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

Went to Bank of America XXXX XXXX XXXX, at XXXX XXXX in XXXX XXXX to access safety deposit box XX/XX/XXXX. Branch was Closed despite regular banking hours. Sign said closed due circumstances beyond their control so I emailed branch to set up access. Then drove to another branch in XXXX on XXXX XXXX XXXX XX/XX/XXXX to ask why my branch was closed and asked about arranging access to deposit box. They could not do either and told me their branch is affiliated with XXXX and not in the XXXX jurisdiction. 
After XXXX hours and no contact, I emailed again XX/XX/XXXX. BOA branch on XXXX XXXX XXXX called and left a voicemail message so I called right back and could not connect with them all bankers busy helping other clients. I tried again XXXX minutes later, got connected and was told someone would call me in XXXX minutes. 

Prior to this, access to the XXXX XXXX branch was disrupted and closed due to XXXX then a renovation but was fully functional beginning XX/XX/XXXX. Throughout these XXXX  months access the safety deposit box was by appointment only At that time BOA permanently closed the next closest branches snd had failed to notify clients of any of the closures along the way.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$2300.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. 
I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on my credit report to equifax, XXXX  and XXXX XXXX in regards to unauthorized inquiries. I have been contacting each of the companies since XX/XX/2019 to no resolve. I received letters staying that my request are frivolous. 
This is causing me and my family great hardship in the current crisis. I am a XXXX veteran trying to use my VA benefits to obtain a mortgage. With all the inquiries on my reports, makes it impossible to get an approval with a great rate and less money towards upfront fees.
Product: Checking or savings account

SO I WAS INFORMED BY A CHASE BANK CUSTOMER SERVICE REP, THAT THEY WILL BE CLOSING ALL MY ACCOUNTS. THE REP PUT IN THE SYSTEM SAYING THAT I SAID WE ARE RUNNING PEOPLE CHECKS WITHOUT THERE PERMISSION. WHICH I NEVER SAID ANYTHING CLOSE TO THAT. AND WE ARE NOT DOING ANYTHING LIKE THAT AT ALL. THIS IS COMPLETELY FALSE, I EVEN EXPLAIN TO THE REP THAT WE HAVE ALL OUR CLIENTS SIGN A LEGALLY BINDING CONTRACT TO PROTECT US FROM THINGS LIKE THIS. I DONT KNOW WHAT SHE PUT IN THE SYSTEM BUT THEN SHE TRANSFERRED TO SOMEONE WHO I COULD NOT UNDERSTAND, DUE TO A STRONG ACCENT. SHE JUST SAID WE HAVE TO CLOSE YOUR ACCOUNT AND WE CANT TELL YOU WHY. THEN SHE HUNG UP ON ME. LATELY WE HAVE BEEN HAVING PROBLEMS WITH SOME OF OUR CLIENTS PAYING WHAT THEY OWE FOR SERVICES RENDERED. DUE TO THE CORONAVIRUS SPREAD OUR COMPANY HAS BEEN STRUGGLING WAY MORE THEN USUAL, BUSINESS HAS NOT BEEN THE SAME AND WE HAVE BEEN RECEIVING MORE BOUNCED CHECKS LATELY. NOT A WHOLE LOT BUT WE HAVE BEEN WORKING ON FIXING THE PROBLEM. BUT BECAUSE OF THE PANDEMIC PEOPLE ARE PANICKING. THIS IS NOT OUR FAULT THAT PEOPLE ARE NOT ABLE TO PAY DURING THE PANDEMIC AND ITS NOT OUR FAULT IF CHECKS BOUNCE. THIS IS THE NATURE OF BUSINESS AND CHASE SHOULD EXCEPT THE FACT THAT THINGS ARE NOT GOING TO BE NORMAL FOR A WHILE. CHASE SHOULD BE MORE UNDERSTANDING TO WHAT IS GOING ON RIGHT NOW. WE HAVE LEGALLY BINDING CONTRACTS SIGNED BY OUR CLIENTS AND THEY ARE FULLY AWARE OF THE PROCEDURES WHEN VIOLATING THEIR CONTRACT AGREEMENT. I CAN PROVIDE PROOF. THIS HAS ONLY BEEN HAPPENING FOR THE LAST TWO MONTHS. CHASE SHOULD BE WILLING TO WORK WITH US ON GETTING THIS ISSUE FIXED, RATHER THEN CLOSING MY ACCOUNTS SO FAST WITH NO VALID REASONS. WE CAN NOT RISK GOING OUT AND GETTING SICK TO OPEN A NEW CHECKING ACCOUNT SOMEWHERE ELSE. PLUS WE HAVE NOT BEEN ABLE TO RECEIVE ASSISTANCE FROM THE SBA, WE ARE STILL WAITING. WE HAVE BEEN TRYING TO STAY A FLOAT. THIS IS NOT FAIR THAT THEY CAN GET AWAY WITH THIS. ALSO, THEY HAVE HELD ALL OF OUR FUNDS IN THE ACCOUNTS SO WE ARE NOT ABLE TO PAY OUR EMPLOYERS OR PAY OUR BILLS. I HAVE ASK FOR THEM NOT TO SHUT OUR ACCOUNT DOWN OR HOLD OUR FUNDS. THERE IS NO REASON FOR THEM TO DO THIS. THE REP ON THE PHONE PUT IN INCORRECT INFO AND NOW WE ARE SUFFERING FOR IT. WE WILL FOR SURE NOW GO OUT OF BUSINESS IF THEY DON'T GIVE BACK OUR MONEY SOON. THEY ARE MESSING WITH PEOPLE LIVELY HOOD. I WOULD LIKE TO RESOLVE THIS WITHOUT THE ACCOUNTS CLOSING. PLEASE HELP US TO GET THIS RESOLVED SO WE CAN GO BACK TO BUSINESS. THEY SHOULDN'T BE ABLE TO GET AWAY WITH THIS. PLEASE HELP.CHASE BUSINESS CHECKING ACCOUNT # XXXX AND XXXX
Product: Debt collection

Credit Control , LLC sent a letter by mail in attempt to collect a alleged debt associated with account number ending in XXXX with out any documented evidence.
Product: Mortgage

Because of economic reasons -- we have a lawn business that was hit hard when the housing crisis hit and folks were cutting back on services. As a result, we got behind on our payment. I have been trying for months to get a loan modification so we can get back on track and keep our home. Yet at every turn, Caliber Home Loans seems determined to take my house away. First they told me they would n't modify the loan because I could afford the monthly payments. Yeah. That 's what I was trying to get across to them. If they would just reinstate the loan, we could maintain the monthly payments. I also asked for a reduction in the interest rate of 7.999 % that we 've been paying since 2007, but no go. 
They set me up on a repayment plan that made the monthly payment more than our monthly income so I applied for another loan modification. With the sale date of XXXX XXXX approaching, I called on Monday, XXXX XXXX to check on the status. The Point of Contact called that department and they said to call back on Friday and they would hopefully tell me some good news. So I called on Friday and was told that because the loan modification request had been submitted within 2 weeks of the sale date, it was too late and gave me a month extension on the sale date. They could n't have told me this on Monday when I talked to them? Total deceit. They also neglected to tell me I needed to resubmit the loan modification and I have been waiting all this month to hear if they approved it when they have n't even been considering it.
Product: Checking or savings account

On XX/XX/XXXX I mailed a payment in the form of a check to XXXX  XXXX for {$120.00} in the mailbox in front of the XXXX XXXX Illinois XXXX XXXX. The Mailbox was broken into and my check was stolen, altered and cashed for the amount of {$8900.00}. When I noticed this was taken out of my checking account I contacted XXXX XXXX BMO Harris bank and then proceeded to fill out a report with the XXXX XXXX Police Department. We went to BMO Harris bank to fill out the paperwork for the fraud process. For the past 6 months we have been contacting BMO Harris with no answers on our case. We have been told we may not ever get out money back. They said that they have to get the money back from the bank that cashed the check and if they had to pay everyone involed in this mailbox breakin that BMO would be out of alot of money. We ask details as to where and who cashed an altered our check and they will not tell us. We ask to have people call us back and no one does. We go into the bank and they just say its in process. 

Below i am attaching documents that include the Police report Number, the affidavit to the bank, The forged Check, a copy of my check book balance for the check i wrote to XXXX  XXXX and a email from BMO saying that they are at mercy of the other bank.
Product: Consumer Loan

Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Product: Debt collection

Transworld Systems, Incorporated contacted this consumer, XXXX XXXX XXXX, on our about XXXX XXXX, 2017, in an attempt to collect an alleged debt. The communication was received without the prior consent given directly to the debt collector as defined in 15 USC 1692 c.
On the communication is the consumer 's name and an account number. Within consumer law, as defined in 15 USC 1693a ( 2 ), an account means an asset. For apparent purposes of misrepresentation, the debt collector - as clearly stated on the communication - is holding an account belonging to a consumer. This is misrepresentation ( 15 USC 1692 e ) as a financial institution is defined in 15 USC 1693a ( 9 ) as any other person who, directly, or indirectly holds an account belonging to a consumer. Threats to the reputation are also stated in the communication per 15 USC 1692d 1. Assets are being held for the consumer while attempting to collect an alleged debt from the consumer. XXXX XXXX XXXX, consumer ( 15 USC 1692a ( 3 ) ), is seeking actual damages in the amount of {$25000.00} USD pursuant to 15 USC 1692 k A 1.
Product: Debt collection

CALLING MY DADS CELL PHONE AND WILL NOT STOP COLLECTING ON  XXXX , THIS DEBT WAS PAID BY   XXXX   IN A OUT OF COURT SETTLEMENT.
Product: Credit reporting or other personal consumer reports

RE : : CFPB Case XXXX XXXXXXXX I spoke with the United States Bankruptcy Court District of Utah Court XXXX XXXX XXXX United States CourtHouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX court clerk XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> and verified this is incorrect delete this ASAP! 

I have been telling you this since XXXX. I do not recognize the following inaccurate info. 
Bankruptcy Records XXXX XXXX The bankruptcy status is inaccurate. 
Bankruptcy Filing Number- This is incorrect delete this ASAP Bankruptcy Court Details- This is incorrect delete this ASAP Filing Details- This is incorrect delete this ASAP Trustee Name- This is incorrect delete this ASAP Assets Available - This is incorrect delete this ASAP To Whom It May Concern : Thank you for helping me get some of the accounts that incorrectly appeared on my credit report deleted. However, I still dispute the remaining items. These are still being reported inaccurately and are extremely damaging to my credit. 

As stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. 

I let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. 
I am still having a problem with a company 's investigation into an existing problem. 
I was not notified of investigation status or results account status incorrect. 
I have tried to fix this with the company. 
I requested information from the company I did not recieve the information company failed to provide. 


XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my cell phone service, provided by XXXXXXXX XXXX stopped working. I later found that my XXXX card was hacked and someone was getting 2 factor ID texts while they illegally had access to my phone service. An attempt to take {$3000.00} from my XXXXXXXX XXXX account was thwarted due to my quick actions. However, I was not so lucky when it came to my Coinbase account. 

The individual who hacked my XXXX card was able to access my Coinbase account which based on the market at that time was worth approximately {$2500.00}. Coinbase replied to me stating that they are not liable for the unauthorized transactions. They provided a detailed record of the unauthorized transactions, yet they stated that it would not be possible to recover the assets. Coinbase gave me detailed instructions to recover the remaining assets in my account. This process consisted of several " id selfies '' and creating a new account. On XX/XX/XXXX Coinbase notified me that the remaining assets were sent to my new account. My new account was now worth approximately {$15.00}. 

I had several smaller amounts of less known cryptocurrencies in my account, but for purposes of this complaint, I have provided below the largest portion of my investment that has gone completely missing : XXXX XXXX coins - worth approximately {$1500.00} XXXX XXXX coins - worth approximately {$600.00} XXXX XXXX coins - worth approximately {$650.00} These assets should be refunded due to the unauthorized activity. Coinbase should be able to recover these assets by conducting an investigation. I am requesting a full restoration of my account to the assets held prior to XX/XX/XXXX at the current market rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two attempts to get a XXXX charge card on my credit report. Clearly someone is trying to use my information that has no idea who I am. You can see that they applied totally spelling my last name wrong both times but the same each time. I dont even know how stupid someone would have to be to NOT detect that this is fraud.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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. EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I have made sure to make my payments on time for CAPITAL ONE with the account number XXXX. This account should not have a late payment status in my record. Make sure to provide me any documentation about the late payments being done on the months indicated in the report. 
CAPITAL ONE XXXX Balance : {$0.00}
Product: Credit card or prepaid card

This is a continuing problem that I complained about XXXX XXXX. It started when Barclays double debited my checking account for my XXXX payment. I authorized XXXX {$4700.00} debit ; Barclays made XXXX. 

The next day, my card was rejected in NY XXXX and XXXX, XXXX. I called Barclays and they denied rejecting the card. They also suggested that it was a travel problem. I go to XXXX at least six times a year and sometimes make large purchases there, and Barclays knows that. Purchases in XXXX dont trigger a fraud inquiry. 

For several days I could use my card. Then, on XX/XX/XXXX it was rejected in XXXX, NY and for an online purchase. When I contacted Barclays, they said it was because I had not made my XXXX payment. Please recall that I made it twice - once was authorized, once not. XXXX, my checking account bank, had stoppec the second payment because Barclays XXXX had left my bank account overdrawn and when I called Barclays on XX/XX/XXXX, they could not tell me when the problem would be fixed. 

Barclays never notified me that they reversed the charge and that XXXX had stopped the other charge. I immediately made the payment AGAIN, which Barclays acknowledged. Yet they still will not let me use my card.
Product: Credit card or prepaid card

On XX/XX/23 I applied for a credit card with US bank. I have not received the card as of today XX/XX/23. However, the credit card is already activated as I can see on my online banking. I called the credit customer service, explained situation and asked them to close my credit card. After speaking with 3 different representatives with 3 different phone calls, my account is sill not closed even if they told me they were closing it every single time. I called 4th time and this time they kept transferring my call from one person to another and the credit card is sill not closed. US bank has major security issues with horrible customer support. I will close all my accounts with US bank in person and never use their service again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX