23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I've purchased a {$100.00} Vanilla gift card at XXXX 's XXXX for my child 's bday, he tried to used it after opening there is no security code. Went back to the supermarket and said I have to contact Vanilla gift card but I've called them many times and was on hold for hours and did not send me a new card.
Product: Checking or savings account

I received a XXXX file report and do not recongize this company .... it makes sense now because around that time, I was receiving emails from Credit Ninja saying more informaton is needed to process the loan, but i never started any loan process with any company recently. 

Time - XX/XX/19 Merchant Name - Credit Ninja XXXX Response - Account Opening Inquiry
Product: Mortgage

Yes, I have an on going issue with FLAGSTAR BANK, for 5+ years. I received a loan modification offer on XXXX/XXXX/XXXX. The paperwork was dated XXXX/XXXX/XXXX [ see attached ] saying first modification payment due date XXXX/XXXX/XXXX. This paperwork was signed and returned on XXXX/XXXX/XXXX. After only a brief time to review offer. Was not given the proper time to review and question the offer. I called Flagstar bank asking why there was an increase in the principle balance [ {$6000.00} ] of my mortgage before and after modification? I was told by a man calling himself " XXXX '' [ refused to give last name or ID # ] maybe the Losses were Capitalized. In the paperwork, I have given you the facts that support SEVERAL Violations against FCRA, TCPA, FDCPA, RESPA, TILA, HAMP rules, knowingly commented by FLAGSTAR BANK. Was not given the month relief when the Modification started. I still receive collection calls on a weekly basis from FLAGSTAR BANK. even after the have acknowledged my cease and desist order to stop calling cell phone and make all communication all in written form. As of this writing, I still have not received a Mortgage Statement except copies followed per letter. I have request several occasion the complete " MORTGAGE HISTORY LEDGER '' for this loan to no avail. As they have prior sent for the XXXX Calendar year.
Product: Mortgage

I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.
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  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Mortgage

I have a checking account with Bank of America from which a scheduled monthly payment of {$900.00} is paid monthly to XXXX XXXX, formerly XXXX XXXX XXXX located in XXXX Texas. This payment is due on the XXXX of each month. In XX/XX/XXXX, Bank of America failed to make the scheduled payment, which led to XXXX XXXX 's attempt to collect the mortgage amounts of {$900.00} plus an additional 28.75 %, from my checking account, without contacting me. This happened on XX/XX/XXXX, when I saw that XXXX XXXX was trying to take {$1200.00} from my checking account, an additional {$360.00}. I intervened and called Bank of America to find out what the problem was ; at that time having not ascertained any reason for their action, I cancelled the automatic payment schedule and decided to do it manually on a monthly basis. XXXX XXXX has never made contact to let me know what the problem was. 

On XX/XX/XXXX, XXXX XXXX reported my name to the XXXX Credit Bureau that I failed to keep my mortgage payment agreement. XXXX immediately contacted my bank services at XXXX XXXX XXXX in XXXX Wisconsin where I lived and worked previous and still maintain an account. At first I contacted XXXX and asked that they investigate the claim. However, I have since learned that Bank of America was the company at fault for failing to pay my mortgage on XX/XX/XXXX ( see lay out provided ).
Product: Money transfer, virtual currency, or money service

I have sent money to the same recipient every month for almost 5 years through XXXX via Wells Fargo. The recipient receives it at XXXX XXXX XXXX XXXX. I did the same on XX/XX/2022. She did not receive it. I called Wells Fargo, they said it was safe to use XXXX and they would look into the missing money. I did it again, it didnt go through again. I called WF again. They said they need 10 days. After 10 says they said the moneys gone not thier problem, and confirm it didnt go to XXXX, but they wont say where it went. 2 X {$810.00} total loss {$1600.00}. WF gets all the benefits of XXXX, non of the liability, and they provide no info or proof.
Product: Credit card or prepaid card

The complaint is Bank of America removing the standard 1 month grace period from our credit card purchases when we tried to save money by using one of Bank of America 's 0 % balance transfer offers. This has now cost us {$260.00} if interest that would not have existed if we hadn't tried to " save money. '' On XX/XX/2018 due to the card 's more competitive rate, we decided to make our Bank of American Mastercard ( BofA MC ) our primary credit card. 

To make things easier, we transferred our other credit card balances to BofA MC for 1 year of 0 % interest. They charged us $ XXXX {$42.00} ( {$96.00} dollars ) for the " special '' transfers, so it is no really 0 % it is 4 %. Then they begin charging immediate interest on our other new purchases. Even with us paying our normal payments on time, we have faced {$200.00} of interest that would have been {$0.00} before the special offer. This should be crime. 

When taking the 0 % deal, all the agent had to say was ... '' this will remove your grace period on new purchases, are you sure you want that? '' Instead, he just kept saying do you understand you'll be charged interest at 12.49 % on new purchases ... And I thought " of course, thats how it always works. '' So I agreed. The language BofA used is meant to trick people. 

We stopped using the card as soon as we realized their actions, but would like to be reimbursed and this " bait and Switch '' to be stopped. 

When I spoke to Bank of America about my displeasure, they acted like it was just too bad for my family and offer no resolution!!
Product: Credit card or prepaid card

I pay my balance in full every time I make a purchase using the banana republic synchrony Visa card. I had been issued a new card and the card number had changed months ago but I did not realize it would require a new entry in my online banking bill pay. I paid the balance as I always did and since I never received a paper bill or an electronic bill I assumed everything was fine. 

Weeks later, I start receiving delinquency notices via email. I called Synchrony to see what was wrong and they told me the balance was applied to the wrong card ; a card that had expired over a year ago. They assured me the payment would be reflected on my current balance and to be patient as it may take up to 10 business days. What went on after that was very frustrating. I make calls each week to follow up on the status with the representatives telling me it would be taken care of this time. I finally got so frustrated after about 2 months of dealing with them that I paid the bill again over the phone just to make the emails and phone calls stop. I still have not received any update about the payment made to the older card even though it was paid twice. 

I have since closed my account and will not do business with synchrony again.
Product: Debt collection

ON OR ABOUT XX/XX/XXXX I AUTHORIZED XXXX  TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX  XXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED XXXX XXXX, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY XXXX ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX XXXX  DID IT AGAIN BY COMMITTING FRAUD XXXX  WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX XXXX DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE XXXX REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

XXXX DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR XXXX XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items listed below deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal account from my credit report from all three credit reporting agencies. 

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

I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/22, I sent out a letters XXXX, to XXXX, XXXX, Equifax. Here is my tracking number ; during this investigation they said everything was 100 % accurate and XXXX said theyre not reinvestigating my items too. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know more about who did they speak with? 
How did they complete this investigation? This doesnt correspond to the definition. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

I would like to how does XXXX hold the right to say, They will no longer further investigate. When 15 U.S. Code 1681i, says theres not limitation to reinvestigation if the report is determined inaccurate, as you can clearly see theres no proper investigation being conducted
Product: Debt or credit management

My father XXXX XXXX passed away XXXX years ago. He has XXXX homes in his name, one which he purchased for me and I always paid the monthly mortgage. Deed finally got put in my name but mortgage still in his. Trying to get everything in my name and ran into a Lien placed on his name which I had no idea about. The judgement says one amount and my dads actual address but my title company says it will attach to all his properties. Also Lien company is tagging interest of {$4000.00} extra on. Company will not take my calls to try and come to a resolution for something that isnt mine and my dad has been gone XXXX years. Just looking for some help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

THE COMPANY CLOSED MY ACCOUNTS FOR SUSPICION OF FRAUD ON THE XXXX OF XX/XX/XXXX WITH {$65000.00} IN THE ACCOUNT AND DID NOT ALLOW ME ACCESS FOR XXXX  MONTHS UNTIL I COMPLAINED THROUGH CFPB ON THE XXXX OF XX/XX/XXXX OF DISCRIMINATION AND UNFAIR TREATMENT. 

THEY HAVE NOW RESOLVED TO APPROVE THE FUNDS AND SENT ME A CHECK FOR THE TOTAL AMOUNT OF {$65000.00}, BUT SAID NOTHING OF MY ACCOUNT THEY CLOSED AND NOTHING ABOUT INTERESTS FOR UNFAIRLY HOLDING ON TO {$65000.00} FOR XXXX  MONTHS. 

I HAD TO BORROW THE MONEY TO COMPLETE THE TRANSACTION AS STATED IN MY EARLIER COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

* My XXXX had a Chase XXXX Visa * Account was opened XX/XX/XXXX * Business name is XXXX XXXX. 
* For 14 years XXXX XXXX. paid this account never missing a month * XXXX XXXX is a XXXX XXXX XXXX XXXX * Chase never recorded payment on my personal credit account before * XX/XX/XXXX, XXXX Hit a bump in the road renters stop paying their rents due to covid-19. 
* XX/XX/XXXX was first time ever XXXX missed a visa payment * Chase put missed payment on my personal credit report that month and every other month after changing the XXXX  account to a personal account with credit agencies and sending me a credit card with my name on it instead of the XXXX name XXXX as usually. 
* I never signed the credit card on the back accepting personal payment * My XXXX XXXX XXXX made 14 years of payments that was never reported to the credit reporting agencies as a personal account. 
* First reporting in XX/XX/XXXX, on personal credit my XXXX  owed in the area of {$3500.00} that chase posted on my credit.
Product: Credit card or prepaid card

I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on August 19- 16 days prior to the Comenity established payment due date. I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.
Product: Debt collection

In XX/XX/2019, I went on a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Before I left for the trip, I called XXXX and made arrangements for the at sea rates. I have some of the text messages of the rate agreement. I have some of the text messages of my concerns of being charged regular rates. I was told that I would not be charged that rate. At the end of the trip, I was charged I repeatedly tried to get it adjusted to the agreed upon rate, to no avail. It has been sold to a collection agency. 
I have been affected in so many ways by this. I was in XXXX XXXX XXXX XXXX XXXX, due to XXXX. Besides XXXX XXXX I have XXXX XXXX as a result. I wrote XXXX as well as the collection agency. It it now on my credit report as a collection. 
I have several letters that have been submitted. I have text messages. I will only upload a sample of what I have sent. Please contact me if you need more.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 


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

I am formally disputing several unauthorized credit inquiries on my credit report. After reviewing my credit file, I noticed inquiries from companies I do not recognize and for which I did not provide authorization. These inquiries appear to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXX U.S.C. XXXX ), which outlines permissible purposes for accessing a consumers credit report. 

According to the FCRA, credit inquiries can only be made under the following conditions : XXXX. A credit transaction initiated by the consumer. 
XXXX. With the consumers explicit written consent. 
XXXX. For account review or legitimate business purposes related to an existing relationship.

FCRA Violations Identified Under the FCRA, the following provisions have been violated in connection with these inquiries : 1. Section 604 ( 15 U.S.C. 1681b ) : Permissible Purposes for Credit Reports Credit inquiries are only permissible under specific circumstances, such as : A transaction initiated by the consumer. 
With the consumers explicit written consent.

For account review of an existing creditor relationship.

These inquiries do not meet any of these criteria and therefore violate this section.

2. Section 607 ( 15 U.S.C. 1681e ) : Accuracy and Protection Credit bureaus are required to ensure that access to consumer credit reports is limited to entities with a legitimate purpose. Allowing unauthorized inquiries indicates a failure to uphold this obligation.

3. Section 609 ( 15 U.S.C. 1681g ) : Right to Disclosure I have the right to know who accessed my credit file and for what purpose. If this information can not be provided, the inquiry is illegitimate and must be removed.

4. Section 611 ( 15 U.S.C. 1681i ) : Dispute Resolution The credit bureaus must investigate my dispute within 30 days, verify the legitimacy of the inquiry, and delete any unverifiable or unauthorized inquiries.

5. Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Civil Liability If these inquiries were willfully or negligently made, creditors and credit bureaus may be held liable for damages, including statutory damages, punitive damages, and attorneys fees.
Product: Checking or savings account

I had a Wells Fargo bank account during the timeframe listed in the settlement agreement however I have not received any communication from Wells Fargo
Product: Credit reporting or other personal consumer reports

Transunion is inaccurately reporting personal information even though I had filed a complaint to remove these inaccurate addresses, names and employers that do not belong to me. This is a direct violation of my consumer rights and the FCRA. I have uploaded a copy of my Driver License for identification/address purposes, SS card and a copy of your inaccurate credit report to this complaint.