23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of America falsely advertised a cashback deal and failed to award me cash back for a purchase that should have been eligible. In XX/XX/XXXX, my Bank of America XXXX XXXX XXXX XXXX XXXX advertised 10 % cash back on purchases made at XXXX. I activated/opted into the deal in their app before making an eligible purchase in the amount of {$570.00} at my local XXXX on XX/XX/XXXX. I read the terms and conditions in my Bank of America app ( see accompanying photo ), saw that my purchase would be eligible, and decided to make the purchase at XXXX vs. my regular mechanic based on the deal being offered. After the purchase was made, the deal was not registered in my rewards and I didn't receive 10 % cash back on the purchase. I contacted Bank of America on multiple occasions by phone and via their chat system between XXXX XXXX and XXXX XXXX to try to resolve the issue. I was given multiple different explanations that were inconsistent ( that specific location wasn't eligible, despite that not being mentioned in the terms and conditions and another representative telling me the location was eligible ; they aren't sure what happened but would try to resolve it ; it's because the merchant name on the charge is " XXXX XXXX, '' even though it's the same company as XXXX and I made the purchase at an XXXX location - see attached image ). I was told to reach out to XXXX, and I called them. XXXX from XXXX offered to send me a letter explaining that XXXX XXXX and XXXX are the same company and should be eligible for the deal, but I never received the letter. The last communication I had with Bank of America was on XXXX XXXX, and I was told to wait 14 days to see if the cash back appeared in my account ; as of XX/XX/XXXX it has not. I am filing a complaint because this is an issue that likely impacted anyone who tried to use this deal and made a purchase at an XXXX location that uses XXXX XXXX XXXX  '' as its merchant name in credit card processing ( there is no way for the consumer to know this before making the purchase and no language in the terms and conditions indicating certain XXXX locations aren't eligible ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX   XXXX  - account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have not been successful.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Received a debt collection letter from " Collection Center Inc '' XXXX XXXX XXXX XXXX, WY XXXX address to : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX WY XXXX with a reference number of : XXXX I think this is a SCam going out to random people?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX, I disputed items with Transunion that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Transunion, but they fail to do a full investigation and said they were mines. Here is the info for the dispute results
Product: Vehicle loan or lease

XXXX of XXXX I purchased a XXXX XXXX regal from XXXX XXXX financed through regional acceptance at interest rate of 18.95 % above the legal limit of 18 %. As of today XX/XX/XXXX I have paid {$22000.00} in interest {$810.00} in other fees and {$12.00}, XXXX towards the principal total of {$35000.00}. 

Per the contract the finance charge is {$13000.00} with a total of {$32000.00} of payments on a 72 month contract. I have paid in excess of that amount as of today and still have a payoff balance of {$14000.00}. I realize that this come from the deferment given during covid but also that this company charges daily compounded interest and is not taking advantage of me and the situation. 

I believe this company is abusing the system and now this contract is no longer enforceable and the company needs to send me the title for the vehicle along with the interest paid in full plus any and all applicable fees and fines allowable by the state of Florida which include up to the full amount paid and twice the amount of interest paid.
Product: Payday loan

They falsely reported on my credit report and score. It was sent to collections back in 2011 and just added to my credit score saying I refinanced and renewed my account. I have not spoken to them in years and they refinance the loan? This is fraud and it brought my credit score down XXXX points. They are crooks.
Product: Debt collection

To Whom It May Concern : This letter is in regards to the account number listed above which you claim has ( specific negative condition ). I hereby notify you that your claim is disputed, and I am requesting complete validation per the Fair Debt Collection Practices Act.

Please note that I require full validation under the law, to include copies of completed and signed documentation indicating that I have a contractual obligation to pay you, or had such an obligation to pay in the past.

The letter also serves as your notification that I am disputing this alleged ( specific negative condition ) with all credit bureaus where it has been listed. Per the Fair Credit Reporting Act, any debt which can not be property validated may not be reported to any credit bureau. 
Your failure to remove inaccurate information from my credit files will be documented as a violation of the Fair Credit Reporting Act for the sole purpose of pursuing legal relief under current consumer laws. 

If I do not receive a response from you regarding your claim within 14 days of the verified receipt of this letter, I will assume that you do not have the required documentation and that your claim is invalid. Per this assumption, I will move forward with legal proceedings to retrieve damages for your ongoing violations of the FCRA and FDCPA. 

Please note that any and all information provided by you will be documented thoroughly as part of the ongoing validation process. I look forward to your timely response and correction of this oversight. 

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

It showing I have an account for revco illuminating company I can not get in touch with someone. I never open an account with them. I am concern with my identity and its hard to get in contact with a live person! This is my identity. This can ruin my life if they do not put a stop to it and to whoever opened the account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX BANK ACCOUNT # ENDING IN XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I am puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Checking or savings account

XXXX repetitive robo calls claiming someone is using my number to set up An alternate Venmo account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act, the consumer reporting agency failed to provide accuracy and fairness of credit reporting as per 15 USC 1681 ( a ) ( 4 ) when the consumer reporting agency failed to protect the consumer 's ( XXXX XXXX ) right to privacy by reporting experiences between the consumer ( XXXX XXXX ) and the person making the report ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. ) as per 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It should also be noted that in accordance with Family Educational Rights and Privacy Act ( FERPA ), the consumer reporting agency has illegally reported information pertaining to secondary and post-secondary schooling as per 20 USC 1232g ( b ). The consumer reporting agency also reported derogatory marks on the consumer report which is in direct violation of 15 USC 1681c ( a ) ( 5 ).
Product: Mortgage

I have a mortgage that was taken over by Green Tree Servicing LLC and they have a Corporate Advances fee in my balance of XXXX. I feel like this is a fraudulent charge and would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason The Helms Association decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
Product: Credit card

On XX/XX/year> I paid off my credit card through a debt consolidation loan. My card had a XXXX balance. On XX/XX/year> Capitol One charged me {$49.00} interest for a card with a XXXX balance. They refuse to remove the interest after I asked then how they can charge interest on a XXXX balance. I'm trying to close my card but they will not remove the interest so I can close the account. I don't understand how I can have interest on a card that has a XXXX balance.
Product: Debt collection

We were unaware that our credit card had a balance. They first called on XX/XX/XXXX. I told them I was unaware of this debit. 

They called again the next day. We told them to stop calling we will pay it. 

Everyday they call up to 6 times a day. We finally called then on Friday XX/XX/XXXX and told then again to stop calling. They said their system is automated and can not stop. 

Again today XX/XX/XXXX they have called 7 times and we again told them to stop calling. 

They are harassing us daily, multiple times a day call all numbers even ones that was not listed on the account which they acquired some other way. 

These numbers are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

They won't stop harassing us Zales credit through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurately reporting items that I have no proof of ownership to. Collection accounts that are inaccurately being reported on credit that is hurting my overall score. I was never shown proof of ownership of this collection debt nor do I have any knowledge of how it ended up on my credit report I would like the collection from RMP SRVC LLC deleted as I have never been provided proof of this bill. It was opened on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a collection/chargeoff in the amount of {$800.00} on the OTHER COLLECTION AGENCIES partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid. I have attached a copy of the account information reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to either be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Mortgage

The problem I am having is based off of three things : flood insurance for my home ; the type of loan I am in ; and the changing of mortgage companies. 

When I purchased my flood insurance in XXXX of XXXX, my Mortgage company ( at the time ) was well aware that I was going into an FHA loan. One step further, this Mortgage company even helped me acquire my current flood insurance. It was vital that we get the lowest flood insurance possible ; as it was an added expense we could barely afford. 

Then, in XXXX of XXXX our mortgage was bought out by Planet Home Lending. I received a letter in XXXX saying that Planet Home Lending had acquired our mortgage and FDPA requires flood insurance for any property in a flood zone ; BUT Planet Home Lending deemed my current flood insurance : expired, cancelled, or unacceptable. Also, stating that their policy demands an NFIP loan, and quoting me at {$2000.00} ANNUALLY ; when my current flood insurance is {$800.00} ANNUALLY, through the original Mortgage company. 

My discretion is : My loan was sold with very noticeable underwriting guidelines for purchasers to view. Purchasers or buyers are supposed to cross-reference their policies with the current contracts that home-owners are bound to. 

It is clear to me that this did not happen when Planet Home lending bought out our Mortgage from our original Mortgage Company. The criteria in our underwriting was different from Planet Home Lending 's policies, yet they still bought/accepted our mortgage agreement. 

OK, so this is fine, however do not force me into buying a brand new flood insurance that I can not afford. 

So in XXXX, I did contact my insurance agent as I knew something was not right with this new relationship. I informed my agent that I was not quite sure what was going on, since I already had insurance purchased through him ; backed by our Originsl Mortgage Company. My insurance agent then reached out and provided me with Planet Home Lending 's policy, and it appeared that everything was fine. 

I received another letter on XX/XX/XXXX ; and another on XXXX, XXXX XXXX. The letters continued to express that I wasn't covered and that I needed to purchase new Flood Insurance coverage, even though I was already in a contract with current Flood Insurance. 

I do understand that Planet Home Lending has their own policies, and I do understand that mortgages are often bought out. However, I think it is completely unfair to me ; as purchasing a new insurance will surely put me into financial harm. 

I did not do anything wrong ... Planet Home Lending should own up to their own mistake of buying a mortgage whose terms they did not agree to. 

Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE 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 XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX These hard inquiries are not mine this information is incorrect and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 73 % Balance {$4800.00} Balance Updated XX/XX/XXXX Credit Limit {$6600.00} Monthly Payment - Past Due Amount {$4800.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00} Chargeoff