23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a longtime customer at bank of the West. I recently received a letter regarding a new {$10000.00} credit card I had been approved for, which was followed by the actual card. I had never applied for a credit card so I contacted the bank. I explained to them I had never applied for a credit card and wanted this closed and an explanation on how this could have occurred. I was told that there was an application and I requested a copy be provided for my review. The call agent closed the account ( which I verified the next day ) and said a copy of the application would be sent to me. 

After a week passed and several confusing calls from the bank, I did contact an employee today who explained that the application was received over the phone and that I would not be receiving a copy of it. I stated that I still wanted an explanation of how this could have happened. After a few minutes the agent asked if I had ever spoken to XXXX at the XXXX XXXX, which I stated no I had not. The agent explained they would have to contact a supervisor and get back to me. 

With the situation at XXXX XXXX and the risk of identity theft, I am concerned that either I am victim of identity theft or Bank of the West has the same issue as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!
Product: Credit reporting or other personal consumer reports

The late payment showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Product: Debt collection

I was advised to report this collections because the original way I attempted to get debtresolution assitance failed me and the credit card companies XXXX XXXX closed my account and charged it off XXXX XXXX. And the other one attempting to report through another collections company, was XXXX XXXX closed my account and charged it off as well. I was advised since these companies took a write off that they got tax breaks and I was no longer responsible for the accounts. And I shouldnt be sent to any collections companies because they are fraudulently double dipping on these accounts and negatively impacting my credit. As i mentioned before I tried to get help on resolution but it failed and went unpaid for so long the credit card companies wrote them off which I was told makes me no longer liable. ( Plus the balances are mostly due to extended fees not what i originally started with so theyre like double ). Please help me resolve these XXXX negative impacting accounts that were wrote off but now they want me in collections.
Product: Credit card

I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.
Product: Checking or savings account

This bank is giving me a hard time online to Open a checking account with them their system gives me error messages XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances owed and last payments dates which is a violation of FCRA and Metro 2 Compliance.

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
n of character and violating my consumer rights.
Product: Checking or savings account

XXXX. I have 3 month waiting the closed and now they say the are not going too send noting
Product: Debt collection

In mid-May I emailed CashNetUSA to let them know that due to health issues ( XXXX XXXX and XXXX XXXX ) that my income is now much lower and I can not afford my regular payment. 
I have had my loan with CashnetUSA since XX/XX/2018. The original loan was over {$3000.00}. I have NEVER missed a payment. They did reduce my credit line to {$2600.00}, which I had no problem with about the time the Cortona Virus started.. 
On XX/XX/XXXX I received an auto generated email back from CashNetUSA giving me a number to call, which I called the same day. 
I was told that they do not offer loan modifications. Period. 
I would like to request that CashNetUSA redo my loan so that I can make principal payments and pay them off. I have already been paying around 299 % interest, so they would not lose a cent on me.
Product: Credit card

On XX/XX/XXXX I made a payment of {$100.00} which should have been credited to my XXXX bill and instead Capital One claims because it was paid on the XXXX it was actually for the XXXX cycle. I have not once received a paper statement from Capital One and they claim it's because I asked for paperless billing which is another lie. I have paid my other card before the XXXX of the month when it is due and have never received a late fee for paying early. The statement I provided showed I paid {$610.00} which means that credit should have rolled over to the XXXX bill and taken care of the {$88.00} but for whatever reason they did not use it as a credit and hit me with a late fee.
Product: Credit reporting

I have disputed XXXX XXXX is reporting late incorrectly several times also attached a signed letter from XXXX XXXX on their company letterhead stating that the account was NEVER late and they still have not corrected their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, while trying to book a XXXX  XXXX  ticket, I came across an offer for {$300.00} to be applied towards the ticket if I applied for a rewards card. I put in my information for the offer and within less than a minute, was notified via the screen that a decision could not be made. I immediately contacted XXXX and was referred to Chase Bank. I then immediately contacted Chase bank within no more than 10minutes of getting the notification on the screen and I was told by the Chase representative I spoke with that my application was denied but she could not state why. I asked for more information about the XXXX  offer and she explained that even if I had been approved, the credit offer only gets applied after the first account statement and could not be used to purchase the ticket. I then explicitly told her I was glad I got denied and I was ABSOLUTELY no longer interested in the account. I asked that the application be withdrawn and the representative obliged. This all happened no later than 10mins after putting in the application on XX/XX/2018. Notwithstanding my explicit request not to proceed with the application and contrary to what I was told by the Chase representative, Chase did in fact go ahead to open a credit account in my name on XX/XX/2018. This is now being reported in my Credit Report and Chase has refused to correct this information on my credit report even though they went ahead to process an application which I did not consent to and out of their error.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For the last three months an image statement surcharge of {$3.00} was added to my checking account. This happened after BMO took over Bank of the West. 
prior to the transition, BMO stated that the a monthly service fee would automatically be waived for customers 65 years or older. The check image fee of {$3.00} would be added if they were requested. There is no mechanism to request or stop the images, so the fee is by default mandatory. 

When I called customer service, I was told many former Bank of the West customers have called to complain.and that BMO was working on it. However, the representative had no idea on what was being done. 

They suggested I go to paperless statements to avoid the fee.
Product: Debt collection

Ability Recovery Services is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a.

Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.

Ability Recovery Services also in violation of 15 usc 1681a ( 3 ) ( a ) for sharing my medical information which is suppose to be restricted from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX
Product: Mortgage

My complaint is with Loancare, XXXX, VA. I made my payment using XXXX 's Auto Bill Pay, so it was an electronic funds transfer and XXXX has verified that Loancare received my payment before the deadline of the grace period. But Loancare sat on my payment for 2 days before they posted it and they are now trying to charge me a late fee. 
So I called Loancare about the delinquent notice they sent because it was dated the day after XXXX 's proof of payment date. I had to verify my identity on Loancare 's automated attendant/phone system, and it retrieved my payment information stating that my payment was processed on the XXXX, which is the last day of the grace period so I should n't have received a late fee at all but the delinquent notice is dated the XXXX. So I transferred to a customer support person who told me my payment was processed on the XXXX. They ca n't even get their dates straight ; the delinquent notice, automated phone system, and customer support all have different dates. I asked to speak with a manager and they refused saying I 'd need to submit my complaint in writing. So they do n't even want to work with me on this issue - they are the worst!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of fraudulent information in my credit report. Examples are unauthorized inquiries and inaccurate or outdated accounts. This is damaging my credit and violates FCRA.
Product: Debt collection

I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies XXXX and Transunion. 
For over at least 1 month, I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FCRA, neither agency upheld their legal obligation to properly handle multiple disputes. 
XXXX and Transunion merely stated the debts were 'verified ' yet failed to ever provide a single original document providing these accounts belong to me or that I owe the reported balances. 
Their dereliction of duty has caused immense harm, lost opportunities, debts and damages that I am still negatively affected by as the consumer and natural person identified. I am requesting the CFPB open an immediate joint investigation into XXXX and Transunion for their blatant and ongoing disregard of my consumer rights. 
I am also formally requesting all appropriate legal damages be assessed and awarded from both bureaus based on extensive harm done throughout years of unlawful reporting activities. Timely remedy and justice are needed to undo the damage caused and ensure accurate credit files moving forward pursuant to applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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 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.
Product: Debt collection

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. ( holloway collection services ) I do not recall giving permission to XXXX XXXX center for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows
Product: Credit card or prepaid card

I received a letter from CHASE bank informing me that the were closing my credit card account. I called to find out their reason for wanting to do such, and they wouldn't provide me with a valid reason or any wrong doing. I feel that I'm being discriminated.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting or other personal consumer reports

Good evening, 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. 

Credit Card : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Credit Card : XXXX XXXX XXXX Account Number : XXXX 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: Student loan

I am not given any information when I need to renew my repayment plan, I am just sent a very large bill that I cant pay. When I contact them to have the issue fix, I get a run around, am given information to sign up for programs I do n't qualify for, throw into " forbearance '' so they cant still collect interest while hopefully fixing the problem. I have even made a payment a few years ago on a small amount that they say was for some reason not included in my consolation. I now have it on my credit report as default .... I do n't have the proof of payment as it was much later I found out they did this! Very bad company to deal with. Rip you off every chance they get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to transunion 's website to get my free credit report and to get informaiton on how to start a dispute. 

During the signup process they request credit card number under the guise of verifying your identity and then without proper notification they signed me up for {$24.00} credit monitoring service. I did not receive any notification or had any indication that I was signing up for anything. 

Afterwards, I signed back in and found a link to cancel, however when you click " Yes cancel '' it loges you out of the site and forwards you to the sign in page. 

Transunion is fraudulently signing up consumers who are attempting to start a dispute or view credit report and then making it as difficult as possible to cancel the service. Since their website is rigged to make it impossible to cancel. 
Once the service is cancelled they still hold on to your {$24.00} until you call them to request a refund or dispute the charge with your bank. 
I'm sure a lot of the consumers will give up and let them keep it. 

Please hold Transunion accountable for this fraud and consumer 's unnecessary waste of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of XXXX. XXXX Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX XXXX XXXX XXXX GEORGIA Docket # XXXX They ( credit furnishers ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 
15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.