into the issue ( XXXX XXXXXXXX ). 

Since I was not sure when/if the code was applied, I acted as if the code was applied on XX/XX/XXXX, just so I did not deposit the money too late. {$25000.00} was successfully deposited on XX/XX/XXXX. 

I called Wells Fargo on XX/XX/XXXX to ensure the code was applied. I was told that the bonus would be tracked manually. On XX/XX/XXXX, I called Wells Fargo to check the status of the bonus, since I was not sure when the clock on the bonus started ( whether it would be backdated to XX/XX/XXXX or another date ). I was told that the code had actually been applied on XX/XX/XXXX. I am now past the 90+30 days for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, ONEMAIN FINANCIAL made a credit inquiry to my XXXX account. I have never even heard of this company and did no apply for credit or authorize this credit inquiry. When I tried to contact ONEMAIN FINANCIAL, I was not allowed to talk to a person unless I had an account with them. I called XXXX and was able to obtain a phone number that connected me with an actual person at ONEMAIN FINANCIAL. They did admit that they made a credit inquiry on my behalf and would remove it from their system. I asked to be transferred to their fraud department and that did not happen. Their representative was very casual and did not sound concerned. I have placed a credit inquiry freeze on my XXXX, XXXX, and XXXX credit bureau accounts. I was told by the representative at XXXX to file a complaint with the FTC and forward your response to them.
Product: Credit reporting or other personal consumer reports

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy ( 15 USC 1681 ) and section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under law 15 USCS 1666b a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose or have unauthorized hard inquires on their report without consent from consumer.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I attempted to make a balance transfer from my American Express Blue Credit Card to a new credit card of {$12000.00}. On XXXX/XXXX/XXXX the payment was declined due to insufficient funds on the new credit card. We proceeded to call the new credit card company to figure out why this happened, and received an explanation that they charged too much for their balance transfer and that put it past the limit. 
I called American Express as soon as we had an explanation, and described to the billing representative what had happened and that we were good to proceed. After describing having to use a check from the new credit card company for the balance transfer, the billing representative said I could take care of it over the phone or online and just to give him the checking and routing number, which I did. 
Two days later my payment was again declined, so I attempted online and again it was declined. We than called American Express to find out what was going on, and was told we should have never been asked for the checking and routing number over the phone because the check submitted was a business credit card check, which was communicated to the billing representative on our phone conversation. 
I have now been charged multiple declined payment fees, and my 0 % APR American Express has jumped to 30 % APR, which has resulted in nearly {$500.00} in fees, and no balance transfer.
Product: Checking or savings account

Nothing happened they didnt even get back to me personally just send me fake approval letters
Product: Debt collection

Occurred on XX/XX/2021 around XXXX. XXXX called AGAIN about a debt that was paid over a year ago and harassed me once again by telling me I was dishonest about a " confirmation number '' I gave him. I have received repeated phone calls from him about a debt that was already paid. Today he hung up on me when I was trying to provide him with even more proof the debt was paid through TCS. His own company. This time I emailed a screenshot and forwarded the receipt to him. I want the harassment to stop for a debt paid over a year ago.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX 's requirements.
Product: Credit card or prepaid card

I tried to apply for the Apple Card Credit Card online on XXXX While filling out the application through my XXXX, I encountered a problem with my address. The application does not accept XXXX XXXX XXXX. I am a XXXX XXXX XXXX participant in the State of Minnesota, and have been for many years. XXXX XXXX XXXX is a confidentiality program designed to protect my physical address so that I can not be found by the person my life is in danger from. The legal address that I was issued by the Office of the Minnesota Secretary of State is a lot number with a XXXX XXXX XXXX. This is the address on my Minnesota State Driver 's License. My bank, doctor, school, and every company I have an account with uses my XXXX XXXX XXXX address as my legal address. I called the XXXX number and was connected with an Apple Card Credit Card specialist at Goldman Sachs . I explained my issue with trying to apply for the Apple Card online and was told that Goldman Sachs only accepts physical addresses as an address for the application. I explained that I was a XXXX XXXX XXXX Participant and all that entails, and I was essentially told that did not matter, Goldman Sachs only accepts physical addresses on applications. I told the credit specialist that I wanted to file a complaint because this seemed discriminatory. She had me talk to her supervisor, who told me the same thing, that Goldman Sachs only accepts physical addresses on applications. When I asked to file a complaint, she said she needed to look up my information first. I gave her the last four of my SS, my DOB, and name. She told me she could not find me anywhere in their system, and thus could not file a complaint on my behalf. She told me I could call Apple and file a complaint with them instead. After hanging up with Goldman Sachs, I called XXXX and spoke with a representative and told her what happened. She filed a complaint with Apple for my situation, but could not resolve the issue since Goldman Sachs will not accept my legal address.
Product: Credit reporting or other personal consumer reports

CFPB, EQUIFAX IS A WELL KNOWN CREDIT REPORTING AGENCY THAT CREDITORS USE TO VALUE & JUDGE THE INTEGRITY OF THE CONSUMER TO REPAY THERE XXXX AM A SMART CONSUMER AND CHECK MY CREDIT REGULARLY, THERE ARE XXXX REPORTING AGENCIES XXXX, XXXX & EQUIFAX. THE REASON XXXX REACHING OUT TO CFPB IS THAT ON XXXX XXXX EQUIFAX FOR NO APPARENT REASON LOWERED MY CREDIT SCORE XXXX POINTS WHEN ALL MY OTHER CREDITORS RAISED MY SCORE UP XXXX POINT IN XXXX AND XXXX POINTS IN EXPERIAN.ALL THAT CHANGED ON MY EQUIFAX CREDIT REPORT THEY SHOT MY CREDIT SCORE DOWN XXXX POINTS, THAT DOES'NT SEEM CORRECT COULD YOU PLEASE INVESTIGATE INTO THE MATTER I FIND THIS SITUATION EXTREMELY DIFFICULT TO UNDERSTAND.IN THE PAST THEY'VE DONE IT AS WELL ON MY CREDIT REPORT. I WOULD NOT BE ABLE TO TELL YOU HOW WELL THERE EMPLOYEES ARE TRAINED TO MAKE THOSE IMPORTANT DECISIONS FOR THE CONSUMER THOU THERE ACTIONS AND DECISIONS CAN AFFECT THE INTEGRITY OF THE CONSUMER.I FEEL DICRIMINATED AND HUMILIATED. 
BEST REGARDS, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation into Inaccurate Credit Reporting by TransUnion Dear Sir/Madam , I am writing to bring to your attention an alarming issue I encountered with my TransUnion credit report, which I accessed through AnnualCreditReport.com. Upon reviewing my report, I noticed that my rental payments for the months of XXXX, XXXX, and XXXX have not been updated. This discrepancy is concerning as it impacts my creditworthiness and financial standing. 

As outlined in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is essential for consumer reporting agencies to maintain accurate and fair credit reporting. The lack of updated rental payment information undermines this principle and can adversely affect my financial opportunities. 

I kindly request that your offices investigate this matter to ensure compliance with credit reporting laws and that TransUnion rectifies this situation promptly. Accurate reporting is crucial for maintaining consumer trust in the banking system and for the overall efficiency of financial operations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,