23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

Barclays collection firm, XXXX XXXX  XXXX : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with Barclays and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from Barclays. This notification from the collection agency, XXXX XXXX XXXX is the first I've heard about it. In XX/XX/2023, I returned XXXX XXXX XXXX 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.
Product: Credit card or prepaid card

Yes have a XXXX card. I use all time. I had original XXXX limit. Yet i was on time and doing all i can. I had the card awhile. Yet i ask for up in credit limit. I was denied which is ok. What really gets me is the lower my limit by XXXX. Now only have {$100.00}. Which is totally unfair. How can one do that when they already approved you and your account was current. This totally unfair and bias. I told them and didn't care. Even talk to them how i know someone worst off then me and you denied him also for increase but never lower the limit that he had. They didn't care. Weren't helpful. Not good customer service.
Product: Student loan

I was a part of the XXXXXXXX XXXX XXXXXXXX case. I received a lump sum credit of {$77000.00} yet I still owe {$77000.00}. I have asked for a detailed account of how the credit was applied and was told they could not provide that. 

Also from XXXX I would receive a email stating if I wanted my account to go into forbearance as I was having a finically difficult time making payments. I was never offered any other option than that. Or a {$39000.00} loan is over {$70000.00}??? Why? Navient cant more like wont explain why no other options we provided to me. 

I also still have a borrowers defense case pending and they are calling me 4-8 times a day asking for payment. I have had late fees owed supposedly for over 3 years. Was that from the loans that are discharged??? Id so why do I have a late fee? 

I get absolutely no help from customer service as they always tell me to contact department of education. Can you help??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX XXXX ) is reporting on my XXXX  and transunion incorrectly. I have tried working with XXXX and Transunion over and over and have also sent several letters. The payments status is incorrect and the remarks are not correct. This is not a collection or charge off. I have never had a loan with this company please get this resolved asap. I want the payment status and remarks corrected. This should not be reporting as derogatory account.
Product: Checking or savings account

I called Bank of America to have them place a temporary hold on my account so a creditor could not debit money from my bank account. First I talked with XXXX ( XXXX ) who transferred me to the Fraud Department. I spoke with XXXX, who said that BoA does not do temporary holds. I explained to her that XXXX does it ( I know other banks also do this ). She said she worked at BoA and knows a lot about its procedures. She said she can place a " balance hold '' on the account so any attempt to debit the account would result in an XXXX. I told her I don't want to be charged a XXXX  fee by the creditor and the bank, she was not empathetic or understanding. So I asked for a supervisor and she placed me on hold for longer than 5 minutes, so I hung up.
Product: Mortgage

Due to Financial and XXXX XXXX, on XX/XX/XXXX, I submitted application for modification and it was approved. Trial modification for three months, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
After complying with Trial Mod. I called Wells Fargo Home Mortgage, requesting documents for Permanent Modification, was advised I will receive docs. in 15 days.XXXX XXXX, XXXX, spoke with XXXX at Wells Fargo, 31 minutes she kept me on hold, going back and forth asking my inquiries to her XXXX, her conclusion advised it would take 45 days to receive Modification Documents due to load of work. 
Month of XX/XX/XXXX, she advised to pay less amount of loan due to a credit on my account. 
XXXX XXXX, wrote letter also called WF concerns of not having new mod statements and they have not paid my Homeowners Insurance that due XX/XX/XXXX. My modification is up in the air. Im very concerned after Wells Fargo XXXX, had me on foreclosure due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claims verification of an item on my credit report. I sent letter on XX/XX/19 requesting they provide documentation associated with the account, bearing my signature. I also requested name, address and phone number of each person who personally verified the account. I do not agree to XXXX or any means of automated verification. I am requesting description of procedure to determine accuracy in compliance with The Fair Credit Reporting Act. Also, states item was reported by US Bankruptcy court. The US Bankruptcy court does not report to credit bureaus. I formally request that this information be immediately deleted form the file you maintain under my social security number. I have not received an answer to date of filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Bank of America Card. Paid off and date closed on the account XX/XX/XXXX. 
The updated date of XX/XX/XXXX shows that is is a revolving account, when the account has been paid and closed in XX/XX/XXXX. 

It has greatly impacted my credit score. 
XXXX account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Product: Credit card or prepaid card

I made a purchase for {$260.00} on XX/XX/2020. It was completed XX/XX/2020 according to the vendor. He received payment and shipped the product. I placed another order for a different product, with a different vendor, and seen that my previous purchase made on XX/XX/2020 go from {$260.00} to {$290.00}. I called the vendor and he said it was not him. So I called BlueBird Prepaid Card by American Express and the rep said that it was the vendor. When I told him that I already called the vendor he then said that it was a 24 % pre-order fee from the vendor. when I questioned him again with the same facts he said that it was a error that American Express was trying to correct. So I asked him when would this problem be corrected and why wasn't I notified? He now stated it was the vendors ' fault, and he said he did not have anymore answers. I requested to speak to a supervisor. When they came on the phone they only ID them self as supervisor. I ask him or her the same question and they said it was the vendor request. When I repeated that the vendor did not request his they just refuse to answer why they took {$39.00} and they started acting like they could not hear me. So, without notice or warning American Express is taking 24 % on every purchase and is not giving when or why they have don't this and my purchases from to were cancelled for insufficient funds.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text from a Bank of America-generated number that told me to confirm or deny a XXXX transfer of {$3500.00}. I responded " NO ''. As soon as I responded, the Bank of America customer service phone number ( XXXX ) called me so I answered. I was prompted by, who I thought, was a Bank of America associate telling me that in order to reverse this transaction of {$3500.00} I had to manually transfer the {$3500.00} back to my account using my phone number. So I followed his instructions and did two separate transactions of {$1500.00} and {$2000.00} ( since I didn't have {$3500.00} total in either my checking account or savings account ). After transferring the money, I waited for the next instruction and was abruptly hung up on. I quickly realized this was not right and called the Bank of America customer service number to speak to a real associate. After being on hold for around 2 hours, I was told I did the right thing by calling right away. The associate continued to open two claims for the two transactions. After speaking with him, he told me that all I could do was wait and would probably hear back around the 10th business day. 13 days later, on XX/XX/XXXX, I received an email saying that my {$1500.00} claim was denied and that I would not be credited. I received no update about the {$2000.00} claim but can assume that would also be denied. So basically after waiting for 13 days, I only received an update on one of my claims and I was told I was not getting my money back. After meeting with a Bank of America representative at a local branch, she told me that I should file a police report so I have documentation of what happened. She also explained to me that it is difficult to get the money refunded because I made the transfer myself. I reiterated multiple times that I was scammed into transferring the {$3500.00} dollars. I called Bank of America yet again to tell them that I want the analyst to look at my claims again and after waiting an hour, the associate seemed confused with my situation after I explained it to numerous associates. The letter I received via email explaining why my claim of {$1500.00} was denied did not make sense and actually told me to try and contact the person I sent the money to ( which how is that possible when I got scammed from the Bank of American number ). They also proved a number I could call to ask for all documentation that the analyst included in their decision to approve or deny my claim. However, when I called that number I was told I need a subpoena from a lawyer in order to get access to these documents. As of right now, I filed a police report and completed an IC3 complaint form as well. However, all Bank of America has done is tell me a million different things and that I simply need to wait.
Product: Credit card

In XXXX I received in my credit report that I have a late payment with this kikoff account which for more than 1 year I have never had any delay nor have I been notified that I had any pending payment so I kindly request that this late payment be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I mailed a letters on XX/XX/2022. Here is my tracking : XXXX XXXX, XXXX XXXX, TransUnion - XXXX, To delete personal information from my credit report that I did not want. My federally protected consumer rights have been obviously violated, according to the Fair Credit Reporting Act sections : [ 15 U.S.C. 1681 ] ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

[ 15 U.S. CODE 6802 ] a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information [ 15 U.S.C. 1681s-2 ] reporting information with actual knowledge of errors. 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: Debt collection

Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
Product: Credit reporting or other personal consumer reports

During XXXX in 2020 my payments were put on deferment to be added to the end of the loan but the company did not honor the agreement and wanted the back payments all at once. I was able to bring the account current paying the amount that was requested but the company made a error on the amount of XXXX payment so while I continued to make my payments on time for XXXX plus years it was off due to there error on calculating my payments. I since made the extra payment even though it was there error but they kept reporting late? I requested to have it fixed and deleted from my report but nothing has happened. It's been over a year and it's still reported on my report I would like it deleted immediately
Product: Debt collection

Kingston Data and Credit International Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Tel XXXX Fax XXXX www.kdcii.com Please be advised that your overdue account with XXXX XXXX ( XXXX XXXX TX ) has been placed with our company for collections. This is an attempt to collect a debt and any information obtained will be used for that purpose. We request that you call us upon receipt of this letter toll free at XXXX to speak with our office and make payment arrangements, or pay online at www.kdcii.com/payments. 

We are a debt collection company. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any potion thereof, this office will obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing, within 30 days from receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

Failure to pay this account or contact us within 30 days after receiving this letter will result in further collection activity. 

If you would like information by SMS text message, text CONTACT to XXXX and we will communicate with you by SMS text message. 

" This communication is from Kingston Data & Credit International Inc., a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Regards, XXXX XXXX - Receivables Manager Direct Line : XXXX Email : XXXX ( XXXX ) Pay By Debit/Credit Card : Call XXXX or go to www.kdcii.com/payments/ Pay By Mail : Kingston Data & Credit International, XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Please call XXXX to report your payment. 


Re : Creditor -- XXXX XXXX ( XXXX XXXX TX ) -- {$1000.00} Date of Debt XX/XX/2018 Current Balance -- {$1000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I received notification from Credit Karma that my password was changed on a Friday evening while out of town. When seeing this message Saturday morning, I responded as directed in the notification to XXXX. 

the message bounced.

I called Credit Karma after difficult search to find a support number. After confirming ID info and speaking with support party, I was promised a return call from Fraud department, but had to call back two more times. Last support person told me my account was closed.

After reporting the errant password hack, I still received three XXXX XXXX  messages in 24 hours, and upon being told my account no longer existed, I click on the marketing message link and was taken directly into my account without a password.

I repeatedly asked to be connected to higher level service, as no one would help me correct password, and my pointing out that the hacking party changed my phone number led to no response whatsoever.

Latest call promises me -- - again -- - that I will be called by case manager, but wanted to raise my concerns here about lax security, backdoor access to information, and non-responsive, non-concerned attitude of the " customer support '' parties sitting in a crowded room making them nearly inaudible.

I am concerned my personal credit and identification is very vulnerable with them and they are totally unconcerned. 

XXXX XXXX XXXX
Product: Credit card

I received a letter from Chase stating that an application for a new credit card was delayed due to accuracy of the information. However I did not apply for a new card. I called Chase and they were able to mark the instance as fraud, close the application, and will be setting alerts for any future inquiries with my name.