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

I open a checking account with Bank of America. I had received an bonus offer via mail. I used the allowed option to open account via an internet portal supplied in said offer. The offered had stated stated I 'd receive a {$150.00} bonus after making two qualifying deposits. The bonus would be applied 60 days after completion of the second deposit. As a regular consumer ... My thoughts were any deposit made that 's alerted by there system to me as direct deposit is considered the acceptable qualifying deposit. If it was n't acceptable the system should n't alerts the consumer that a direct deposit was made. The bank associates I talked to state that I did n't make deposits that 's considered direct deposits. This issue could have easily been avoided if their own system was n't sending out misleading alerts and notifications. I politely waited the 60 days to only find out that I technically did n't meet the requirements. I asked for an extension due to their system error. I 'm definitely not trying to get over that why I 1st asked for an extension. I then asked for an exception to be considered and made since it was their systems error and I would have been able to correct beforehand had I not received misleading alerts. I 've called several times and filed multiple complaints. Complaints not fully reviewed or lost or not even really considered. With the supporting documents it would be nice that Bank of America took some accountability for their misleading notification and alert system.
Product: Payday loan, title loan, or personal loan

I bought 2 tires from XXXX online and used affirm to pay. online XXXX delivered only one tire. Instore XXXX immediately signed two tires out to me. so affirm started the loan. instore  XXXX could not tell me where they were so i disputed the loan. XXXX gave me a written statement that they did not get the tires and maybe they would come soon. I ended up disputing the loan and gave them a copy of the written statement. affirm waited a day or two and said they were denying my dispute because XXXX said i never returned the tires. I asked affirm several times for a copy of the proof I got the tires affirm said they hated it did not turn out like I wanted. I was responsible.
Product: Credit card or prepaid card

I have ask my bank and credit card company to refund my payment that I have made in error. The error was made on XX/XX/XXXX I had to call several times to resolve this i was told it would be wire transfer back to my account and it was not and it is XX/XX/XXXX and I still dont have my money.
Product: Checking or savings account

I am writing to formally file a complaint against Bank of America ( BOA ) regarding the denial of my dispute for fraudulent ATM withdrawals totaling {$4000.00} ( XXXX separate withdrawals of {$2000.00} each ) from my account during the XXXX weekend.

Despite providing all required documentation, including a police report confirming that my debit card, Social Security Number, and ID were stolen and used without my authorization, BOA has unjustly denied my dispute. The bank has not only failed to resolve this matter but has also ignored my repeated requests for reimbursement, causing significant financial hardship. 

Incident Details : Date of Fraudulent Transactions : XXXX weekend ( exact dates : [ insert dates if possible ] ) Amount Stolen : {$4000.00} ( {$2000.00} withdrawn twice from an ATM ) Bank of Americas Response : Despite providing documentation of the theft and the police report, BOA has denied my dispute without justification. They initially promised to credit my account while investigating but have failed to follow through. 
As a result of the bank 's failure to reimburse these funds, I am facing critical financial difficulties. My rent is now overdue, and I am at risk of additional fees, late payments, and damage to my credit. Furthermore, the delay in resolving this issue has placed me in a vulnerable position, impacting my day-to-day living. 

Legal Context : The actions of Bank of America appear to be in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. Part 1005 ), which govern the handling of unauthorized electronic fund transfers. Under these laws, financial institutions are required to investigate disputes within 10 business days and provisionally credit the consumers account within 1 business day if the transaction is found to be unauthorized. BOA 's failure to follow these guidelines is a clear breach of my rights as a consumer.

Request for Immediate Action : I respectfully ask that the CFPB take immediate action on the following : Investigate Bank of Americas handling of my dispute and their failure to comply with federal laws under the EFTA and Regulation E.

Require Bank of America to immediately credit my account with the {$4000.00} in stolen funds, which were taken without my consent.

Ensure BOA follows all consumer protection laws in the handling of unauthorized transactions, including providing timely resolution and proper investigation procedures.

Address any financial harm caused by BOA 's failure to reimburse the stolen funds, including late fees, missed payments, and any damage to my credit history.

Maintain my valued customer status with Bank of America. I have been a loyal customer for [ 1 ] years, and I respectfully request that this issue does not lead to any actions that would jeopardize my standing or access to banking services with BOA.

This matter is of urgent importance, and I respectfully request the CFPBs immediate intervention. The funds taken from my account are critical to my financial well-being, and the banks failure to act has caused significant distress.
Product: Checking or savings account

I opened a case about a transaction on Consumer protection Financial Bureau, the bank takes retaliation and closed my bank account. 

I opened a case in cfpb and the bank has retaliated by opening a case with cfpb closing the checking bank account. 

I opened a claim on a transaction of {$5300.00} the bank has not resolved the case has not sent me a letter. I want the bank to send me a letter about how they proceeded with the claim and what documents the merchant sent them. And to what is the determination. 

Case Number : XXXX Account Number with Banco Popular : XXXX
Product: Mortgage

I have reached out to the business several times via phone and via written correspondence and no one has replied since my letter was sent XX/XX/year>. Still awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, Partial Acct # XXXX, XXXX  XXXX, Partial Acct # XXXX ..., Partial Acct # XXXX ..., XXXX XXXX, Partial Acct # 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.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I called chase bank where I had a checking account to get information of what I needed to deposit my XXXX  fianc XXXX death benefit from his mother. The agent told me I needed his signature my signature and 3 forms of identification. I did that. I deposited the check they gave me money from the check. Chase then restricted my account closed it then told me I needed a POA. I got that now theyre telling me they are going to hold on to the check until he gets released XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year>2019 2019
Product: Credit reporting or other personal consumer reports

15 USC 1611 false in misleading denial of my own credit Last month.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out of any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 

I Sent out notification multiple times last year for opt out and transaction reporting letter notification needs to be addressed as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX credit card with XXXX XXXX on XXXX XXXX, XXXX. The bank ended up submitting XXXX credit inquiries on my Transunion credit report. The dates of the hard inquiries were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am filling this FTC identity Theft Affidavit to report 1 separate Fraudulent account appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of Identity Theft and Fraud. This Fraudulent account consists of personal credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I demand aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. ''
Product: Debt collection

I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The XXXX XXXX main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever  came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with Citibank/Costco visa credit card. 
That is why I writing again on this company XXXX XXXX because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from XXXX XXXX. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what Citibank has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from XXXX XXXX on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. XXXX.
Product: Debt collection

XXXX XXXX XXXX East XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Apple Card/GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Bureau, XXXX XXXX [ XXXX ] I am writing to formally dispute the validity of the debt referenced above. As provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting that you provide validation of this debt, including the following information : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A copy of any documentation that verifies this debt, such as a signed agreement or billing statements. 
Proof that you are authorized to collect this debt on behalf of the creditor. 
Please be advised that under 15 U.S.C. 1692c, you are prohibited from continuing any collection activities until you have provided the requested information. As such, I request that all communications regarding this matter be in writing only, and that you cease any further phone calls or direct contact with me. 

I look forward to receiving the requested validation within the next 30 days. Failure to provide this information may result in your inability to collect this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

For the past several years I have subscribed to Credit Monitoring for XXXX members provided directly by Experian or a direct Experian wholly owned entity. Recently the product underwent changes and the new product is far less useful that previous. I decided to cancel this service. However, Experian makes cancellation -- likely on purpose -- so difficult to accomplish that after several days they are still unable / unwilling to cancel this service upon my demand. I have attempted on multiple occasions to call the number they have given for cancellations and on each and every instance have encountered hold times exceeding XXXX hours. Ultimately I have never been able to reach a representative to cancel. My desire is to cancel this service effective immediately as of XXXX/XXXX/2015. There is no possible scenario under which I would be willing to keep this service. However, Experian refuses to allow me to cancel. 

I should point out that calling Experian from my current XXXX is NOT toll free. I have already wasted over XXXX hours of XXXX charges trying to cancel. I am NOT willing to call again.
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read enough t understand my rights under the FCRA section 605b, and I need you to please comply with the law and remove the disputed fraudulent accounts and information off my Credit File as soons as possible.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Debt collection

I have contacted this company regarding this debt and was never put in touch with a live person. The lady said that someone would call me back and a few minutes later I got a call from a number that I did not know. I dialed the number back and it was a XXXX XXXX number. Totally feel scammed
Product: Credit reporting

I 'm filing this complaint because equifax has ignored my request to provide me with the documents that there company has on file that was used to verify the accounts I disputed. Be that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( a ) of the FCRA- they are required to '' ... promptly delete all information that can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thanks
Product: Debt collection

Please stop trying to collect a debt that was charged off and I received a XXXX and charge off from capital one many years ago
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$1900.00} XXXX XXXX off
Product: Debt collection

I have no knowledge whatsoever of this debt and had no idea it was even against me until I was going through my credit report. I tried disputing with XXXX stating I have no knowledge of this debt and that it does not belong to me, in which it gets rejected and remains on my report. I have never heard of this company nor done any business with them and they refuse to disclose original creditor. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing the following account : XXXXXXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX for months. It still remains and should not be. These two alledged debts have been causing havoc in my personal life. So the reponses I get from these TWO credit bureaus when I disoute it is : Verified and to provide proof. Now as I say this. I pray these bureaus and whoever else actually read. Because I know that what Im sending can not possibly be getting read. First, a CONSUMER ca n't provide proof of anything if it doesnt belong to them. So stop saying that ridiculous tired line. The COMPANY supposed to contact the consumer first then provide proof and verify a debt the consumer is disputing, before even placing on anyone 's credit report BY LAW. Transunion nor XXXX is not verifying these alledged disputes. For it is easier for them to send the same written response WITHOUT a little bit of effort to investigate. Apparently these two bureaus need a new investigation team who actually works. It has also been clear to everyone that the credit bureaus even work with these companies and give them information if they do not have it to properly verify the account. Which is ILLEGAL. It 's so funny how a company have nothing about you and all of a sudden they have it. And these companies specificially told me, that the bureaus gave them date of birth, address and proper names. Wow! Amazing. Talk about breaking the law. So I have contaced my local Attorney general office, state rep and an a attorney. I have no proof to provide showing anything because it 's not mine to begin with. Neither one of these companies have never contacted me before this was placed on my credit report nor have they contacted me or sent any proof after placing these alledged debts on my credit report. I ca n't come to grips with how easy it is for a company to add a alledged debt that is not mine to my credit file. And it 's XXXX for me to get it off. These alledged debts has not been verified at all. There is no tracking info, no trace of any mail coming from these companies according to USPS. Nothing! However this is still on my credit file. Something has to be done with these credit bureaus not doing there job. It 's no possible way. The bureaus need new investigation departments that actual follow the law and work. Its so many consumers daily disputing incorrect debt till the credit bureaus are not doing there job correctly. XXXX  is the only one that I can say is doing a job well done. Neither of these debts are on my XXXX report because the companies did not have proper demographics and never sent proof to verify debt. So it was removed in 30 days. This is the exact reason they are trying to pass a law, not to be able to sue the credit bureaus. Because the credit bureaus are breaking the law daily. But I have signed the petition not to pass this law. Why would we need a law in place if the bureaus are following protocol. Because they are not.