23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened an account with Bank of America XXXX  XXXX XXXX card on XX/XX/XXXX and received a card in the mail within a few weeks. I activated it and used it to charge {$3000.00} to cover the reward amount necessary to spend in first 90 days, by calling my timeshare company and paid my annual Maintenance Fees with the card. 

Within a few more weeks, I received a text notification that questioning whether I tried to use the card at XXXX XXXX. I explained I had not used it again since that XXXX charge not at XXXX XXXX nor anywhere else, and the card had never left my house, being safely store in a safe, only to be used on trips. 

They canceled the card immediately ( I cut it up and tossed the scraps away ) and they had a new card sent out and transferred everything about my account ( reward points, balance, history ) to the new card. I received a new card several weeks later and activated from my home phone. I then placed that card in the safe. 

Without it ever coming out of the safe, never being used anywhere- not online nor in person, not using the number or swiping the card, the same thing happened again with XXXX XXXX XXXX and I received a text asking me if the charges were mine. I spoke to BoA who said the best thing would be to speak with XXXX Fraud and they transferred me. The rep at XXXX said they have absolutely nothing to do with consumers and fraud and cant help me and that it has to be taken care with Bank of America and transferred me back. When the rep answered I asked to speak to a fraud Supervisor. He said the way they can stop it since it is only happening with XXXX XXXX is to put a stop on it Ito prevent any XXXX charges on the card since it was only happening with XXXX.. He also said that by creating a paper trail of fraud detection, it will be investigated by a higher level. THe assured me it would not happen again.I received yet another new card and activated it from my cell phone, and then put it away in the safe. You know by now I did not use it ever- not online, in person, nor over the phone! And yet, tonight I received yet another text informing me of XXXX declined charges at XXXX XXXX and XXXX at XXXX XXXX. At the post I am beyond frustrated as the Floor Supervisor I spoke to said there is nothing that they can do other that starting a fraud claim to refund the payment and that the card had already been cancelled and a new card will arrive soon. I pressed her to record in my account that she was saying she was the highest level this can go. That there is nothing else BofA can do. That she would expect it not to happen again, and if it does I should feel satisfied to know I wont be liable for fraudulent charges.I believe there could be an internal fraud happening at BofA, and that maybe there are lots of other s in a similar situation all being told not to worry. Meanwhile, who knows the information they might be accessing? Please help stop this nonsense so I can stop wasting my time and energy on this, and that I might actually be able to use the card and rewards if I ever have a card long enough for it to be useful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022, and now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. 
KINDLY UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

For a few months I have tried to communicate with this company but I can not get through to them through email or even through phone. I never signed a contract with this company and they fail to provide proof of a signed contract. This is in violation of my rights. I have reported this many times and nobody seems to do anything about this even if it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX  XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Balance XXXX {$720.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This passed week a gentleman called me by the name of XXXX XXXX from XXXX XXXX XXXX. Advising me to settle for an amount of {$340.00} & if I didnt I would be sued for {$1200.00} ( not exact ). 

A decade ago my identity was stolen & a credit card was opened within the same mall I worked in & they mentioned that department store. 

However on XX/XX/XXXX I settled this debt with XXXX XXXX in the XXXX XXXX Superior court, & which I have documentation of. 

I feel as if Im being scammed & I dont know how to go about this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Re : CFPB Complaint Number : XXXX Dear Equifax, I am writing to follow up on my dispute submitted through the CFPB Complaint Portal XXXX XX/XX/year>, regarding inaccuracies in my credit report. As of today, XX/XX/year>, I have not received a resolution to my dispute, which exceeds the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ).

According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit reporting agencies are required to investigate disputes and resolve them within 30 days. Since this period has now elapsed without a final decision or correction to my credit report, you are in violation of the FCRA. Due to this delay and failure to comply with the FCRA, I have suffered punitive damages, including but not limited to : - Denied Credit Application : {$5000.00} - Increased Interest Rates on Existing Loans : {$2500.00} - Emotional Distress : {$2000.00} Total punitive damages amount to {$9500.00}. Given the lack of timely resolution, I request immediate action to delete the following disputed accounts from my report as required by law : XXXX. XXXXXXXX XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Account # XXXX I expect immediate action to rectify this matter and provide confirmation of the deletion of these accounts from my credit report at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with XXXX and on XX/XX/year> I returned merchandise to a local XXXX store and had the refunded money in my bank account the same day. It also showed up on XX/XX/year> so I figured it had been processed and that the money was available to use. Come XX/XX/year> I see my account {$30.00} overdrawn and I call up the bank. I get some XXXX about having to process the refund and it might take XXXX business days. In the meantime I am being charged overdraft fees for this XXXX  XXXX instead of them leaving the money in my account after I already returned the product to the merchant. What kinda scam this is I do not know but the XXXX money should have been left in my account to cover purchases, not pulled out for them to play around and " process '' it!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Product: Vehicle loan or lease

My friend told me that American Honda Financial Services is deferring 2 monthly payment as an economic relief measurement during beginning of COVID-19 pandemic. On XX/XX/XXXX, I called Honda Financial Service and asked them about the deferral. They deferred my payment for 2 months, without explaining me on how interest will be charged and so on. My loan maturity date was XXXX but pushed to XXXX, which I understand. I made all payments upto XX/XX/XXXX. I thought I paid all my loan agreement money. 

Unfortunately, they are saying now that I owe them {$1100.00} extra, i.e., basically $ XXXXmonth interest for those two months deferral period. I keep asking myself, if I have to pay an extra {$550.00} per month for those 2 months ( COVID-19 relief deferral period ), is it considered as a pandemic economic relief provided by the Honda Financial Service ? My monthly payment is {$770.00}. I could have borrowed loan from my friend and had paid {$770.00} at that time rather than paying {$550.00} interest per month now. This odes not make sense to me. 

They never said anything about interest over the phone. I did not sign disclosure or anything like that. I asked them to play the recording from XX/XX/XXXXXXXX XXXX They say they do not have it because they changed the system. Every company has a data retention policy. They can not loose data because they changed the system. This is not the right thing to do.
Product: Debt collection

This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. 

I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them and I asked them to remove the same issues that I have been solved it XX/XX/XXXX from trans union credit bureaus I talked to many different level of employees in dispute department, I asked them why they did report wrong and inaccurate info again? 
The supervisor didnt remove and disconnect on me! After spending two hours by phone! 
Please remove a hard inquiry from XXXX XXXX XXXX that appeared again on XX/XX/XXXX and reduced my score 27 dawn ASAP. 
They want to report all old info again or because of malfunction of their system, it happened automatically. Ether one I requested to remove it I appreciate it. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed -XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Late/Closed XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX Late/Closed -XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Public record-v.n New Added : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Collection
Product: Mortgage

I was sent a check for XXXX for loss medigation I feel I should be entitled to more since I had to file for bankruptcy
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Equifax, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to EQUIFAX, XXXX, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX  Account # XXXX Being Reported to EQUIFAX, XXXX, XXXX  CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to XXXX, XXXX  ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to EQUIFAX, and XXXX  ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To EQUIFAX, and XXXX ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX  XXXX XXXX/XXXX XXXX Being Reported To XXXX  ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To EQUIFAX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX  ( PLACED FOR COLLECTION )
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my complaint submitted to your office on XX/XX/XXXX, regarding charge-off accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I initially noticed these charge-offs when I pulled my credit report on XX/XX/XXXX, from XXXX. 

Since that time, I have made several attempts to resolve these accounts by contacting the respective companies directly, but I have not received any updates or responses. In addition, I filed disputes with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding these accounts, but despite my efforts, I have not seen any improvements or received communication that explains the current status of these charge-offs. 

As ofXX/XX/XXXX, I have not been contacted by any of the companies involved, nor have I received any further communication from your office regarding the resolution of this matter. It has now been over 30 days since my initial complaint, and I would appreciate an update on the status of my case. 

I respectfully request any information on the actions being taken to resolve this issue, and any updates you can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue with the reporting of a self-account on my credit score. The account in question is inaccurately reporting late payments, which has adversely affected my credit rating. 
Under the provisions of the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ) and specifically under 15 USC 1666b, I am entitled to dispute and correct any inaccuracies in the reporting of my credit information. The self-account in question has been erroneously marked as late, despite my adherence to payment schedules and financial obligations. 

Here are the details of the accounts in question : - Name of Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Description of Issue : The account is showing late payments for XX/XX/year> I have taken the following steps to address this issue : - Contacted the creditor directly to request a correction. 
Despite these efforts, the inaccurate reporting persists, and I believe this is a violation of my rights under the aforementioned statute. This incorrect reporting has had a significant negative impact on my credit score and financial well-being. 

Therefore, I am requesting the following actions to be taken : 1. Conduct a thorough investigation into the reporting practices of. 
2. Correct the inaccurate information on my credit report to reflect the true and accurate payment history.

3. Provide me with a written explanation of the findings and actions taken to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights have been violated. 15 USC 1681bPermissible Purpose of Consumer Rights, also 15 US Code1681 ( 2 ) ( a ) ( i ) and 15 US Code 1681 ( b ) ( 2 ) ( a ) ( 2 ) In General : meaning unless a consumer reporting agency has my written instructions, you are not to furnish anything in my report. Permissible purpose means with consent and or written instructions. No One had my written instructions to report onto my consumer report!

Account Resolutions Corp has violated my rights and violated the consumer law according to 15 US Code6802 Obligations with Respect to Disclosures of Personal Information, a financial institution is suppose to give me 3 disclosure forms : 1 ) letting me know that they are going to report 2 ) letting me know that I have the right not to disclose this information to the consumer report 3 ) letting me know that I have the right to do so, and how to exercise that right Account Resolution Corp has not shown me any proof that their company has sent me the three disclosure forms, most importantly, where I signed to NOT OP-OUT, they can not provide that proof, because I was never given those documentations. Therefore, my consumer rights being violated! 

This is a violation of the No SUPRISE Act This is a violation of HIPAA Also, in the state of Florida in order to collect an alleged debt, you have to be licensed in the state of Florida Account Resolution Corp is not licensed in the state of Florida, so why are they allowed to report anything onto my consumer report? I demand immediate deletion!
Product: Money transfer, virtual currency, or money service

Hello, I tell you that out of nowhere I can't withdraw my assets because Coinbase decided to restrict my withdrawals without any explanation as to why.
Product: Vehicle loan or lease

Im dealing with a hardship, I got hit by a car & I am XXXX, I have a XXXX XXXX. Navy Federal Credit Union repossessed my vehicle. I am also registered under uniform commercial code file XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX has been constantly charging or withdrawing money from my account for multiple years which lead me to requesting an account closure. However the account is reported to EarlyWarningServices as a closed account by the granter. This information is incorrect and EarlyWarningServices verified that the information about insufficient funds from XXXX to XXXX are inaccurate.