23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers.
Product: Debt collection

Portfolio Recovery has been made known since XXXX of XXXX that any correspondence regarding " debt '' for myself needs to be sent to me via mail and to stop calling my phone. They have since then continued to harass me via telephone. I can provide screenshots of the calls. The final straw was a call just now at XXXX. I have also reported the harassment to XXXX in my debt verification letters. The harrassing calls and dates are as follows : XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  XXXX  2 pay tommorow and 2 XXXX XXXX all is down in my name
Product: Checking or savings account

Hello, A XXXX  party check was deposited to my account on XX/XX/2025. The check amount was {$3000.00}. Then next day XX/XX/2025 my account was closed. There was no communication from Bank of America. When I called BOA they said the check will be voided and the funds returned to the issuer ( XXXX XXXX ). It has now been almost a month and I haven't recieved any communication from Bank Of America. I then called multple times and visited XXXX different in person branches to speak with a supervisor. No one has any information and keep repeating the same thing that the funds are on hold. They also said that for the funds to be released back to XXXX XXXX  ( issuer ) XXXX would need to reach out first to do a recall claim, but until then the funds will not be released back. 

I have never heard of funds that do not belong to the bank being put on hold for an extended amount of time. The money does not belong to me nor BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports alleged medical debt that is less than one year past due. 
The legal definition of medical debt is debt that arose from the receipt of medical services products or devices.

I was forced to receive medical services products and devices. Thats the alleged medical debt.

It is irrelevant as to how medical debt is financed its only relevant whether it arose from the receipt of medical services.

Per law Medical Debt can not be reported on the credit report until is at least 365 days past due. XXXX continues to be in violation of this law. 
Please see attachments for the legal description of medical debt. 
XXXX failed to respond my XXXX XXXX XXXX complaint about the ledge medical debt. 
I do not want XXXX to disclose any information other than information about the medical debt and how its going to be rich move from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, LVNV FUNDING, AND XXXX XXXXXXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general 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. " XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX from XXXX XXXX, LVNV FUNDING AND XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX, LVNV FUNDING, AND XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR.

Previous letters were sent as well with no response.
Product: Debt collection

XXXX and XXXX have contacted me numerous times regarding the past sue balance I have with CheckSmart. I have not been contacted on the phone number I have provided them ( XXXX cell ). In XXXX they contacted me at the main work number ( XXXX ), one of the ladies in the front office ( XXXX  ) answered and when transferring the call to me, she asked if I was in legal trouble because they guy on the phone made it sound like I was in serious trouble. In XXXX ( XX/XX/ ) they called the main number again and got transferred to my desk. I spoke with a man and told him to not contact me at work anymore and I gave him my cell number ( XXXX ). Today I got another call from a man, I asked several times for the address of XXXX and XXXX, he refused to give me the address, instead he told me that he would send a form over verifying my wages because they were going to garnish my wages. I told him to not contact me at work anymore, then hung up. I can NOT receive calls like this at work. It is putting my job in jeopardy. I feel like these are unfair collection practices. They have threatened legal action, refused to stop contacting me at work, and now threaten to garish my wages. They also have never used the mini Miranda when speaking to me, I didn't even know they were debt collectors at first when they were threatening legal action, stating I had two judgements against me. 

Additionally, I have not been provided with any documentation that I owe a debt, after multiple requests.
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  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX  Account : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXI XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

Nissan Finance is reporting false information to the credit agencies. There have been several attempts to correct this information but Nissan Finance will not provide the correct information.

An account with Nissan was included in a chapter XXXX. However, no payments were ever missed on this account, that includes prior to and during the chapter XXXX. I paid the account outside of the bankruptcy and paid it off in full, early, with no late payments. I hold the title to the car. However, according to the credit agencies, Nissan has reported Delinquent payments. This is 100 % false reporting, as stated above no late payments ever occurred.

During these difficult Covid Times, I am trying to refinance my mortgage to help me through. Nissan is holding this back. I'm not saying Nissan isn't correct in saying that this account was included in Bankruptcy, I am saying that their reporting of delinquent payments are wrong and must be corrected. This account is scheduled to fall off the report in XX/XX/2021, but during these times, I just can't wait that long. This would help me out tremendously. 

As can be seen in the attached, this is one of 3 accounts falsely reporting. XXXX XXXX has fixed theirs and that should be showing as paid in full with no delinquencies soon. The other is an account that will also be reported to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$100.00} 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, credit repair services, or other personal consumer reports

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. Ally Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Second Credit check was done by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX I researched how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an XXXX XXXX report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged XXXX XXXX not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THIS CORRECTION OVER 10 TIMES SINCE XX/XX/2021 AND THIS IS NEGLIGENCE NOW.
Product: Mortgage

There is an overage in my escrow account with AmeriHome of over {$1100.00}. I called on Saturday XX/XX/2019 and the first rep calculated my overage to be over {$2000.00} The escrow department reviewed his calculations and decided they were wrong and put the money back into my escrow account on Saturday XX/XX/2019. When I called customer service they advised that the escrow department determined the true overage to be over {$1100.00} and because of the mix up they promised to send the check over night. I have called and spoke to 4 supervisors and a manager and I still do not have my money. I was provided a tracking number, but when I checked with XXXX they stated that the package was never provided to XXXX  for delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have written several times about false information and providing information.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of an inaccurate late payment entry currently reflected on my Experian credit report. I have provided substantial documentation proving that my payments are fully up to date, and Experian 's repeated claims of " verification '' of this erroneous information constitute a blatant disregard for both accuracy and my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure that all information reported is **accurate, complete, and timely** ( 15 U.S.C. 1681e ( b ) ). Despite my extensive communication and submission of evidence, Experian has failed to comply with this federal requirement, instead choosing to maintain an inaccurate, damaging entry that has already caused undue harm to my credit profile. 

**This dispute has been ongoing for several months, and Experians failure to adequately investigate and rectify this inaccuracy constitutes a violation of my rights under the FCRA XXXX ** Specifically : 1. **Incomplete Verification Process** : The process Experian claims to have followed does not constitute reasonable investigation under FCRA guidelines XXXX The failure to incorporate provided documentation confirming on-time payments directly conflicts with Experians duty to perform a diligent review. 

2. **Violation of Consumer Rights** : Under 15 U.S.C. 1681i ( a ), Experian is required to delete or correct inaccurate, incomplete, or unverifiable information within 30 days. By failing to correct this erroneous entry, Experian is not only in violation of this statutory requirement but is also **jeopardizing my ability to secure necessary financial services**. 

I demand that this inaccurate late payment entry be removed immediately from my credit report, with written confirmation of its removal provided to me at the above address within **10 business days**
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an outstanding customer and absolutely enjoy my Military Star Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily and my XXXX and XXXX payment suffered. I have been working extremely hard to keep my good payment history and account in good standing and I paid off my account in full in XXXX of 2021. I called the customer service phone number on XX/XX/2021 to ask if the late payments could be removed from my credit report due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Military Star card in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 years of requests and XXXX XXXX XXXX XXXX ( XXXX ) just labeled the latest CFPB complaint # XXXX as duplicate. They have never supplied the permissible permission to have accessed my credit report in XX/XX/2017 as I have requested for more than 5 years. Experian has just played the paper game for 5 years by saying they are investigating by sending complaint to XXXX. This is shameful and surely these can not be American Companies.
Product: Checking or savings account

We have A insurance check that came from the mortgage co we deposited with Wells Fargo.Wells Fargo cleared it we gave them all the paperwork showing that my wifes mother passed away we inherited the house they contacted the mortgage co. told bank the check is good then Wells Fargo closed our account froze all four accounts its been over two months they refused to let us have our money or open our account were tired of it either they need to release our funds mail us a check like they said they were going to for our funds are open our account every time we try to talk to them they extend the closed accounts further out we want our money its our money they have no rights to keep holding it this is over two months now that they wont let us have our own money theyve got all the information all the paperwork even talk to the mortgage company mortgage company told us we need to sue them they have no right holding our funds ive been with this bank over 30 years and were getting treated like XXXX right now Every time we contact the bank they extend the closure Send us another letter with a new clothes your date were tired of this we want our money No more extensions are we will Take further action They can not keep holding our money hostage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and XXXX twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet TransUnion will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.
Product: Checking or savings account

I have previously had an issue with Synchrony Bank on lack of transparency in closing a CD. They bury the policies in the fine print of the CD agreement then they make it hard to close the account. Can only do 45 days up to 10 days after maturity date and you can not do online, you must call and never get any type of confirmation in writing or on the CD documents online. They refuse to do this. My other online Banks allow changes to Maturity instructions including closing account online anytime. 
After getting caught in this issue once I made it a point to call on XX/XX/XXXX to change instructions on XXXX CDs maturing within 45days. The rep said it was taken care of but I could not get any written confirmation email or on my online account. 
The first CD matures on XX/XX/XXXX and I decided today XX/XX/XXXX to check and see if my instructions were in motion. To my surprise this CD is now showing that it has been renewed to a new 14 month term completely violating my instructions on XX/XX/XXXX.!! 
I also noticed that the other two CDs that were supposedly changed on XX/XX/XXXX have no intructions to close the accounts and send cash to my checking account. 
This is the central issue.. Synchrony makes it easy to buy and renew a CD online without calling but very difficult to close the account by having to call in a small window with no confirmation of the verbal call allowed? How is that fair? Legal? 
Now I am again having to call to get them to do what I ordered on the XX/XX/XXXX call. 
This bank is not fair, transparent or trustworthy and they are unscrupulous in their business practices. I think it is even illegal to do what they are doing to the consumer? 
Please help me get my money out of this bank. They need to change their unfair business practices too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple charges on my credit file from XXXX XXXX XXXX claiming a debt from XXXX XXXX In addition to the accounts timeline over lapping one another this is not my debt. Also XXXX XXXX XXXX are attempting to collect a debt that has already been paid. And my XXXX XXXX XXXX XXXX account was settled through a collection for a lesser amount.