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

Our Bank of America business credit card, with the number XXXX, offers rewards. I am writing to request a correction regarding a check that was issued to me. On XX/XX/XXXX, I received a check in the amount of {$5600.00}. The check number is XXXX. However, the Pay to name on the check was incorrect. 

To rectify the situation, I contacted Bank of America on XX/XX/XXXX, through the number XXXX. I requested a change to the Pay to name and asked for a new check to be issued. Bank of America acknowledged my request and provided me with a case number, XXXX, in a letter dated XX/XX/XXXX. 

Unfortunately, despite the passage of two months, I have not yet received the new check. As a result, in XX/XX/XXXX, I sent a letter along with a copy of the check to XXXX XXXX XXXX, XXXX XXXX, TX  XXXX. On XX/XX/XXXX, I received a response from Bank of America, including a new case number, XXXX. In their letter, they assured me that the new check would be mailed to me within 7-10 business days. 

Regrettably, even after one month had elapsed, I still had not received the replacement check. Frustrated by the ongoing delay, I called Bank of America on XX/XX/XXXX. They reassured me that they would address the matter promptly. However, it was not until XX/XX/XXXX, that I received another letter from Bank of America, which assigned a new case number, XXXX. 

Despite my continued efforts to resolve this issue, including contacting Bank of America once again on XX/XX/XXXX, I have yet to receive the corrected check. Their response was to provide me with a new ticket number, XXXX, and instruct me to call back in 5-7 business days. 

Throughout the period from XX/XX/XXXX to XX/XX/XXXX, I have been assigned a total of four case numbers by Bank of America. However, it is disheartening that they have failed to resolve the problem thus far. I am exhausted from this ongoing ordeal and have lost faith in their ability to rectify the situation.
Product: Credit card

There were XXXX credit cards that were opened in my name on XX/XX/XXXX and XXXX, XXXX. I kept receiving emails and texts saying I needed to pay a bill but I did not take any of them out, so I took them for spam and deleted them. In XXXX I kept receiving them so I checked my credit report and found them to be active in my name. I immediately reached out to my ID theft insurance company and they helped me contact each company to stop the accounts, remove them, and stop any further inquiries into opening credit cards in my name. 

The Credit Cards were : 1. Citi Bank XXXX XXXX XXXX- {$0.00} balance 2. Citi bank - general card- {$2400.00} balance 3. Citi bank - The Home Depot- {$0.00} balance 4. XXXX XXXX - XXXX - {$0.00} balance 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} balance
Product: Debt collection

Garnishment on a savings account that has Social Security funds in it to pay property taxes.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX, XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX. XXXX Account name : XXXX. XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Shellpoint/New Rez Mortgage Servicing continues to misrepresent amount owed, not applying payments to account and creating shortages to escrow account. On XX/XX/2021, I sent a letter with proof of payments stating funds were not credited properly and how this cause a shortage in escrow account and an issue with the amount of interest charged for the month of XX/XX/2021. Shellpoint responded on XX/XX/2021, with errors, mistakes and not applying a payment received to my account.
Product: Debt collection

On XX/XX/2018 Waypoint Resource group placed an account on my credit report ( XXXX and XXXX ) for an account that does not belong to me. I have never received any documentation or letters from them. The original creditor is XXXX/XXXX in Florida. 
On XX/XX/XXXX I called Waypoint Resource group and spoke with a person by the name of XXXX. When I provided her my name and social security number she stated it didn't match. I never had a bill or balance with this creditor. She spoke with her manager and advised that I could call back later in the week to find out a status for the account.

We ended the call and 10 minutes later they called me back. They kept asking for the wrong person. I advised them that there is no one by that name. They abruptly hung up and continued to call. They never left a voice mail message or any information. 
They are borderline harassing. They have the wrong person for this debt with incorrect information. Check behind this company as they purchased bad debt and trying to collect on it from the wrong people.
Product: Checking or savings account

I filed a complaint to this agency about two banks conspiring together to charge me fees and charges illegally. 
This agency indicated that a notice was sent to a Suntrust executive but I have yet to hear why their manager on XX/XX/XXXX denied or rejected to cash my check for {$300000.00} presented to a XXXX XXXX XXXX. 

I would like for a bank Suntrust that I have had for almost three years since XXXX refused to cash my check and transfer the funds to the XXXX XXXX XXXX  on XX/XX/XXXX. 

This entire process has cost me time, trouble, issues and problems. 

The federal government plans on transferring hundreds of thousands of more dollars in the near future so I have the right to know what was the reason. Another complaint of discrimination in violation to the American Disability Act ( ADA ) of 1990 by refusing to respond to my request to accept my stamp signature. 

First issue is at hand now as to why my check at first was denied. 

XXXX
Product: Credit reporting or other personal consumer reports

Capital One finance has on my credit report a repossession when I have my title and receipt of full payment of the car
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  placed a balance and amount due on my credit report. There is no case open. There is no monthly payment and there is no amount due. This is an error and in violation of my rights. This account should be removed from all my credit reports.
Product: Bank account or service

My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXXXXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law.

Therefore I request that all hard inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated for account : XXXX XXXX But how is this possible if the following information has come back inaccurate : ACCOUNT NUMBER, Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide
Product: Credit card or prepaid card

Capital One Spark Credit Card was used to purchase items totalling {$100.00} on XX/XX/20 from website https : //www.xinsstore.com/ via paypal intermediary. Products  purchased from a likely fraudulent website for {$100.00} for items that were relatively low in cost from other vendors. 

A credit card dispute was filed, and paypal responded that their vendor claimed : Seller Notes Date and Time XX/XX/20 XXXX XXXX  Notes SEND OUT ORDER BY XXXX HAVE GOT ORDER THANKS USPS tracking demostrated product was shipped to XXXX, MA and left XXXX front porch. On contacting USPS and receiving a call from them it was delivered to a different address with package weighing 17 lbs which would be incorrect for items ordered, so I assume they may have delivered another package, and fraudulently claimed this is mine. 

An attempt to get a refund from the company due to lack of contact information or via website inquiry for was unsuccessful although originally there was an XXXX number. Capital One representative earlier tried to contact number, and was unsuccessful. 

Currently Capital One is unwilling to pursue contesting the paypal transaction or refund the amount lost despite the misleading and clearly fraudulent response by the seller attempting to claim they actually shipped something to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report in light of my rights under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, due to the recent data breach involving XXXX, I am deeply concerned that this misinformation may be a direct result of unauthorized access or compromise of my personal information. The following accounts are inaccurate and require immediate attention : XXXX. XXXX XXXX XXXX - XXXX XXXX. Capital One - XXXX XXXX. Captial One XXXX XXXX XXXX. XXXX - XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inaccuracy Description : These accounts are reported as delinquent when no such payments are due. Requested Resolution : I demand this item be verified or immediately removed from my credit report. Given the data breach, I have reason to believe that errors on my credit report may be related to identity theft or unauthorized use of my personal information. Under the FCRA, you are required to investigate and verify the accuracy of all disputed items, especially when they may result from a security breach. I demand that you investigate these inaccuracies and provide written confirmation of your findings within the legally mandated 30-day timeframe. If the disputed items can not be verified as accurate, they must be deleted immediately. Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or legal action. Given the circumstances surrounding the data breach and the potential misuse of my personal information, I expect this matter to be treated with urgency and diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, I received a mail letter from XXXX XXXX, notifying me that I had a late payment on my credit card account. I immediately made full payment which was owed on the same day. Then I applied for a home loan equity during XXXX XXXX, and was informed by my loan specialist that a late payment was posted on my credit report for XXXX. I immediately tried to dispute with XXXX XXXX, considering that the late payment happened in XXXX and I was not notified until XXXX, the same time with when they reported to the Credit Bureau. I also had auto payment set up on that account and it did not work. Even now, I had to manually make payment every month because the auto pay function is still not working. I tried to contact XXXX XXXX  XXXX member service twice and they only sent me a general response and kept asking me to give them more information, which I already did. I already made request twice to them that the false report has to be removed from my credit report. They did not want to acknowledge the fact that the had failed to give me proper notice within 30 days when the incident happened. I was not allowed the proper time to act on it. 
This false late payment report has hindered me from closing on my equity loan, which resulting in thousands of interest I had to incur during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

" WARNING ''. There are two negative accounts on my credit report which may be from the Equifax data breach of XXXX. Acct # XXXX for the amount of {$140.00} and the second acct # XXXX for the amount of {$81.00}. These two accounts are still being reported after " 83 DAY 'S '' with Equifax after I've sent them a letter on XX/XX/XXXX ( copy of letter is attached ) stating that the accounts were not mine. XXXX XXXX XXXX both deleted both accounts off my credit report XXXX a copy is attached ). As Equifax is well aware, federal law requires credit reporting agencies to respond within 30 days. Equifax has failed to respond in the proper time frame. Failure to comply with these federal regulations by credit reporting agencies will be investigated by the FTC ( 15 USC 41, et seq ) and they must delete the item immediately. If Equifax do not delete this item they may be liable for their non- compliance. Leaving this inaccurate information on my credit report is a Defamation of my Character and has brought me in a stressful state of mind. Im asking to please remove these two accounts off my credit report immediately! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a XXXX XXXX company. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX. Account Name : XXXX XXXX XXXX CA Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX
Product: Vehicle loan or lease

VOLKSWAGEN CREDIT XXXX IS IN VIOLATION OF THE LAW ACCORDING TO 15 USC 1681a 2 ( A ) ( i ) which states that, any reporting containing information solely as to " TRANSACTIONS OR EXPERIENCES '' between the consumer and the person making the report. So reporting LATE PAYMENTS IS CONSIDERED, BY LAW, A TRANSACTIONS OR EXPERIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.
Product: Mortgage

During a refinance closing on XX/XX/2021 we submitted a check in the amount of {$1800.00} to be directly deposited into our new escrow account to avoid rolling escrow funds back into the loan. The first statement we received did not reflect the submitted funds in the escrow account or anywhere else in the statement. 
We reached out to the customer service department who said they wouldn't be able to view the closing documents for six weeks and therefore could not assist us. 
Since that answer was not acceptable nor credible, I reached out to the loan originator to get help. He directed me to a " XXXX XXXX. '' to resolve the issue. I contacted " XXXX '' by email and then by phone since he did not respond to the email. I described our issue to which he told me he would look into it. 
After a week of silence I wrote an email describing the issue again, attached pertinent documents and sent it to the customer service e- address on XX/XX/2021 which eventually elicited a response from a XXXX XXXX who appeared to put things in motion. 
As of the writing of this complaint, this has still not been resolved, Our homeowner 's policy is now past due because of the company 's inaction, we still see no mention of the {$1800.00} on the most recent statement and all they've done so far is tell us that an ex-employee made a mistake but they've done nothing to explain where our funds are and how they're going to remedy the issue.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/22 Coinbase to XXXX for tax payment to XXXX supposedly I am being told to pay another XXXX before my funds will be released from crypto trading on XXXX.