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

Note : FDIC communicated on XX/XX/2023 for the FDIC Ref. No. : XXXX that they have forwarded the complaint to CFPB at XXXX XXXX XXXX Washington , DC XXXX Name : XXXX XXXX Bank : Bank of America Type : Bill Pay payment to XXXX XXXX XXXX XXXX Amount : XXXX Date : XX/XX/2023 Issue : XXXX XXXX account holder XXXX XXXX XXXX XXXX ' ( XXXX XXXX XXXX ( new owner XXXX XXXX ) communicated that this payment does not show in their account and gave photos of bank statement. 

Details : On XX/XX/2023 : We went to Bank of America at XXXX XXXX XXXX XXXX XXXX, MA XXXX and also raised an online inquiry Case ID : XXXX. We were told to take print out of check to XXXX XXXX which we did and got confirmation that they did not get the check. 

On XX/XX/2023 : Bank of America Advance Service personnel XXXX ' ( XXXX XXXX XXXX ) responded that " We attempted to call XXXX XXXX XXXX  on XX/XX/2023, to request a refund on your behalf ; however, we have been unable to reach anyone for assistance. Please contact XXXX XXXX XXXX  directly with any questions regarding the payment status. ". 

BoA : We find it so wierd that Bank of America does not have contact of XXXX XXXX Back Office to reconcile data and expects customer to follow up. 

We gave the Contact of the Branch Manager of XXXX XXXX XXXX ( P : XXXX XXXX XXXX, XXXX : XXXX ) and also XXXX, branch manager of XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX, MA XXXX. 

XXXX XXXX : Both XXXX from XXXX misbehaved and did not co-orporate to give uis any deatils of the back office or forward our written request to their back office. Their argument was we are not customer of XXXX XXXX 

On XX/XX/XXXX, we went to speak to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ( who said he will forward our request to the appropriate team at XXXX XXXX Back Office at XXXX XXXX XXXX XXXX  XXXX ( the place where the check was delivered ). Also, we went to XXXX XXXX at Bank of America location at XXXX XXXX XXXX, XXXX who raise a complaint for us ( Complaint Number : XXXX ). 

On XX/XX/2023 - Bank of America notified us on messages in our account that they tried to contact We contacted XXXX XXXX XXXX  and spoke to XXXX XXXX regarding the above payment. However, we were not able to obtain information regarding your account because XXXX XXXX  XXXX  will not discuss customer accounts or participate in a conference call with third parties. Also, A proof of payment has been faxed, as requested. Please allow 1-2 business days for the document ( s ) to arrive. 

BoA : To whom did Bank of America fax it to. We are going in circles and need our refund. No one is helping us. The payment left our account over 30 days ago. Bank of America should be able to pull the payment back from XXXX XXXX and refund our account. They just keep saying money left the account so can not refund. 

XXXX XXXX : Very poor service and very non-cooperative. They should have atleast credit the XXXX  account. XXXX XXXX XXXX both were very defensive, non-cooperative, loud and pushy. They said they can not fax to their own back office or contact them, or credit this XXXX XXXX XXXX Account ' at their own bank.
Product: Debt collection

XXXX XXXX send me to collection for the money I did not owed, I try to called XXXX  for fix the issue and they said that they made a mistake. However the debt collection still ask me to pay
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 XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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: Vehicle loan or lease

The company generated a self-payment of {$650.00} leaving my account in negative, this charge was generated on XX/XX/ without any reason, I called the bank to ask for an explanation and they could not explain what was happening
Product: Debt collection

I have received numerous calls from Credence Resource Management ( CRM ) in reference to a bill of {$540.00}. When I last spoke to CRM they said the bill was for XXXX. I have never used this service in my life. They said they would dispute the bill. I checked my XXXX  report today ( XXXX XX/XX/2021 XXXX to find that CRM had flagged my account for the {$540.00}. I have never received a letter or bill in the mail requesting the {$540.00} ; only phone calls from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section XXXX ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXX XXXX XXXX. XXXX ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
Under XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. XXXX XXXX XXXX
Product: Vehicle loan or lease

On SAT Eve- XX/XX/20 at about XXXX ; XXXX ; I MsXXXX XXXX entered into an Auto Loan finance   from CAPITAL ONE AUTO FINANCE through XXXX XXXX XXXX XXXX. Unfortunately later I discovered, and am dissatisfied that my Predatory term, along with Interest rate of 6.25 % for 75Mo.. I Donot feel considering my Good Credit Score, and discussion with dealership-I qualified for a much lower Interest rate of at least 3 %. 
I have had An auto loan through CAPITAL ONE AUTO FINANCE In XXXX, and successfully repaid my Auto Loan on time. 
In addition, On XXXX.Capital One Auto Fin. was contacted via phone, and I inquired about my Extremely High Interest rate ( 6.25 % ), And Term ( 75M0. ) and was Informed the rate dispensed for my Loan, '' was a result of the Amount of the Loan- {$38000.00}. 
I feel the response provided by " Capital One Auto Finance '' was Bias, and Unusual for me as a consumer to have their Good Credit Score disregarded for the amount.Unfortunately with this " Extemely High Interest Loan '', I certainly feel targeted, and preyed Upon for Excessive Financial Gain on behalf of the lending Institution, and this is illegal, and RedLining Business Practices.Prior to CAP.ONE Auto Fin.dispensing Percentage Rate, for me as a consumer being selected.I was Reviewed, and Unfortunately, targeted with Extremely High rate ( 6.25 % ), and lengthy term ( 75M0. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and noticed 4 late payments were on there from previous years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed SYNCB/PPC that I did not request any credit, or credit card, from them. Wrote the letter and attached documents showing I was a victim of credit card fraud. Then, I faxed too. Mailed : XX/XX/2020 ( after receiving notification from XXXX XXXX ) and faxed as well : XX/XX/2020. Nothing from them and their HQs shows XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT, XXXX. I want the card removed and the debt canceled. I did not submit anything to SYNCP/PPC. Obviously, they have the wrong address too. Nothing ever received from them. By the way, card was " approved '' XX/XX/2020 and the thieves ran the card up the same day ; less {$8.00}. Sent them my FTC Identity Theft Report and Driver 's License ( less full # on it XXXX showing my proper identification. Did everything to comply with section 612 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. para 1681s02 ( a ) ( 1 ) ( B ).
Product: Debt collection

My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.
Product: Credit card or prepaid card

XXXX XXXX. ) I applied for the Barclays emirates sky rewards world elite Mastercard & the XXXX XXXX XXXX XXXX on XX/XX/2022. 

I was denied credit solely based off of what Barclays responsive statement which is : EXCESSIVE CREDIT APPLICATIONS. 

To say anything is excessive is completely subjective and opinion based only and is NOT a reason to deny my extension of credit. My credit is excellent and I have not had any applications for credit in the past two years. My income annually is over $ XXXX It appears that Barclays is discriminating.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus multiple times regarding this inaccurate and inconsistent account.These discrepancies do not align as required by the Fair Credit Reporting Act ( FCRA ), which mandates the maximum possible accuracy of information in consumers ' credit reports. 
Therefore, I request that you investigate this matter promptly and delete any inaccurate or inconsistent information from my credit report. 

Please delete this inaccurate account from my credit reports.
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors, and I did not initiate these inquiries.
Product: Credit card

I had 2 credit cards with Wells Fargo. My first card had a XXXX XXXX dollar limit and the second card had a XXXX XXXX dollar limit both with XXXX introductory rates. Wells Fargo reduced my credit limit to below the amount I charged on it which led to me being over my limit because I was making a minimum payment. 
My payments were automatically debited and no-one contacted me and indicated my limit would be decreased. Decreasing my limit has caused my credit score to dive XXXX points in a short period of time. 
Wells Fargo also CLOSED my other account with NO PRIOR NOTIFICATION. I am having residual issues with other cards increasing my interest rates because of 1 company.
Product: Student loan

I am a XX/XX/XXXX XXXX so my interest on my loan started accruing in XX/XX/XXXX. I created my edfinancial account on XX/XX/XXXX in attempts to pay off some of my loan. At this point I already had {$35.00} of interest accrued. I attempted to pay {$2000.00} on XX/XX/XXXX. The status was pending and then stated it was received. I looked in my bank account and nothing was removed. I then checked back into my edfinancial account and the payment was reversed back into my account. I then tried to do the same thing and pay {$2000.00} on XXXX and the same process occurred again. I tried to call Monday XX/XX/XXXX in attempts to speak to someone about this and they said the wait time was over 2 hours. Reluctantly I tried to pay off the entirety of my one loan which is an unsubsidized direct loan ( {$2000.00} ) on XXXX and this was also reversed back into my account. I am getting very frustrated as theres already an increase of {$12.00} in interest from the first time I tried to pay my loan to now. It seems really convenient that the company keeps reversing my payments so that my loan can keep accruing more interest. This seems very illegal to me and Id like to have no further issues with paying my student loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are requesting proof of Identity even after receiving from the CFPB and the physical dispute that was mailed in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX- All of these creditor accounts were in " good standing '' and were " CHARGED-OFF '' due to Medical Disability- All of these accounts are reporting as charged-off on my credit file repeatedly each month and they are impacting my credit in a negative way not allowing my credit score to increase. 

XXXX ) XXXX XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX COLLECTION- PAST DUE XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card

I received a credit card from Comenity Bank partnered with XXXX XXXX. The last charge that I charged to the XXXX Comenity bank credit card was on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  in the amount of {$58.00}. Comenity chared me a MINIMUM INTEREST CHARGE '' of {$2.00} ON XX/XX/XXXX. On XX/XX/XXXX I submitted a payment of {$60.00}. They charged me a late fee of {$37.00} for being 1 day late. Which I am fine with. What I am not okay with is the fact that I have not made a single charge to my XXXX XXXX XXXX credit card since XX/XX/XXXX and XXXX continues to charge me a " LATE FEE '' for their own " FEES '' they are accruing. I have since accrued XXXX {$37.00} late fees for a total of {$110.00} and I did not borrow a single dime to accrue these fees. I would like these fees credited back the the XXXX XXXX, zeroed out so I have a {$0.00} balance and close/ TERMINATE this card so I do not accrue another FEE FOR A FEE which is absolutely absurd and ILLEGAL! The amount XXXX  is allowed to charge is regulated by the law.The law states they are not allowed to charge more than how much is actually borrowed. In this case, I have paid all my debts to Comenity bank and I have borrowed {$0.00} additional dollars from Comenity Bank. The balance on the card is from Comenity Bank illegally collected fees on money I HAVE NOT BORROWED. I would like to receive a response within XXXX  days from Comenity Bank. If a response is not received on how this problem will be rectified, I will reach out to my XXXX  state attorney general On top of it all, XXXX has been charging me a " Minimum MINIMUM INTEREST CHARGE '' of {$2.00} monthly since XX/XX/XXXX to current XX/XX/XXXX. I don't even know what this charge is for or why it was applied to my credit card
Product: Credit card or prepaid card

I tried getting a Chase XXXX credit card several times I was turned down even though I had a excellent credit rating and earn over {$500000.00} income a year I believe I am being discriminated because of my age When I applied the first time, chase told me over the phone apply in a few months I did and was turned down Here is there ref # the last time I was turned down # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance reported on my XXXX XXXX credit card. Its being reported from old info Im over my credit limit. See attached STATEMENT
Product: Mortgage

On XX/XX/year> at XXXX, I had a conversation with XXXX XXXX at Rocket Mortgage, who called me to advise that they would look at reducing my loan by {$20000.00} and removing my mortgage insurance from the loan. During that conversation, XXXX advised that he could remove the payments I make towards mortgage insurance, and that they would. They did a soft credit check and said even though my credit score was low, they could still remove the payments toward mortgage insurance. He said they definitely could which was promissory. On XX/XX/year>, at XXXX, I received a phone call from a representative at Rocket Mortgage claiming to be a banker. They did another soft credit check and said that an FHA loan requires mortgage insurance to be on there for 11 years. Both parties had the same information accessible to them at the time of the phone call. The FHA had been in place during both phone calls, and XXXX should have on file that this was an FHA, and if what the second representative said was true, should have advised. It was an unlawful business practice for them to guarantee me a product or service and then do the opposite. Both phone calls were recorded. At this point, I am holding Rocket Mortgage accountable for promissory estoppel, and will seek appropriate legal action, including but not limited to filing this complaint, and potentially seeking adjudication against Rocket Mortgage for their actions. I request for them to be held at their guarantee.
Product: Debt collection

COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Choice Recovery, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Choice Recovery 's tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Choice Recovery was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Choice Recovery placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Choice Recovery and XXXX XXXX ; I have never received any validation letter from Choice Recovery prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly validating the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Choice Recovery 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX Balance {$0.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Opened XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Opened XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$14000.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX XXXX Balance {$0.00} Opened XXXX. XXXX, XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX XXXX Balance {$0.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX XXXX AND XXXX XXXX  INQURIES ON REPORT. PLEASE REMOVE
Product: Consumer Loan

I requested an increase in the credit limit for the Costco Citibank Visa account and was turned down due to " because of the total amount that you owe '' ( see adverse action notice attached ). My request was to purchase a large item from Costco that exceeded my limit that was established. I owe no creditor anything other than current 30 day charges as is evident on my credit file ( attached ). I am a multi-millionaire XXXX and XXXX for a large bank. 

I believe that this is age and source of income discrimination.