23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX : Received credit card from Comenity Bank, which was a replacement card due to buy -out of original bank. I had received no notice of this change. I called comenity to confirm the reality of this, as the change was immediate... /effective that day, and to ask two important questions,1 ) Are my automatic payments on this new card going to be transitioned by the new bank and 2 ) are my saved account # 's with places such as XXXX smoothly transitioned with no action needed on my part. The answer to both questions was YES, it's all covered by us. Neither of those things was true. Ive had difficulty with both. The newest problem, which prompted this complaint, is : : : I made an online purchase before the card changed hands, and 4 days ago, sent some of the items from that purchase back to the online company. The company called me, XX/XX/XXXX, as they are unable to refund my $ XXXX as the credit card # # is declined. I gave them the new card # #, and they can not process it, can not accept it. They said this has never happened before. SOOO I called Commenity again, ( I had also complained to them on XXXX XXXX re denied card, denied automatic payment etc ) and after 10 minutes with an agent, the supervisor said I should just get a cash refund. Its an online purchase, in another state. Then there were apparently going to be some " other things '' I could try and i said clearly : : : : : : : : : : NO. Your problem, not mine. What are YOU going to do to fix this. I did nothing wrong, Im not jumping thru hoops to fix your consistent mistakes and misrepresentations. And I hung up. I have sent complaints to FTC and XXXX  as well as this one to you.They have clearly misrepresented the change over process and their abilty to handle it...
Product: Credit card or prepaid card

Just received a new Alaska XXXX Credit card from Bank of America and have made many attempts to activate the card. Every transactions keeps getting denied. I called Bank of America multiple times and have spend numerous hours trying to resolved this issue. They claim its a security precaution to prevent fraud and asked me to verify all transactions, Ive done this multiple times and they still havent fixed the issue. I called again and was directed to go to Bank of America branch with two forms of ID to be verified. I spent over an hour at the branch and was told my card was ready to be used, it was again denied. I spent an hour trying to get ahold of someone via the customer service line only to be told I had to go back to the Bank of America branch. Im currently XXXX  to California as a member of the military and this is becoming a huge burden, Im getting charged an annual fee for a card I have been unable to use and no one knows how to resolve this issue. Bank of America has the worst customer service
Product: Mortgage

Caliber Home loans is continuing with the foreclosure hearing XXXX XXXX, 2015. The last complaint I filed with CFPB was to stop foreclosure and pay me the Respa money at closing when my house sells. Caliber is avoiding the response to you. This is not a duplicate. Thank you so very much.
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX  OF XXXX Reported XXXX XXXX XXXX, XXXX - {$3500.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing DEPT XXXX XXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$0.00} Closed
Product: Checking or savings account

On XX/XX/2022 My account was hacked both from my debit card and XXXX transactions. 

I received an alert from my Bank of America account inquiring if I made the transactions I called them immediately to report the transactions were not made by me. 

Once the Representative answered the phone and immediately my debit card was shut down and my account was placed on hold. I was told in regards to the XXXX transactions I would have to speak with someone in that office. 
After being on hold for over 2 hours someone finally came to the phone and took my complaint and I was told an investigation would take place. The XXXX transactions was to someone I have never heard of and the amount I have never sent such an amount to anyone
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of the credit card delinquencies from XXXX  XXXX XXXX and Capital One on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Product: Credit reporting or other personal consumer reports

from XXXX to XX/XX/XXXX and XXXX i became a victim of identity theft. someone had used my name and adress to open 2 functional credit cards in my name without my consent.
Product: Debt collection

Credit collection services states an account with the balance of {$XXXX} was open on XX/XX/year> and which I have no knowledge. I have no contractual agreement with them at all and they are violating my XXXX amendment XXXX docket right.
Product: Bank account or service

I have been banking with USAA for about XXXX years. I have disputed the order of transactions several times but it continues to happen. For example, I will make a purchase and the funds will be available and the money taken out of my account. Then a few days or a XXXX later the transaction will appear to have overdrawn causing a fee and the transactions will be out of order. It seems transactions are out of order for the convenience of the bank taking out bank overdraft fees. That causes of slippery slope of fees because the bank takes out money that is n't supposed to be taken out. That leaves the unknown of where the funds went that was taken out when the purchase was made. USAA is either stealing out of my account and charging fees or something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 EXPERIAN AND XXXX & XXXX FOR XXXX NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account numberXXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXX XXXX XXXX XXXX XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Creditor for Inaccurate Reporting and 1099 Form Denial Dear CFPB, I am writing to formally file a complaint against CONSUMER PORTFOLIO SVC XXXX due to their inaccurate reporting of information to the credit bureaus, improper account handling, and denial of my request for a 1099 form. 

Nature of the Complaint : 1. Inaccurate Reporting : consumer portfolio svc has reported my account as open, even though the account was closed, reopened, and also marked as a profit and loss write-off. 
The information reported is inconsistent with the true status of the account and is inaccurate. Under the Fair Credit Reporting Act, inaccurate information qualifies for deletion. 
2. Improper Account Handling : The account status has been misrepresented. It is marked as In Collections/Charge-off but is simultaneously shown as open, which is contradictory and misleading. 
3. Denial of 1099 Form : After the account was written off as a profit and loss, I requested my 1099-C form, which consumer portfolio is legally obligated to provide. My request was denied, violating IRS regulations that require creditors to issue a 1099-C when a debt is canceled or written off.
Product: Debt collection

Every day I am receiving 2-3 calls a day, up until XXXX XXXX from AMERICAN EXPRESS. The number shows as XXXX. After so many calls, I called the number left for me to call for a very important matter. The number to call is, XXXX. 
After reaching a live agent, I was told to enter my card number, OF WHICH I DON'T HAVE. I explained that 40 years ago I had an AMERICAN EXPRESS CARD, when I was in the work force. Also there is no one at my home except me, and please stop calling as I do not owe them.
Product: Debt collection

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Product: Bank account or service

I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries that I did not authorize please delete them. I have been complaining about unauthorized credit inquiries for awhile now. Please see the 2 credit inquiries that area high lighted in yellow in the attachments they are the 2 that are unauthorized.
Product: Mortgage

On XX/XX/2020 my home was damaged by the derecho. My insurance company gave me 2 checks and listed my mortgage company ( Freedom Mortgage ) as a co signer of the checks. The first check for {$33000.00} ( siding damage ) was sent to Freedom Mortgage ( FM ) they endorsed it and returned it to me. The second check ( retaining wall ) for {$52000.00} was sent to Freedom Mortgage for endorsement, but instead they took the check and returned {$6500.00}. Giving me {$40000.00} to work with. 
At the time they assured me I could get the balance in 5 days with each 25 % of progress. 
The retaining wall was mostly complete of XX/XX/XXXX. I contacted FM They said they needed to send an inspector. It would take 5 work days. I reached out after the 5 days they had no idea what happened to the inspector, but I could send photos and they would accept that. 
Flash forward after calling several times a week usually spending more than 2 hours talking the Loss Draft Department. On XX/XX/XXXX the agreed to send a partial payment of {$11000.00}. TO prove they were going to send it they gave ma a tracking number for a XXXX  XXXX delivery. That envelope has not shilled yet. 
I discovered that they never requested the inspection, until XX/XX/XXXX. The inspector came out and said the work was 95 % complete. They sent that to FM. FM told me they did not believe the inspection report. 
Several more calls on XX/XX/XXXX, they said they were going to send me my full payment of XXXX $ XXXX. And, the same tracking number would be used. As of this morning, the envelope has not been shipped.
Product: Credit card or prepaid card

XXXX comenity creditcard I had a 0 interest rate promotion for 12 months, i paid my whole entire balance of XXXX on XXXX. MY PROMORION EXPIRED ON XX/XX/XXXX, however, i made my monthly payment on XX/XX/XXXX of {$120.00}. NOW, there retrieving {$1000.00} interest because I did not pay my whole amount on XX/XX/XXXX. I called the company today XX/XX/XXXX and they said that even if i had paid my whole balance i have to pay the interest as well. My next payment will be on XX/XX/XXXX. The company says that they will not help me with anything at this point.
Product: Credit reporting or other personal consumer reports

I have serious concerns regarding multiple violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I believe Aidvantage has violated provisions relating to the security and confidentiality of my non-public personal information and has failed to provide the necessary opt-out disclosure as required by law. As a student loan borrower, Aidvantage has an ongoing and confirmative obligation to protect my non-public personal information, as outlined by 15 U.S.C. 1681a and 15 U.S.C. 1681b. They have failed to do this!
Product: Credit reporting or other personal consumer reports

Experian deleted inaccurate account from my consumer report and I want it to be deleted from XXXX and XXXX immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Update this account to paid as agreed/never late because I paid on time. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Checking or savings account

Compass bank must of altered their sign in webpage because of " years '' of being able to log in, i suddenly was unable to on or about XX/XX/XXXX. I spent a great deal of time trying to reset this and that according to their webpage. I found myself in a futile loop. I then called the number ( s ) and spent a great deal of time going through extensions, hanging up and recalling when i got to dead ends. I found myself in a futile loop. When i finally got a person on the line, i spent more unnecessary time with him. I followed all the instructions and again " we were in a loop ''.

The problem is that the security question page is faulty for the form field options of questions 2 and 3. See pic attached. The compass guy said he would get this fixed and contact me. But I have heard nothing. 

I sent complaint to XXXX banking people and told me to contact the XXXX banking people. The XXXX banking people have not responded to my email. I made some more calls to Compass bank and i ultimately get " beeps '' and no sounds. I have to then hang up. I sent Compass bank an email using a previous email address i got from them regarding another complaint last year or so. But I got no response. I again tried to log in and then recall Compass, and i am getting nowhere and nothing. Compass bank has intentionally kept me away from reviewing and monitoring my account via online, for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an investigaton with CFPB involing XXXX XXXX XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disasters Equifax says they need more time to investigate this I feel Equifax should change XXXX XXXX XXXX to Current never Late on my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX that gave you the right to collect this debt Account No. XXXX Respectfully Submitted What would
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened and account with XXXX XXXX - XXXX in XXXX of XXXX. I had an account with them until XXXX of XXXX. I owed and outstanding balance of XXXX which I paid in full on XXXX of XXXX. After full payment the account still remains as open and delinquent. This delinquency is giving me a negative impact on the credit report. I have called the lender, XXXX XXXX XXXX at XXXX ( XXXX ) XXXX, since the account was suppose to be closed. They stated there was nothing they could do and wait until the negative mark goes off the report. It has been 3 years and the charge still shows.