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

On my Bank of America statement, as I was close to final payment of a balance transfer with a 2 % APR, I was repeatedly charged a monthly {$1.00} " fee '' in substitution for a negligible interest amount. I was unable to determine, from information on the paper statement or online, exactly how much that balance was so that I could pay enough to get rid of it and avoid the annoying " fee. '' ( Meanwhile, about the same time that the prior balance should have been paid off, I had transferred a new balance to the card at 0 % APR and had paid the 4 % fee. ) Bank of America did remove the {$1.00} fee for each of the 3 months that it appeared, but I had to call and " escalate '' to a supervisor each month, which was annoying. 
I am complaining because my paper statements have the required grid of " Interest Charge Calculation '' with column headings for the balance amount, APR, etc., but the " Balance Subject to Interest Rate '' for all balances ( i.e., each different balance transfer, loan, purchase, etc. ) is always XXXX. This amount is simply neither computed nor displayed. Without that balance information, it is difficult for me to plan how much to pay to get rid of certain balances, e.g., the minimum payment + interest + amount of highest rate balance. 
In comparison, the statements that I receive from XXXX XXXX have the balance information filled in on this grid. Moreover, the statements that my spouse receives from Bank of America have this balance information. Obviously, the prior balance at 2 % APR should have been displayed and even the current balance at 0 % APR should be displayed ( even 0 % is an APR ).
Product: Credit reporting or other personal consumer reports

I have been a repeated victim of identity theft, innacurate reporting of late payments, reporting that i never authorized, the wrong name, address, my date of birth, place of employment going back to XXXX  and it continues etc. Experian has violated 15 USC 1681 c-2, 15 USC 1681b , 15 USC 1681 ( e ) ( b ) and 18 USC 1028A . They have no later than XXXX days after receipt to correct these issues.
Product: Credit reporting or other personal consumer reports

According to XXXX, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it as soon as possible.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries are on my credit report per 15 USC 16c-2, affecting my credit score. Please remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by Equifax and XXXX but still reappears as another collection. The newest date shows XXXX which is false.
Product: Mortgage

I Hired a 3rd party company to assist me in the loan modification process cause my lender will not doing nothing to help me save my home. 
my file was submitted to my lender for mortgage assistance and this was the response from my lender to the 3rd party helping me INC CALL FROM XXXX AT LENDER OFFICE SHE STATED THAT THEY JUST FINISHED WITH AN EVALUATION FOR ASSISTANCE IN XX/XX/2018 AND WAS DENIED BECAUSE THERE IS NO SIGNAFICANT CHANGE IN HIS INCOME THEREFOR HE DOES NOT QUALIFY FOR A RESTRUCTURE THE ONLY THING HE CAN DO IS REINSTATE THE LOAN OR DO A SHORT SALE - XXXX XXXX ( XX/XX/2018 XXXX XXXX - PST ) so you know there has been a change in more then just one thing in my situation and cause I think it was not substantial to the lender to say, there is not any significant change. XXXX XXXX   sent in a appeals for this to the lender and they still denied me for any assistance, I told them that I would take a higher payment cause I can afford that now as my situation has changed. I even offered them a large down payment as well, and they still denied the process.
Product: Consumer Loan

I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX violated my privacy rights XXXX US DEPT. OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of these consumers ave violated my right to privacy 15 U.S.C 1681 SECTION 602 A States I have the right to privacy.

15 U.S.C SECTION 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX-year-old veteran. I live in Arizona. I have a safe deposit box at a local Chase bank. The safe deposit box is free to me because of the problems Chase has had handling veteran 's issues in the past. I would like my son to be on the list to have access to my box if something should happen to me. My son lives in Texas. 

Today I was told by my local Chase bank representative that Chase has a policy that my son has to be present with me at the bank in order to sign the forms for access to the box. In the past, I could have sent the forms to him to fill out. He could get them notarized and send them back. A federal credit union near me has a small card I could send him if I had a box at their facility. My son could sign it and send it back. I do not have a safe deposit box at their facility because it would cost me money. 

Now, my son would have to fly to Arizona just to sign the card. It doesnt make sense to me and the Chase bank representative could not give me a good reason for it. 

Is there anything you can do to help me get the forms signed without having my son spend the money on a flight to XXXX just to sign the card?
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$15000.00XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report in XX/XX/year>, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all 3 credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX Georgia, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a few letters to XXXX and also a few letters to the credit reporting agencies, XXXX, Experian and XXXX because they violate my fcra right even made a complaint againts the company, they don't even answer to the CFPB complaint.
Product: Debt collection

XXXX removed the debt from my credit but XXXX XXXX XXXX XXXX has my and it is affected my living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a repo back in 2019 thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.
Product: Money transfer, virtual currency, or money service

My account CashApp card and Bank Account was scammed by someone I don't know or has ever done business with name XXXX XXXX, name on the screen is XXXX. I have reached out to CashApp two times and they have failed to respond!

My CashApp account has been hit 11 times, because my bank card was linked to my CashApp card, which was a total of {$220.00} from my bank account alone! Then he hit my CashApp account that had a balance of {$180.00}. I am requesting immediate attention and full refund of {$410.00}. CashApp lacks the compassion and fortitude to protect their customer base! There system is designed to ask you if you wanted to send money to this person as they are NOT in your contact list, however they fail to ask if any transaction are approved before allowing someone to take money from your account. I have advised them I my concerns to the following agencies, as I can not afford to lose {$410.00} due to their lack of accountability I will be reporting this to the XXXX XXXX XXXX, The FCC, and Consumer Financial Protection Bureau. I would like a full refund and I will be closing this account. 
My old CashApp account was under XXXX XXXX. 
I can be reached at XXXX. 

Thank you XXXX XXXX
Product: Checking or savings account

Please review the advertisement of the XXXX saving account interest rates of 4.35 % thats was false advertising to consumer to open saving account with Capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX 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 PAYMENT HISTORY LEGEND Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN PERMISSION FOR MY PERSONAL INFORMATION TO BE REPORTED BY ANY CREDIT COMPANY OR BUREAU. THESE ADDRESSES CAN BE FOUND ON ALL 3 OF MY CREDIT REPORTS AND ARE ADDRESSES THAT I NEVER LIVED AT OR I CURRENTLY DO NOT LIVE AT THE ADDRESSES ANYMORE. SEE ATTACHMENTS FOR ADDRESSES LISTED OTHER THAN THE ADDRESS BELOW CURRENT ADDRESS 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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.
Product: Mortgage

SPS is the mortgage company. I know they have class action suits against them, so they are obviously doing things illegally. They have had money in escrow for a year and a half and have released part of it, but they are continuing to hold a little over XXXX saying a certain percent of completion of work from storm damage hasn't been done. Some of the items they've said were not done have been 100 % complete. They sent my loan in for foreclosure while at the same time holding over {$30000.00} in escrow. I've called numerous times and keep getting the run-around. They can't seem to answer why they are keeping my money. Can you help? I think they're doing everything they can to hold my money as long as possible.
Product: Debt collection

I have tried to reach debt collection agency Mercantile Adjustment. I paid an old debt I owed to electric company XXXX on XX/XX/XXXX in the amount of {$680.00}. This amount was debited on XX/XX/XXXX. This amount still shows on my credit report and I have asked numerous times to have this removed. I also never received a letter indicating the debt was owed and this is impacting my ability to apply for housing. I disputed this twice with credit bureau XXXX on ( XX/XX/XXXX and on XX/XX/XXXX ) and received responses each time that debt was verified with the collection agency has valid. This is not accurate. Additional calls to this organization go unanswered and nobody has called me back. I need this removed from my credit report.
Product: Checking or savings account

On XX/XX/2022 I was approved for a checking account through Navy Federal Credit Union without any issues. On XX/XX/XXXX, I switched my direct deposit information to this checking account so that I could receive my paycheck on XX/XX/XXXX. I called Navy Federal on XX/XX/XXXX to ask if my paycheck would arrive two days early like with my previous bank and this is when I found out about the restriction on my account that will allow me to deposit, but not withdraw. Prior to this, I received no information, whatsoever about the freeze on my account. They told me to call XXXX XXXX XXXX to get the issue resolved. I called XXXX XXXX XXXX and they told me that it would take XXXX days for them to send me a letter either by mail or email explaining why there is a freeze on my account. After trying to escalate with Navy Federal, they told me that I would have to speak to their security department who has a TWO HOUR hold time. After holding for a whole hour, my call dropped due to bad service in my home. This is causing a huge financial strain on me and I have a XXXX year old son. The constant phone calls that I'm having to make is also interfering with my production time at my job. Please help.
Product: Checking or savings account

Concerning complaint # XXXX I am grateful that BofA removed my SSN from XXXX XXXX XXXX XXXX XXXX Irrevocable Trust , a 501 ( C ) ( 3 ) tax exempt XXXX XXXX XXXX As a XXXX  XXXX with a XXXX XXXX XXXX number, I know exactly how it's supposed to be listed and registered. 

Legally, the companies final response was incorrectly addressing the XXXX XXXX and it's subsidiaries as being mine. I must emphasize that I do not own them and I volunteer for them. 


I have an issue with the reasoning behind my SSN being incorrectly used and the XXXX XXXX funds being released as mine to XXXX XXXX of XXXX XXXX because I was denied much needed services. 

Because of this, my credit score was negatively effected, my renters credit was negatively affected. I had to request financial aid from the church I volunteer at as the XXXX XXXX. On top of this, all three entities couldn't do business. 

The legality and fall out from the excuse given is quite extreme. 

The excuse that BofA had a technical error brings up a much larger question. 

How many other accounts are incorrectly entered? 

How can customers be sure this won't happen to them? 

Was this discrimination against me or are accounts purposely being entered incorrectly for the benefit of someone? 

What kind of a technical error would just effect the XXXX XXXX accounts and not others and why, after my countless efforts with in person meetings with the local bankers and hours on the phone with representatives did it take 6 months to fix? 

What about others who bank with BofA? Will there be a mass exodus from BofA because of such a mistake? 

How did this happen and what is preventing it from accidently happening again?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

There are XXXX missing mortgage payments, and the checks have been cashed. 
The mortgage company is now charging late fees. 
We were served by the mortgage company for non payment of mortgage
Product: Debt collection

I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a PO Box in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.