23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern : I am writing to file a formal complaint against Bank of America 's credit card department for charging me late fees since XX/XX/2023 to present, despite having an active auto-pay set up from my bank account. Throughout this period, I did not receive any notifications about missed payments or potential late fees, either via phone or electronic communication. 

Details of the Complaint : I have maintained an auto-pay for my Bank of America credit card account since the account was open. 
Since XX/XX/2023, my bank statements confirm successful automatic payments made towards my credit card on the due date each month. 
Despite these timely payments, Bank of America charged me late fees every month from XX/XX/2023 to present. 
I never received any notifications about missed payments or potential late fees from Bank of America, either by phone or electronically. 

Impact of the Complaint : These late fees, charged in error, have caused me significant financial hardship. They have negatively impacted my credit score and caused unnecessary stress and frustration. 


I am also willing to provide any additional information or documentation that may be helpful in resolving this issue. 

Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with SYNCB/Amazon the past, but they have failed to give me a fair solution to my issue. I have a SYNCB/Amazon. Acc # XXXX. Opened : XX/XX/XXXX. Status : Closed. Limit : {$500.00}. Banalce {$0.00}. SYNCB/Amazon has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XX/XX/2019. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA. They are being Unfair and Negligent. 

They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from SYNCB/Amazon and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. See attached documents sent to SYNCB/Amazon, which they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was viewing my American Express ( Amex ) account online as I wanted to put some charges into my Pay Over Time ( POT ) account. However, I got a message that said " You don't have a Pay Over Time account ''. Strange because last month I did and was able to use it. I tried chatting with Amex but didn't get a good explanation and wanted further detail. So I called them and spoke to a very nice patient man. I subsequently found out in my conversation with him that Amex had raised my APR from 15.24 % to 24.27 % effective XX/XX/XXXX. I was very shocked and asked why they had done this. He said it was because I was late with 2 payments this year in XXXX and XXXX. I told him to please notice that my XXXX payment was only 3 days late and my XXXX payment was only 1 day late, due to the fact that I was having trouble getting my Social Security payment to coincide with the due date of my Amex card. He was able to change my rate back to 15.24 % effective XX/XX/XXXX which I very much appreciate. However, he could not change it retroactively for charges I put over to POT from XX/XX/XXXX to XXXX. I asked why was I never notified of this change in APR or that they had cancelled my POT. I would never have continued to put charges over to POT had I know my APR had increased that much. He said notification should be on my XX/XX/XXXX statement. I pulled the PDF statement up and told him that on page 1 it says my POT Limit is {$18000.00} and my Available Pay Over Time Limit is {$11000.00}, this to me sounds like I still have a POT account but he confirmed that they closed it to further use. He said to look further down in my statement and way down on page 11 of 12, sure enough they stated it would be increased to 27.24 % effective XX/XX/XXXX but still no notice that my ability to use POT was cancelled. I feel this is a very sneaky practice ; burying the notice on page 11 of my statement. I said a formal letter informing me of this important change to the APR and that my POT was cancelled would have been more appropriate. He agreed but nothing he could do about the high APR being charged from XX/XX/XXXX to XXXX. I really do like Amex as they have been good to me over the past 30+ years but the practice of raising interest rates without sufficient notice is not ethical.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users Vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises several serious concerns about consumer safety.
Product: Student loan

I attended XXXX XXXX in XXXX Illinois in XXXX and in XXXX the XXXX XXXX XXXX found XXXX operated on a culture of false promises, lies, and manipulation in order to profit off student debt. 

At the time of my attendance, it was not explained to me this would be a private loan as the first loan I received was a Federal Loan ( Has been XXXX ). 

A {$7500.00} private loan has now ballooned into over {$25000.00} even though I have made a total of {$12000.00} in payments over the past 8 years. 

I went through my Illinois Attorney General to file the complaint and complete a Navient School Misconduct Discharge application, but the application was denied by Navient ( denial letter attached ) with a very vague explanation " you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your notice the following information added to my credit report. 

Accounts along with the [ creditor 's name ] are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and would request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. 

I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 

Please look into this matter and do the needful as soon as possible. 

Regards,
Product: Debt collection

Fraudulent account. Opened without my knowledge, consent or authority.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$23000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation and your Method of Verification.
Product: Debt collection

HARVEST ASSOCIATES INC is attempting to collect debt not owed to company. I have attempted o contact numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe {$1900.00}.
Product: Credit reporting or other personal consumer reports

I purchased a car on XX/XX/year>. I was told that after 30 days, the hard inquiries for that loan should consolidate. Im still showing XXXX hard inquiries. XXXX of the XXXX inquiries consolidated but the other XXXX did not.
Product: Mortgage

I have been trying to get an insurance check co-signed by the mortgage lender so I can deposit it in my account to pay for water damage caused to my condo.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They call once a day threatening to garnish wages, and threatening legal action using an automated message. I have the recording of the message on my voicemail.
Product: Checking or savings account

On XX/XX/XXXX my regions charged my account an {$8.00} service fee causing it to overdraw and be charged a {$36.00} fee. My husband transferred me money to cover the fees and put the account in the positive on XX/XX/XXXX. On XX/XX/XXXX my account was charged a {$72.00} overdraft fee even though the account was not overdrawn. When we spoke to two people at regions who were both rude and tried to explain to us that we just dont understand. They could not answer why the account was charged XXXX  overdraft fee when it wasnt overdrawn. 
Secondly it seems as though the are manipulating the order of charges to cause overdrafts.
Product: Credit card or prepaid card

On XX/XX/2021, a merchant charged my card for {$250.00} for car interior alteration services I did not request. After attempting to resolve the issue with the merchant, they became belligerent and so I disputed the charge with Goldman Sachs. Through several months of exchanges with Goldman Sachs support, they obstructed my inquiry and in particular failed to fulfill their obligations under the Fair Credit Billing Act : 1 ) Goldman Sachs took much longer than two billing cycles to resolve the matter.

2 ) Goldman Sachs never delivered evidence, despite numerous requests from me in writing, to explain their decision regarding the dispute.

Now Goldman Sachs has sent a threatening letter claiming my account is delinquent.

Goldman Sachs claims my account has an outstanding balance of approximately {$100.00}. However, in recent months, I received a refund of {$100.00} for an unrelated charge. I had requested Goldman mail me a check for the refund, which they have failed to do despite numerous requests. Therefore, Goldman still holds the funds. Even if Goldman were to argue that they acted within the FCBA, my account balance is actually 0 ( or has a credit ) and thus their reporting of my account as delinquent is false, defamatory, and damaging to my credit. 

For extensive evidence, please see XXXX  cases XXXX, XXXX, and XXXX.
Product: Debt collection

XX/XX/XXXX, XXXXew Century Financial, XXXX XXXX XXXX attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt ) envelope from XXXX, XXXX, XXXX XXXX. 

XX/XX/XXXX I received a certified mail package From New Century Financial, XXXX, and Superior Court of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

New Century Financial remained Plaintiff, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that XXXX ) this debt was paid by bank levy, 2 XXXX XXXX and New Century have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.
Product: Credit reporting or other personal consumer reports

Based on, 15U, S CODE {$1600.00} XXXX, Under15 U.S. CODE1681e ( b ) 1681 ( 5 ) In accordance with the Fair Credit Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & conditions, Failure to comply will forfeit your claims and will require you to delete all the list of items above You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Checking or savings account

This is the letter that I ended up sending to Bank of America after they denied my claim Dated XX/XX/2019, for AUTHORIZE ONLINE TRANSACTION IN THE AMOUNT OF {$600.00} to a Unknown email address. ****** XX/XX/2019 VIA FACSIMIL : XXXX Bank of America Fraud Department Case Num : XXXX XXXX Regarding our conversation maintain on Friday XX/XX/2019, enclosed please find here prove to sustain that I been a victim of identity theft not just with your financial institution, but also on my primary bank account where I use to do business too XXXX with XXXX XXXX. 

In these paper enclosed, you will find copy of the two ( 2 ) Police Report I have to made to report the incident that I was been involved by been a victim of identity theft. Also enclosed, the letter I sent to XXXX, also the complaint that I have to submit to The Consumer Financial Protection Bureau informing my situation. Sadly for me, thinking that with your institution ( Bank of America ) I will be better protected from this type of case this past Friday I have to heard that your FRAUD DEPARTMENT IS DECLINING my claim, stating finding NO ERROR in that electronic transaction to an unknown email address you guys have registered in my bank account with no previous history of mine registering this email address, person or company, also If you see my previous history I NEVER USED THAT KIND OF SERVICE BEFORE XXXX, or have no contact register there or any other type of electronic transactions. 

Also, on my intent of try to stop this fraudulent transaction, on the same day and minutes after I got the email/notifications of the transaction I PRACTICALLY RUN to the most near institution to report what was happening and that transaction wasnt me, wasnt authorized for me and I dont know the person or email address the thefts was using to send that money {$600.00}. ( Second time in one week had been a victim of identity theft ). I also make reports with the credits institutions informing this situation, you will find a copy of the letter too. 

I hope we can resolve this matter as soon as possible, by having a fair investigation and not making me hired a legal representation to fight for my rights and the money you guys supposed to have secure on your financial institution. 

Any other information need, please do not hesitate in get in touch with me. 

XXXX XXXX XXXX, XXXX email : XXXX I also want to add that this Institution with the delay in resolving this problem been causing me a lot of frustration and inconvenience by not been able to use my funds and by the bank don't been diligent and just denying my claim without proper investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX  # XXXX After receiving my XXXX XXXX credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX equifax/ XXXX XXXX  complaint and these still appear on my consumer report.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DISPUTE. THIS IS A CEASE AND DESIST ORDER AND SHOULD BE HANDLED ACCORDINGly. I previously sent this in and Equifax is treating it as a dispute.
Product: Consumer Loan

OneMain Financial ( Springleaf Financial ) Lender caused overdraft fee for XXXX dollars. I had auto pay setup for my loan account and paid it early. I paid it on the XXXX of XXXX. It stated online that nothing was due, indicting that the autopay would not take money from my account. Yet on the XXXX of XXXX, the money still came out of my account, causing me to pay an extra month early and a XXXX dollar overdraft fee. I called requesting that they refund the XXXX dollar overdraft fee and they would not. I also unenrolled out of auto pay for the loan.
Product: Checking or savings account

On XX/XX/2023, I deposited {$4000.00} cash ( XXXX dollar bills ) into the ATM at Bank of America in XXXX, Fl on XXXX XXXX. When the transaction was complete, it showed a total deposit amount of {$2000.00}. I called the customer service number immediately and started a claim while parked at the ATM. The claim was started 1 min after the failed transaction. The lady told me it would take 10 business days to get the dispute taken care of. After 10 days I called to check the status of the claim. The customer service agent said there wasnt any changes to the claim yet but to wait to get a response on the XXXX of XXXX. I called today and the customer service agent said the case was closed and they didnt find any extra cash in the ATM, therefore denying me the missing {$2000.00}. I asked for details they found on the camera and she was not able to verify what the verification process was. She stated that sometimes they cant tell by looking at the camera. They also claimed they didnt find any extra cash while auditing. She did open a new claim to see if Bank of America will reconsider the case. No financial relief was offered and no detailed reason as to why the cash was not accounted for. This is not the first time this has happened with this bank/ location. Last time it was resolved within a weeks time but declining it this time is unacceptable.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.