23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My credit card was turned over to collections when I was assured by a Bank of America representative that it would not be. 
I called Bank of America 's ( BOA ) credit card department on XX/XX/21. I called to inform the company that I would not be able to make a payment by the end of the month. I also wanted to know if my account would be turned over to a collection agency and reported to the credit bureaus. I informed the agent that I would not be able to pay until XX/XX/21. He assured me that my account would be fine and that my account would NOT be turned over to a collection agency and NOT be reported to the credit bureaus. This was not true and my account was turned over to a collection agency ... I called BOA again on XXXX and spoke with a XXXX XXXX. I informed him of what had happened and he told me that he would pull the recorded call from my previous conversation on XX/XX/21, to verify what I was telling him. He never called me back. On XX/XX/21 I called in again and this time I spoke with XXXX XXXX. He verified that the recorded call had been listened to on XX/XX/21. He also verified that the call validated EVERYTHING that I had told them about the initial XX/XX/21 call. He informed me that he was going to contact his compliance department to have my account removed from the collection agency and credit bureaus. XXXX called me back on XX/XX/21 and told me that their compliance department refused to correct this mistake, even though they verified that I was given wrong/false information by their employee.
Product: Money transfer, virtual currency, or money service

Wired money to our son who was on a summer student program in XXXX. Correctly completed the Western Union forms and they took the fees for the transfer. When my son showed up to pick up the money, Western Union would not release the funds as they claimed his name was incorrect. His name was correct ( and matched his passport ) - apparently the root problem was they wanted a middle name on the Western Union form, hence they required information at the pick up that was not required when they took the wire transfer ( and collected fees ). As my son was stranded, it took multiple calls to Western Union to revolve. They could have fixed their mistake, several different ways, but instead refused to correct the issue until we went through multiple steps, including a call back from a manger that never happened. I want to emphasis that we were not trying to change / modify the transaction, but rather wanted them to find a way to resolve their internal discrepancy. We tried two follow up phone calls with Western Union to discuss the problems and asked for a refund - all they could do was direct me to their website. If compounded the problem that their customer service personnel appeared to be poorly trained, lacked English language skills, and did not seem have any tools at their disposal to address our issue.
Product: Checking or savings account

Wells Fargo send me a letter and saying that they will close my personal and business ( including savings ) account. When I call them, they gave me no explanation as to why they decided to close my accounts. I think they think something suspicious is going on but i don't do anything illegal. So, I think they are closing my account unfairly.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I proved, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates Federal Laws and my rights as a consumer.
Product: Debt collection

TransUnion is continuously updating the date of the last activity every single month on these charge off accounts. Debt validation has not been verified and accuracy of these accounts have not been investigated properly. This is false and misleading information that is hurting my consumer report. 

Delete these accounts from my consumer report or I will be pursuing litigation for actual damages for artificially damaging my FICO score. 

ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXX XXXX : XXXX ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT : XXXX : XXXXXXXX ACCOUNT : XXXX XXXX XXXX : XXXX
Product: Checking or savings account

I need to pay my landlord using XXXX. I always used XXXX XXXX  but there's a {$2500.00} dollar daily limit. So I decided to open an account online with Wells Fargo since there is a bigger daily limit and set up XXXX. My wife sent me {$25.00} to test it. Wells Fargo decides to close my account for " identity theft '' and because of that I am now banned from using XXXX!!!!!! 

This is absurd. I work for FDIC, there is no identity theft. Now XXXX won't even allow me to use them for anything anymore because of what Wells Fargo did!
Product: Mortgage

Dear CFPB, I am writing to file a claim regarding a recent incident involving my mortgage broker. Approximately XXXX months after purchasing my home, the broker warned me that my loan was currently in a risky state and urged me to refinance, offering to cover a portion of the costs. However, after seeking advice from multiple sources, I have determined that this was a scam. 

Additionally, I discovered that the mortgage broker ran a hard credit pull without my permission, which lowered my credit score by approximately XXXX points. 

I am reporting this incident to inform you of the extent to which such scams are affecting consumers and to request that action be taken to prevent further harm. I urge the CFPB to investigate and put an end to these fraudulent practices. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

I was scammed by a fake tech support company- '' XXXX ''. B of A said I had to provide proof that I was scammed because the scammer provided B of A with a bogus electronic contract with my name on it stating that I agreed to pay XXXX {$140.00} plus a foreign charge!!! B of A denied my claim and believed the scammer!! 

I talked to the claims department by phone and convinced them to reopen my case. A couple days later I provided proof in print that this company scams people. Mine happened to be in connection with XXXX. I researched the internet and found an article stating that XXXX support was a known scammer. I faxed the article to B of A, plus provided B of A the site address so they could confirm this. Then I got a letter from B of A saying my claim was once again denied because the evidence was n't submitted in the required time frame. I faxed it all in right away!!!! 

B of A said I should contact the scammer to see if I could get my money back! Seriously??????? None of this is making any sense to me. I am thinking I am slipping through the cracks of their system. 

I have been a preferred customer since the XX/XX/XXXX 's and they would rather lose me as a customer over $ XXXX. None of this makes sense. I will be going to XXXX XXXX. I did n't realize B of A had such a bad reputation. I thought they protected their client 's money. I was wrong! I am also checking into suing B of A. It is n't the amount of money, it is the PRINCIPLE! As long as these internet scammers get away with this, the more they will keep doing what they do.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute a late payment reported by Capital One, XXXX XXXX and XXXX XXXX XXXX that appears on my credit report dated ( capital one ) XX/XX/XXXX, ( capital one ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX and ( XXXX XXXX ) XX/XX/XXXX. I believe this reporting is in violation of the Fair Credit Billing Act ( XXXX ), specifically XXXX XXXX. XXXX ( b ), as the payment in question was either : * Incorrectly billed, or * The result of a billing error on the part of the creditor. 
Details of the Dispute : * Creditor Name : Capital One, XXXX XXXX and XXXX XXXX XXXX * Date of Alleged Late Payment : ( capital one ) XX/XX/XXXX, ( capital one ) XX/XX/XXXX, ( XXXX  ) XX/XX/XXXX and ( XXXX XXXX ) XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I signed up for Albert.com XX/XX/XXXXsubscription feature and I on the same day that I was charged, I requested they refund me the {$96.00} that they charged me. So far I can not cancel the subscription and they have refused to refund me the {$96.00} because they say a savings deposit must complete first in order for the {$96.00} to be refunded. I do not understand what this has to do with my {$96.00}.
Product: Credit card or prepaid card

I used my credit card the first time ever. I received the first statement from Bank of America to make the first payment. Upon receiving that statement I paid the balance in full. I have never used the card since. I received an update on my credit rating which informed me that I had a 30 day late reported on my credit history. This brought my scores down significantly. I called Bank of America to dispute the 30 day late on XX/XX/2020, the gentlemen I spoke with was helpful and stated they would remove the 30 day late from my credit rating. I received a letter in the mail about a week later from Bank of America asking me to call them regarding the inquiry. I called and spoke to an associate named XXXX. XXXX and her XXXX informed me that the late would be removed within XXXX days. I called back again today to check the status of the removal. I have now talked to XXXX and her XXXX XXXX and her XXXX XXXX who is now stating they are not willing to remove the late from my credit rating as I should not have been told it was going to be removed. I asked them to pull the recorded conversation from XXXX, XXXX 2020 and listen to what their associates told me. They refuse to do it and now are telling me there is nothing they can do to help me. XXXX is the last person I spoke with and his XXXX # is XXXX Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off and told the credit bureaus to investigate every piece of information on the account I have listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I will provide my credit report showing all the in accuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan of XXXX. I got the loan, but the email they sent me shows they want me to pay twice a month, {$400.00} a month instead of paying once a month and the interest is through the roof. I told them I was scammed. I want to pay them off, but for what I owe them not all of that interest which will total several times more than what I borrowed. I am sick and have been off work. I can not afford interest fees in that amount. Please help ...
Product: Credit card

I submitted a payment to Goldman Sachs for the Apple Card for {$380.00} on XX/XX/XXXX. On XX/XX/XXXX, the {$380.00} was removed and debited from my bank account. on XXXX, I got a notification that my payment was unsuccessful and returned. My bank has not received a refund or reversal of that {$380.00} as of XX/XX/XXXX ( XXXX calendar days later. ) I have called numerous times, here is my timeline : Called XX/XX/XXXX - opened case - told me they would take XXXX business days Called again on XX/XX/XXXX - told me to call back on Monday XX/XX/XXXX - called - still no help Apple Supervisor- XXXX XX/XX/XXXX - XXXX Minutes ( was told the case would actually take up to XXXX calendar days ) XXXX XXXX - XXXX XX/XX/XXXX - XXXX Minutes XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX minutes XXXX Servicing Department XX/XX/XXXX - XXXX minutes I've been told misinformation 4 separate times. First I was told it would take 5-7 business days for someone to get back to me, then told it was actually 8 business days, waited until the XXXX business day to call and then was informed the correct information was XXXX calendar days. As of a phone call today, I was now told 10-30 calendar days that it would take for the investigation to be resolved. 

I have now received 3 emails and 3 push notifications on my phone saying my payment is overdue and they are reporting my late payments to the credit bureau when in fact they have been holding my payment hostage for now 26 calendar days. I have not been contacted by any one regarding this issue. I was told on XX/XX/XXXX that a direct manager would call me back by XX/XX/XXXX the latest and no one had called me. I've asked numerous times to have my case be escalated and it's clear no one has escalated it and there is no true way to escalate it. 

I was unable to use my only credit card for the entire month of XXXX right before XXXX because of an issue on their end. 

I should also mention that all but one employee refused their employee number from me. 

All of their phone calls has been recorded on their end and they are able to listen back to how many broken promises I was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation; Not mine; Names, address, and accounts:


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX
Account type
Debt Buyer
Responsibility
Individual
Date opened
XXXX

Account name
XXXX XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened
XXXX

Account name
XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never late:

Account name
XXXX XXXX
Account number XXXX
Account type
Auto Loan
Responsibility
Individual
Date opened XXXX