23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX a Bank of America representative contacted me by way of telephone.The representative explained to me that their company had covid-19 deferral program that I could participate to pay on the credit card.I agreed to enter the program.On XXXX XXXX is when I made the first payment toward the credit card balance. The first payment was in the amount of $ XXXX.Which bought the balance owed {$250.00} which would have made the credit card current as this card had a {$500.00} credit limit on it. Thinking my credit card account was still open. 
When I went to rent a car rental they told me my credit card did not go through. I looked on the BofA app to see what was going on it said I had a {$230.00} available.That was odd to me seeing prior it was {$250.00}, but I went to deposit another {$200.00} on XXXX XXXXI called BofA to find out when my deposit would post. That is when I was informed my account had been closed since XXXX of this year. The lady that I spoke to informed me she would make a complaint and to check back in a couple of days about the status on refunded my money. I called yesterday XXXX XXXX.I spoke to a series of people finally the last person I spoke with was XXXX. 
My complaint is the BofA representative contacted me about some referral payment plan knowing or should have known the credit card account in question was closed since XXXX.
Product: Mortgage

I called the company back in XXXX as well as XXXX but due to the pandemic I never got a hold of anyone XXXX I spoke with them as well as left on their voicemail that I was requesting a repayment or forbearance plan due to the COVID when I spoke with the manager ( XXXX XXXX ) finally he told me that cares act didnt apply to me because I was in tx and already late and to submit documents XXXX XXXX was contacted which I have recorded by voicemail multiple times when I called in I found out they were calling g my sons old number that didnt work and that number was never given to them we have had same number since they have had our loan in XXXX I received a letter from their attorney stating they had sent this to foreclosure. Every time I spoke with someone I ask for a work out plan or forbearance and they told me I didnt qualify once being told my loan was with XXXX XXXX but today was told that they didnt have to follow any kind of forbearance since it was in foreclosure already ( submitted after cares act went into place ) multiple phone calls, emails etc I had a hud Councelor call he was hung Ill on first time but because of him I finally got a reinstatement which included {$2500.00} In fees I just want a repayment plan I wanted a forbearance during all of this and now we can make payments but they never worked with us, I sent paperwork in and have proof and they say they didnt get it. I also spoke with XXXX today about the 40 pages On this website stating they are supposed to offer us some type of plan and she said I had to submit a document package but she could not guarantee anything this late and I would need most of the reinstatement because I didnt speak with them and I didnt turn in paperwork I also think it is strange how now theyre owned by an investment firm and it seems better for them to let out home forclose than work with us.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Date XX/XX/XXXX I am writing to address the incorrect and continuous reporting from Opportunity Financial. My credit report shows the XXXX XXXX account ending in ( XXXX ) as 90 days late continuously despite the account being closed, in collections, or charged/ written off as of XX/XX/XXXX. This practice is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA, 15 U.S.C. 1681s-2, specifically outlines the responsibilities of furnishers of information to consumer reporting agencies. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Moreover, the FCRA mandates that once a debt has been sold or transferred to a collection agency, the original creditor must accurately update the account status. Continually reporting the account as 90 days late each month after the debt has been sold, closed, in collections, or charged/ write off as of XX/XX/XXXX is inaccurate and misleading. Reporting an account as 90 days late 47 times is highly irregular and is usually a sign of misconduct or corruption within the company.

These practices are not consistent with the standards set by the FCRA and reflect a blatant disregard for legal and ethical obligations. Repeatedly reporting false information not only violates the FCRA but could also be considered a form of harassment under broader consumer protection laws. The persistent and inaccurate reporting of my account status appears to be an attempt to coerce or harass me into making payments on this account, which is both unethical and illegal. 

Please take immediate action to correct this inaccurate reporting. Failure to comply with these requirements will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and potentially seek legal remedies. 

Sincerely, XXXX XXXX, XXXX
Product: Checking or savings account

Capital one 360 checking account. 

So I had someone hack into my door dash and buy a bunch of high end food on my card on file ( this Capital one checking in question ) so naturally I disputed it, the rep was nice, friendly and understood. 

couple days later I call for a status and they claim " it was closed. denied and you resubmitted it '' NO I did not!!! I asked for them to review the recorded calls to prove this, they said they can't ( we know thats a lie ) however the reason it was closed and denied was ( Get this ) " You stated your card was in your possession the entire time '' Let that sink in for a second... 

Door dash is an APP, that got HACKED into!! me having my card in my possession makes NO difference!!!! they stuck to their story ( of course ) I literally had to ask if whoever makes these decisions do they drug test? this might be the dumbest thing I have ever heard from a bank ... and they are really trying to stick to this crap
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.
Product: Credit reporting or other personal consumer reports

I have disputed a XXXXXXXX XXXX  car loan account with Experian over 10 times including submitting Identity theft paperwork and law enforcement report too them twice and they have deny my disputes every time. They have also completely ignored and deleted disputes I have submitted on their website for this account, The account in question is also past the 7 years and has caused me to not get housing or auto loans. I am consulting with free council available to me through the VA and I am taking whatever action i can against them. This company posts fraudulent info and disregards any investigation that the consumer reports. This company has caused me XXXX XXXX XXXX XXXX and monetary loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing on XX/XX/XXXX with the credit bureaus because I noticed some inquiries that were never authorized as well as collections that were still reporting that had already been paid! The bureaus never responded to my dispute so I sent another one on XX/XX/XXXX and again on XX/XX/XXXX. I have yet to get a reply from the bureaus even acknowledging that they received my disputes. This is not good practice from the bureaus!
Product: Debt collection

I owe XXXX XXXX, and Chase Bank. The company that took on the debt, threatened to come by my house to serve me, and has harassed family members that live in other states. They also said theyd go to my family members with threatening documentation for me to avoid incarceration. 
This is wrong, and embarrassing to reach out to family I hardly speak with.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX 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
Product: Consumer Loan

I used a down payment assistance program through the city of XXXX XXXX that is underwritten by PNC bank. The loan is incredibly difficult to service. I had been using online bill pay to pay it, but they stopped sending me a monthly statement because they said I was paying to early. I then switched the payment date to a later date and started getting late payment charges. Every time I call to get service or complain they ca n't find the loan in the system and it usually takes 30+ minutes. Recently, I 've been forced to make payments on the phone because they do n't allow online payment of this loan. They then try to charge me a fee for paying over the phone to which I reply that they do n't give me any other option. Also, the only way I know what my remaining balance is is to call, which again takes 30+ minutes usually to find the loan. My statements do not include any information on how much of my payment is principal or interest. This has caused me extreme frustration and unnecessary fees because they have made it so difficult to service the loan or get any information about it. I 've tried going to different branches and none have ever been able to locate the loan and pay it. I 'm further concerned when the loan is paid off, they will forget to release any liens because they have n't demonstrated an ability to adequately service the loan.
Product: Money transfer, virtual currency, or money service

Someone kept taking money.off my card or buying things with it that wasn't me
Product: Checking or savings account

I opened three accounts at AXOS bank in XXXX XXXX, CA online. One personal and two business checking accounts for an accounting practice and one for a non-profit. The bank locked our account several times, allowed fraudulent checks to clear ( reported to FTC ) and refused to accommodate my medically documented hearing impairment after I requested email or text messages. The bank then notified us that they had " closed '' the account after refusing access to our funds, around $ XXXX total. An employee called their number but they refused to return our funds or transfer to the requested account. They have kept our the funds for several months after closing the account and refuse to update my account for a new adress, sending paperwork deliberately to the old addresses to avoid returning the funds. As a result I was unable to rent an apartment during the pandemic thereby suffering homelessness and health issues, my credit card bills that were on autopay were unpaid causing damage to my credit, both of my companies suffered tax and employee filing delinquency and penalties as a result of the bank locking and then closing our account after their security failed to detect thousands of dollars of obviously fake checks being written from the account. They need ton return the money from all three accounts to the correct adress immediately and refund all fees incurred. Also they need to refund the hundreds of dollars worth of fees for " retired items '' due to the " locking '' of the account without our knowledge causing scheduled bills to fail
Product: Credit card

I 'm in the process of purchasing a house and the lender provided more evidence of Capital One 's dishonesty. Attached are XXXX pages of a credit report showing CapOne has intentionally made false derogatory statements on my credit report. 
1. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They continue to show a {$20.00} balance and the balance to be due is {$25.00} when none is owed. 
2. acct. # XXXX - Their last report to the Credit Bureaus was on XXXX, XXXX. They show this account as XXXX balance owed from the XXXX, XXXX bankruptcy but keep reporting it as late payment un derogatory statements as recent as XXXX, XXXX. 
3. acct. # XXXX - Their last report was on XXXX, XXXX and they show a balance of {$430.00} owed when there is nothing owed and should show XXXX balance. This is from their taking over XXXX in XXXX, XXXX problem they created. 
I filed a complaint regarding some of the issues CapOne was doing but it did not include all of them. That complaint is # XXXX. It was filed on XXXX XXXX, XXXX. CapOne is not resolving this issue and I would like cfpb to do so. Thank you. 
XXXX XXXX
Product: Consumer Loan

I contracted with XXXX XXXX for {$1000.00} financing for a tile floor. The company took two days to lay the floor, and did not complete the contracted work, as well as damaging my walls. I complained to Synchrony Bank, who said that I can only make a complaint and stop payment to XXXX after I give them a chance to complete the job. After the job was partially completed and XXXX left, I complained to Syncrony Bank, who then told me that the company said that they completed the job and are paid. Syncrony Bank said that there is no way for them to receive my evidence of the noncompletion and the damages because XXXX is the customer and not me. They advised that I have to allow them to charge off the account if I do not intend to pay what they paid XXXX. I had to take a hit to my credit because of the collaboration between two dishonest companies, and am left with the cost of damages to my home. I made several complaints to XXXX, and they repeatedly postponed responses and coming to see the damage. I received no communications or bills from Synchrony Bank until I received a subpoena, and the lawyer presented my case as a nonpayment of a revolving credit card, and not the financing by XXXX. I have no revolving credit card from Syncrony Bank. Now, Synchrony Bank has subpoenaed me and wants to claim property.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued delay in updating and opening certain accounts on my credit report. Despite my previous efforts to rectify this issue, I have not seen any progress, and the late opening of these accounts are negatively impacting my creditworthiness. 

I have identified the following accounts on my credit report that remain inaccurately reported as late openings, and I request their immediate correction : 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 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 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 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 

Despite previous disputes and communications regarding these accounts, they continue to be reported as late openings on my credit report. This inaccurate information is unjustly affecting my credit score and my ability to secure new credit. 

I have taken all necessary actions to address these account discrepancies, including communicating with the respective creditors and providing supporting documentation when required. I have received confirmation from the creditors that these accounts were opened on time and have been in good standing. It is disheartening to see that these corrections have not been reflected on my credit report. 

I request that you conduct an immediate investigation into the late opening of these accounts and take the necessary steps to rectify this issue. This includes updating my credit report to accurately reflect the correct opening dates of these accounts. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. I emphasize the importance of accurate reporting on my credit report as it directly impacts my financial standing and credibility.
Product: Mortgage

In XX/XX/2023 I paid {$4700.00} {$100.00} of which was a disputed late fee that I very clearly did NOT agree with paying.and they took the {$100.00} out of my checking account without my consent. This was fraud. 
I set up auto pay and on XX/XX/XXXX they deducted this amount from my checking account {$2300.00} and instead of applying this to my account they held it as of today for XXXX days in 'suspense '' and it is in their account collecting interest while my account shows unpaid and i effecting my credit history with late payments. They themselves can not ive a reason Why I am in suspense as if looking deep into the account they see that it is actually paid even though it shows past due.which is concerning amd scary. 

We just want our payment history to be reflected on our credit history as we have been paying on time and the bank is not applying the funds properly as is their responsibility.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax  are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of 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. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " 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. Equifax, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services. 


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