23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my BBVA checking account on XX/XX/2017 to take advantage of an online offer the bank was promoting. The promotion details can be found below. I met all the requirements and contacted the bank via their secure messaging system. Each time, they tell me to visit a branch, however this was not part of the promotion and there are no branches near me.

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

Eligible accounts include BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking, Clearconnect Checking, and Easy Checking.

Eligible accounts for residents of AL, AZ, CA, CO, FL, NM, TX include BBVA Compass ClearChoice Free Checking, BBVA Compass ClearChoice Interest Checking, ClearConnect Checking, and Easy Checking.

Only BBVA Compass ClearChoice Interest Checking and ClearConnect Checking are eligible accounts for residents of all other states.

Offer is valid for accounts opened in branch, online, or by phone Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.
Product: Credit card or prepaid card

On XX/XX/20 I attended a Wyndham Vacation sales presentation. The time shares were more than I could afford, but the sales representative used aggressive sales techniques. He managed to sell me a 2 yr program with XXXX travel points. It was still something I could not afford, but the representative advised me that they had 2 companies that could possibly finance the amount upfront ( didn't disclose it would be credit cards or that it would be hard inquiries on my credit ). The representative assured me that I would be able to make payments as low as {$30.00} or {$80.00} dollars depending on which finance company approved me. I was approved for both, but I was not disclosed that the APR for both approvals would be 20 %. A few days later California along with most of the country shut down due to Covid. I called the company back in XX/XX/XXXX requesting to cancel the program as I had not used ANY points and had been making payments. I was advised that there was no need for that, that the company would extend the time. I called the company again today, and they told me that the extension for unused points is only 6 months. There is still traveling restrictions and its not safe to travel. I have been paying for the last year. I do not want a refund. I simply want to cancel this charge, I have not used any benefits, and the APR is too high. I truly believe that this service/ product was sold to me under pressure, and I was deceived by the actual amounts I would be paying. Not only were deceptive, and unfair techniques used at the time of sale, but it is abusive to the customer to refuse to cancel a product that can not be used in the near foreseeable future. I have a contract showing the APR I was told I would pay, notes from the sales man on how much my payments would be. I have tried reaching to both the merchant and the credit card company in regards to this. I filed a complaint with the merchant and I was told there was nothing they can do. I have tried contacting the credit card company, but each time I try to press an option to file a dispute the calls disconnects after an automated message states that my request can not be processed and I am unable to speak with anyone at the moment. Trying to pay a XXXX debt for something I can not use seems extremely unfair, after 1 yr of on-time payments, I still have a remaining balance of XXXX.
Product: Vehicle loan or lease

Ive paid on my  XXXX  car loan t o CPS for over 3years  at  XXXX  and they say I still owe  XXXX  please overlook my situation I believe I am being frauded.   .
Product: Money transfer, virtual currency, or money service

There was unauthorized access on my account so they closed my account for 4 months telling me they are investigating it. I had to to call and email and could not get a hold of a person to discuss over the phone. They said complaints are only delt With via email. Then 4 months go by my account still locked and the money is still missing. {$600.00}. I just want my money back I would contacted My bank but I thought they were taking care of it and if there was a problem and they couldnt refund the money I thought they would give me a call or send a email. Nothing happened but a locked Account so I could not check to see what was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX {$310.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$490.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$670.00} XXXX  XXXX {$430.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report. I have official documentation from the court clearly stating that this bankruptcy should not have been reported to your agency. The fact that this erroneous information remains on my credit file is extremely concerning and calls into question the accuracy of the reporting process. To make matters worse, there is evidence of an unauthorized third party being involved in this situation, further highlighting the severity of the issue and the potential breach of my personal information.
Product: Payday loan, title loan, or personal loan

Somehow they got my info from XXXX and start texting me, calling me several times a day even thought I sent STOP on their texting but still calling morning afternoon and night. just amazing how aggressive they are. I never gave them a permission to call me or text. 

this is just spam calling and I just can't stop them to calling me and leave voicemail even though I block their number which is XXXX.
Product: Checking or savings account

I was in the bank today with my son XXXX XXXX and we both was trying to open a account up for saving and checking account but I never have a account with yall in the past or before but he did But I was denied a account with yall for no reason my ssn is XXXX and I need yall to find out why I was denied and unblock the issue or remove the issue and grant me permission or allow me to open the account up in branch or open it up over the phone call with me for checking and saving and give me both accounts numbers for saving and checking and router number for saving and checking and provide me a bonus code to the checking and saving or just checking account for new consumer and my son ssn is XXXX do the same for him or allow him to be added under my account because I received his ssi payments and same as me even I wasnt his payee or is his payee or allow him to open a new account etc please read both attachments below etc or allow him to use his other legal name is XXXX XXXX and my name is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute letter based on removal of inaccuracy and invalidated with all of my student loans on XX/XX/2022. I have not received anything back from the Experian and XXXX regarding the investigation. I have demand for them to remove this from my credit report based on XXXX XXXX CODE XXXX ( XXXX ) Removal of XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX  ) Compliance procedures maximum possible accuracy.
Product: Debt collection

I have taken numerous steps to explain that the debt is incorrect and have sent all the necessary documents to support my dispute. I have provide personal statement showing all rent paid on time and they have taken the measure to lock me out of the property online portal to pull the necessary receipts. All rent payments was paid in full and the company has rejected all my attempts to dispute the debt.
Product: Vehicle loan or lease

In XXXX I was involved in an accident that totaled my vehicle. I was not at fault but my insurance valued the vehicle at less than the balance owed. All of my payments have been on time and in the correct amounts. The week of XX/XX/year> I opened a GAP claim. Claim number XXXX for vehicle XXXX : XXXX. Once I had the claim number and fax number I contacted Bank of America and gave the information to the woman on the phone. It was the same day I opened the claim. I was assured that in 2-3 weeks the requested information such as : A copy of the settlement check, Copy of the breakdown from the insurance company, Full market value of the vehicle, Payment history, would all be provided on my behalf, directly to the GAP coverage company XXXX. During the past two months payments were automatically withdrawn from my checking account. Though before the second payment was made at the end of XXXX I requested that they stop the automatic withdrawals. Regardless, the packet has still not been compiled or submitted. Automatic payments are still being taken from me for a vehicle that I no longer own or am in possession of. Bank of America has dragged this out for nearly two months now and I am trying to prevent this issue from causing my family and myself anymore undue financial and emotional turmoil. I have little recourse in forcing Bank of America to uphold their agreement to submit the documents in a timely manner and would prefer that this not end up in litigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 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

To Whom It May Concern : REF : Violation of the FCRAI have received denial notice 's from different business informing me of their decision was based in whole or in part on information obtained from Certegy Check Services , Inc. XXXX. XXXX XXXX, XXXX, FL XXXX toll free at XXXX Who provides authentication and risk management services to merchants and businesses nationwide '' .I have sent a previous letter to Certegy, by mail, and spoken to customer service representatives over the phone requesting that I would like to file a dispute on the information that they have on file and Certegy have XXXX to do so more then year. According, to Certegy employee XXXX ( Floor Leader ) have given me inaccurate, misleading information different from other Certegy employee XXXX ( Floor Leader ), XXXX, and Al who both are customer service representative, stated to me that Certegy did not do a investigation of my dispute, when I made demand for one, and offer to do a investigation now after more then a year went by. XXXX ( Floor Leader ) informed me that there was a investigation done on XXXX XXXX 2014 and respond from, the ( XXXX ) to denies my claim on XXXX XXXX, 2014 that I did not complain about the product they gave me was misleading and I did n't wanted the product and they can not confirmed any calls, and conversations. XXXX ( Floor Leader ) demand that I pay the debt and debate against me of filing a complaint against ( XXXX ) to return the money back to Certegy, and repeatedly apologize for the others employees given misleading information on my account. Certegy, who did not notify me of ( XXXX ) respond and violated the Fair Credit Reporting Act by ignoring my requests to investigate the items according to XXXX others employee. My previous letter and phone calls -- all stated my reasons for an investigation and these reasons were not frivolous in any way. If I have to, I will file a civil suit in for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I also ask that there be investigation and that CFPB monitor this company practices. 

I anticipate your response.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a Blue Cash EveryDay Card through the American Express website. On XX/XX/XXXX, I received a denial letter but no specific reasons were provided as required by law. 

I disputed the outcome with American Express on XX/XX/XXXX, requesting the reasons for denial and details on their review procedures. On XX/XX/XXXX, American Express responded without furnishing the requested information. 

Another request for reconsideration was made on XX/XX/XXXX. American Express responded on XX/XX/XXXX again failing to substantively address the dispute. 

As counsel, I sent a letter to American Express on XX/XX/XXXX seeking a reasonable reinvestigation and the specific reasons for denial, but they have not adequately responded to date in violation of ECOA and FCRA. 

I have been unable to obtain a clear understanding of what issues factored into the adverse decision or how American Express conducted its assessment. I simply seek transparency into the credit process to ensure fair and lawful treatment.
Product: Checking or savings account

I recently opened an account with Citi Bank. When I opened the account I was never sent the original debit card and account opening paper work. I had to have a replacement card overnight shipped to me. When the card arrived I had to log in online but when I did I had to use a different username then the previous one I had when I opened the account. I created the new username however when I tried to log into the account on my XXXX, the XXXX used my Face ID which was connected to the old password under an old username name. When this happened I called the bank on XX/XX/22 I believe to be the best date and they said that now I had to receive a letter with a reference number and then when I got the reference number I could call give them the number then my account would be unlocked. I was told the letter would take up to 10 business days. After that the letter did not come so I called the bank again on XX/XX/22 and they said all they could do was send another letter through the us post office and so I would just have to wait another 10 business days. It is now coming up on another ten business days and I still have not gotten a letter. On Monday XX/XX/22 when I called the bank and gave them all my identifying information, however when the conversation got to a certain point I was put on hold and then the person just hung up. I then called bank gave all the same identifying information to be told my account is under consideration for closure and the person told me they were hanging up on me. I have had three of my checks from work direct deposit into this account totaling XXXX dollars.
Product: Debt collection

PRA Receivables has my vehicle towed from a debt that was paid off in my bankruptcy. They never sent a letter to me but I woke up with my vehicle gone. When I reached out to them they had no answers for me and said give them money or my vehicle would be auctioned off. I worked hard for my vehicle an I feel this was just a legal theft for something that belonged to me.
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Vehicle loan or lease

Im a long time BoA consumer and appalled by their recent handling of my auto loan application as they completely false advertised their loan rates and deceived me into applying for their loan. On XX/XX/year>2024 I was researching rates for an auto loan and BoA presented me with an offer for an APR of 5.09 %. This rate was presented to me on my logged in BoA portal ( i.e., they knew who I was based on my existing accounts and my 40 year history as their consumer ). Based on this advertisement, I applied for the loan and allowed BoA to run my credit report, which of course negatively impacts my credit score. After being quickly approved, they presented me with my approved loan rate of 5.99 %, 90 basis points higher than they quoted. I called BoA and expressed my frustration. The agent I spoke with said, of course, different variables impact the rate. As we walked through each variable ( e.g., I have excellent credit which BoA just ran and confirmed, I was getting a Gold tier relationship benefit, etc, ) he acknowledged that hes not sure why I didnt get the advertised 5.09 % it was a complete bait and switch scenario. Based on BoAs shady practice, Ive been harmed with a lower credit score and a much higher rate.
Product: Credit reporting or other personal consumer reports

I am attaching an FTC report containing XXXX fraudulent credit accounts as well as I am attaching XXXX fraudulent hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XX/XX/2021 / XX/XX/2021 XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 
The info is not correct. 
I have asked them to remove this account, the other Credit Bureaus have removed this account
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXXXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXX XXXX 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 reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!