23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

credit from Bank of America were blocked without any notification. called the bank and transferred to XXXX department claiming that they just need to verify my information, which has been the same for the last 10 years. I told them I have been verified in XXXX and verify my information online in XXXX. But the rep just keep asking me the same set of questions without providing any support. I complied with the process and was told that everything is fine. 4 hours later, I still can't use my card. Called again and was transferred to the same department with different rep. The rep told me it was my fault that XXXX haven't verified my info. After I trying to ask for more info and reason why I have to provide the same info twice in 4 hours, the rep just say he is sorry that he can't verify me and I have to go to a branch to do so. He provided no explanation for that decision and told me that Bank of America can do the same thing to me every week if they want. The federal regulation gave them the power to abuse their customers.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX Never 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/2017. I request to receive a comprehensive report of all updated verifiable information.
Product: Credit reporting or other personal consumer reports

Im seeking for these items to be remove or i will be seeking monetary value per violation Pursuant to 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate .After taking a look at my consumer report it is definitely WRONG and UNFAIR. Unfair because I was never notified when this inaccurate information was furnished and I was never notified during your company 's initial investigation that you were going to report this information.

Pursuant to 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your company 's procedure and as a result of this I will no longer be extending credit, and if this information is not removed I no longer want my information reported in your company 's database.

Pursuant to 15 usc 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism .This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness .I have been denied a job and multiple housing opportunities.!

Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role .You were not given express permission by me, the consumer or a Competent court of jurisdiction .So, not only did you fail the initial investigation of this information .You also assumed this role, and assumed this information was valid .Which is a violation of my consumer rights.

Pursuant to 15usc1681 ( a ) ( 4 ) - You did not insure that this information is accurate and you did not exercise your grave responsibility with fair and impartiality.You took one side of the story and never consulted with me to find out if this transaction event took place .As a result of this my privacy was breached and this violated my right to privacy.

Pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transaction between the consumer and the person making the report.This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report .Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 usc 1681 ( d ) ( 2 ) ( a ) ( iii ) in your initial investigation I was never given the chance to deny this information being communicated on my consumer report which is in fact another violation and adds on to the other ways you ruined my reputation.

Pursuant to 15 usc 1681a ( b ) - Any authorization of a specific extension of credit of a credit card similar device should be excluded from my consumer report .This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card.Credit card as defined under 15 USC 1602 ( L )
Product: Credit card or prepaid card

HERE IS THE POLICE REPORT ATTACHED! I have faxed to the fiserv email, yet no reply!!! 

Money network refuses to review this " new '' correspondence. 
Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.
Product: Credit card or prepaid card

contacted capital one about the membership fee I was charged and was told that they couldn't do anything to change it or waive it and they changed people terms and conditions all the time as well as fees without your permission and they say it is nothing you can do and that is not fair to the comsumer I asked them to see what they can do to change my terms or conditions and all I got was the run around if it wasn't for trying to get my credit score up i would've closed the account right there and is thinking about as I write this because this company has done nothing but jerked me around and at some point something has to give if I have to close the account I am at the point where I think it may be better off than to keep going through the crap with them please help me with this matter or provide me with information to get out from under them without hurting my credit score
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX on my credit report from XXXX of XXXX. I would like to removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial complaint : received a letter dated XXXX XXXX, XXXX from Synchrony Bank XXXX XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB XXXX XXXX XXXX  account had been submitted and declined due to " unverifiable application information ''. I reviewed my credit report at the time and didn't find any impact. I reviewed my credit report again in XXXX XXXX, and found a hard inquiry into my XXXX credit report dated XXXX XXXX XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves. 

Current complaint : Synchrony did attempt to contact me, but at no point did that voicemail ask for additional information from me or did they make any additional attempt to contact me before closing the complaint saying I was unresponsive. I have attached a screen shot of the voicemail text showing as much.
Product: Debt collection

I signed a contract on or about XX/XX/XXXX for 1 year ( 12 months ) of XXXX for my son. The terms of the contract were {$100.00} to cover the cost of the uniform, etc, and 12 monthly payments of {$99.00} each ( total monthly payments to be {$1100.00} ). My debit card was charged {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX for the down payment. 

On XX/XX/XXXX and XX/XX/XXXX, my debit card was charged by XXXX XXXX XXXX for {$99.00} for the first two monthly payments. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my debit card was also charged $ XXXX monthly payments, except instead of being charged directly by Martial Arts Legacy it was being charged through their payment company. 

When I noticed the XXXX charge, I called the billing company and told them to stop billing my debit card. They agreed, and I guess in turn notified XXXX XXXX XXXX, who then informed me that I still owed them 2 payments. I told them I had already made all of my payments, and they responded by stating they would send my account to collection for the final 2 payments ( which I had already paid ). 

Not including the down payment ( which I knew was separate ), I made 13 monthly payments of {$99.00} to Martial Arts Legacy when I should have only made XXXX. This summer I received a letter from Collection Services of Nevada ( CSN ) stating that they were attempting to collect a debt of {$190.00} for XXXX. I went to their office and provided them with a copy of my contract, along with copies of bank statements showing that all of my monthly payments ( plus one additional ) had been made. 

On XX/XX/XXXX I received another letter from CSN stating that they " do not agree with your position '' and claiming that they had " supporting documents '' that showed the debt was valid and that they 'd sent me " validation of the debt. '' Just for good measure, they threatened to file a law suit if I did n't pay. 

They have never sent me copies of their " supporting documents '' nor " validation of the debt, '' I have provided them with proof ( bank statements ) showing that all payments to XXXX XXXX XXXX were made, yet they are still reporting this to credit agencies and threatening me with a law suit. 

Can you please help me resolve this?
Product: Money transfer, virtual currency, or money service

I sold 1 Bitcoin on XX/XX/2020, it went into a Wallet. I tried for a few days now to withdraw the money into my personal bank account. It keeps giving me this message that they need more information. It took a month to unlock my account. I finally got on and sold my only Bitcoin and now they will not give me my money. I followed all of Coinbase instructions and still nothing. I reached out to customer service over and over. They never address my problem about not able to withdraw my money. I sent Coinbase a screen shot of message like they ask me and nothing. Crickets, I'm still waiting. I lost my job over COVID-19 and I'm in need of money. Please can you help?
Product: Credit reporting or other personal consumer reports

The XXXX XXXX 's filed by me should have been for XXXX XXXX XXXX XXXX in which I provided the EIN for each XXXX. Therefore, it should have not been entered under my SSN that has impacted me obtaining a mortgage loan, utilizing my VA XXXX that I have earned by servicing this Country and high interest rates.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal since 2001 and it is in good standing. I made a purchase from XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX for {$99.00}. I used Paypal for the payment to protect me from fraud. When the item didn't arrive, I contacted the seller but their website and email was no longer working. I made a complaint with PayPal but my case was declined because the seller provided XXXX tracking information. I noted that the tracking information showed the weight of XXXX lbs when the weight of my purchase should have been more than XXXX lbs. I also learned that PayPal has been aware of this scam for several years. The scammer purchases a shipping label and then alters it with a different delivery address with the same town and state. I attempted to escalate my complaint and PayPal agent told me to obtain a delivery confirmation from XXXX. PayPal KNOWS that XXXX can not provide a confirmation of delivery address to me because I am not the shipper. My agreement is with PayPal, and PayPal must provide me with confirmation of the actual delivery address or refund my purchase. That is part of PayPal buyer 's protection.
Product: Mortgage

Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? 
On what date did you receive my Loan Modification Application? 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information you have reported to the credit bureaus regarding my account ( Account Number : [ Your Account Number ] ). Upon reviewing my credit report, I have identified several inaccuracies, errors, and potential violations of federal and state laws governing consumer credit reporting and billing practices. 

Disputed Information The following information is inaccurate and requires correction or deletion : XXXX  XXXX 7 late payments XXXX XXXX XXXX XXXX 13 potentially negative months XXXX  XXXX XXXX  17potentially negative months XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX [ Additional inaccuracy, if applicable ] Legal Basis for Dispute Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Under the FCRA, you are required to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so constitutes a violation of federal law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e If this account has been reported inaccurately or misleadingly, it may constitute a false representation of the debt, which is prohibited under the FDCPA.

Violation of the Uniform Commercial Code ( UCC ), Article 3 Under UCC Article 3, which governs negotiable instruments, I have the right to dispute any unauthorized or improperly executed transactions. If the account in question involves a negotiable instrument, I request proof of the original agreement and a detailed accounting of all transactions. 

Violation of Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including those related to accurate credit reporting and billing practices. I request that you comply with CFPB guidelines by providing documentation to substantiate the disputed information. 

Request for Investigation and Documentation Pursuant to the FCRA and CFPB regulations, I request that you : Conduct a thorough investigation of the disputed information. 

Provide me with copies of all documentation used to verify the accuracy of the account. 

Correct or delete any inaccurate, incomplete, or unverifiable information from my credit report. 

Notify all credit bureaus to whom you reported this information of the resolution. 

Notice of Potential Legal Action If the disputed information is not investigated and resolved within 30 days, I reserve the right to pursue further legal action under the FCRA, FDCPA, and other applicable laws. This may include filing a complaint with the CFPB and seeking damages for any harm caused by the inaccuracies. 

Please send written confirmation of your investigation and resolution to the address listed above. I look forward to your prompt response.
Product: Debt collection

A hold was placed on my checking account this afternoon for {$5100.00}. I contacted my bank, XXXX, and they named Premier Credit of XXXX XXXX and Indiana Department of Revenue as the parties requesting the hold. I had not heard of Premier Credit of XXXX XXXX before, and because I pay taxes I 'm familiar with XXXX. However, I was shocked to learn that there is a claim for that amount of money, and even more shocked to have found out by not being able to access the funds in my bank account. I did not receive a certified letter, a notice to appear in court, a day in court, nor was I served papers, or anything similar that could prove that I was provided with communication regarding whatever is going on. According to XXXX, they received a court order and have to comply - my question is where is MY copy of said order? Why do n't I have the order? How is it legal that a XXXX is afforded due process, but I 'm not? I 've been paying taxes since I was XXXX years old, and my income continues to rise, which means the amount that I contribute to this state continues to increase - along with my property taxes. I am extremely offended by this miscarriage of justice. Why is it legal to take money from a bank account without advising the account holder in advance ( certified notification )? Furthermore, this money is not owed, which I will have to spend my time, taking away from my husband and XXXX young children, during the next several days/weeks/months resolving whatever this is all about. However, my issue right now is not whether I owe a debt for {$0.00} or a XXXX dollars - the issue is how is the practice of seizing bank accounts over an " assumed '' debt without providing prior notification or even dispute resolution legal? Where is my due process? Where is my day in court?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has vilate 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 instruction
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Product: Credit card or prepaid card

BARKLEYS WILL NOT CLOSE THE ACCOUNT ... I HAVE ASKED THEM BUT THEY HAVE NOT DONE IT ... THERE IS NO MONEY OWED TO THEM ... ITS PAID IN FULL ... I WANT IT CLOSED SO NO ONE GETS MY CARD INFO AND CHARGES TO THIS ACCOUNT ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the female federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, PH. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Product: Debt collection

XX/XX/2021 1st progress/XXXX account # XXXX {$180.00} disputed to remove with my balance due to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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. LEND BUZZ never 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