23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account * has violated my rights. 
*-accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I made a {$150.00} at XXXX for a car rental reservation using a City National Bank credit card on XX/XX/XXXX for travel date in XX/XX/XXXX. I cancelled the reservation late XX/XX/XXXX and the merchant promised to issue a refund. I reviewed my account and could not locate a refund on my account and proceed to initiate a chargeback through City National Bank on XX/XX/XXXX. A phone agent took my information for the chargeback dispute. I received a letter on XX/XX/XXXX from City National Bank stating they will not able additional assistance to resolve the matter and stated the dispute was received more than 60 days after the transaction first appeared on my statement. Meaning since the charge appeared on XX/XX/XXXX, I have no later than XX/XX/XXXX to initiate a dispute. This is a wrong position to take on chargeback resolution as the date for dispute should tie to the expected date of service not the transaction date. Furthermore, Visa allows cardholder to initiate chargeback up to 6 months after the service date and for fraud or egregious cases, there is no deadline to file a dispute. 

I contacted City National Bank on XX/XX/XXXX again and the agent repeat what was stated in the letter and refuse to provide additional assistance. They don't want to help resolve the matter and suggest I suggest the merchant for additional assistance. 

City National Bank does not understand chargeback rules and procedures and deflect responsibilities. City National Bank is obligate to provide payment dispute resolution even though I have cancelled my account with them 3 months ago.
Product: Debt collection

Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up. 
I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company
Product: Credit card

Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Bank of America ( " BoA '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, BoA reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, BoA has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, BoA has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, BoA uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years.
Product: Credit card

Signed up for a Lowe 's Consumer Credit Card, managed by Synchrony Bank. Signing up for " paperless billing '' apparently means " do not send any statements/alerts whatsoever ''. Eventually XXXX I forgot about a balance, and had a late fee plus interest. Also XXXX I had to " opt in '' to receive email statements/alerts. I paid the balance in full. Receive an alert a couple weeks later that there is still an outstanding balance on my account. I see Synchrony Bank actually charged me interest on the balance I paid in full. I immediately called and spoke with XXXX XXXX rep ID # : XXXX ) ; she waived the interest, removed the late fee, and canceled my account. I would like an official agency to investigate their business practices, because this seems like a scam ; " let 's see how many people we can straight up steal money from! If they complain, give them their money back no-questions-asked, but if they just pay, keep charging them! ''
Product: Credit reporting or other personal consumer reports

Submitted dispute letters in accordance to the Fair Credit Reporting Act and listed the creditors who have violated my rights under 15 use 1681 section 602 which states that I have the right to privacy. 15 use 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without instructions. Under 15 uses 1666b a creditor may not treat a payment on an account under open end consumer credit late for any purpose. Credit reporting agency continues to list XXXX XXXX and XXXXXXXX XXXX as late. Response from invesitgation did not acknowledge dispute regarding these two items and I am requesting again for deletion per my rights.
Product: Mortgage

I have been trying to get my escrow account fixed for months. I have faxed numerous requests to PNC, and my updated real estate tax bills, yet they continue to over escrow me. Can someone please help me adjust my escrow account. This is the 3rd time this year I am requesting an analysis.
Product: Credit card

hey my name is XXXX XXXX and i m XXXX. i just found out there a credit card the are chared off on my credit report.XXXX i never open a credit card at all. i have trying work with chase company and they refused help or remove the account off my credit report.. they are stubborn and cant help me at all. the experian wants me files report here...
Product: Mortgage

This is in regards to the Wells Fargo victim relief fund for not allowing a mortgage modification. Needing to verify the amount of my claim. Wells Fargo sent {$200.00} check but said they are still researching if they owe me more money, which I believe they do.
Product: Credit reporting or other personal consumer reports

I have been paying all my account on time and in advance for the pass 7 months and the credit bureaus XXXX and Experian is still reporting in accurate information. They are reporting old and late accounts .thats should not be on my reports. i submitted the information to them and there is still no progress. This is hindering me from getting a mortgage loan or credit card.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX sent me ( XXXX XXXX ) my money back, {$2500.00} and {$1000.00} via XXXX. 

At first he tried to send {$4000.00} but the bank has a cap allowing to send up to {$3500.00} a week using XXXX. 
Few days after he recalled the money claiming it was fraud and providing fraudulent documentation from XXXX. 

I provided the bank with straight forward evidence showing the XXXX conversation between myself and XXXX XXXX. In the texts XXXX is having multiple attempts and is insists on sending me the money ( {$3500.00} ) with success. 

These evidence are as clear as it gets. 
Moreover, when speaking with the Bofa representative she confirmed that they know XXXX XXXX did send the money, she explained that bofa has IT solutions that helps them track the transactions and the person initiating them. 
And these systems detracted it was preformed by XXXX. 

XXXX XXXX and his brother XXXX XXXX are known are under an open investigation by the FBI and SEC. They have stolen money from families, friends and loved ones. 
XXXX XXXX is the FBI agent that is working on their case and is happy to confirm my narrative. XXXX ( XXXX ) XXXX I urge the bank to do the right thing and help their long time client, myself to get her stolen money back. 

Please help Thanks, XXXX
Product: Vehicle loan or lease

I called Prestige FML regarding this error as you have an email stating that the late payments is due to a system error and you want this to be updated and corrected if not I want to be compensated by Prestige FML for damages on my good credit preventing me from getting a new home. Because all three credit bureaus for the Months of XXXX & XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address significant inaccuracies in the payment history of my AMERICAN HONDA FINANCE CORP account on my credit report. Despite multiple attempts to resolve these issues through AMERICAN HONDA FINANCE CORP dispute department, I have received persistent, yet erroneous, verifications claiming the reported payment history is accurate. I am reaching out directly to you in the hope that this matter can be finally and fully addressed.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my AMERICAN HONDA FINANCE CORP account appear to breach AMERICAN HONDA FINANCE CORP legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information Account Name and Number : AMERICAN HONDA FINANCE CORP - XXXX Reported Inaccuracies : o Erroneous and inconsistent payment history entries o Incorrectly marked missed payments in certain months Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The response Ive received thus far falls short of these requirements.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies in my payment history, it is apparent that AMERICAN HONDA FINANCE CORP - XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and Metro 2 standards also mandate a rigorous data accuracy protocol. AMERICAN HONDA FINANCE CORP - XXXX reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for Correction and Compliance : Removed this entire account or update all PAYMENT to current/on time. 
I demand that AMERICAN HONDA FINANCE CORP - XXXX immediately correct the inaccurate payment history on my account, specifically by removing any incorrect late payment notations. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this affidavit and correspondenceto pertinent regulatory and media bodies. Specifically, if this matter remains unresolved
Product: Money transfer, virtual currency, or money service

I had logged into my account after a few months on XXXX XXXX  and noticed that my account said XXXX XXXX and realize that it said the crypto was XXXX XXXX and this is after they charged me for a gold package twice that I never authorized. I dont use cryptocurrency I went to my spending account and seen unauthorized transactions so I disputed them and I let them aware of the cryptocurrency that Ive never used so they put a restriction on my account after this I spoke with a few representatives, and they assured me that it would be handled and they get situations like this all the time so I was secure in the situation. I called back two days later and they still couldnt give me an update each time I log into the app it still says restricted and it keeps giving me a later date on when they will contact me. I have emailed them. every other day and all they said was theyll get back to me so after three weeks of calling a representative, I spoke with said he sees what happened and that he will get it handled and give me a call personally about two hours later, they sent me an email saying that my account has been closed and they didnt see anything that was an authorized or fraudulent with my account when I have only made small purchases, but deposited so much money into my account I have lost over {$20000.00} without so much of a reason why or how they came to this conclusion because the representative told me that there were several devices logged into my account a few from out of state other cities that werent mine and he told me that maybe because I login with my phone onto the app that it can be pinging from different cell towers and I assured him this was not the case. Now I am going through a financial hardship and it may be facing eviction with me, and my two children because of their negligence for not doing a thorough review and trying to figure out what is going on I also downloaded my data information that they collect and when I look at it, everything says non-applicable and that seems strange to me and Ive downloaded all of my statements from my spending account and my crypto account and a lot of the information does not add up I tried to help as much as I can. I gave them all the information I had and Im still left with nothing.
Product: Vehicle loan or lease

I am making a formally complaint regarding the issuance of a 1099-C form from Capital One claiming a discharged debt of {$1000.00}. This debt should not have been categorized as forgiven, as the circumstances leading to this alleged discharge stem from actions and errors on Capital Ones part rather than an actual cancellation of debt on my end. 

Below is an explanation of the events that led to this dispute : XXXX. Loan Refinancing Error : In XX/XX/year>, my vehicle was totaled, and my loan was never refinanced through XXXX XXXX XXXX. Capital One claimed they would return XXXX check due to a non-application of funds caused by an incorrect account number. Despite this, Capital One erroneously applied the funds to my account after the vehicles total loss and later informed the dealership that my loan was paid off causing my XXXX insurance claim to be denied as the was no balance to calculate. 

XXXX. XXXX Insurance Denial : This error resulted in my XXXX insurance claim with XXXX being denied. XXXX required confirmation from Capital One or the dealership that the loan was not paid off. Despite my repeated efforts, including escalating the issue to the Office of the President at Capital One, their institution failed to provide the necessary communication to resolve the matter. 

3. Payments and Outstanding Balance : My insurance company paid {$17000.00} on XX/XX/year>, leaving a XXXX of {$2500.00}. 

XXXX insurance would have reviewed and likely covered a portion of this amount had Capital One not reported the loan as paid off. 

I personally paid {$1500.00} between XXXX and XX/XX/year> to satisfy the remaining balance. 

4.Improper Reporting and Resolution Attempts : Capital One claimed they deducted {$1000.00} ( comprising {$230.00} on XX/XX/year>, and {$830.00} on XX/XX/year> ) based on what XXXX insurance would have covered. However, these deductions were unnecessary had they helped me reinstate my XXXX insurance considering it was their error. 

At no point did I request or agree to a debt cancellation. The situation was caused by Capital Ones miscommunication and mishandling of XXXX funds, leading to delays and denied XXXX insurance benefits. I should not be held liable for taxes on a forgiven debt that resulted directly from Capital Ones errors. 

On XX/XX/year> I escalated the XXXX insurance cancellation issue to the Consumer Financial Protection Bureau ( CFPB ). Capital Ones response was they made an adjustment to my balance as a resolution. This resolution is now being unjustly classified as debt as forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has published inaccurate information regarding XXXX XXXX XXXX XXXX. 

1. Account Number published is not accurate 2. Account is being Re-aged 3. Account charged off XX/XX/XXXX 4. Account charged off XX/XX/XXXX 5. Date Account opened is In-accurate 6. Date first reported and Date of Status keeps  changing ( Re-aging ) 7. Inconsistent written off amounts on account PLEASE SEE CREDIT REPORTS WITH INCONSISTENT AND INACCURATE INFORMATION, ALSO SEE LETTER OF EVIDENCE FROM WFDS
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) for inadequate customer service and unfair practices that contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and inadequately protected.

Additionally, the companys dispute resolution process was both unfair and deceptive, failing to adhere to the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have caused me substantial inconvenience and financial loss. I respectfully request appropriate redress for these issues.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XX/XX/24 XXXX XX/XX/24
Product: Vehicle loan or lease

I would like to dispute late payments and incorrect address on my credit file. I have attached the letter.
Product: Mortgage

New Rez lender refinanced an owner finance loan. A 2 parcel 168 acres total. The residence financed is on 46 acres, the balance of acreage classified as 'excess land '. The property entirety was appraised out at {$240000.00}. My loan amount then was {$160000.00}. Someone placed a lien on the excess inhibiting me from selling a portion of excess land 80 acres. Had a buyer contract, the buyer walked leaving me with {$1200.00} legal fees due to the lender refusing to do a partial release. Someone also subdivided the 168 acres 2 parcels to 4. Do not know who, I never signed with the county to do so. Someone therefore took ownership of the balance of acreage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET
Product: Mortgage

Ocwen Loan Servicing is attempting to sell XXXX XXXX 's property at foreclosure sale despite the fact that Ocwen has not followed proper loss mitigation procedures. Ocwen has failed to send the Post Foreclosure Referral Notice required by Regulation X, 12 C.F.R. 1024.39 ( b ). Ocwen also failed to make the live contact required by Regulation X, 12 C.F.R. 1024.39 ( a ).
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 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have received a bill from Michael Harrison whom is attempting to collect a debt that was paid by my insurance company. The amount is XXXX $ and the insurance provider that I had at the time was XXXX under the XXXX XXXX # XXXX. The bill for the procedure was in XXXX of 2015 and I did have coverage at that time. XXXX phone # is XXXX. I am currently in collections with Michael Harrison and I would like this removed from my credit because this bill is paid. The original creditor is XXXX XXXX and account # XXXX and their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.