23daVinci/CFPB_Complaints huggingface dataset:
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  has violated my rights. Or list of inquiries 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: Checking or savings account

Summary : BoA advertised {$100.00} checking opening bonus offer but won't pay it. 

In XX/XX/XXXX I opened an account using a promotion advertised by Bank of America. The promotion page has been removed from their webpage but a similar deal is typical and ongoing and is easily found online via promo code XXXXXXXX XXXX XXXX XXXX  I'm not sure if this is exactly the code I used but it was similar. 

I applied via the promotion page and entered the promo code on my account. Then I followed all the terms and conditions including a {$2000.00} direct deposit from my employer on XX/XX/XXXX. 

The offer terms say the {$100.00} bonus will be deposited within 60 days. On XX/XX/XXXX I called to see why the {$100.00} had not been paid. The rep located the offer and confirmed that I had met the all requirements except one to " enroll my account in the offer ''. They said I would've needed to call BoA after applying and ask them to add the offer to my account. I asked BoA to honor the terms of the offer because I entered the promo code with my application and met all the terms on my end. BoA said they would not pay the offer.
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase of over {$25000.00} at XXXX XXXX in XXXX, CA. I applied and was accepted for My Best Buy credit card which offered 10 % back in rewards on first day purchases for new My Best Buy Credit Cardmembers. I kept expecting a ~ {$2500.00} credit on my monthly statement, but have never received any credit. I have never received any information about this credit or rewards. I figured that it was probably due to the Covid-19 shutdowns and would visit the store after the shut down order was lifted in California. 

After the Best Buy store near me was opened, I went to make a purchase with my rewards and was notified that I had no rewards. I called the Best Buy Credit Card rewards department ( XXXX ) on XX/XX/2020 and was told that my rewards were used to purchase XXXX. I am XXXX years old and I don't do XXXX. Obviously, their system had been hacked and my account was wiped out of all rewards. The individual filed a report ( Case no. XXXX ) regarding fraudulently charged rewards. I never heard back. 

I called the rewards department again on XX/XX/2020. XXXX told me that {$2400.00} of rewards was used to purchase XXXX stuff and mailed to my home address in XXXX, California. Again, not only do I not do XXXX stuff, I never received anything at my address. If the hackers were smart enough to know how to hack into the Best Buy rewards department and use my account, they would be smart enough to know how to get the merchandise rerouted. 

Today, XX/XX/2020, I called the rewards department again and spoke with XXXX. He informed me that the case was closed and no further action was to be taken. I have never had any communication from Best Buy about this or anything. After some discussion, he reopened the case ( Case no. XXXX ). I am not hopeful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Old Vehicle Loan that I took out in XX/XX/XXXX or XX/XX/XXXX that was paid off in Full in XX/XX/XXXX as a Positive Good Standing Account for {$3000.00}. It was Positively building my Credit and was one of my Largest Tradelines. With the Data Breaches it was deleted and wasn't notified. I understand its closed but the Credit Bureaus stated I needed a Resinsertion Letter from the Credit. Please Add this back within 30 Days
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan through XXXX XXXX and the car was totaled in a flood. XXXX  was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on Experian as a negative to me? How can I be negative on a vehicle I no longer have an XXXX was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! XXXX then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet Experian continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to XXXX  on a FLOOD totaled car.
Product: Checking or savings account

XX/XX/XXXX. My Debit card along with my wallet was stolen. That individual then quickly made some fraudulent charges which resulted in my account being emptied and overdrawn before I even noticed my wallet was missing a couple hours later. I immediately reported this to my bank Wells Fargo card services. They opened a fraud investigation and shut down my card and all of its affiliates that day, the XXXX of XXXX. Told me not to worry that I wasn't responsible for fraudulent charges. I just got the bank 's response to that " investigation '' and they said and I quote " that no error had been made '' and that my claim was denied. That's interesting wording. Fraud isn't an " error ''. It's done on purpose by criminals. All of the fraudulent charges were made without my PIN. They used the credit chip or choice at the XXXX I have always used my PIN at XXXX. Have a proven record of it, I never use the credit option. The bank knows this. I called and tried to dispute it. The bank still refused. I went to the store where the major charge was made and got the transaction records. The store has the camera footage but I can not acquire it without a police report which I have now gotten. It's a shame that I have to prove that it wasn't me who made those charges when it was obvious what had happened. The criminals are being let off the hook for stealing approximately {$400.00} from me and to add insult to injury I'm responsible for charges and denying my claim. It's almost as if they are calling me a liar, how dare I try to make a fraudulent claim? I have been banking at Wells Fargo for almost 17 years, never made a claim and this is how I am treated.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished alleged transaction ( s ) on my Experian and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX ACCT  # XXXX Without Recourse UCC 1-308
Product: Debt collection

The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.
Product: Credit card or prepaid card

I had an XXXX XXXX card wasnt working for a couple of months hired a company to pay my credit cards off to negotiate lower interest but they stop paying my card for about 4 or 6 months and that really affected me I had to clue the would do that. 
I would like the late fees removed from my credit since I was paying the other company on time. 

I also had synchrony bank card limit of XXXX or care credit same card the company I was paying to pay them off in lower interest didnt need pay them got 4 or 6 months and would like those late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting debts on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only are they past the statute they are really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file. Account # XXXX - XXXX XXXX
Product: Checking or savings account

The banking institution I currently have a checking account with, JP Morgan Chase, has been charging my account exuberant overdraft fees that put my account minus - {$600.00}. at one point!

I do understand that some of those fees I am responsible for but to blatantly over charge my account up to the point of over drafting it is, honestly, unprofessional to the point of shocking! In addition, to add salt to injury ( so to speak ), I have been paying these fees further straining my finances and was only resolved when I called an agent to ask for additional time to pay down my overdraft account ( - {$600.00}, it was much higher before ), unbeknownst to me that most of that was due to overdraft fees of the bank itself. 

The agent I spoke to was polite and actually reversed 29 fees at {$34.00} each! My account was - {$600.00} before I called and after the reversal of fees my account now sits at {$380.00}. How is this fair business practice when the bank was charging me {$980.00}. in fees alone!? 

Although the issue was eventually resolved and my account is now positive I still feel cheated by the bank I trusted to safeguard my money. This is not fair and, how many other instances and customers is this bank over charging their accounts and simply letting these fees accumulate to outrages amounts that solely benefits the bank itself!? 

Again, please imagine that a bank ; an institution that is designed to serve customers and safeguard their money ends up charging you {$980.00}. in overdraft fees alone. Irregardless of the fact that I didn't manage my account properly it still stands that this type of fee hiking is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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: Checking or savings account

I have business and personal accounts with Regions Bank. 
I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online. 

Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have requested for Inaccurate personal information from my file to be deleted per Fair Credit Reporting Act within law provided timeframe and credit reporting agency have not respond to the dispute of the personal information as they only sent a letter advising of my rights but did not provide investigation evidence of disputed information which included personal information. 

Please delete inaccurate personal information from file as requested : Address 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
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting an XXXX XXXX BUSINESS credit card account on my personal credit report. I reported this issue to all XXXX credit bureaus several times, yet no resolution.
Product: Credit reporting or other personal consumer reports

I Saw XXXX credit inquiry on my credit profile and I reported it to XXXX, XXXX and XXXX the company 's told me to report it to FTC and return the report to them for verification to enable them take it off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX Subject XXXX Dispute of Incorrect Credit Report XXXX Dear CFPB XXXX am writing to formally dispute the inaccurate information listed on my EQUIFAX credit report. The account in question is : XXXX XXXX : XXXX XXXX XXXX. 

This account is inaccurately reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), negative information, such as this closed account, should not remain on a credit report for longer than XXXX years. This account was opened on XX/XX/year>, and its term of XXXX  months ended well before the seven-year reporting window expired. Therefore, this account should no longer appear on my credit report. 

I respectfully request that this account be investigated and removed from my credit report immediately. Attached are supporting documents to assist with your investigation : 1. A copy of my credit report highlighting the account in question. 

Please respond to this dispute within XXXX days, as required by the FCRA, and confirm the removal of this inaccurate information. I appreciate your prompt attention to this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX account through Experian, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Fraudulent Inquiries/Incorrect Address To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. These inquiries are fraudulent. 
- XXXX # XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act.

In addition, there are several inaccurate addresses reporting to my credit report that should be deleted immediately and updated with my correct address : XXXX XXXX XXXX, XXXX, GA XXXXOnce you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of XXXX mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a 30-day late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and XXXX Mortgage refuse to correct the mistake.
Product: Checking or savings account

On XX/XX/XXXX I contacted Citi bank customer service, reporting unauthorized ACH transactions from my savings account. 
Citi bank opened a claim for investigation and I was issued provisional credit on 3 out of 5 disputed charges. The charges occurred between XX/XX/XXXX and XX/XX/XXXX. Citibank claim that the two charges they havent applied provisional credit to, that the charges  occurred long ago, thereby the credit will be contingent upon the response of the Merchant ; and that itll take 10 business days for credit to be applied. 
Transaction of {$1900.00} occurred on XX/XX/XXXX and still within the 2 statement wait time for disputing errors. It is my understanding that Federal Law states that one has up to 2 billing circles to dispute charges on an account. So why is my credit contingent upon the response of the Merchant, especially when the Merchant in question has been unresponsive. 
Citi bank didnt protect my account enough, to prevent unauthorized ACH debit. It is my understanding that youll need a full routing and account details to make this happen. Citibank has also not closed the account in question, even though it has been compromised. 
This is my hard-earned savings for my holiday. 
The reference number for the claim at Citi bank is XXXX
Product: Debt collection

Credit resolution LLC contacted me about a debt i do not owe in XXXX. I explained to them that this debt is not owed and was wrongfully charged and was in dispute with the merchant. Credit resolution still went ahead and report this collection on my report since XXXX and this has caused me great pain and suffering. Drop in my credit score and denial of credit. 


Account info Account name CREDIT RESOLUTIONS LLC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$3600.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Product: Vehicle loan or lease

What Happened : I requested North State Acceptance provide accurate documentation for Account # XXXX, including auction proceeds for a repossessed vehicle. Initially, they refused, claiming they could not disclose this information. After filing a complaint, they provided a document with unexplained and unclear numbers, making it impossible to verify how proceeds were applied. Their inconsistent statements and lack of transparency raise concerns about compliance with the FCRA and CFPA.
Product: Money transfer, virtual currency, or money service

In 2021, I received a physical advertisement from Venmo stating that I could open a business Venmo and on the card was the words " LLC. '' When I signed up I didn't see an LLC option, just partnership and corporation, and tech support said to just pick whatever and they would switch it to LLC after. 

I have followed up twice, last being today on XX/XX/2021, and I have been told that they still do not have the " LLC '' option and told me I should leave the account as a partnership even after I stated that this is a single proprietor LLC. 

Also, I tried to check this business account today and confirm my EIN was accurate for my LLC and they were unable to provide me with any means of seeing if I had an EIN on file and if it was correct. 

It is troubling for a financial service such as Venmo to engage in deceptive marketing and to not be able to manage a users account in accordance with their accurate business status.