23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate 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. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over the past fifteen years of having Bank of America 's Alaska Mileage Plan Visa credit card, I never received the advertised benefit for an annual Companion Fare rate or discount. 

On XX/XX/2020 at XXXX PST- the first of five calls, I contacted Bank of America at XXXX, the number listed on the back of the credit card, about its Alaska Mileage Plan Visa credit card to understand why this benefit has not been honored and applied to my account even though they have been collecting an annual fee on this credit card for a decade and a half. I was on the call with the first representative for 13mins and 33secs. He gave me the option of changing the status of my credit card. I said I need to better understand the process of changing the status of my credit card. He insisted that I needed give him the an approval to change the status of my credit card before he could explain the process and terms. I told him that I would need to understand all the terms before I can consent. It didn't feel right and I explained that I needed time to process what he was saying to me before I make any decision. We mutual agreed to hang up the phone. 

I called again at XXXX PST on the same night. I was on the call with a representative for 51mins and 30 secs. It sounded hopeful that she would be able to explain to me why this Companion Fare or Discount never was applied to this card. She acknowledged that it did not post and apply to my Bank of America 's Alaska Mileage Plan credit card profile and account. Suddenly the call ended. 

I called again on XX/XX/XXXX at XXXX PST. The representative told me that she would look into the situation and the call ended. 

I called again this same night at XXXX PST, connected from one representative to another, one of the representative insisted that Bank of American does not offer an Alaska Mileage Plan card and that she knew of no such perk as Companion Fare for one of Bank of America 's credit card. This call also all of a sudden ended after 18mins and 1sec. 

My last attempted call was at XXXX PST. The automated system did not connect me to anyone in a minute, so I decided to hang up. 

The initial call to Bank of America was to understand why an advertised benefit of the Alaska Mileage Plan credit card had been a perk Companion Fare. One call led to several calls that exacerbated and expanded beyond the original intent of the call, ranging from lack of disclosure on a process about a product, misrepresentation, and negligence. 

In summary, the concerns and egregious offenses are : - misleading and false advertisement of a product ( no Companion Fare perk for fifteen years ), - misrepresentation of a product ( stating that there was a Companion Fare perk ), - deceptive practice in pushing for a change in a product without full disclosure ( first representative 's resistance to fully disclosing the terms of a different product ), and - negligence and failure to address the issue by denying that a product existed ( a representative dismissing that Bank of America offers a credit card with a Companion Fare benefit ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened sometime ago, but Equifax was involved in my Identity being stolen and my nightmare beginning. At one point in Life I had A1 Credit scoring, now it is below 500. I lost my job, so I used my credit cards to pay bills and so on, but when my identity was misused and literally stolen. I thought my world came crushing down on me. I beg of you to further investigate this case and let me know if there any possibility that I may have some closure to this. 

Respectfully yours, XXXX XXXX XXXX # ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I opened a second account with PayPal for my new business. I thought I could use a pseudonym when opening the account as this was for business purposes, and since I already had a personal account. I used all my legal information such as my SSN, address, and phone number, but used a different name. 

After opening the account, I made some sales, and had {$10000.00} deposited into this account from the sales I made. 

When trying to withdraw the money, they put a hold on the account and asked that I verify my information. I sent them a copy of my drivers license ( which has my picture, and address, social security card, and bank statements ( which also show my name and address ). They rejected these documents but gave no reasoning. 

I called them and asked why they were withholding my money, and why they are doing this only AFTER the money was deposited. They told me that because my PayPal name didn't match my legal name, they were withholding the money for 180 days. So I asked what I can do to change this, and they directed me to the settings on my account which allows for a name change. The settings state : Update your name ( use your full name instead of a nickname ) ( I am attaching a screenshot of this setting ). So I proceeded with this change, I submitted the docs they required for this which is my drivers license and my bank statements. After submitting these documents, they sent an email stating that they reject the request. 

I then called them to inquire why they rejected it, as I followed their instructions, and the instructions on the page specifically states that I am able to make a name change. They told me that the name change is only for businesses, but when I told them that the account is a personal account and not a business account, so how would they have business settings on it, they changed their story and said the name change setting is only if your name is XXXX and you used XXXX or if your name is XXXX and you used XXXX to open your account. I asked them to direct me to this in their policy as I couldn't find it anywhere and they told me they couldn't and wouldn't talk to me about it any further. I asked to be directed to a supervisor or manager that can help me with this situation and was told that this was as far as I can go, and that they wouldn't help me any further. 

This money is my what I have to live on. I have delivered the products to the buyers and need this money to pay my bills. I can't believe that PayPal has acted in this manner and is now refusing to allow me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.
Product: Checking or savings account

On XXXX I deposited a Fema us treasury check for home repairs in the amount of {$5300.00}. The funds were available the next day on XXXX. Then I received an email on XXXX XXXX telling me the funds were no longer available due to activity surrounding my account after the deposit was made making them believe that the check would not be paid and then it would not be available until XX/XX/year>. I have made numerous phone calls to the front department, customer service, etc. to find out what exactly the problem is so that I can help fix it. They say that they are waiting on the US treasury to validate the check however I have spoken with the US treasury on, several occasions and they have said that the check was verified. I have tried to speak with Capital One bank every other day since XX/XX/XXXX and the last time I called, they were ugly to me and told me that I would not receive the funds availability until XX/XX/XXXX. And that is for home repairs therefore leaving me homeless
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canr furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 47.1K payment on a credit card account under an open end consumer credit plan as late for purpose.

525
Product: Debt collection

I hav advised the company that I am unable to make the payment for the time being. This a small {$400.00} title loan. They have repeatedly sent me specific collection text messages with personal information and left voicemails stating my credit is frozen and that they are going to refer or escalate my account.
Product: Mortgage

On XX/XX/2022 I started speaking with XXXX XXXX XXXX # XXXX to start a refinance with cash out. Over the next few days we communicated back and forth about the process. So at one point he tells me I am approved. I end up asking him MULTIPLE times if I was approved. He told me specifically that I was and that he was surprised. I felt uneasy. He then proceeded to tell me I need to pay XXXX dollars for appraisal. I told him that I shouldn't have pay out of pocket for that since I was already usung Newrez for my mortgage. He told me I could just put it on a credit card and pay it off when I got my cash from equity. I told him I didn't have it and he asked if I could pay XXXX dollars towards appraisal ( after he 'spoke to his manager ' ) and XXXX dollars towards another cost. I reluctantly did so. Now if he ran my credit he would have seen that I didn't qualify for cash out immediately due to my middle score not being at least a XXXX. So at this point he assured me I was approved and then took payment information. Then next day an appraisal was scheduled. Then the following day it was cancelled. I did read non refundable, however in the same paragraph it says I am allowed a refund due to being denied. He knew I would be denied and LIED. After this I tried reaching out to him via voice message and email several times ultimately being ghosted by him. He lied about my approval and took my monies knowing I wouldn't be approved in the first place. Then he would not return my phone calls or emails. I found out about the denial through the title company they used. I am due a refund. This was a scam from the beginning!
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. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 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 card or prepaid card

On Thursday XX/XX/XXXX, after checking my Spark Card  Statement, I noticed an interest charge of {$120.00} which posted on XX/XX/XXXX. I paid this card in full on XX/XX/XXXX which posted to my Spark Card on the XXXX of XXXX. I called Capital One and spoke with a representative after noticing this charge. I was immediately informed the Interest fee was incorrectly charged and I would be credited. She input the request and it was approved. 

The next day I decided to check my other credit card Venture through Capital One and I then noticed a charge for interest in the amount of {$120.00} which posted on XX/XX/XXXX. This card was paid in full on XX/XX/XXXX and remained to have a {$0.00} balance as any new charges were being paid in full and at once. 

I called Capital One and spoke with XXXX. I was then informed this fee was accrued due to the balance that was present before XX/XX/XXXX before the card went to a {$0.00} Balance. This was for the billing period of XX/XX/XXXX through XX/XX/XXXX. After explaining to XXXX about the outcome of my Spark Card, she stated that she would put in a request to have the interest fee waived and she immediately received an answer with it being denied. I then asked for a supervisor and she transferred me to XXXX I.D # XXXX. 

Spoke with XXXX ( Supervisor ) and I explained the two different outcomes of each card with the interest fee. How is one credited and the other one isn't. Considering the Venture card had been at a {$0.00} balance since the XXXX of XXXX and the Spark Card was at a {$0.00} balance since the XXXX of XXXX why was one interest fee waived and not the other. I was then told by XXXX the Venture card did not have the same option the Spark Card had to request a waiver for the interest fee. Again confused by this, I reminded her the rep I had just spoken with did in fact request an interest waiver and was denied. I informed her that both cards do have the option but only one was approved. I made the following statement to her, " Both cards have that option as your representative tried to request the interest fee waiver on my Venture card, which in turn tells me that both cards have the option to request an interest waiver, so this isn't about not having the option on my XXXX card because clearly your rep just tried to put one through. This is about it not being approved which brings me back to if my Spark Card Interest fee was waived with the clear understanding of the representative stating the interest fee was charged in error, then why not the same with my Venture, considering it was at a {$0.00} balance prior to my Spark card being at a {$0.00} balance. 

I asked if she had anyone above her to whom I could speak with and was told she was the only higher up person. So I informed her at this point I had no choice but to place a complaint with the CFPB. She and the rep previous to her stated that they would note the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion automatically enrolled me in credit monitoring services when I requested a free credit report. Never was I asked if I wanted this and if I was I would have said no because it is offered through my employer for free. 

There were 4 charges made to me when I called to find out what these were and then asked for a refund they said no we can only refund the payment for XXXX. Receipts are below : Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Refund Method Amount Refunded {$0.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 
XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Mortgage

Due to the pandemic and economical hardship I am going through a divorce and have reached out to XXXX via letter requesting a hardship forbearance back on XX/XX/2022. I received correspondence back from XXXX dated XX/XX/2022 that they were in receipt of my loss mitigation package and that it would take approximately 30 days or less to approve or deny the request. Today is XX/XX/XXXX and every week I receive a call from XXXX requesting pay stubs, this has been going on every week and I have all the email proof of transmittals confirming that they received this info yet they continue to claim that the do not have it. I am hanging by a thread and require immediate help. This can not continue in this path, I reach out and ask for help and no one is willing to assist. I feel that all of this is a stalling tactic to prolong the process.
Product: Vehicle loan or lease

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received a response from them but not with all of the documents that I requested and they did not update the credit report as disputed. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

I will attach the response of the Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Product: Credit reporting

Creditor ( XXXX/XXXX ) continues to report past due payment although payments are managed by XXXX at a fixed monthly amount that creditor agreed to at initial contract. Previous dispute was not resolved and incorrect information has not been removed. It is not accurate, fair or ethical to claim a past due amount when that was n't the agreed upon monthly payment.
Product: Money transfer, virtual currency, or money service

I went to a XXXX XXXX ATM to deposit XXXX., but the ATM machine ate my deposit an did not credit my account. It also kept my debit card. This happened on XX/XX/XXXX at roughly around XXXX. In XXXX, La.I preceded to the main office building to tell the folks, the atm ate my deposit. From there they started a claim, in which XXXX was credited to my account in the following days. On XX/XX/XXXX XXXX XXXX reversed the credit, saying that when they check the machine it only had {$500.00} over, thus stealing my money.
Product: Debt collection

I do not owe this company any money, Nationwide Credit Inc. 
they are harassing me, calling me, being threatening to me if I don't pay them, I want this company to stop all communication with me and stop harassing me for money I don't owe them, I have no contract with this company, and had no services or bought any products from them.
Product: Vehicle loan or lease

the original loan was sold and transferred to westlake financial with addtional fees not included in the original contract of the loan, As a result, this loan included addtional fees and paymanys miscalculated and applied different from the original contract.the original contract and full payment history is needed concerning account cause i only paid as agreed on account.
Product: Money transfer, virtual currency, or money service

Hello, I have a small business. We do debit transactions, some of which requires cash back. For the last week, weve noticed transactions where the cash back is approved, and it factually hasnt went through. When we verify the transaction, whether with a receipt or looking up the transaction history, the cash back has not been processed. In one case, a customer was approved with insufficient funds. Im handing over money to the customer with false information. Ive been processing with this company for two years, and I dont know how many transactions this has happened on. I do not know how I will get reimbursed on the amounts of transactions this has been happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters regarding fraudulent information in my credit report. It has been more than 30 days, but I did not receive any response.