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

At the end of XX/XX/XXXX, I had called Bank of America to close my Spirit Bank of America XXXX. 

I assumed this had gone through, although now looking back, I did not receive a letter from this company regarding this closure. 

I did not use my card after this, but then was charged my annual credit card fee that is associated with the card in XX/XX/XXXX ( XX/XX/2019 ). I was unaware of this, as I had thought I had closed my account and had recently moved, changing the address on my current open accounts ( except for this one obviously ). I was notified that my score dropped drastically from this on XX/XX/2019. 

It wasn't until I saw the notification on my credit report that I realized that this was still open and now overdue. I paid it, after disputing with the company and not getting anywhere because I am trying to buy a home and didn't want the late fee to progress any longer with my credit score being affected. 

I have also opened disputes with the credit reporting companies regarding this. I have never had a late payment before and am very frustrated that this happened and has affected my credit so intensely. 

Thank you for your time and I look forward to the resolution of this matter.
Product: Mortgage

In early XX/XX/XXXX, I contacted Citizens Bank with my new property tax amounts. Since they increased alot, they said they needed to perform an assessment and to wait for a notice that would tell me my new payment amount and the date it would be in effect. I received that on XX/XX/XXXX, {$3200.00} beginning XX/XX/XXXX. On XX/XX/XXXX, I received a past due notice for {$6500.00} due by XX/XX/XXXX! They said it was because I had not made my XXXX payment ; which I did make {$2700.00} on XX/XX/XXXX just like ever month before that. They said the amount due in XXXX was {$3200.00}, so I still owed {$550.00} and {$120.00} late fee AND they reported me to the credit bureau, ruining my perfect payment history. I have a credit score over 800 because I manage my payments well. They claim they will remove the {$120.00} late fee and the credit bureau report, but considering past performance, that won't happen. But they still want the {$550.00} by XXXX, which means I have return presents that are already wrapped under my grandkids tree! This company does stuff like this all the time. Their practices need to be scrutinized and prosecuted. Please help!
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  COLLECTIONS # XXXX BY EQUIFAX AND XXXX BY XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that Experian claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to Experian and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
Experian has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.
Product: Credit card or prepaid card

1.I have never had an account with this company WELLS FARGO BANK , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Vehicle loan or lease

In XXXX of XXXX, purchased a new XXXX XXXX. Dealer supplied financing through M & T Bank. Initial monthly payment was {$680.00}. I paid {$700.00}, expecting additional {$20.00} to be applied to Principal. That hardly ever happens. Even if I enclose XXXX checks, XXXX for the amount due that month, and a second check with a note to apply additional funds to Principal. That rarely happens. 
For the payment due XX/XX/XXXX, I sent a check in the amount due, {$200.00} ( reduced due to all the " over '' payments made prior. That was applied fully to XXXX on XX/XX/XXXX. I send a second check with a note to apply to Principal, in the amount of {$500.00}. That was processed on XX/XX/XXXX. Of that {$500.00}, {$170.00} was applied to XXXX ; and a whooping {$320.00} to additional XXXX. There is no way that much Interest accrued in XXXX weeks. 
Is this legal? It seems like XXXX to me. 
I have contacted M & T Bank by phone, via their website and in person several times to no avail. 
Please help. 
Thanks XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred {$500.00} from my account at Bank of America to my account at XXXX XXXX. However, later I learned that XXXX XXXX  closed my account. They said my funds were immediately turn back. 

Unfortunately, the refund never occurred. When I contacted Bank of America, they informed me that the transfer was processed correctly and that the funds were successfully sent. After that, I reached out to XXXX XXXX, where I was told that no funds were present in their system and that they could not assist me. 

I have contacted both banks multiple times in an attempt to resolve this issue, but neither has been able to provide information about the whereabouts of my funds or return them to my account. 

Both Bank of America and XXXX XXXX  have failed to take responsibility for the return of my funds, instead attempting to shift liability onto each other. As a result, I have been forced to dedicate significant time and effort to resolving this matter, yet there has been no progress in locating or recovering my funds. This ongoing lack of accountability has caused undue inconvenience and financial uncertainty. 

I formally request immediate action to rectify this situation and facilitate the prompt return of my funds. 
I kindly request an investigation into this matter to determine the location of my funds and ensure their return to me.
Product: Debt collection

On XX/XX/2022, I pulled my credit, and saw that ARS is reporting several accounts on my report. Account : XXXX, alleged debt : {$1000.00} Account : XXXX, alleged debt : {$310.00} Account : XXXX, alleged debt : {$1500.00} On XX/XX/2022, I sent ARS a letter requesting the below information : 1. Breakdown of fees including any medical charges and collection costs 2. A copy of my signature with the providers of service to release my medical information to them 3. Cease any credit bureau reporting until the alleged debt has been validated by me. 
I received a letter from ARS dated XX/XX/2022 without providing me the information I requested to validate these alleged debts. Per the HIPAA Collection Laws and FDCPA, the information that I have requested is not to their discretion and/or whatever they see fit, they are to comply, but they chose to violate my rights. 
So, on XX/XX/2022, I sent them another letter demanding a cease of the accounts and delete them off my credit reports immediately. However, I received another letter from them dated XX/XX/2022 completly ignoring my letter and sending me the same generic letter they previously sent that was dated XX/XX/2022. I was asking for validation, not verification. I am demanding that they cease collection and delete these accounts off my credit reports.
Product: Credit card or prepaid card

I have been a Citi customer for almost two years. I have the Citi prestige credit card. One of the benefits of the card is an annual credit of {$250.00} per calendar year everytime the card holder. On XXXX XXXX, 2018, I was issued a credit refund of {$250.00} from Citi which was to come in the form of a check to the mailing address I have on file. It was supposed to have been at my address 7-10 business days. The latest I should have received this was on XX/XX/XXXX. I contacted Citi through their chat and I was told to wait a few more days. I waited until XX/XX/XXXX and was fed up, I contacted Citi again, they told me that the check was " abandoned ''. I verified my address on file and it was correct. I was told that I would have to wait two days for the funds to go back into my account. I could then contact chat again for a direct deposit since obviously, the mailing check option did not work. I contacted Citi in two days and was told to wait another two days. On XX/XX/XXXX, I spoke to a rep, she told me a check has been processed. I was extremely frustrated at this point. I expressed my frustration to the rep and explained why I was upset with the follow up. A rep promised me I would be getting direct deposit because I did not feel safe being sent checks since Citi did not even know it was " abandoned '' until I said something and it has been about a month for me to even be sent this credit back. The rep closed the chat on me, it was at this point that I felt powerless and I had to go through another avenue for followup. I hope the CFPB can assist with this. I do not plan on going forward with Citi at this point. I have been with Citi for about two years, they were one of my first credit cards. Unfortunately, I do not matter to them and the safety of my funds is not important to them as evidenced by the terrible follow up and the fact that a rep closed the chat on me.
Product: Credit card

I opened an account with this bank and when I received the card it was lost shortly after and charges were made no more than XXXX some dollars so they reissued a new card and disputed though charges however when I received the new card I had made some purchases that they said were suspicious Even though I told them I made the charges they still closed my account I believe this is a discrimination case and I will be filing elsewhere too
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 U.S.C 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # 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 in accurate.
Product: Credit reporting or other personal consumer reports

Expired breach credit file by conspiring with other corporations to breach the truth in lending agreement and permit damage to the consumer report issued by investors authority of agreement. Such findings are a violation under 18 U.S. Code 894- Collection of extensions of credit by extortionate means U.S. Code ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

As experian permjtted and willfully neglected executing care in its duties of care. 

Under the assignment of a trust agreement of warranted property. 

Please issue an audit on the several inquirys they refuse to remove claiming it does not harm my profile. 

Which is an act of neglecting the consumers report to remove negative findings in the detriment of the consumer under truth in lending disclosures and 18 usc 6 obligations of the U.S
Product: Money transfer, virtual currency, or money service

Account locked on Coinbase.com. Provided details requested by Coinbase to validate and unlock my account. After multiple submissions and promises by customer service to get this escalated/resolved, my account remains locked with thousands of dollars that can not be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and capital one has ignored any attempt that I have made to rectify the problem, the debt is for {$11000.00}. I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with Transunion, XXXX, and XXXX. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.
Product: Debt collection

A {$24.00} balance was supposed to have been waived by Ally Financial. The wavier was not processed in XXXX and no additional communications were sent to me. Ally Financial never reported this on my credit report so I did not know this amount was owed. Ally Financial then reported this to the credit agencies in XXXX and is now severely impacting my credit score such that a mortgage that I'm trying to get will cost me over {$6000.00} more. Ally Financial told me that they can not do anything to remove this from my credit report now.
Product: Mortgage

Mortgage is close to 3000 I had tried to lower my payments in XXXX XXXX instead Wells Fargo put my home in foreclosure after I asked for a payoff amount which I never received. They make so many excuses not to take my houseout offorclosure. Once you try to reduce your payments might as well kiss your house good bye. Wells Fargo was so disorganized they lost my records, did n't enter them into the system, theXXXX and I worked with representatives that the management cant see on their end. The Vterans Department and The bank have confirmed we sent in all of the documents still XXXX XXXX at Wells Fargo upper management cant see the fault in losing my documents. 

I was assigned 7 different agents to me and my case everytime I got a new representative the VA and I would send in a new packet of information. I Asked for a buy out and they did n't have one, We called several times and wells fargo and XXXX XXXX XXXX did not have a pay off amount for me until a few weeks before the sale. 

I sent in the money and they did n't cash the check, I did everything verifiable to Wells Fargo, I went to the bank to send the documents so this very thing would n't happen. I sent a copy to Department of Veterans Affairs and Wells Fargo so they could not make any excuses but they are and now I am moving out of my house today XXXX, XXXX XXXX We had postponed the sale in XXXX XXXX and continued getting paperwork done I sent in the remainder of information on XXXX XXXX XXXX. The Bank statements were sent by my Wells Fargo Branch in XXXX XXXX XXXX and XXXX XXXX at the VA Sent XXXX a Letter stating she had all the proof I sent in the information. 

Not only that I remodeled my whole house over 50k and lost over 100k in equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus have frozen or blocked my XXXX XXXX XXXX from getting my personal information to process a personal loan. Ive never frozen my information from the 3 Credit Bureaus so I would like it unfrozen. Also I have an issue with XXXX XXXX XXXX which I believe has blocked me in some way for as they say not sending them a letter canceling my Auto insurance in XX/XX/2017. I phoned XXXX and gave them my new policy number back in XX/XX/2017 and they didnt acknowledge my cancellation told me I needed to send in writing, I didnt therefore I believe this is the problem behind everything at the Credit Bureaus. Please help me resolve this issue ASAP! It would be appreciated beyond belief.
Product: Debt collection

Collection Agency continues to call my place of employment, and family/friends and harassing me. I have made a written request for them to correspond via email or mail. They continue to call my employer and are causing me financial harm. 

Contact information of Collection Bureau : Financial Adjustment Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Everything has to be XXXX percent accurate pern FCRA and 15 US 1681n which holds parties civilly liable for willful noncompliance with the FCRA