23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is a complaint on Bank of America 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens.

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different. 

Bank of America must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what their constitutional rights are.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX, GA XXXX Re : Request for Deletion of Charge-Off from Credit Report Account Number : XXXX ( XXXX XXXXXXXX ) Dear Sir/Madam, I am writing to formally dispute the accuracy of the charge-off status listed on my credit report for the XXXX XXXXXXXX account with the above-referenced account number. I respectfully request that this ac-count entry be deleted from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and based on the legal principle that a charge-off is considered in-come for tax purposes under 26 U.S.C. 61 ( a ).

Upon reviewing my credit report, I found that the account reflects a charge-off, which is negatively impacting my credit score. However, under 26 U.S.C. 61 ( a ) of the Internal Revenue Code, a charge-off may be treated as income by the creditor for tax purposes, meaning the amount written off is recognized as income, and is thus no longer a legitimate obligation that I owe.

Additionally, under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete. A charge-off, by definition, represents a situation where the creditor has dis-charged the debt, treating it as income rather than as an outstanding balance owed. This should not be reflected as a current obligation on my credit report but rather should be removed if the debt has been discharged.

Therefore, I request that you delete this charge-off entry from my credit report based on the following : 1. Charge-Off as Income : Under 26 U.S.C. 61 ( a ), a charge-off is considered taxable income to the debtor, meaning it is no longer a valid debt obligation. Since the charge-off is recognized as income for tax purposes, it should not be reflected as an outstanding balance on my cred-it report.

2. Fair Credit Reporting Act : Pursuant to the FCRA, 15 U.S.C. 1681 et seq., I am entitled to have my credit file contain accurate and verifiable information. A charge-off entry that has been treated as income should not remain as a negative mark on my credit file.

I respectfully request that you conduct a thorough investigation into this matter and, based on your findings, remove the charge-off from my credit report if the information can not be verified as accurate or if it is in violation of the above statutes.

Please provide me with written confirmation of the results of your investigation and the actions taken regarding this dispute. 
Thank you for your prompt attention to this matter.
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 U.S.C. 1681. 

Account : Child Support Enforcement # XXXX, Account : Child Support Enforcement # XXXX, Account : XXXX  XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Bank XXXX XXXX, Account 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

Continue to receive calls from XXXX XXXX Holdings excessively and on a business phone number which I can not receive any personal calls. The representative claims that I owe a payday loan debt and when I ask for more information they dont not provide any. The representative uses abusive language and yells over the phone demanding payment and accusing me. I do not recall ever taking a loan from Check and Go and contacted Check and Go and they do not have any records with my name or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

10. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPS took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called SPS back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ SPS he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.
Product: Bank account or service

USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.
Product: Debt collection

Trademark Management ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted XXXX ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. Trademark then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year 3 of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.
Product: Vehicle loan or lease

This complaint is being generated by the person to whom it concerns. 
On XX/XX/XXXX, I, the original creditor, consumer and Natural person went to XXXX XXXX XXXX for a consumer credit transaction as defined in XXXX XXXX XXXX ( h ) for a XXXX XXXX XXXX, and was conned into leaving with a loan. I gave XXXX XXXX XXXX my credit card pursuant to 15 USC 1602 ( l ) which states ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
I extended credit to XXXX XXXX XXXX in good faith and I received no benefit. XXXX XXXX XXXX practiced unauthorized use of my credit card. 
XXXX XXXX XXXX of XXXX has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has stated under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Only I, the consumer and natural person, have authority over my credit card because I am the card holder pursuant to 12 CFR 226.2 ( 8 ). STG XXXX XXXX of XXXX is under the Truth in Lending. Truth in Lending states that the finance charge is the only thing that I am responsible for ; 15 USC 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
What I participated in was a consumer credit transaction in which I received no benefit from being overcharged in an amount that was higher than what was determined as the finance charge. I was not given full disclosure of the contract 's terms and conditions nor did I know that the term finance charge could hold more than one definition under the Truth And Lending. 
I have reason to believe that XXXX XXXX XXXX is furnishing deceptive forms pursuant to 15 USC 1692j ; based on my own Documentary evidence supplied by XXXX XXXX XXXX the day of this transaction. 
I am aware that XXXX XXXX XXXX can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold XXXX XXXX XXXXP liable for these violations.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account at the BMO Harris Branch in XXXX XXXX, WI. I had received a {$300.00} bonus offer from BMO Harris, and I opened my account and presented the bonus offer that I had received ( see attached bonus offer ). 

I completed all of the requirements of the bonus offer. My opening deposit was above the minimum of {$25.00}. I made 2 direct deposits of at least {$500.00} within 90 days of opening my account. I made at least 10 debit card purchases within 90 days of opening my account ( see attached statements ). 

On XX/XX/XXXX, I noticed that my account had been closed without my action. I received no notice that my account would be closed. I believe BMO did this to avoid paying me the account opening bonus. When I inquired about this in an online chat ( see attached chat transcript ), I was told that my account was closed because there was no activity for 45 days.

When I asked where it said that accounts would be closed after 45 days of inactivity, I was told that it was part of the deposit agreement. I responded that the deposit agreement ( see attached deposit agreement ) made no such statement.

I believe that BMO Harris closed my account solely to avoid the payment of the {$300.00} bonus offer. In all my years of banking, I've never had an account closed after having a {$0.00} balance for just 45 days, especially without warning. In fact, to the contrary, I've had to follow-up myself to close accounts that have had XXXX  balances for years.
Product: Debt collection

CAVALRY PORT having on collection since XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for XXXX since XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XXXX and reported as XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. Thecredit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent the money on XXXX saturday but the recever can t receive it because The first name is Befor the Last name I sent {$20.00} to her
Product: Credit reporting or other personal consumer reports

Re : Follow-up on Complaint # XXXX Dear CFPB Complaint Investigators : I am writing to follow up on my complaint against Experian ( complaint # XXXX ) and to express my dissatisfaction with their response dated XX/XX/year>. After carefully reviewing Experian 's explanation, I believe they have failed to conduct a reasonable reinvestigation of the disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). 

Experian 's response raises several concerns about their compliance with the FCRA : 1. Failure to conduct a reasonable reinvestigation ( 1681i ( a ) ) : Experian provides no details on the extent of their reinvestigation beyond contacting the data furnishers. They do not appear to have made an independent determination about the accuracy of the disputed items or meaningfully considered the evidence I provided.

2. Failure to provide notice of dispute to furnishers ( 1681i ( a ) ( 2 ) ) : Experian does not confirm they promptly provided my detailed dispute letters and supporting documents to the data furnishers, as required. This calls into question whether furnishers had all necessary information to properly investigate the disputed items.

3. Failure to review and consider all relevant information ( 1681i ( a ) ( 4 ) ) : Experian offers no specifics on how they evaluated my dispute in light of the furnishers ' responses. Merely accepting the furnishers ' verification without weighing it against my evidence is insufficient.

4. Failure to provide adequate notice of results ( 1681i ( a ) ( 6 ) ) : Experian 's response does not expressly confirm the reinvestigation is complete, specify what information ( if any ) was changed, or fully explain my rights in light of the results.

These issues suggest Experian has not fulfilled its obligations under the FCRA to conduct a reasonable reinvestigation of my dispute. The lack of detail and transparency in their response leaves me unable to determine if a good faith effort was made to verify the accuracy of the information I challenged.

Therefore, I respectfully request that the CFPB further investigate this matter and compel Experian to provide a more comprehensive response detailing : 1 ) the specific steps taken to reinvestigate my dispute, 2 ) confirmation that all of my supporting documents were provided to the furnishers, 3 ) an explanation of their methodology for deciding the accuracy of the disputed items, and 4 ) a clear statement of the reinvestigation results and my rights.

If Experian fails to demonstrate full compliance with the FCRA, I am prepared to pursue all available remedies, including filing a private action under 1681n and 1681o. These provisions allow recovery of actual damages, statutory damages, punitive damages, costs, and attorneys ' fees for willful or negligent noncompliance. The FCRA 's civil liability and attorneys ' fee provisions create strong incentives to litigate these issues.

I hope the CFPB will help resolve this matter and protect my consumer rights. Thank you for your continued assistance.
Product: Debt collection

I continued to receive collections letter due to a XXXX XXXX XXXX computer error. The claim was due to a computer error on the part of XXXX XXXX XXXX or possibly fraud ( I dont know ). About 3 years ago, I spoke to an XXXX XXXX XXXX consultant and I was told that this was resolved and indeed it was a computer error that occurred ( I switched carrier from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX continued to charge me after the switch ). I received collections letters ( numerous letters ). I am shocked to receive yet another collections letter re the same XXXX XXXX XXXX. Each time I call XXXX XXXX XXXX  it's a time wasting exercise of talking to a ROBO voice person and spending no less than XXXX minutes to speak to a live person and then after that, XXXX to XXXX minutes to find me and the account. I have done this enough times to be extremely frustrated. I experience long wait time, cumbersome questions, often re-telling the story in entirety and speaking with someone who is not able to correct the problem. I am at my wits end. I don't know how to end the harassment letters from collections agencies. Out of principle, I don't want to pay for something which I don't owe. I ended yet another call with an XXXX XXXX XXXX representative who was dropped my call as he was trying to forward me to another department.
Product: Credit reporting or other personal consumer reports

I have asked the credit report to remove this account from my credit report more then XXXX time as it has been on my report for more then XXXX. It was open on XXXX XXXX and closed on XXXX XXXX. The name of this company is US Dept .of Education. I have written letters asking for this to be remove from my account.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.