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

Bank of America had been notified by me beginning in XXXX of 2017 of needing complete and accurate validation of 3 personal one 1 business account that appears on my XXXX XXXX and XXXX XXXX XXXX consumer profile. Bank of America has exceeded the 30 day timeframe to validate these accounts. They are adversely affecting me yet Bank of America refused to honor the law and my consumer rights. They only provided slight account info yet 80 % of the rational, basic info I requested such as signature cards that bare my complete name, account # EIN, photocopies of checks which alegedly cased some of these accounts to close and place me in XXXX XXXX XXXX XXXX and XXXX. # etc were not provided. Bank of America only stated to me that what they provided was " the best that they could do '' and that they sre sorry, however, they are " unable to provide signature cards '' for the accounts in question. ( See attached letter from Bank of America ) The local branch also does NOT have these documents to properly validate these accounts. They are giving me the run around. I am simply a law abiding citizen that is being violated. I am XXXX I can not keep running back and foward to branches and calling 5 days a week to get these accounts off any adverse profiles it 's associated with, including their internal systems. Bank of America has provided me with 4 letters from each account stating the above mentioned about no complete, pertinent, proof of accounts under my name and ssn.. Futhermore, these accounts do n't even bare my complete legal name and I have no knowledge of the addresses associated with these accounts as I have repeatedly informed managment. XXXX XXXX XXXX XXXX refused to validate these accounts also.
Product: Vehicle loan or lease

As per the guidance from the consumer financial protection bureau ( CFPB ), The documents needed are a picture ID a bill and a letter from an advocacy group helping me due to human trafficking debt bondage, which falls under trafficking according to Trafficking - Debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of fair credit reporting act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/1990 Account-XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Mortgage

I am currently working with Quicken Loans for an FHA mortgage. My issues started on XX/XX/XXXX with this company. 

In the contract from the seller, it states that I have already made a down payment of {$10000.00} dollars. Which means I would not need an additional down payment. Quicken Loans refuses to accept this. 

On XX/XX/XXXX, I was told that all of my asset verification documents were not accepted. I was given {$3000.00} dollars by my parents as a gift to use for the additional down payment Quicken Loans was requesting. All documentation was verified. And Quicken Loans rejected it. I have sent 3 months worth of bank statements, was told this was n't acceptable because they could n't verify where the money from my parents came from, when documentation and proof were given as they wanted. So I was told they needed 60 days worth of documentation from my bank again. I had {$2500.00} in my account, and they knew exactly where it came from, between my employer and my parents and refused to accept it. They keep changing how much I have to have in my account. I have to have {$2200.00} dollars in my account to close. I have over {$2500.00} dollars in my account and they refuse to accept it. Told me to wait two weeks so I could get two deposits from my employer and that would be acceptable. 

I have done EVERYTHING they have asked and they keep jacking me around and denying everything I send. I feel they are scammers. I never, ever had this issue buying a house before.
Product: Credit card

I have tried several times to cancel my Bank of America, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.
Product: Debt collection

I'm disputing some accounts on my credit report due to identity theft. Other bureaus removed them, but yours hasn't. Creditors promised to fix it, so please remove the accounts ASAP.
Product: Credit card or prepaid card

Due to unexpected circumstances I missed my XX/XX/XXXX payment due date. When I was able to make an online payment on XX/XX/XXXX I was advised that my payment due was {$650.00} rather than the {$330.00} scheduled payment. When I made the online payment of {$650.00}, the Home Depot/XXXX XXXX  web site displayed a text box advising me that my next scheduled payment was due on XX/XX/XXXX. In early XXXX I began receiving notices that my XX/XX/XXXX payment was past due. On XX/XX/XXXX I contacted Home DepotXXXX XXXX  and explained that I was following the information provided on THEIR online payment portal that my next payment was not due until XX/XX/XXXX. I also asked why they were demanding that I pay approximately three times my regular monthly payment in less than a one month period, and if so, why was I being charged over {$300.00} as a late fee when their credit agreement term clearly states a late fee of {$38.00}. The Home Depot/XXXX XXXX  representative had no explanation to my question and advised me they would submit my issue to the proper authority for review. I received a US Mail reply, dated XX/XX/XXXX, from Citibank that stated they had attempted to contact me to discuss the issue. The only contact I had received, prior to this letter, was to harass me about my XX/XX/XXXX payment being past due. I was never offered an explanation or answer to the issue I was having, other than that I was mistaken and that my account was past due. 
I have continued to make my regularly scheduled payment in a timely manner to uphold my share of the credit agreement. During this time, Home DepotXXXX XXXX  's response has been to continually harass me via phone, email, and US Mail, all the while refusing to answer my questions and concerns surrounding their faulty billing system and exorbitant fees. On XX/XX/XXXX, I received a notice from Home Depot/XXXX XXXX  that they have suspended my card privileges and decreased my credit limit by {$7000.00}, adversely affecting my credit score. 
As a taxpayer it is appalling, that after receiving over {$470.00} XXXX in taxpayer bailout money, this bank would be permitted to engage in such egregious, and outrageous business practices. Their attitude towards myself has been nothing more than, " you are wrong, pay up or we will destroy your credit! '' This abuse of power is simply unfair to consumers who feel we have no recourse. 
I ask that the CFPB please investigate the " Bullying '' of consumers by Citibank and hold them accountable for the damage inflicted on their customers credit history. 
Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with Equifax and XXXX  for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/2020 a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from XXXX  and XX/XX/2020 it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX  is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX  with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both Equifax and XXXX  with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from Equifax and XXXX  due to it being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 100 million plus Americans whose SSN and other information was stolen in the breach of Equifax. I need information on my next steps to protect myself and my family
Product: Student loan

The added late payments to my account and I submitted all the papers needed. They told me to dispute it online and I did. I just want the late payments taking off my account. Ive never had any before. And its effecting me buying a house.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices. Which violates the consumer financial protection act. Specifically, Cash App has failed to take timely and effective measures to prevent address fraud on their platform. Therefore leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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
Product: Credit reporting or other personal consumer reports

I contacted these creditors that Experian is claiming they contacted about my credit when in fact they lied about 2 cards XXXX  XXXX and municipal credit union these cards were suppose to be off of my credit because both states and I quote ( we dont make the decisions on these cards anymore because they are charged off accounts yet Experian wont remove anything and keeps lying and saying the research proves to be mine they are XXXX  XXXX and XXXX because if I had a XXXX  Name instead of an XXXX name these things would be gone off of my credit but instead XXXX XXXX so of course I get treated like garbage and shouldnt have clean credit even though I submitted every piece of documentation proving my identity theft they refuse to cooperate with me and I will contact a lawyer after submitting this Im so sick and mentally drained due to this the pain and emotional distress this has caused is detrimental to my health
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX XXXX
Product: Credit reporting

/I requested a 7 day trial period for {$1.00} and sent in a termination request within 1 day and they a/re charging me for a service I do not want nor have used. Return my {$21.00} charged on XXXX/XXXX/16 to my credit card. That was my kids lunch monies XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed many times. Account had been transferred to another company. MCM was paid with no further obligation. Nothing has been deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the 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. 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 or reported inaccurately. '' The law is noticeably 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 demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX  XXXX # XXXX, XXXX  : # XXXX ******, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report in XXXX of XXXX, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Experian has shown me no proof of validation. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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

I am experiencing issues with my mortgage application due to incorrect information reported on my credit report. All of my loans, managed by A & D Mortgage, were submitted for deferment under identical conditions and have been deferred. However, all loans are being inaccurately flagged on my credit report as " disputed, '' which is not correct and is causing delays in my mortgage pre-approval process. 

Below is a list of all my loans managed by A & D Mortgage, sorted by loan number, with confirmation that all loans are deferred : XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred XXXX Deferred My lender, XXXX XXXX, has informed me that the " disputed '' status issue applies to all loans, despite their deferred status. This incorrect flag is preventing the mortgage pre-approval process from moving forward, as his company requires this issue to be resolved upfront to avoid delays during final approval and closing. 

I have contacted A & D Mortgage multiple times, requesting their assistance in ensuring that the accurate deferment status of all loans is reported to the credit bureaus and the " disputed '' flag is removed. Despite these efforts, the issue remains unresolved, and my credit report still inaccurately reflects this status, causing unnecessary complications. 

I am requesting the CFPB 's assistance to ensure that the correct deferment status of all loans is accurately reported and that the erroneous " disputed '' flag is removed from my credit report. This correction is critical for me to proceed with my mortgage application without further delays. Thank you for your attention to this matter.
Product: Checking or savings account

I just hate that BBBA COMPASS take so long to complete transactions to where it causes overdrafts. You can have the money in the account per what it says is available, twice I have had this problem. It takes forever to update your account and direct deposits. I have talked about thi s on three occasions and I removed my overdraft option. They are slow on updating the accounts and they need to update their systems.
Product: Credit card or prepaid card

I am writing to report fraudulent use of a {$200.00} prepaid MasterCard card I purchased in fall XXXX. It was issued by U.S. Bank. I took the card out of the original packaging on XX/XX/XXXX and went to use it for the first time at XXXX XXXX, but was only able to use {$4.00} of the {$200.00} value. When I got home and looked online at XXXX, I could see that it had been fraudulently registered online to someone in California, who {$190.00} charged last XX/XX/XXXX to a merchant I do not recognize. 

I called the customer service number on the packaging on XX/XX/XXXX, and was told that they had notes on their system from last fall indicating suspicion of a fraudulent registration due to an unusual phone call at that time. They said that I would need to FAX them a copy of my drivers license, the front and back of the card, and the purchase receipt in order to move forward with resolving the issue. I explained that I no longer had the receipt, and they told me to send in what I had. However, they could make no assurances that this would be sufficient to have my stolen funds restored, provide a case number or direct contact number or email for those at their institution who would be dealing with this issue, or give me a general timeline for resolution of the issue. 

I will FAX them the driver license and card image as they requested, but because they can provide no assurances that this will restore my funds I am also filing this complaint. As directed on your site, I am not providing my name or the card number here.