23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The Bank of America, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense.
Product: Credit card

On XXXX XXXX, 2016, I learned that the US Bank FlexPerks Travel Rewards Visa Signature card and the US Bank FlexPerks Business Edge Travel Visa Signature card had a special promotion for the XXXX 2016 Olympic Games in which new cardmembers would earn a certain number of FlexPoints depending on the number of medals won by the US Olympic Team. The link for the promotion is found here : XXXX In short, each card offered a XXXX FlexPoints Enrollment Bonus for spending {$2000.00} within the first four months of account opening, as well as XXXX Bonus FlexPoints based on the number of metals Team USA won at the XXXX 2016 Olympic Games this month. 
I have been waiting for this promotion for years, as I have wanted the US Bank FlexPerks Travel Rewards cards for myself personally as well as my business, but I wanted to wait for the Olympics promotion. As soon as I saw the promotion, I applied that night, and was approved later the same week. For the personal card, my friend asked if I could use his referral code, so I thought I would help him out since he would get XXXX FlexPerks and I would get my XXXX Enrollment Bonus plus the yet-to-be-determined number of Bonus FlexPoints for the Olympics. 

After the Olympics ended, I had already completed my {$2000.00} spend on each of the XXXX cards. I saw that the XXXX Enrollment Bonus points had already posted, but nothing from the Olympics had posted. 

I then emailed US Bank and asked to confirm that I would receive the Bonus FlexPoints from the Olympics. 

The response I received was this : " Our records indicate that this account was not applied with the Olympics promotional offer. In addition, you are not able to combine offers. Therefore, you could not apply with a Refer-a-Friend offer and the Olympics promotion. Therefore, you will not earn bonus FlexPoints for medals won by the United States at the 2016 XXXX Olympics. Please contact us again if we can be of further assistance. '' I feel very disappointed and slighted out of the bonus I had been patiently waiting years for and had rightfully earned based upon the promotional terms, which do not state that Refer-a-Friend applications are ineligible. I feel that I am being punished for using my friend 's FlexPerks number in my application in order to give him XXXX Bonus FlexPoints, and of course my friend feels terrible that he caused me to miss out on XXXX Bonus FlexPoints myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of violated my Federal protected consumer rights to privacy and confidentiality under [ 15 USC 1681 ]. 

Account : XXXXXXXX XXXX XXXX XXXX  XXXX - Claim account closed Account : XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX. All has violated my rights. 

[ 15 U.S.C 1681 ] section 602 A. States I have right to privacy. Accur [ 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. 
The United States Constitution in clear, 605. [ 15 U.S.C. 1681c - 1 ] 607. [ 15 U.S.C. 1681e ] 622. [ 15 U.S.C. 1681r ] 10 Plus years of consistent Payments on record with this reporting agency.

623. [ 15 U.S.C. 1681s - 2 ] 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 conviction 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 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

15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Notice to Agent is notice to principal notice to principal is notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. XXXX and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. 

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithms not a factor where the consumer report is concerned
Product: Checking or savings account

On Saturday XX/XX/2020 at approximately XXXXXXXX XXXX I attempted an ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, IN from my Venmo checking account for {$260.00}. The ATM displayed a message that I did not have sufficient funds, although my balance showed {$270.00} available. I tried the withdrawal a second time and received the same message. I removed my card and no money was dispensed. Approximately 15 minutes later, the {$260.00} was deducted from my account. I immediately reached out to Venmo Support and was advised they would look into it because they show the money was dispensed. On Monday XX/XX/2020 I contacted XXXX XXXX XXXX  and they verified that the money was not dispensed to me. Venmo still has not returned the money to my account and efforts to communicate with them have not gotten any reply.
Product: Credit reporting or other personal consumer reports

These names are incorrect and should not appear on my credit report. This is a direct violation of my rights and needs to be deleted immediately. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX These address are not accurate nor have they ever been. This is a direct violation of my rights and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX This employer is not correct and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We took out a loan with XXXX. They had BMO issue the loan. 

The names on the profile and the loan account are different, and we are having a hard time accessing all the information about the loan. 

I am uneasy about paying the loan amount into an account I have no access to. 

Calls with BMO : XX/XX/23 - XXXX - 1 hr 31 min XX/XX/23 - XXXX - 18 min XX/XX/23 - XXXX - 57 min XX/XX/23 - XXXX - 1 hr 13 min XX/XX/23 - XXXX - 12 min XX/XX/23 - XXXX - 14 min At one point XXXX from the Resolution Team told me that she will look into it and give me a callback. No callback was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I HAVE PROBLEMS WITH BANK OF AMERICA SOMEONE MADE A FRAUD WITH MY DEBIT CARD AND FRAUDED ME WITH {$4500.00} I MADE A CLAIM TO THE BANK AND THEY AS IF NOTHING TELL ME THERE WAS NO FRAUD AND THEY KEEP ALL MY MONEY, I MADE A COMPLAINT AGAIN TO THAT THEY INVESTIGATE I WILL MAKE A COMPLAINT TO THE POLICE DEPARTMENT, I NEED HELP TO RECOVER MY MONEY. CLAIM ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXX XXXX  and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems 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. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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

I already reach out to the credit company that this account was supposed to be made for my identity has been stolen and disputed among multiple accounts due to identity theft I told the company this account was opened fraudulent and I have no access to this account information
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 Account Number : XXXX and list of Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX, along with XXXX, are in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) by failing to handle my disputes responsibly and in accordance with federal law. First, these credit bureaus are disregarding their duty to conduct a timely and reasonable investigation as mandated under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), which requires a reinvestigation of disputed information within 30 days of receiving notice of the dispute. Additionally, they are failing to notify data furnishers of my dispute, violating 15 U.S.C. 1681i ( a ) ( 2 ), which requires that the credit reporting agency forward notice of the dispute to the data furnisher within five business days. Furthermore, 15 U.S.C. 1681i ( a ) ( 4 ) obliges these agencies to review and consider all relevant information I provide, yet they are verifying inaccurate public records without considering the supporting documentation I have submitted. 

XXXX and the credit bureaus are repeatedly verifying inaccurate information without conducting proper investigations, violating 15 U.S.C. 1681s-2 ( b ). This section mandates that furnishers of information, upon receiving notice of a dispute, must perform a complete and accurate investigation and report their findings back to the credit bureaus. The repeated verification of inaccurate information, despite clear documentation to the contrary, demonstrates willful non-compliance and a reckless disregard for the accuracy standards outlined in 15 U.S.C. 1681e ( b ). Lastly, their delays and lack of responsiveness in handling my disputes breach 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates timely reinvestigations to protect consumer rights.
Product: Debt collection

My identity has been stolen. I 've gotten letters from XXXX saying I owe {$85.00}. I called XXXX and they said I do n't owe them anything, and I have n't been on there for awhile. My last letter was from a collection agency called Allied Interstate.they gave me 30 days to pay them, but I do n't owe XXXX. I called collection agency he answered Hello. That was not how you answer the phone as a collector. He was XXXX I barely could understand him. He had my address and he said " is your address right ''? he said is that a yes.? I hung up the phone. The number I called that was on the letter was XXXX.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 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 XXXX XXXX XXXX XXXX XXXX XXXXNever 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 8
Product: Mortgage

I sent mortgage pre-approval request to Lennar Mortgage. 
I have not even chosen a house yet. 
But they immediately made hard inquiry on my credit score at XX/XX/year>. 
They didn't notify me or asked me about it.
Product: Debt collection

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure 10 investigate these item within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong
Product: Credit card

The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.
Product: Credit card or prepaid card

Re American Expess acount : XXXX XXXX XXXX. 

In XXXX, I opened a Hilton AX card with a bonus of XXXX points after initial spending. The threshold was met on my first statement. 

Three months have passed, and the points have not shown up in my account, and today a rep on the phone told me my account was being reviewed. 

I have no idea what that means, but, frankly, I expected better service than this from American Express. 

Then again, maybe I didnt really expect better service, and thats why I made sure I printed out the chat transcript I had with one of the AX reps on XX/XX/XXXX to make certain the terms of the bonus offer were in writing ( I mistakenly cited XXXX points at the start of the chat and the agent even corrected me to point out I would be receiving XXXX points ). 

You will see from the transcript that at XXXX XXXX  on that date the bonus was confirmed and at XXXX XXXX, the time frame was confirmed again. 

Is this sort of game-playing the new normal from AX? 

XXXX XXXX XXXX
Product: Debt collection

A collection ding showed up on my credit report for an account I have no knowledge of. I have not received any communication from this company regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account in full and closed the account. The company is refusing to report the correct information to XXXX XXXX. XXXX XXXX has requested the update on two occasions and on both occasions inaccurate information was given. As a result, my credit score dropped 100 points from XXXX to XXXX. 

I need help getting this company to report the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing that my Walmart store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX XXXX XXXX  XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file.

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.