23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding Bank of America 's mishandling of my claims related to prepaid cards that were never issued to me. Despite my repeated attempts to resolve this matter directly with the bank, I have faced significant delays, misrepresentation, and a lack of transparency. 

Details of the Issue : 1. Non-Issued Cards : Bank of America claims I received prepaid cards associated with claim numbers XXXX and XXXX. However, I have never received or activated these cards, and no evidence has been provided to confirm their existence or use. 


2. CFPB Response Discrepancy : In a previous response to a CFPB complaint, the bank did not mention these specific claim numbers or the cards in question, further complicating the situation and casting doubt on the integrity of their records.

3. Prolonged Delays : The bank has unnecessarily delayed resolving my dispute, causing significant financial and emotional hardship. 



What I Am Requesting : 1. A full investigation by Bank of America to determine if these cards were ever issued or activated.

2. Immediate relief from the delays and a resolution of the dispute.

3. Transparency in their records and an explanation for why these cards were not included in their CFPB report response. 



I am seeking your assistance to hold Bank of America accountable and ensure a fair resolution to this matter. Please contact me at [ Your Contact Information ] for any further clarification or details. 

Thank you for your help in resolving this issue.
Product: Mortgage

My name is  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX , NJ  XXXX , we bought our home in  XXXX   XXXX  and the home needed extensive work which we did to make it our home. I am a   XXXX   XXXX   XXXX   and my Husband is a  XXXX   XXXX , we dont make a lot of money but we always paid our bills on time and prided ourselves on our perfect credit scores. It was around  XXXX  when we were having difficulty with money and struggled each month to pay our mortgage but we paid even if it was a little late until  XXXX  when I made a partial payment, they sent back my partial payment. I had called Bank of America many times and asked for help but they told me that because I was not delinquent on my mortgage that they could not help me, they then said not to pay my mortgage so that I can get help and receive a modification. I didnt know what to do at the time and I tried to borrow money but I had no luck with that, as it turns out I went into defaul on my loan. At the beginning I was receiving phone calls but I didnt speak with anyone out of embarrassment for my situation and then when I finally spoke with someone I had told them that I was receivng a commission check in  XXXX  and that I could pay most of what I owed and again asked for a little help but that never happened, I was told that I can make a payment and then be considered for a program but then they inforrmed me that my payment of almost {$8000.00} was not enough. I then started to work with a few reps at the bank which were less than nice and understanding until finally they gave me someone who cares. I was finally going to get a modification on my loan, after waiting for several months and hoping that I could get a modification they denied me last week. They had told me to go for a short sale, I dont want to sell my home, I want to pay and keep my home. I am also trying to get help from the State of NJ who has a few programs that I will be considered for. I am so fed up with Bank of America, all I wanted was some help to get me through some hard times but they dont care about the consumer. I thought that when they told me DO NOT PAY YOUR MORTGAGE so that you can get a modification I believed them. M y Husband and I are going through a very hard time mentally try to absorb what is happenig to us and we need  some help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file, i noticed an inquiry from XXXXXXXX XXXX XXXX  on XX/XX/year>, which i did not authorize.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 USC 1602 ( 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. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.
Product: Credit card

I started a claim for incorrect entries on my credit report and requested that information be researched and once researched to remove from my credit. When I received the updated report it had several accounts on my credit that was not mine.
Product: Debt collection

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
Product: Mortgage

Wells Fargo foreclosed and had me evicted form my house about XXXX in XXXX XXXXI lost all my possessions and was on the streets for 3 days. cfpb must determine if Wells Fargo was in violation of federal Law!
Product: Student loan

Requesting electronic forbearance every month since XX/XX/ to stop making payments due to financial issues. Have not received even one single confirmation or inbox message about my request being accepted/denied since then, even though the average time is 28 days. I have called multiple times and no one responds. My account is entering delinquency when I have been timely enough to enter this information multiple times. I have not had this issue previously with my last borrower, only with EdFinancial.
Product: Checking or savings account

Hello I had Eight ( 8 ) insufficient fees assessed to my account. Two ( 2 ) in XXXX 2022, Four ( 4 ) in XXXX 2022, One ( 1 ) in XXXX 2022, One in XXXX 2022, Two ( 2 ) returned checks fees for XXXX. For the two returned checks I submitted a money order and both times it was returned to me via mail advising me to re-deposit the money order / check. 
Furthermore I have been unemployed due to Covid-19 however actively seeking employment. I sincerely can not afford this late fees assessed to my account it is totaling {$290.00} which I can apply towards an overdue bill or purchase food for my family.

Also I had my account for over 20 years and suddenly I am paying {$12.00} to keep this account going. I need help with resolving this on going matter. Thanks
Product: Credit card or prepaid card

I Call to Barclay 's and inform that I Lost my job, and the only I can paid is XXXX monthly. they never want to help me to lower my monthly payment. I been pay a monthly, at least 2 weeks before due date of {$100.00}. That's the only i can afford right now. I never stop pay, but I sent what i can afford. They never listen to me, they just harassments every month. I need help, I don't denied to pay, but I just need help to low my monthly due to {$100.00}, and stop harassment 's, and also stop give a negative report to my credit. 

Sincerely XXXX XXXX
Product: Credit card

I disputed a botched XXXX done overseas. They closed the dispute without providing a provisional credit or contacting the merchant. I received an email stating dispute closed due to no documents provided but no one called or wrote what documents were needed. I provided medical records and an email showing the pffice is refusing to see me. I also can not be seen in the XXXX since no doctor will treat me due to being seen in XXXX and they are forcing me to provide documentation that can not be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some incorrect information that was showing on my Experian, XXXX and XXXX   credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. XXXX did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

Experian - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX  are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX XXXX did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for XXXX is from the Experian 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, Experian 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. XXXX on the other hand is show the account closed with no date but, a perfect payment history through XXXX of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
Product: Credit card or prepaid card

My mother made the payment on my discover acct. The odd thing was it requested the payment be processed thru my XXXX XXXX XXXX XXXX checking acct ending in XXXX we paid XXXX XXXX then XXXX mths later we get notification of missed payment. said balance of XXXX, when we did it only showed her XXXX XXXX XXXXXXXX XXXX checking acct ending in XXXX. Its reporting a missed payment when we have never missed a payment and it has dropped mmy credit rating from XXXX to XXXX for XXXX missed payment. I would like this missed payment removed from all credit files. My mother had 100 % payment history for 7 years and now this dropped her from 100 % pymt history to 99 % and has negatively impacted my credir and hers. they can pull up XXXX XXXX ssn XXXX and see she has never missed a pymt as well with tthem. This is an error on behalf of discover
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  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 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 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

Ally hired XXXX XXXX XXXX to collect on an alleged debt for about {$3300.00}. They advised me they are authorized to collect and I verified this with Ally. I settled the alleged debt in FULL for  {$1300.00} on XX/XX/2020. I have the letter from their authorized representative stating this. I have disputed with all three major credit agencies and Ally continues to damage my credit by verifying false information. Here is the quote from their representative : " We are an authorized representative for Ally Financial. This letter is to confirm receipt of your final payment of {$1300.00}, received on XX/XX/2020. Upon clearance of funds, the above-mentioned account will be closed as settlement in full. '' The document I have attached, that the company sent me as proof of payment in full, is protected with the last four of my social security number and can be opened with that 4-digit number.
Product: Credit card

I keep receiving a credit card statement from Wells fargo for a credit card that i never opened with them. I spoke to them and told them that i never opened this account ; they closed the first account and opened a new one and transferred the balance tot he new account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 I purchased a water system for the property i owned with my spouse located at XXXX XXXX XXXX XXXX XXXX Texas XXXX. It was purchased during a home visit through XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas XXXX. Dealer # XXXX. The representative 's name was XXXX XXXX. I filled a charge slip and was approved for the total amount of {$6900.00}. 
when I asked Mr. XXXX about the financing I was told it was a revolving credit card with a company Called Aqua Finance XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
Now some 3+ years later we are selling the home and are now told that there is a lien on our property that has to be paid. 
Today when I contacted XXXX XXXX XXXX  ' Area manager at the time of sale ; XXXX XXXX she informed me that as a representative of XXXX XXXX XXXX Mr. XXXX and herself were not aware of this. Did not inform any of their buyers that this was the case because they were never given knowledge of this. 
I feel that this was deceptive trade and something needs to be done about this. 
We have paid as agreed and have signed an agreement with the new owners to continue to pay until the system is paid in full.
Product: Credit reporting or other personal consumer reports

I am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents
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 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 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 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  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: Money transfer, virtual currency, or money service

My account was blocked for more than 2 weeks now without any explanation. I have requested the access to the account every day and I am getting copy/pasted generic responses from Coinbase. I have funds in the account and I cant get to them. I have provided all verification information they requested and they have approved that and confirmed that they have received this information but my account is still locked.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$4700.00}
Product: Mortgage

I applied for a {$35000.00} Home Equity Loan. I told them my husband had XXXX andthat I have a Power of Attorney done through our lawyer at the very beginning. 
When we got to closing they insisted my husband had to sign the loan documents with the Notary. Once that was done I 'd have the money in my bank account on XXXX/XXXX/15. On XXXX/XXXX/2015 they called me and said the Notary was uncomfortable with my husband understanding what he was signing so the title company denied my loan. The only way I could get the loan was to get a letter from a doctor stating my husband understands what a home equity loan was and that he knew what he was signing. I told them he does n't know and no reputable doctor would do that. So I spent weeks on providing paperwork and was assured everything was fine for nothing and I have to start over again with another company. I needed the money to move as my husband 'XXXX two hours away. I just do n't understand when I worked so hard getting them every document they requested.
Product: Credit reporting or other personal consumer reports

Amount : {$10000.00}. Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX ( XXXX ) is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )