23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX Account # : - XXXXXXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) - Account # : - XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) / Account # : - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) / Account # : - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : - XXXXXXXX XXXX XXXX XXXX XXXX U / Account # : - XXXX XXXX XXXX XXXX XXXX Account XXXX : - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
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. 
XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX resort timeshare reported wrong debt amount owed after a breach of contract. Reported doubled the amount owed on account.
Product: Credit card or prepaid card

I received a letter from Bank of America dated XXXX XX/XX/2020 stating that as a result of a recent review, my credit limit on the card in question was reduced to {$500.00}, with a cash advance limit of {$250.00}. This is a drop in credit limit from {$20000.00} to {$500.00}, which significantly impacts my overall credit score. 

Bank of America 's reason for doing this was because I failed to pay off a balance of approximately {$2.00} over a two month period. I was not aware that Bank of America charged some sort of fee following the payoff of their card earlier in the year. I was charged {$30.00} for not paying the {$2.00}. Upon receiving the letter mentioned above, I immediately paid the card off in full. 

I pay my bills electronically, however I depend on monthly mailed statements from my debtors to prompt me to do so. Bank of America went paperless on my account in XX/XX/2020 without informing me. I did not authorize this. Bank of America immediately changed my account back to paper billing, so I know this was their error and not simply a matter of policy. My email 's spam filter sends Bank of America emails to my spam folder, so I was not aware I still had a {$2.00} balance. Had I been receiving paper statements I would have known and paid the bill. The person at Bank of America that I spoke to by phone said they do not know why the paperless billing was started and that there was no request from me in their records to begin this practice. 

I requested from Bank of America that they restore my account to the previous limits in order to restore the damage they did to my credit score. They refused unless I made a formal request for consideration, which they still could refuse. I was advised this action may further impact my credit score, so I am now filing this complaint. 

It is my belief that Bank of America is taking discrimanatory action against me because I do not use this credit card account regularly. I had an XXXX+ credit score prior to this and I feel that Bank of America 's actions are much too harsh for someone who missed one payment for {$2.00}. I believe Bank of America reviewed my account and saw the infrequent use and is now taking actions to force me to close this card. I do not pay bills late, and prior to this had never made a late payment to Bank of America. I have had this credit card for approximately 15 years. 

Lastly, I received another bill from Bank of America this last billing cycle with a charge of {$1.00}. I called Bank of America to inquire about it, and they informed me that the fee was levied to my account in error, and immediately reversed it. This makes me think the {$2.00} charge was also levied in error and because I did not catch it, Bank of America charged me the {$30.00} and lowered my credit limit. I believe that Bank of America may do these actions purposely in order to levy further fines. 

I appreciate your consideration in this matter.
Product: Debt collection

IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ).

IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Product: Mortgage

Our property taxes for the year were {$970.00}. 
There was {$4600.00} in escrow. 
Lakeview ( XXXX XXXX ) claims to have disbursed {$6200.00} to the city and the county, who have not received payment. 
I subsequently paid {$1000.00} out of pocket per an end of the year tax bill. 
The city and county tax divisions do not record any other debts paid on the property. 
Because Lakeview claims to have disbursed {$6200.00}, they now also claim that our escrow account balance is- {$1500.00}, and have increased our monthly payments by {$340.00}. 
This is a new build home that closed in XXXX. The property taxes did not total $ XXXX for the entire year and were estimated at {$3400.00} at the date of closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX Late payments XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XXXX  XX/XX/2017 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 instruction
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. Collins v. Experian Credit Reporting Serv.. This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. Osada v. Experian Info. Solutions, Inc.. If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. Experian Info. Solutions Inc..
Product: Credit card

I'm following up on my prior complaint regarding B of A 's wrongful credit reporting : I very clearly stated in my complaint that I believe this rises to a UDAAP violation because B of A made no attempt to make contact with any emails or phone calls, while promising to do so. This failure directly lead to what B of A claims was an accurate negative credit reporting under the FCRA. Therefore, even taking B of A 's statement about its FCRA reporting to be true, B of A has lead to a UDAAP due to its failure to contact the customer as promised. The account disclosures also make no claim that B of A may choose not to contact the customer with the provided contact methods in the event a payment is late. Therefore, a consumer absolutely should have been able to trust that B of A would have made contact about a slightly late payment while the situation could have been fixed without harm to the credit report. In fact, this the industry standard. B of A, one of the USA 's 2 largest banks, HAS FAILED TO ENGAGE IN STANDARD INDUSTRY PRACTICE TO PROTECT ITS CUSTOMERS FROM EXTREME HARM TO THEIR CREDIT SCORES. If B of A does not correct this, then the CFPB should consider a UDAAP action against B of A. Moreover, B of A simply failed to respond to this crucial part of my complaint. If B of A does not fix this, legal action will be taken.

In addition, B of A 's response was simply a form response denying any wrongdoing. However, it also failed to respond to another key point of the complaint ( in addition to the UDAAP issue above ) which is that the bill was never seen, and likely never receieved by the customer and that there have been problems with the mail in this area. Because of potential problems with the mail, contacting the customer by phone or email, when the customer provides this information becomes all the more important. It also adds to the UDAAP allegation above.
Product: Credit card or prepaid card

Their practice of charging to transfer Southwest ( SW ) rewards points from one member to another is unethical, deceitful, and easily misinterpreted! On XX/XX/2022 I got charged {$600.00} to transfer XXXX points to my daughter because she was making our reservations for four tickets because she had a SW credit she was using also. When she couldn't use her SW credit and the reward points, she transferred them back to me and also got charged {$600.00}. We thought the charge was a " holding fee '' to complete the transaction and never dreamed that we were actually being charged {$600.00}. Is that even legal to be charged again for points I earned through prior purchases with my Chase SW credit card?

I immediately called SW and spoke with a rep, who eventually transferred me to a specialist and both said they could do nothing. I understand SW will make changes to transactions with no problem within 24 hours with no charges. As we called them immediately after the transfer and we noticed the {$600.00} charges, this should not have been an issue to reverse. Mind you, it was an almost 2 hour call, mostly on hold! Now I have been charged {$1200.00} for NOTHING! This is the first, and last, time we will fly SW. 

In the spirit of transparency and good faith business practice, SW should not allow passengers to transfer points on-line but require them to call and speak with a SW agent. Then the agent can make sure the customer understands that they will be charged an astronomical amount to proceed with the transaction! If that was clear I would never have transferred the points and then have my daughter transfer them back to me. Obviously, we grossly misunderstood their policy on transferring points.

In checking out SW reviews others have also complained of this very same thing. Not that their rating could get any worse as XXXX XXXX XXXX gave them a XXXX  rating and XXXX  out of XXXX  stars. XXXX XXXX website rated them XXXX stars out of XXXX I'd leave a XXXX XXXX  star if I could. Obviously, they continue to practice in an unrighteous manner and the public needs to be alerted so they dont fall victim of SWs unethical, deceitful practice! This practice needs to be exposed and it needs to be changed!
Product: Credit card

XX/XX/year> Elan Credit card limit which was only {$300.00} Was by passed by Credit card company without my permission to an amount of {$1000.00} I told them for the last XXXX months before to stop charging my card without my permission. I sent them {$500.00} and told them I'm done, paid in full close the account please ; they refuse to acknowledge what I sent. And are charging it to collections and still adding to bill? I already shredded the card and they are still adding to this bill.
Product: Credit card or prepaid card

I made a payment on my Discover card on XX/XX/2022 online. Without providing me any notification, Discover placed a hold on the payment despite posting the payment and the funds having been withdrawn from my checking account. The representative informed me that there is an 8-day hold on the payment to " investigate '' the payment even though they never notified me nor contacted me about any potential issues with the payment or any explanation as to why this payment was placed on hold and being investigated. As of XX/XX/2022 - much longer than the " 8 days '' promised, Discover still has not posted the payment or completed whatever investigation they are conducting. I have contacted Discover multiple times and they refuse to provide me with any information as to the reason for this investigation into my payment and they continue to refuse to fully post the payment and make my funds available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00}.
Product: Credit card or prepaid card

XXXX has a storewide policy ( for non-cardmembers ) that they will issue a price adjustment 7-14 days after you make a purchase and the item goes on sale. I have made various price adjustments in the past with no issue. I am XXXX credit card member that earned cash rewards for purchases made over the holidays. I recently requested a price adjustment and instead of issuing the fully adjusted price credit, because I used my cash rewards, they deducted my credit card rewards as part of the adjustment credit and only issued a partial price adjustment. This is an unfair and deceptive practice as those rewards were earned for spending {$200.00} multiple times. Price adjustments shouldnt negate these rewards! In addition, non-cardholders dont receive any such penalty and are issued the full price adjustment credit. Why should loyal card members be penalized from engaging with their card and utilizing the rewards program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX7XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax continue to report negative fraudulent information on my credit report. They are in violation of the FCRA.
Product: Credit card or prepaid card

I have completed all the details provided, but I have not received a credit or debit card account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was logged into Experian and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both Experian and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact XXXX and Transunion about the matter to dispute the error, to the day Transunion have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXX also the exact same thing with XXXX. On XX/XX/XXXX I contact XXXX about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting XXXX, Transunion and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.
Product: Debt collection

Okay so I am on the fraud list and need to be taken off. The amount I owed has been payed, USAA says that my account has been cleared and that I should be taken off the early warning system. I am in the military and because I am on this fraud list no bank will accept me and I got checks that need to be cashed rather than sit around until they expire. If you can could y'all speed up the process of updating the list or take me off the list. Please and thank you XXXX XXXX
Product: Mortgage

I have an open mortgage with mr Cooper loans. Today myself and many customers noticed multiple payments withdrawn without consent leaving my account negative. Some payments were refunded There was no payment due and I am not on auto payment either. Nobody answers their phone. Their XXXX page is flooded with complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my XXXX XXXX XXXX and XXXX XXXX report shows a increase of XXXX just added to my report through XXXX XXXX. I called XXXX XXXX XX/XX/XXXX & XXXX Th 2020 at XXXX XXXX and XXXX XXXX. XXXX said there are no late payments and that they will file a dispute but will take XXXX business days! My score as of XX/XX/XXXX Th 2020 is XXXX! If this increase of XXXX through XXXX XXXX  was not appearing my score would be in the 700 s and I have not been late one time with them all these years! Why is this saying this if XXXX  said in their end they see no increase of XXXX nor have I been late?! This is impacting my ability to have a higher score and it's not EVEN my fault ; (