23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sent following statement ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXXXXXX  postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit card

Starting during the covid pandemic I was subject to discrimination by Bank of America l had a total of five different cards totaling around {$50000.00} dollars of credit until the bank started reducing my credit limits for no reason other than the fact that it was during the pandemic every time I made a payment they would reduce my credit limit to just above the balance on the card until they finally closed my accounts when I ran my credit report to check it was in good standing with my credit score being XXXX and there was no negative results it showed that the credit card was never late with XXXX and XXXX XXXX showed on time when I called them to ask if they could reinstate my credit they refused so this also happened with all my other credit card companies
Product: Credit card or prepaid card

I have TD Unsecure Credit Card Since XX/XX/2008 to present and I have total credit line approved at time of application was {$11000.00} and since then it went well never had any issue with it. they review credit card periodically and made decision either raise credit card limit or decrease credit limit. In my case they review in the past and neither they increase credit limit nor decrease credit limit. recently they review my account and decrease my credit line from {$11000.00} to {$9200.00} and they use XXXX  Consumer reporting agency ( I complained previously against XXXX  through CFPB ) show the reason is ( 1 ) SERIOUS DELINQUENCY ( 2 ) YOU ARE NOT PAYING DOWN YOUR BALANCE FAST ENOUGH, ( 3 ) PART OF YOUR ACCOUNT BALANCE IS MADE OF CASH ADVANCES. 
this type of reason first time in 11 years of my this account and I always pays on time payment history is 100 %. Now when I called and Spoke to person ( XXXX ) suggest me to submit application for credit line increase which is go to HARD INQUIRY and they already took action cause my credit score drop and my Utilization ratio increase due to credit line decrease on this account.
Product: Vehicle loan or lease

This complaint is from a prior complaint from XX/XX/XXXX on the same company. Later that afternoon I received an email from XXXX XXXX the account manager sending me a delinquent account notice That my account was past due and the payment was due on XX/XX/XXXX. Now if I am not mistaken, when I made my {$200.00} payment at the end of XX/XX/XXXX, that payment cleared on XX/XX/XXXX, that bought me to current according to customer service. I told them I would call in the make my next payment which would have been after XX/XX/XXXX. That is the payment they took out of my account without notice and after I stated do not take any more money out of my account, I had to contact them to make them put that money back because I already had that money in budget for someone else and I would make my payment by XX/XX/XXXX. They ended up giving my money back on XX/XX/XXXX. During my conversation on XX/XX/XXXX, I told them I do not want the auto pay and I will call in my payment. I called on XX/XX/XXXX to make my payment of {$190.00} and stated I will make another payment by the end of the month. Again on XX/XX/XXXX, they went into my account against my wishes creating over drafts that I am responsible for. That money was budgeted to put my car in the shop and I did not know what was going to be charged. My car note $ XXXX monthly and they got their money on XX/XX/XXXX and XX/XX/XXXX. Then that is when I get another email from XXXX XXXX XXXX saying " Just reminding you that your car payment was due on XX/XX/XXXX. You can pay online, or feel free to call into the office at XXXX with your payment information and we would be happy to get it submitted for you. I was advised in the past that they do not keep your payment information in the system once the payment has been rejected then they have to put the information in the system again and basically verify. I use to get notifications that the payments were coming out but now I do not get anything up until now.
Product: Checking or savings account

Today ( XX/XX/XXXX ) I signed in online to to check my bank account with Bank of America. 
XXXX large debit charges for XXXX and XXXX were listed on my account. I do not have funds in my bank account to cover these charges. 

I called Bank of America thinking that these XXXX charges were fraudulent. The representative informed me that these were legal holds from the state of Indiana. I asked if I had any rights to refuse these charges, and I was given the number for the Indiana XXXX  XXXX XXXX : XXXX I lived in Indiana from XXXX while working as a professor at Indiana University XXXX XXXX. In XXXX I moved to Vermont and then several years later I moved to my current address in Massachusetts, where I have lived for over a decade while working as a professor at a small XXXX XXXX XXXX. 

I do not know what these charges represent and was not notified in advance of any impending deduction. I am also concerned that the statute of limitations on this debt may have expired. Now I do not have money to pay any of my bills. It is quite upsetting. 

When I looked online, I learned that Bank of America has been sanctioned by the Consumer Finance Bureau for allowing out-of-state garnishments of bank accounts and paychecks. This was just XXXX year ago, and the bank agreed to clean up its systems. They obviously are continuing to subject consumers to this illegal practice. 

Here is the link to the article on your web site, " CFPB Orders Bank of America to Pay {$10.00} Million Penalty for Illegal Garnishments '' 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 

Massachusetts has clear laws governing how much can be deducted from bank accounts and paychecks. According to XXXX, " In Massachusetts, the most a creditor can garnish from your wages is the lesser of : 15 % of your gross wages ( that is, before taxes or other mandatory deductions are taken out ) or. your disposable income less XXXX times the greater of the federal or the Massachusetts hourly minimum wage per week. '' I am dismayed that Bank of America would disregard the rights of its customers in this way and that my XXXX years as a customer with Bank of America did not warrant even an advance notification. I am also upset that despite the Consumer Protection Bureau 's order, issued in XXXX, the bank has ignored the Consumer Protection Bureau 's order to clean up its systems to halt these illegal out of state garnishments of bank accounts. 

Please help if you can.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute incorrect information that continues to be reported on my Equifax credit report. Despite my efforts to rectify this situation, the inaccurate information remains, which has adversely affected my ability to acquire new credit and purchase a home. 

I have previously sent Equifax a police report, an FTC document, proof of my address, a research request document, and a personal letter, all via certified mail, clearly stating that the information they are reporting does not belong to me. Despite providing these documents, the incorrect information continues to appear on my credit report. 

The persistence of this incorrect information on my credit report, despite my attempts to rectify the situation, indicates negligence on the part of Equifax. This negligence has had a significant negative impact on my financial endeavors, particularly in my attempts to acquire new credit and purchase a home. 

I kindly request your assistance in investigating this matter and ensuring that Equifax corrects my credit report. I am hopeful that with your intervention, this issue can be resolved promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

Opened XXXX. XXXX, 2018 Account status Open PORTFOLIO RECOVERY {$2100.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Checking or savings account

I was contacted by a buyer through XXXX XXXX. The item was {$40.00}. The buyer used XXXX to send the {$40.00}. Next thing I know there is something about a business account and having to meet certain criteria, so the buyer has to send {$360.00} more. Im then supposed to send the {$360.00} back ; which I did. Then this XXXX notice is saying he accidentally duplicated and I need to send {$360.00} more. At this point I knew something was off. I contacted the bank and reported it. A clan was filed for fraud/scam. The transaction was not stopped, which I nor the police officer understood. I contacted the police and a case was opened. # XXXX. I was told to call and give that to the bank. This morning I was contacted and told they were not going to re emburse the scammed money. There is a new XXXX policy that says if the scam is after XX/XX/year> and it was an imposter scam That the money has to be returned. Because you were tricked into transferring money, it is not an authorized transaction. This decision was made in 2 days. Was the police file even looked at? All the proof and conversation and XXXX e-mails are included. There is no denying this was a scam at my expense. Thank you.
Product: Debt collection

i submitted a previous complaint requesting specific documents which you gave me so Thank you for sending that. However, after going through the documentation that you have provided, you dont have any proof that I owe you anything and you have the authority to collect. I refuse to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report with XXXX, XXXX, and XXXX  and discovered a fraudulent account in my credit report. I am a victim of identity theft, and Bank of America account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from XXXX  reporting agency that Bank of America is reinserted back to my credit report.
Product: Credit reporting or other personal consumer reports

My account with those screditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 those account 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account also has inconsistencies in the balance due. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate. I am not liable and refuse to pay this debt with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no contract with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX via XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX via XXXX XXXX XXXXXXXX XXXX XXXX {$15000.00} First installment to XXXX XXXX XXXX XXXX with a XXXX XXXX. 

Payment when work commenced. 

Final installment {$7800.00} due upon completion. Contract was signed on XXXX XXXX XXXX, ( XXXX ) came to the job site at XXXXXXXX XXXX. to sign contract. 

I to date do not have a working XXXX XXXX. I have been in contact with XXXX XXXX via emails at least 15 and certified letters to the XXXX XXXX XXXX. And I get email requests to talk on the phone with a XXXX and a XXXX. I want everything in writing and will not discuss via a phone call. 

I was told by XXXX, XXXX my XXXX bill each month would be {$30.00} using the XXXX XXXX I purchased, and my bills are {$150.00} plus every month. XXXX switched my account to XXXX XXXX, on XX/XX/year>. I purchased the XXXX XXXX to ensure power in an outage, I still lose power. I suffer from XXXX from three XXXX XXXX trying to break into my home in XXXX. They threw the outside breaker, thank goodness I was home, and they were caught, leaving the scene and crashed head-on into another vehicle. I was taken to the scene of the accident by XXXX XXXX XXXX XXXX and was able to identify the one that was looking into my living room window. I saw the stolen car they were driving leaving my driveway on that horrible day. 

I pray you are able to help me. Thank you in advance for your time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Acima Lenders located in Utah. Has put in my Experian account that I have a loan or a merchandise between range {$4000.00} which I Absolutely Do not Have Any Product of Thiers. I need to Buy a new car and it's affecting my credit with the lenders. XXXX XXXXXXXX XXXX XXXX Thank you for your Time
Product: Debt collection

I have reached out to Capitol one in reference too some inquiries that are reporting on my credit. When i reached out to them they refused to remove the inquiries which were made on two separate occassions. XX/XX/XXXX and XX/XX/XXXX. There was no need to run my credit again. I already have a Capitol One card. Ive had one over three years. I wanted this investigated and they refused me. I was told to submit identity theft forms. I am not a vivtim of identity theft. The refusal to assist me dropped my credit XXXX points with those two hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before on this matter and Experian still has not corrected this. XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX is still showing on my credit file. I have filed a Identity Theft report and police report stating this isn't my responsibility. I have contacted Experian several times and sent all documents and proof of my Identity as well. THe FCRA prohibits them from reporting or keeping this on my file if Identity is compromised, but Experian and XXXX XXXX XXXX has just up dated this information again. Also XXXX XXXX has not validated or proven this after several request to do so. I have asked for the original instrument of indebtedness several times and XXXX XXXX XXXX  sent me a bunch of statements which is NOT acceptable per the FCRA as these types of documents can be altered and manipulated by any one. XXXX  and XXXX has deleted the information from my file as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with XXXX XXXX XXXX for approximately three years, having paid roughly {$2600.00} throughout that period with, only 45 % of my negative information removed in a timely fashion. Presently, I am investigating the depth and nature of the work completed on my case. From XX/XX/XXXX, XXXX XXXX XXXX paralegals informed me that TransUnion, XXXX, and XXXX  ( the entities that are the subjects of contention in this complaint ) provided responses that consisted of the descriptions " verified '' or " is verifiable. '' These terms merely constitute as semantics and do not provide substantive evidence to me, as the consumer, that the reporting of these items are accurate and valid. The credit bureaus, TransUnion, XXXX, and XXXX, have repetitively refused to identify the parties that verified the negative listings, nor have they produced to me in writing, the name and contact information of the creditors or courts reporting the listings. This negligence has led to considerable damage and challenges in securing lines of credit from creditors, qualifying for apartments, and other necessities. On XX/XX/XXXX, I sent to each one of the credit bureaus a formal request in writing and, with my signature, a request to be provided with specific information concerning the creditors or courts they claim to have substantiated the listings. XXXX  refuses to dispute the items in question again, despite the insufficient information they've disclosed on my credit reports and no formal letter received outlining the findings of their investigation. I am requesting that all three credit bureaus comply with providing the information I am requesting per the Fair Credit Reporting Act, 15 U.S.C. 1681. By this law, if the credit bureaus can not produce the names of the entities and contact  information to the affected consumer, then the credit bureaus are responsible for removing the disputed listings. In addition, I have a right to sue and seek damages if ( 1 ) details pertaining to the validity of the listings can not either be disclosed in writing to the affected consumer ( me ) or ( 2 ) the bureaus insist on using semantics as a disparaging way of discouraging the responsibility of the consumer ( me ) to exercise ( his ) right to ensure that all reporting is in compliance with Federal laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.