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

On XX/XX/2020 I called into Equifax to acquire documents that Equifax should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by Equifax supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the Equifax agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, XXXX ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report
Product: Credit reporting or other personal consumer reports

XX/XX/year>. I sent lvnv resurgent a certified letter telling them that the amount was wrong account is immaculately reported bal wrong and total history was incorrect. I wanted a purchase agreement bill of sale from the trust company from XXXX to lvnv that dong have it and dont have any agreement between me and lvnv resurgent no contract exist therefore it must be deleted they are violating the fcra by selling my personal information to others without my consent some contained personal identify me consent was given to sell my info I also asked for legal proof of how they verified it was accurate. Using 15 usc 1681 i a. 6. B. (. Iii. They wont. They are running a fraudulent scam under fdcp. And fcra. They violate peoples lifes Account number. Account ending in XXXX
Product: Mortgage

On numerous occasions, I have made principal payments on my HELOC with BMO Bank under account number XXXX and the lender credits it 2 or 3 days later charging me interest all the while having been paid. This dishonest tactic by the lender if making them potentially millions of dollars in ill gotten profits due to their dishonesty. 

I have tried to contact them on numerous occasions. Their system is set up through XXXX XXXX as the servicing agent for the lender and is next to impossible to get through. The system is designed to frustrate a customer and exhaust them into giving up. Reps who answer the phone after lengthy hold times, inundate a customer with endless " verification questions '' and some of the questions are trick questions like " when was this loan set up '' or " what is the current interest rate on the HELOC '' in a market where rates can change daily and answering these questions incorrectly will block the customer from being able to access their account. On multiple occasions, they have asked at least 5 or 6 trick questions desgned to exhaust the customer with the ultimate goal of not addressing my concerns about their dishonest and illegal interest calculations. Please step in and get them to follow the law and stop this abuse.
Product: Debt collection

CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by CAPITAL ONE. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX closed account. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. XXXX Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Product: Credit card or prepaid card

I just have a simple complaint about the business overall. My credit card was issued through XXXX XXXX XXXX, and is managed by TD bank. It is no longer an active card, as XXXX has changed its banking since then, or some such thing. My complaint is -- I ca n't reach a person. Their round and round automation can make a person unpeel. I ca n't remember the dates in the past, but I have tried to call them twice about issues I had when trying to make a payment. On XXXX XXXX, 2017 I called to discuss my bill with someone. Nope. I am current on payments, but I wanted to discuss my next payment. Obviously the banks are on to the blanket advice from financial advisors to " talk to the company, they 'll deal with you '' It 's time for consumers to stop putting up with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you and I am expecting an immediate action
Product: Credit card or prepaid card

Barclays Bank XXXX and XXXX XXXX collaborated against the facts, then destroyed my credit reputation which brought numerous consequences and scammed me {$120.00}. 

On XXXX we called XXXX to contain cockroaches in the kitchen. After we saw an advertisement with {$50.00} discount, guaranteed protection ( tXXXX  promise ) and no-contract ( no commitment ) at all. 

Which means if our pest problem is not resolved on first service we have an entire 3 months with no extra charge to have our concerns addressed. Also each time we are due for a service we get to decide whether to withdraw or continue to with the service. XXXX There were 2 other members of family besides me listening our conversation with XXXX sales personnel. ) His exact words were NO CONTRACTS, QUIT ANYTIME and for the payment ; the sales personnel words were ; WE ONLY PLACE CHARGES AFTER YOU WISH TO CONTINUE THE SERVICE AND AFTER WE RENDER SERVICE. he also offered us a free exterior service and free termite inspection but None of the offers were rendered. 

On XXXX XXXX sprayed chemical to abolish cockroaches ( PRIMARY CONCERN ). After a week the cockroaches in the kitchen were twice as bad. we contacted XXXX they visited us on XX/XX/XXXX. But theyve done nothing instead they looked at the problem and tried to sale a different service not related to our concerns ( TERMITE ). We told them fix this first then well consider it. Until XXXX we kept waiting, XXXX was nowhere near. I was thinking about forgiving the {$120.00} and continue a happy life. But on XXXX XXXX XXXX placed a charge of {$110.00} without my authorization also 6 days prior to our due date. Before addressing my concerns. Before fulfilling their promise. I called customer service and told them I have not recognized this charges so refund my money immediately. But I was laughed at and treated like a fool. They told me to wait a call from the XXXX but that never happened. After waiting a week or so I contacted my credit card issuer BARCLAYS BANK XXXX and disputed all transactions from the merchant ( XXXX XXXX XXXX. Also replaced my credit card with a new credit card number. On XXXX BARCLAYS BANK XXXX closed the dispute in favor of the merchant ( XXXX XXXX XXXX after the bank received a copy of RECEIPT from the merchant. Which I have never received from the merchant or have no idea about. 

In XX/XX/XXXX I opened a credit account with BARCLAYS BANK XXXX and a {$0.00} liability protection against unauthorized transactions was included. I closed the account on XX/XX/XXXX because of BARCLAYS BANK XXXX failure to fulfill on their promise. 
Afterwards BARCLAYS BANK XXXX continued to report BALANCES, LATE PAYMENT ... etc for more than 7 months on a closed account which ruined my financial health in many ways. And also violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

I have identified the following to be the consequences of BARCLAYS BANK XXXX inaccurate reporting : - 1- increased auto loan rates 2-decreased fico score by more than XXXX points 3-credit card APR increase 4-credit card term amendment 5-auto insurance increase All of these have been documented ( attached )
Product: Checking or savings account

I had a business checking account with JP Morgan Chase in the name of XXXX XXXX. 

JP Morgan Chase closed my business checking account # XXXX on XX/XX/year>. They did sent me a notification on XX/XX/XXXX that I couldn't access due to travel. 
They sent me a cashiers cheque after closing the account. 
I have been overseas and not in a position to deposit cashiers cheque or collect my bank account statements. 
They did not gave me an option to make deposits in overseas locations. 
I have to make travel arrangements to XXXX on my personal expenses to make deposit and also collect my account statements. 
I also had to contact my customers and mortgage company to make all the transactions related changes. 
It has been a painful experience when my account has been in good standing. 
They couldn't tell me the reason for closing my account and have been non helpful in addressing this situation.
Product: Checking or savings account

I found an unauthorized charge from XXXX on my Bank of America account. I didn't give XXXX my card information and I couldn't think of how they could have gotten it for sure. Bank of America issued a brand new debit card in XX/XX/year>. 
After I got the card I found a new charge from XXXX and I couldn't understand how XXXX got my card number. XXXX ultimately told me that they just told Bank of America that my card number expired and thats how they got the new card number. XXXX issued a refund and closed the account. 
I just now looked over my checking account and discovered that XXXX has again billed me for an account that they said was cancelled. All this because Bank of America is giving out my debit card number. Like the XXXX charge, XXXX is billing even after I cancelled the account because Bank of America is giving them my debit card number.
Product: Credit card

I have a target red card credit card. I owe {$30.00} on the card. It was not aware of my pay date. My account went 30 days late I'm not denying it I have 100 % pay credit rating with target. It just slipped my mind but I never once get a email statement or a paper statement I gets pictures of all the mail that comes to my home I called the post office to see if they can track the mail but they said if they don't have a tracking number on it the mail couldn't be track but that's neither here nor there I haven't been receiving statements from target nor email and I have screenshots to prove it I asked them what could I do to prove to them that I haven't received anything they stated nothing that they had to report accurately and that was 30 days late which I don't deny but had I had notification that a bill was due I would have paid it
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 my 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/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards an
d 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.

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!
Product: Credit reporting or other personal consumer reports

I also respectfully request the Barclays US provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws Also, the account was closed due to XXXX no longer using them as a credit card company to XXXX XXXX, the company also is not allowing to access my account online or info about the account because I do not have an active card with them to provide the account number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to have a dispute submitted in regards to being a victim of Identity theft. However, Transunion has constantly been non responsive to my efforts which is a direct violation of the fair credit reporting act, sect. 605b. I have been gravely displaced by this non action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been on my XXXX credit report since X/2007. I am asking XXXX to remove the account as it is to old to be reporting on my credit report.I have no payment history as I have never paid on this account. This account is approximately 10 years old.
Product: Student loan

I have two issues with Navient : I called requesting that all monies paid for my loans that are subject to forbearance under the CARES act be returned. The representatives gave me a difficult time, although I see several Direct loans owed by the US Department of Education in my account statement. 

I, also wanted to exercise the forbearance opportunity under the CARES Act. I understood them to say that my loans were under them, and the forbearance that I had in the past was through Navient not by way of the CARES Act.
Product: Debt collection

I received a credit update from XXXX XXXX stating I have a collection from " XXXX CASHCENTRAL XXXX '' I have NEVER done business with this company and do not owe them any money. I want this collection deleted from my credit file IMMEDIATELY and never reported again. I did not receive any written communication prior to this showing on my credit report. This is against the law. Remove from all three credit reporting agencies : XXXX, XXXX and XXXX.
Product: Debt collection

On XX/XX/22, I purchased a washer and dryer set from Costco. I made the purchase online using my credit card. I am attaching the purchase for reference. 

On XX/XX/22, I went to Costco to make a purchase and was told that there was a hold on my account. After a lengthy discussion with managers I was told that there was an issue with payment on my previous purchase. I was told that they had already sent this order to collections. I informed Costco that I had received no notification on this so this was all news to me. I then spoke to the Store manager of the XXXX, KY Costco ( XXXX XXXX ). I emailed XXXX at XXXX the copy of my receipt. 

I've asked numerous times over email for someone from Costco to call me and have not received a call.
Product: Credit card

I got an Citi Credit card offer ( Thank You Preferred Card ) in the email from Citi. It promised me that if I spend {$1500.00} in the first 3 months then they will post XXXX bonus points along with {$100.00} gift card. ( XXXX points on dining ). 

I applied for the card ... .got approved ( ending with x XXXX ) but when I spent the money the customer service starting giving me lame excuses. 

They did not give me bonus points and the {$100.00} gift card. They asked me to fax the offer to verify. When I faxed them they said they do n't want to offer me the bonus with gift card. 

This is fraud and false marketing.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts mentioned above have 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.

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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received my US Bank ReliaCard issued for XXXX  through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX   CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. 

On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. 

Therefore, I have money from XXXX   because I XXXX  my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the situation.
Product: Mortgage

For context, we live in the mountains, and our season for renovations is very short because of snow. I started the HELOC process with KeyBank in XX/XX/2022 & am writing this XX/XX/2022 - a process that has now cost my family nearly 2.5 months wasted. 

Our first red flag was when we were informed that the appraisal on our home would be a XXXX review AFTER our application & credit score were pulled. Our loan officer XXXX XXXX & banker XXXX XXXX assured us that we had nothing to worry about & that this would be more convenient for us given our first lien amount and what we needed the house to appraise for to qualify for the needed HELOC for our renovations. 

Our house is a fully remodeled XXXX bedroom XXXX bath house - XXXX on XXXX acres of land. The average sale price in our neighborhood for our size home is XXXX- we provided a list of comps from our realtor all of which displayed this very clearly. After nearly 2 weeks of waiting, the appraisal for our home came in at a shocking XXXX. After a series of roundabout conversations, all of which were very confusing- we finally discovered that the comps used on our home by the appraisal company were a XXXX XXXX home and a XXXX XXXX sqft home both on smaller lots- which sold for around XXXX and were not updated. 

After asking KeyBank to review the appraisal and ask for an appeal, we were told that the appraisal company would not budge and we were out of luck. 

So here we are, 2.5 months later - contractors lined up - unable to make our dream renovations because we're at the mercy of a very shady relationship between KeyBank and their appraisal company. Our hands are tied, and we feel stuck & unable to reapply to other lenders for fear that our credit score will be negatively impacted. 

We are confused & frustrated and would never recommend anyone to give KeyBank their business.
Product: Debt collection

The company has been emailing and calling me constantly. The dates of emails are as follows XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. After the first email on XX/XX/XXXX, I emailed them back to tell them to discontinue all contact. They emailed me again that day, not with any acknowledgement of that legal and explicit written request, but with yet another collection email. They have an " unsubscribe '' button on their emails that doesn't do anything except reach an error message on their site. They have called me 8 times since XX/XX/XXXX, with the caller leaving a voicemail almost every time, identifying themselves as " XXXX. '' They have yet to acknowledge or honor my request for no further contact to date.