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

On XX/XX/2024, the credit card collections team at Bank of America took money out of my account because of a debt owed by my Mother 's business. I am a XXXX XXXX XXXX, and I work to earn my own money. I don't live with my mother. She opened the bank account for me when I was a minor and I forgot she was on the account ( it was required that I add a parent to open the account ). On XX/XX/XXXX, with no notice. there was an offset for an overdue business credit card payment taken from my account for {$1200.00}, this was not a debt of mine, but from a debt owed by a company owned by my Mother. This withdrawal has caused me to personally go into deep financial distress. I was not able to pay my rent, I am now behind on my bills. I work for my money, my mother does not provide for me. I called the bank to explain the situation, I removed my mother from my account, and on XX/XX/XXXX I was told that the offset would be reversed and the {$1200.00} added back to my account. My mother also called and made payment arrangements for herself to resolve the debt, and representative XXXX XXXX told her the funds would be added back to my account. It is now over a month later and I have not yet received the funds. I am in a desperate financial situation, I am XXXX XXXX XXXX and forced to pay for my mom 's business debt. This is very unfair. Today when I called then they told me the reversal was declined, a month after I was told it was approved. This is unethical and unacceptable. Bank of America should be forced to give me back my money and resolve any debt related issues directly with my mother and her company.
Product: Credit card

My understanding is that, per the new laws enacted shortly after President Obama took office, credit companies were no longer permitted to apply payments in excess of the minimum balance to the lowest interest balances in favor of those w/ higher balances. In my case, today I contacted Synchrony Bank ( XXXX ) re : my Gap Visa from which I took a cash advance of {$1000.00} on XXXX/XXXX/16 and learned the following : I now have an overall balance of {$4000.00}, purchases are subject to an int rate of 25.24 % ; cash advances are subject to an int rate of 27.24 % HOWEVER even if i pay more than the minimum monthly payment ( ~ {$80.00} ) NONE of that additional payment can or will be applied to the cash advance balance until I have paid off the lower interest purchase balance IN FULL. Is this still allowed??
Product: Debt collection

I have filed several complaints and am getting nowhere. I am attaching XXXX response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$820.00} Needs Attention XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Debt collection

This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter. 

Thank you
Product: Credit reporting or other personal consumer reports

all 3 credit bureaus refuse to delete accounts that do not belongs to me. The ssn and birth date used to open the accounts does not belong to me.
Product: Credit reporting or other personal consumer reports

This company CPS ( consumer portfolio services ) has ABUSED the use of my credit. 
They ran my CREDIT 4 times within them. That is NOT okay when im rebuilding credit. Hard inquiries take a toll and I was not told it would be overused like this I was told ONE PULL. Please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. 

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Student loan

I applied for the debt default program and set up a card which had {$60.00} on it to make 10 {$5.00} payments over the course of 10 months which was to be automatically debited from my card. they took the payments and on the XXXX and final payment the said my card declined even though i did not us the card for anything other than the purpose of the loan repayment program and they just took my money and did not even attempt to reach me in this matter especially after 10 months and the fact that it was the final payment. when i found out they didnt even allow me to go ahead and make the final payment.
Product: Vehicle loan or lease

This company has violated my consumer rights in many occasions. 

Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) it states, " the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. This means, that late payments, charge-offs, repossession, should not be included on my report as those are transactions and experiences.

Pursuant to 15 USC 1601a states " The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. '' Their obligation to inform me with the disclosures, has not been fulfilled. Hence, making an uninformed decision because it was not clear nor explained adn the contract became null and void when this was law was not exercised. 

Lastly, I have a right to privacy! This " chargeoff '' being placed on my credit report has stopped me from being able to purchase a vehicle without a cosigner and it is a DEFAMATION OF CHARACTER.
Product: Debt collection

This is the closest category to my situation. XXXX XXXX was authorized to withdraw {$200.00} a month from my bank account with my bank. Around Friday afternoon on XXXX/XXXX/2015 a check went thru the bank and was rejected pending manager approval for {$1700.00}. I can not contact the bank manager until Monday XXXX/XXXX/2015 to attempt to plea my case. XXXX XXXX has not contacted me since our conversation last year. At that time they only had permission to withdraw $ 200 monthly from my account. The collection agent was very rude at the time. No further communications have been received from them by mail or phone. No communication was made about a {$1700.00} draft on our account. No communication was made about a forced final payoff. The collections agent scheduled a return call for XXXX of 2015.
Product: Credit reporting or other personal consumer reports

I dont remember the date, so my credit is really low and I want to know how or can somebody help me fix it. What can I do to get credit if I dont have none
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have violated my right to privacy and I'm a victim of identity theft pursuant to USC 1028A. I NEVER AUTHORIZED these companies to report any negative accounts on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Brite Financial Services- Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney XXXX for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. ( CFBA ). 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 card or prepaid card

Found credit card on XXXX that I never applied for. Reported it to XXXX. 

I still do not know what this elan card is. 

What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?
Product: Credit reporting or other personal consumer reports

I received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq. that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. Please be advised that the alleged debt that you are attempting collect is uncollectable for the following reasons : XXXX. Creditor is in breach of any alleged agreement that it claims I am bound by. 2. Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it. 3. Due to the breach and lack of full disclosure, you are attempting to collect an alleged debt from me, you are committing false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud. 4. Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account that you claim I am bound by. This transaction is a securitization. 5. Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are attempting to collect. XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX I was working through Pay Pal and a transaction was made for {$1500.00} to a XXXX XXXX through Pay Pal. After sending the money I was informed that this person was a scammer and I immediately reported it to Pay Pal. They opened a case, Case # XXXX but it was closed. The person was a scammer and not the person the money was intended to go to. Pay pal will not refund my money even knowing it was not a real person. The whole transaction was a scam. Please help refund this money. It has been a horrible experience and Pay Pal will not help me get a refund. Thank You, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact TranUnion several times to have these fradugelent inquiries removed from my credit report. I am told to contact the companies listed which I have and they tell me that I need to contact the credit bureaus. I am going back & forth without any resolution,. These inquiries need to be removed ASAP. I have sent them a police report as well showing I have not applied for anything.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am filing this complaint to formally address the failure of XXXX XXXX, in partnership with Zelle, to adequately investigate and resolve a fraudulent transaction that occurred through Zelle. I am aware of the ongoing CFPB investigation into Zelle and its member banks, which underscores the systemic issues related to fraud resolution and consumer protection within this payment platform. 

I use Zelle frequently for domestic transfers. Unfortunately, I fell victim to a scam on XXXX XXXX, where I transferred funds via Zelle in good faith. Despite promptly reporting the fraudulent transaction to XXXX XXXX, they failed to provide a satisfactory resolution, citing Zelles terms and conditions that seemingly absolve them of responsibility for reversing or investigating fraud involving authorized transfers. 

I believe this response is inconsistent with XXXX XXXX obligations to safeguard consumers and properly address disputes under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, particularly when fraud or deception is involved. Furthermore, Zelles lack of fraud protection mechanisms and XXXX XXXX inadequate dispute resolution process leave consumers like me vulnerable and without recourse. 

I respectfully request that the CFPB investigate this matter further, including the specific handling of my case, and ensure that Zelle and its member banks implement stronger protections and clearer accountability for fraudulent transactions. It is essential to hold financial institutions accountable for providing secure and reliable payment services, especially as digital platforms like Zelle become increasingly prevalent. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation into Zelle and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and AXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged XXXX XXXX but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

Dear Sir/Madam, I made a complaint against loancare regarding the same issue ( XXXX ) They closed my case without resolving my issue. 

My loan balance is still below 80 % but they do not answer any of my calls or emails regarding the cancellation request, they already charged me for the month of XXXX and they send me the bill for XXXX where they still want me to pay PMI. 

I got a letter from them after your complaint that letter was signed by XXXX XXXX with extension number XXXX but when I try to call this number during the business hours provided on the letter I got " Invalid Extension '' error. 

I tried to leave them a voice message but no one ever returned any of my calls.
Product: Credit reporting or other personal consumer reports

My car was totaled on XX/XX/XXXX and CAC payment form XXXX XXXX  and Gap insurance. They stopped reporting to the credit bureau. This is when the mistakes began. The balance left of my account is {$3600.00} some odd dollars. They reported it after receiving the payments form Gap and XXXX XXXX  as being {$8300.00} even though in my account it showed a balance of {$3600.00}. I disputed this to no avail with Credit karma. However after 2 months it has been updated and now currently reflects the current amount of {$3600.00}. Here is where the second problem begins. They are now reporting my account as behind. It is saying 30-59 days late. But in my account when I log in says I have no payments due until XX/XX/XXXX. I called them about this on XX/XX/XXXX and more errors. When the agent answered the phone she said my balance was {$3600.00}. She then said that I owed them $ XXXX and that my account was past due. However after my car was totaled and I called and spoke with a representative I was told that the $ XXXX reflected in my account was based on the {$3600.00} being spread out over the life of the loan a total of 8 years. My bottom line is they are misrepresenting facts and it is preventing me from getting another vehicle. I can't have a payment due in XXXX of this year and be behind at the same time in XXXX?