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

Re Bank of America CC to XXXX XXXX XXXX, No. XXXX 1. This card was solicited by fraudulent offer. The offer was a {$100.00} discount from XXXX XXXX, which was never provided. 

2. The dispute involves BoA second fraudulent actions when I attempted to call them three times to cancel card ( each time it took 15-45 minutes to get an operator, after fighting through a menu to nowhere ) : a. The first time, intake stated she was agreeable to canceling card and all charges but could not do so even though she could see that the train ticket was canceled, it had not yet entered their system. 

b. The second time I called intake again stated that he would be glad to cancel all charges and the account, and then informed me, with out asking my permission, to transfer me to someone else to do this, and, after he transferred me, the bank 's system dropped the call. 

c. The third time I called, and went through the interminable menu, the recorded voice told me to call again later. 

Bank of America appears to be following the discredited policies and practices of XXXX XXXX of generating faux business, and, notwithstanding all their operators assurances that the charges and card would be canceled, they have dinged my credit card at the same time I am attempting to get a mortgage, at great expense to me. 

Do you have a way of getting their attention and not being hung up on, because, I am being injured right now significantly by a bank committing repeated fraud. 
How can your complaint be satisfactorily addressed?
Product: Money transfer, virtual currency, or money service

Coinbase has withheld XXXX XXXX XXXX  that belonged to my XXXXXXXX XXXX XXXX that was left to myself and XXXX XXXX for almost a XXXX. They have repeatedly lied about it and keep dodging the refund any way possible.
Product: Debt collection

I was called multiple times by Aldous and Associates regarding a debt I do not owe. I have disputed the debt via telephone and via XXXX letters. I have requested a long list of information they are required to provide under the FCRA. They only provided parts of that information. Despite multiple requests, they have not provided me with their debt collection license number or proof that they are license to collect debts in the state of North Carolina. They are legally obligated to provide this and have not. 

Further, they are in possession of proof that I do NOT owe the alleged debt but have not replied to my most recent dispute letter. It has been over XXXX  days.
Product: Mortgage

The use of XXXX affidavit by myself and Attorney XXXX XXXX in an effort to show the existence of a material fact issues for trial were essential to the judicial process itself and the standards for affiant-submitted evidence that XXXX violated must be examined in this case. Due to the magnitude and importance XXXX XXXX Expert Opinion could have to safeguard Texas home owners TODAY, it was imperative that XXXX XXXX 's sworn submission be sufficient in execution and substance to ensure the integrity of his statement. XXXX XXXX demonstrates he does not understand the legal significance of his statements and opinions and should be advised that this behavior brings question to his integrity, ethics, and his lack of professional standards contribute to additional erosion in confidence that Texas residents rely upon from the industry he represents. 
The affidavit submitted by XXXX XXXX demonstrates his indifference to the potential for punishment and adds additional questions of moral value for all appraisal professionals in the state of Texas. The affidavit that was submitted by XXXX XXXX was utilized to protect the integrity of the truth seeking process and to support the integrity of my claims before the courts. At the interest of all future Texas appraisers, the affidavit XXXX XXXX submitted should be utilized as an object lesson for other appraisers offering Expert Opinions in the state of Texas on what NOT to do when supplying a sworn affidavit to the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to repeatedly to register with Equifax for their " trusted id '' credit monitoring and to freeze my account. I have repeatedly gotten notices to activate the services and repeated gotten error or system unavailable messages when I follow their instructions for activation and freezing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a notice to Santander Consumer USA 's dispute address regarding information they are furnishing to my consumer reports that federally are not supposed to be there.

Santander consumer Usa is furnishing late payments and an account status as charged-off which is in direct violation of the Fair Credit Reporting Act. Specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) which I included in my notice letter. Information solely as to transactions and experiences between the consumer and person making the report shall not be included in consumer reports. 

It is now XX/XX/2023 and I have not received any response from Santander Consumer USA or any change in my account status on ANY of my consumer reports
Product: Credit card

Capital One Bank ( USA ) N.A advertised a credit card solicitation in which I applied for a credit card. Capital One Bank N.A received an application known as a debt security which their issuer known as Capital One XXXX XXXX XXXX provides and Capital One XXXX XXXX deposits the securities to assign to the trustee to carry out fiduciary duties in the best interest of Capital One XXXX XXXX XXXX and its shareholders. Capital One and all of the other subsidiaries has failed to return my investment and any money I am due. Capital One stated to the SEC that they would pay principal and interest. How is my account being closed if you agreed to apply interest
Product: Credit card or prepaid card

swiss colony montgomer closed account showing three late payments i never been late with this company
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 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, states a consumer reporting furnish an 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 and crimes which antedates the report by 7 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

Experian will NOT allow you to update your balances until the Credit Card decides to do so. They like to update debt reported to them from the Credit Cards ( their clients ) whenever they want -- but refuse to correctly indicate the Card is paid in full when it is so it will adjust your scores asap. I do NOT believe there is a law which indicates they can't updates these reports immediately which is what they use as to why they don't allow it when you are disputing balances. 

I just disputed these two cards as being paid and Experian continues to show them as having balances. My plan is to close 1 each 6 months so they don't lower my scores in the current system of FICO as of today. Unless this changes this is what we have to work with. These bureaus are private and are in business only to make money not to help consumers!. 
I want these updates when they happen I am sure their computer systems can trigger instant updates. Here attached are the paid off credit cards for XXXX XXXX ending in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding fraudulent information on my credit report as a result of the XXXX data breach. My personal information was compromised, leading to the appearance of fraudulent accounts on my credit reports from all three credit bureaus ( XXXX, XXXX, and TransUnion ). 

To address this issue, I sent certified letters to each credit bureau requesting verification of these accounts. Specifically, I asked for signed contracts or documentation proving my agreement with the listed creditors. Despite following the proper dispute process, the credit bureaus failed to provide this verification within the legally required timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). 

These fraudulent accounts are negatively impacting my credit and preventing me from securing housing, causing undue stress and hardship. The lack of response and resolution from the credit bureaus has left me with no other choice but to escalate this matter. 

I kindly request the following : XXXX. Removal of all fraudulent accounts from my credit reports. 
XXXX. Confirmation of compliance with FCRA requirements to investigate and verify disputed information. 
XXXX. Assurance that my credit report is updated to accurately reflect my financial history. 

I appreciate your assistance in addressing this urgent matter. Please let me know if you require additional documentation or information to support my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  CREDIT CARD ENDING XXXX since XXXX almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents in to transunion asking to investigate inaccurate error on my consumer report I sent docs in XX/XX/XXXX no response XX/XX/XXXX no response and now XXXX still no response they our reporting accounts thats inaccurate and XXXX or XXXX  isnt reporting. According to the FCRA Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( XXXX days ) 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, XXXX, XXXX, XXXX XXXX ) 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX  has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions. 

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX account, which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmong others. 

**Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX as well as with XXXX and XXXX XXXXXXXX XXXX XXXX 
- I have also filed a report with XXXXXXXX XXXX XXXX Identity Theft Victim  Assistance XXXX and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being. 
- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Sometime in XXXX Harley Davidson Financial Services began contacting my cell phone which is my only phone and I rely on it for my work as a nurse and when my school aged children need me. They call me XXXX but I 'm most assuredly a female. I have never owned a motorcycle or taken out a loan for one. I told them repeatedly to stop calling me and take my number off their list. I have asked to talk to supervisors. I have asked that my calls be recorded. Most recently they called me on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Enough is enough. I am on the do not call list. I have contacted the XXXX, and made complaints each of the last three times with the FTC.
Product: Mortgage

I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ). 

On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment. 

In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer. 

While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX. XXXX Date Opened XX/XX/2016 Balance {$4500.00} and XXXX XXXX  XXXX. XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-XXXX Account # 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
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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 U.S.C 1681 section 602 A. StateXXXX 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 or other personal consumer reports

On XX/XX/year> XXXX told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. XXXX told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about a week to ten days to remove the Lock. We have not heard back from XXXX so I called customer support and they told me to resend the information and it would be about a week to ten days to resolve the problem and XXXX hung-up on me. 

My main concern is that I have received several emails from XXXX telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed
Product: Payday loan

Lady called and said I took an online Internet payday loan, which I did not.