23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Missing XXXX $ credit card sign up bonus after meeting terms ( {$1000.00} Spend  ) Here are the terms : XXXX XXXX XXXXXXXX ThXXXX XXXX  Credit Card lets you earn custom cash back to send, spend, or even to auto-purchase the crypto of your choice from your XXXX account. Syncing seamlessly with the XXXX XXXX its the simplicity, convenience, and fun you know and love only more. 
For a limited time - score a {$200.00} cash back bonus after you spend {$1000.00} in the first 6 months of account opening. * Apply now through XX/XX/XXXX to be eligible for the {$200.00} cash back bonus. Subject to credit approval. See terms below. 

*To qualify for this cash back bonus offer, you must apply for a XXXX  Credit Card account by XXXXXXXX XXXX XXXX on XX/XX/2022, and subsequently be approved. Offer may only be redeemed by the eligible participant, such eligibility to be determined by XXXX  in its sole discretion. Cardholder must make net eligible purchase ( s ) ( minus returns and other adjustments ) of {$1000.00} or more with their XXXX Credit Card within 6 months of account opening in order to qualify for the {$200.00} cash back bonus ( maximum of one cash back bonus may be earned per person ). Cash advances do not qualify towards the net eligible purchases of {$1000.00}. Fulfillment of the cash back bonus via an automatic transfer to the XXXX account will occur no later than 45 days after net eligible purchase qualification threshold is met. Both your XXXX account and the XXXX Credit Card account must remain open, be in good standing, and not become delinquent at the time the cash back bonus is awarded. Once reflected in your XXXX  account, use of the cash back bonus is subject to the terms of your XXXX account. This promotional offer is in addition to and does not replace the Cash Back Rewards program as detailed in the Rewards Program Terms.
Product: Credit reporting or other personal consumer reports

I am tired of old information reappearing on my credit report, ( c ) Treatment of Inaccurate or Unverifiable Information ( a ), ( i ), ( ii ), ( b ) Requirements Relating to Reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( a ), the information may not be reinserted in the file by the consumer reporting agency unless the ( ii ) Notice to consumer of deleted information is reinserted the reporting agency shall notify the consumer in, writing not later than 5 business days after the reinsertion or if authorized by the consumer. ( iii ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. { my statement on file that I want everything to be sent to me in writing & also a victim of Identity Theft, also 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) ( c ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( b ), ( i ), 15 USC 1681 I ( iii ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraphs ( 6 ), ( b ), ( iii ) not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution, 611 15 USC 1681 I ( c ) provide written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion!!! ( b ) Statement of Dispute ( d ), ( e ). XXXX along with the reporting collection agency or Debt collection agency are not Adhering to the law of the Fair Debt Collection Act and the Consumer Laws, Both of these companies have caused me not to obtain credit!!
Product: Checking or savings account

Background : I currently have a credit card debt with Bank of America for a Business credit card call " Buisness Advantage '' Thru the Bank of America mobile application Ive tried to choose for payment plan options, once Ive answered a couple of questions the app provide me to talk to a credit counseling in order to get help to pay the credit card debt that I have with them, -My wife and my self are joint account holders for a Bank of America Checking account called Advantage Plus On XX/XX/XXXX of 2023, my wife went to a Bank of America ATM and using my debit card she deposit the amount of {$1100.00} dlls, this money was to pay some immigration procedures with USCIS and Dept of State . 

The next day ( XX/XX/XXXX of 2023 ) we found out thru the app that Bank of America was Offseting the amount of {$620.00} and transfer this amount to the credit card debt previously mentioned without any previously notice, nor contact and even when Ive try to get payment option plans help. 

By reading some publications my understanding is that banks can have the right to offset when there is a car loan and/or mortgage debt, but not for revolving accounts like credit card debt, and not from joint account since my wife is not a joint debtor in this circumstances, Tried to contact Bank of America Customer service and the only way to get an answer was thru the Bank of America XXXX XXXX by chatting with an agent and the only this she told me is that they offset the money in our checking account because I owe them money on the business credit card, and that was it.
Product: Money transfer, virtual currency, or money service

my paypal account is permanently limitted the paypal campany sent me below message .... '' After a review, we decided to permanently limit your account as we found potential risk associated with it. 

As a result, we can no longer offer PayPal services to you. 

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. 

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, we'll email you with information on how to access your funds '' so how can i resolve it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tells me capital one is the one updated my account to a derogatory account then capital one tells me they sent the up update to the credit bureaus. My account is not suppose to have any derogatory on it due to fraud. This in reference to my Walmart/capital one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : 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 am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  XXXX Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between Transunion and XXXX and XXXX last active date is missing. Date of last payment is missing for XXXX and XXXX but is being reported for Transunion. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

I added the mother   of my son  to my credit card as an authorized user so that she could call the utility companies and make monthly payments. She moved out of the home that we shared and I removed her as an authorize user. She stole my card and ended up using the card and made purchases that I did not authorize such as airfare tickets for herself and another person. I disputed the charges but Chase would not help because her name was previously on the card.
Product: Debt collection

On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX  talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.
Product: Money transfer, virtual currency, or money service

Error transaction-unknown charge withdraws ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CONSUMER PORTFOLIO S Inquiry : XXXX XXXX, 2020 double times with same dates. 

XXXX Inquiry : XXXX. XXXX, 2020
Product: Credit reporting or other personal consumer reports

sent letter to company XX/XX/2024 about a collection account that i had no knowledge about and they have yet to send me any response in regards to this matter. it was mailed over to them and they have received
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a 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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Received a letter in the mail on XX/XX/XXXX stating I repay a debt to XXXX in the amount of {$1700.00}. I have never opened an account with XXXX  and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.
Product: Debt collection

I have a payment due on the credit card Discover is trying to contact me about, and started calling me XX/XX/year>. I have gotten 18 missed calls from them since XX/XX/year>. That exceeds the amount they are supposed to call, and I would consider it harassment. They have called me almost every day since the first of the month.
Product: Debt collection

I have received phone calls from Diversified Adjustment Services on numerous occasions, each time I have told them that they need to take my phone number off of their list and to never call it again. Once I start to make the said request the representative immediately disconnects the call. I have tried to call and talk to a manager regarding the issue, and all I get is a voicemail and no callback. I have tried to contact the corporate office, and once again all that happens is they transfer me to the exact same voicemail box. 

This company is not only in clear violation of the FDCPA, but they are also violating the national do not call registry. On top of that, they are using an autodialer system to call a cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments you are in violation of this section.
Product: Debt collection

I have written to Cavalry Portfolio Services LLC on three separate occasions asking them to verify the debt account they have purchased from XXXX. In all three cases they have failed to respond.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX settled my account with XXXX and they updated my balance but refuse to fix my payment history and refuse to even put on my credit report were settled they did the same for the balance I settled on XX/XX/XXXX as well. Contacted true accord which told me XXXX was in charge with credit reporting and than I called XXXX  and they said XXXX was I disputed it multiple time and provided proof which they ignored.
Product: Credit reporting or other personal consumer reports

This company is wrought with shady business practices. I do not have a collections report but one was made in my name. My identity was stolen and used to purchase {$100.00} of something I dont understand. I never made this purchase to a small company in XXXX, TX. I have not lived there in over 4 years yet this went on my credit report on XX/XX/2023. My debit and credit cards are fine though I am not sure why this has been the only thing bought under my name. IC system has been trying to get me to pay them {$110.00} I do not owe them. I refuse to pay and my credit score is suffering horribly. I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus reporting the account as failed to pay. 

Ive included a copy of the Experian credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

Experian previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, XXXX
Product: Checking or savings account

Attempted to withdraw money from my account and was refused any of my available funds due to a checking account issue totaling XXXX dollars
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX