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

I was turned down for a Sams Club XXXX because of a Bankruptcy proceeding that was done and over with in XXXX, discharged in XX/XX/XXXX, subsequently I received the Sams Club Card personal credit card ( among others ), ( with bankruptcy on record ), and I would like a reconsideration of the request for the Sam Club MasterCard. Consumers should be found " credit worthy '' / '' approved '' based on their Present credit '' " performance, not based on old information in their credit file. It has been several years since the bankruptcy was initiated and processed, " not recently ''. If my credit was " good enough '' right " after bankruptcy '' to get a " Sam Club Personal Credit Card '' " account '', surely it is good enough to get a Sams Club MasterCard. My Sams Club Personal Credit Account has been open several years now, non problems and is current. Since Synchrony Banks enquiry, my credit score has " decreased '' " several points '', and that stays on my record for two years. So why not go ahead and approve me for a Sams Club MasterCard account since the enquiry was made and my present Sams Club Account is in good standing/current, ( see attachment ( s ) ). I have several other credit cards and ALL of them are current as of todays date, XX/XX/XXXX. I hope Synchrony Bank will reconsider, if not, then I will consider if I want to keep the present Sams Credit Account open or not. Good paying costumers should be appreciated, not held back or punished because of derogatory information that is years old in their credit report. I will consider filing a complaint with Consumer Financial Protection Bureau. 

The response I got from an employee today, ( online ), is not acceptable ( see screenshots ). Does not address my concern about the XXXX, only about credit bureau inquiry which I did not ask about... ( I was purposefully " ignored '', why is that? ). Probably because of Incompetent employees working there .....
Product: Credit card or prepaid card

Made a payment to Capital One on behalf of Walmart Credit card on XX/XX/XXXX and they cleared the payment from my account and credit the payment. However they have it on hold for XXXX days. The supervisor states its no reason at all that it should be on hold and not sure why and refuse to release the hold so I could use my card. If I was I formed my payment would be placed on hold I would never had made a payment greater then what was due. When I asked how come she can not override she state cause of policy. I asked for the policy and of course she states she can not give it to me. I will fill a lawsuit for discrimination. I do not get help to buy food or anything which is what I use this card for and now I'm told the money will not be available till the XXXX when everything is closed... Great!!
Product: Checking or savings account

Bank of America - Complaint My Bank of America bank account was compromised. Somebody used my Bank of America Visa debit card to create a fake account on XXXX and fraudulently spent {$3100.00} over a series of illegal transactions. In essence, my Visa debit card account was stolen and used on a fake XXXX account.

I have called Bank of America numerous times... spending hours at a time. Each time, they create a claim, give me a claim number and insist they will get back to us. When we call back ( again, hours each call ), they have no records of the claim and we have to start from scratch. They pass us around multiple departments and nobody knows how to help, don't want to help, and quite frankly, they don't care at all. 

Bank of America should be ashamed at the level of service they provide. More importantly, is is our understanding that they need to refund us the money fraudulently being used on my Visa debit card.
Product: Debt collection

Overtime they have continually reported my credit inaccurately ( reporting I owed money that had already been paid, multiple listing on my credit report, etc. ) I have been able to get a lot of it removed. I have been trying to get them to accurately report my charge off as settled, but have been unable to get in contact with them. I have tried to contact the number listed on my credit report and they told me to call XXXX XXXX XXXX to get it taken off. I called the number and got a weird dial tone and then a disconnect. I also contacted AES, the servicer of the loan and they claimed they were unable to remove the information. They also claimed that they had tried to get a response from National Collegiate Trust, but were unable to achieve XXXX.
Product: Credit reporting or other personal consumer reports

I recently was offered employment with XXXX on XXXX  XX/XX/XXXX my background check was done and everything came back correct except for my education information. I attended XXXX XXXX XXXX in the years XXXX I have been having an issue getting my exact completion with the school for years due to this issue when applying for a job it state I have not completed XXXX XXXX  but in XXXX of XXXX I attended XXXX XXXX and was told that I had enough credits and completed my XXXX grade year. Due to this issue I also completed a XXXX  program in XXXX of XXXX for XXXX XXXX I am currently trying to get my information as XX/XX/XXXX from a now closed online XXXX  program ( I can not remember the exact name at this time ) to provide to hire right to fix this ongoing issue about my XXXX. I have requested my transcript and I am currently waiting its arrival.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have five negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

During COVID lock down we took advantage of Mr Cooper Mortgage forebarance program to delay payments for 9 months. They told us no late payments would be reported to the credit company during this time. Also during this time they sold our mortgage loan to XXXX XXXX. We need tried to refinance our home but discovered Mr Cooper did report us as having late payments during the forebarence period. This has hurt our credit and prevented us from re-financing until we can get Mr Cooper to correct this mistake. We called Mr Cooper twice to advise them of the error and they told us they would. However months later and nothing has changed. The loan was on our at XXXX XXXX XXXX XXXX SC XXXX loan # ending in XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed on my discover bank account was not reporting accurately, I had a late payment on an account that was in fact paid on time. Consumer reporting agencies need to report all information accurately. this account has not been late on any payments on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

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

I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.
Product: Checking or savings account

Chase Bank continues to destroy my life they now will not let me use a bank account for my bills and rent the have caused me to lose my apartment since they are putting 8 day holds on any checks written on a Chase account They have caused me undue stress anxiety and health issues I cant believe that Chase Bank is such a horrible institution
Product: Credit reporting or other personal consumer reports

Beginning XX/XX/year> until XX/XX/year>, I had been rate shopping for a mortgage loan. Equifax has listed on my credit report five ( 5 ) hard inquiries, one for each mortgage company that checked my credit. I have never denied that I entertained rate quotes from these mortgage companies. My issue is according to the policy of Equifax if a person is rate shopping for mortgage loans within a specified number of days, then the hard inquiries are consolidated and count as one ( 1 ) hard inquiry. The hard inquiries are not consolidated as they should be according to Equifax policy.

I previously filed a dispute for this same matter. Apparently, the dispute was not fully read or misinterpreted, because notices were sent to the five ( 5 ) mortgage companies that I had been rate shopping. These notices stated that I disagreed with my credit file being retrieved as a hard inquiry, so I received phone calls, emails, and documentation via USPS mail that the inquiries were legitimate. The legitimacy of the inquiries has never been in question, only the consolidation by Equifax which to this date has still not occurred and is impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report. 

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXXXXXX XXXX XXXX XXXXXXXX '' for the original amount of {$260.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
2. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00} was sold to XXXX XXXX XXXX XXXX XXXX, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 

The inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

FORD MOTOR CREDIT ACCT # XXXX HAS REPORTED A LATE PAYMENT FOR THE MONTH OF XX/XX/2019 AND IT HAS HURT MY CHANCES OF BUYING A HOME AND I WAS NOT LATE.
Product: Credit card or prepaid card

alittle over one month ago received a promotional offer from Bank of America to transfer money to my checking accoount at an annual  interest of 3.99 %. I called and spoke to representative who confirmed same and offered to trransfer money on the spot. I was required to listen to a confusing message and agreed. When I received my statement there was a charge of 13.49 % on the purchases that I had made the previous period. I called and they affirmed same ; I indicated that this charge was never explained to me by the rep I spoke to. They retorted essentially too bad. I then re read the offering flyer and it says that interest would be charged on purchases but not what the amount of the interest would be. Since I like many people pay their statement in full each month it would not be unreasonable to assume that this charge would not apply!! Wrong!! I believe this practice is tantamount to a predatory lending scheme to entice people to borrow money and be charged more than the offering rate of 3..99 %. Since I have another card I wil pay off early the current balance with money that I will borrow from my IRA and not use the B of A credit card ; however many people may not have another card to use and will be stuck paying this exorbitant amount!!
Product: Debt collection

It was a Cell phone bill owed to XXXX. However the amount of {$450.00} was paid in full to XXXX with a XXXX balance prior to going in to collection. Collection Agency, DIVERSIFIED CONSULTANTS keeps calling and demanding to still collect debt. They still have collection account on my XXXX and XXXX files. i demand that this company stops calling me and remove the item from my XXXX and XXXX credit report immediately. i do have proof of payment on the account with a XXXX balance attached.
Product: Credit card

I recently received a statement from Capital One for the credit card I have with them. The statement had {$100.00} of fees and {$10.00} of interest charges along with the {$100.00} of purchases I had made. The issue I have is that this was the first statement I received. When I contacted them I was told that my statements were sent electronically to my email. There are no statement in my email and I never asked for electronic statements, preferring hard copies and a filing cabinet. I have never asked for electronic statements from any place that I do business with. When I complained about the fees to Capital One they removed XXXX month 's fees ( {$40.00} ). I do not use credit cards and this one has not been used for several years. I used it because car rental companies demand a credit card, not accepting a debit card. I don't know how, why, when or who decided to switch my account to paperless but I am sure it wasn't me. The statement should have been mailed, it would have been paid promptly. The fees charged to me should be removed and the company should initiate a policy to send electronic and paper copies to fairly stagnant accounts and should stop switching accounts to paperless without written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2014, every time I try to request my XXXX report for Experian, I get the following : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX  Request Service XXXX. XXXX XXXX XXXX, GA XXXX I have had no issues with XXXX  or XXXX. I do not have any freezes with any credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report. These accounts were placed in a hardship forbearance agreement with the companies below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with these accounts, which is both inaccurate and unjust. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate these accounts, as it is being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 

It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}
Product: Debt collection

Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period
Product: Money transfer, virtual currency, or money service

i usually use my bank account for business, i use XXXX  on the account and trade bitcoin etc. one of my customers sent me a payment to my XXXX  so in return i am supposed to send her bitcoin  in return which i did, but she reported my bank right after requesting the money she sent multiply times .. sshe reported my bank and my bank of america locked me out of my account.. i dont know why anybody would be so cruel to do that, anyways now im locked out of my bank account and i tried calling my bank to resolve this issue but the representatives said my bank was closed, and i have pending payments sent too my bank already, im here to report the woman that did this for fraud ( an attempt to defraud me of a {XXXX} ) and secondly get back my bank of america..she has a ponze scheme with bitcoin.. the gmail she used to send and request the money back is ( XXXX ) her name is XXXX XXXX
Product: Mortgage

Mr Cooper has requested insurance coverage proof several times and each time I send them proof. This was done in XXXX of 2022 and again in XXXX of 2022. This time they purchased a policy without my approval, even though I already have one and they are paying for it out of my escrow. This type of forced insurance is illegal.
Product: Mortgage

This start with my XX/XX/2024 payment and they mortgage company saying never receded and I provided proof that the funds was taken out of my account and as of XXXX still showing me late for XX/XX/2024. I called the company several times and spoke with different customer service representative and I my feeling since it is not there account no rush or important for my request. Please can you contact someone at that organization to see they will look into in detail and care about there customer.
Product: Payday loan, title loan, or personal loan

I had a loan with a monthly payment of {$86.00} a month on the XXXX if each month. On XX/XX/XXXX I made a payment of {$480.00} and my regular loan payment for that month. The {$480.00} payment was entered as an adjustment and not a payment and no interest was taken off even though I paid almost 6 extra payments. When I called to inquire about why no interest was credited I was told that I paid all of the interest in the beginning of the loan. I paid the loan off a year early but was on credited about {$80.00} in interest when I paid {$280.00} this week. I was told there was no penalty to pay it off early but I paid the entire loan plus all interest but {$80.00}. I have enclosed copy of check sent to make payment and my monthly statement showing it was posted as an adjustment not a check payment.