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

I have been trying to contact bank of america about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against XXXX XXXX XXXXXXXX and bank of america to the cfpb and XXXX. bank of america on two occasions did not want to comply with the XXXX  on the last occasion, they rejected the complaint from the XXXX. XXXX XXXX XXXXXXXX never even replied to the XXXX  complaint i had against them. bank of america also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at bank of america will talk to me. I am a XXXX veteran and I must report bank of america and XXXX XXXX XXXXXXXX to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I received an email notification from Equifax for a credit report inquiry from " XXXX XXXX XXXX  XXXX ''. This was troubling to be because I did not, nor am I even remotely interested, in applying for a vehicle loan. I do not have a car, I don't want one. Needless to say ... this inquiry WAS NOT AUTHORIZED. Furthermore, my Equifax score dropped because of this inquiry. What does XXXX XXXX want with me and vehicle loans? I don't want a vehicle loan from XXXX XXXX. Are they allowed to do this? Pull my credit report whenever they feel like it? This can't be right. Please investigate.
Product: Debt collection

Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.
Product: Debt collection

I am filing this complaint against Portfolio Recovery Associates and their continued violation of The Fair Credit Reporting Act. I am attaching a letter they claim was sent to me several years ago. First, I have never lived at the address referenced in their letter, hitch I am attaching to this complaint. Clearly Portfolio Recovery Associates did not read my complaint to the CFPB nor did they read the attachments submitted with the complaint. Clearly I have filed a dispute regarding this alleged debt as the attached letter submitted on XX/XX/2021 states. Additionally, I am attaching a notice of a lawsuit filed against XXXX for engaging in the very same misconduct that Portfolio Recovery Associates is engaging in. Fir the record, my previous complaint specifically requested certain documents to be produced or provided to me under Section 609, 611 FCRA. The request was clearly stated in my previous complaint of record with the CFPB. Portfolio Recovery Associates can only supply a back dated letter purportedly sent to an address I have never lived at. So clearly Portfolio Recovery Associates has not complied with Section 609, 611 FCRA, a fact which they admit to in their response. Please clearly read the attachments to this complaint and comply with Section 609, 611 FCRA in addition I make formal demand for Portfolio Recovery Associates to comply with Section 609, 611 and 623 of The Fair Credit Reporting Act. If there are any questions regarding this please refer to The Fair Credit Reporting Act and the requirements of Portfolio Recovery Associates and the fact that despite being noticed under Section 609, 611 FCRA they have failed to comply. Please see the attached notice of The Federal Trade Commission Lawsuit Against XXXX and the requirements of a furnisher of credit reports under The Fair Credit Reporting Act.
Product: Credit card

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Issue with Best Buy City Bank Credit Card - 5 % Cash Back Not Honored Hi there, I hope this email finds you well. I am reaching out to address a significant concern regarding my Best Buy City Bank credit card. I have made numerous calls to City Bank and Best Buy this week, totaling up to 10 calls in total. During these calls, I have opened two case numbers : XXXX and XXXX. Each time, the representatives have acknowledged that I am owed 5 % cash back for my purchases at Best Buy. However, whenever I am transferred to a supervisor to process the credits, the call either gets disconnected abruptly or the supervisor is unable to assist me. 

Interestingly, the representatives I have spoken to also mention other promotions related to gas stations, restaurants, and other entities that are not relevant to my situation. I solely use my card for purchases at Best Buy and nowhere else.

When making a purchase at Best Buy with my City Bank credit card, I am given two options : either to finance the purchase or to receive 5 % cash back. I always select the cash back option.

In an attempt to resolve this issue, I have spoken with two store managers at the Best Buy store in XXXX, IL. Both of them have reviewed my case numbers and have agreed that I am indeed owed the cash back. Unfortunately, they informed me that the issuance of the credit falls under the jurisdiction of Best Buy HQ, and they are unable to assist me further.

I am growing increasingly frustrated with the lack of resolution to this matter. I kindly request your urgent attention to this issue and prompt action to ensure that the 5 % cash back promised on my Best Buy City Bank credit card is honored. I would greatly appreciate if you could provide an update or clarification on how this matter will be resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Checking or savings account

Suspects opened a checking and savings account on XX/XX/21 by identity theft by somehow using my passport to do so. They then deposited and withdrew bogus unemployment funds. Huntington Bank will not allow me to close the accounts. Ive sent a letter and called several times and still have not gotten any resolution. Im VERY disappointed with their lack of communication with me. When requesting to close both accounts they said I have to travel to their location 8 hours from my home.
Product: Credit card or prepaid card

On XXXXXXXX XXXX XXXX XXXXXXXX company charged us a 7 % fee as part of a total charge of {$1000.00} for making payment on a XXXXXXXX XXXX card rather than the 5 % clearly stated on the contract. Bank of America so far is allowing the overcharge. I've received no explanation for why this overcharge was allowed to stand despite numerous calls to BOA.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Also please be aware that Im the person writing this complaint. Im not using a 3rd party such as credit repair to help me. I notice a charge off on an account which is XXXX to be incorrect. I have the following letter to prove its not a charge off because i have a Deficiency Waiver Agreement which cancel any remaining indebtness excluding any contribution required from the borror. Please remove this from my consumer report. It is the reportiong agency responsibilities of furnishers of information to consumer reporting agencies Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Bank account or service

My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on BEST EGG/SST ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ECMC is reporting the DATE OPENED of 4 loans as XX/XX/XXXX ( see XXXX and XXXX information attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from StudentAid.Gov ).

ECMC is reporting the loans to the credit bureaus, however the last activity/payment is over 7 years old and negative information should cease being reported per the FCRA. ECMC is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home.

I contacted ECMC by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within 10 days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with XXXX ( twice - see attached ) and XXXX " verified as accurate '', however this is not possible as again, these loans were opened over 10 years prior. I submitted a dispute with XXXX ( see attached ) however XXXX has not completed their dispute.
Product: Debt collection

I have a dispute still under investigation with one of the credit bureaus. 

United Recovery Systems is the debt collecting company collecting on behalf of XXXX XXXX on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a United Recovery Rep on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in one lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
Product: Mortgage

On XX/XX/2014, Specialized Loan Servicing ( SLS ) acquired my loan from XXXX. 
At the time, I was awarded funds from Keep Your Home CA in  the amount of {$98000.00}. 
SLS placed the funds in an Unapplied funds account until XX/XX/2014. I was informed that {$93000.00} was applied to the principle balance.
Product: Credit reporting or other personal consumer reports

I am writing to complain to GLOBAL LENDING SERVICE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Filed A Dispute With The Company They Failed to Investigate The Dispute I Called & Spoke With They XXXX XXXXXXXX & Was Told It Would Be Took Off My Credit Report Because I Filed For Bankruptcy But Its Still On My Credit Report & I Requested A XXXX and they failed To Provide Me With That Information The Car Been Sold And They Failed To Update Any Information I Ask That It Be Removed From My Credit Report Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent My Letters off XX/XX/22. I told the Credit Bureaus to " Investigate every piece of information '' on the accounts listed down below. 
Also, I have attached the tracking numbers to show I sent these letters to each Bureau voicing my concerns and disdain for these inaccuracies and discrepancies. 

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

If these accounts are supposed to be verified, how is this possible if they did not do a proper and full investigation according to The Law.

Also, every piece of information on these accounts are still reported 100 % Accurate. And According to the FCRA 15 USC 1681 EVERYTHING has to be 100 % Accurate and they are not. I have attached the inaccuracies as well. 

These accounts are not only inaccurate but they have violated My Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

I am not a criminal and have never been, nor have I been convicted of any crime ( s ).

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. 

These are the accounts : XXXX  XXXX ( different amounts for all 3 ), XXXX or XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

I have an account through Chime. They gave me an electronic card and mailed me a physical card. I have my electronic card on my XXXX XXXX account and mostly use that for any transactions through my Chime account. I keep my physical card in my wallet in case I ever need it. Well I realized my physical card was stolen recently and immediately checked my bank account with Chime and reported the card as stolen/lost. I checked my transactions and saw all the transactions I used my electronic card for through the account but also saw a few from an unknown source that I did not authorize using my physical card the day prior, the day it was stolen. I reported the transactions and disputed them with Chime totaling over {$100.00} and they have denied my disputes with no reason why. Now I have no funds until I get paid again.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediatelyXXXX XXXX XXXXXXXX
Product: Mortgage

I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX
Product: Payday loan, title loan, or personal loan

PayPal credit did not notify me about increasing my credit limit. It began as XXXX and now it is XXXX. They failed to notify me of a credit limit increase. Also they continued to increase my limit multiple times without my consent or request. I didn't qualify financially for the increase during that time.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXX XXXX XXXX : {$660.00}.
Product: Credit card or prepaid card

My XX/XX/XXXX payment was 2 days late but the minimum payment was made, the next month they increased my minimum payment requirement, my pre-scheduled XX/XX/XXXX payment was early, I thought, but not for the whole minimum payment amount since I had pre-scheduled it and not realized they had increased it, so the remainder of the minimum payment, {$9.00}, was 3 days late in XX/XX/XXXX, now my XX/XX/XXXX minimum payment has increased again. 

Can they really charge me late fees, increase my interest and increase my minimum payments, even though my account is current? Where can I find a rule to tell them they can not keep increasing it? 

Thank you.
Product: Checking or savings account

I was a chime member for over a year now and have had my card/wallet stolen from me while I was at work it happens but Ive made reports about this issue and chime has closed my account without notice with all of my living expenses on there ( funds ) and there telling me nothing can be done about it that I would have to wait nor did anyone tell me why my account has been closed. This happened as of today XX/XX/2020 Ive been contacting them and they just stopped answering me. I call customer service its an automated message that knows all of my information and blocks me from connection to a live agent, very unprofessional and inconvenient to individuals using this bank, I just need my funds all my money is on there my direct deposit is connected through there I dont know how Im going to survive I need help please!