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

Bank of America kept deducting {$5.00} from my savings account since XX/XX/2021. They started doing this after apparently changing their minimum balance requirements, about which I was never informed, neither through a notice in mail or email or account message or phone call or by any other means. I was kept completely in dark until I noticed this in XX/XX/2021 just by chance when I logged in to my account. I am a resident of XXXX and I do not use my USA account often ( used only when I am travelling to USA, which is even more reduced during pandemic ). 

As soon as I noticed these monthly deductions, I called their customer service ( XXXX ) and explained all this, requesting to reverse these charges. They refused to do that saying that it is beyond a certain timeframe for reporting and reversing a charge! Frustrated with arguing with the representative, I transferred enough money into this account to avoid fees, paid up the pending fees ( {$35.00} for 7 months of charges ) and asked to close this saving account. I checked my account again today and lo-and-behold, not only had they not closed the account but charged {$5.00} AGAIN! This, despite them moving all the remaining balance from this saving account to my checking account, as a precursor step to closing the account! So once again, I am being charged unfairly ( maybe fraudulently ) by BofA despite me making all the efforts to resolve this issue promptly. I am writing this message to you while I am waiting to speak with BofA to resolve this AGAIN ( I waited for 45 minutes when a representative answered and after I explained all this, she asked me to hold and after 2 minutes the call was disconnected! ) So I am calling AGAIN while writing this message!

By the way, BofA online systems ( mobile app as well as their website login ) has no means for me to close an account on my own OR dispute these transaction! They don't even have a message center where I can send them a message with my request. Calling them on the phone ( and waiting for a longggg time to catch hold of a representative ) is the ONLY way to do get such issues resolved! And they make it really difficult, indicating that this is deliberate tactic to make money from such practices! It is public knowledge that BofA is at the top of making billions every year from such fees! Please do something about this. It is beyond frustrating. There is no BofA branch near my residence in XXXX that I can visit to resolve this! 

So, in perspective, I was on call with BofA for more than 1hr on XXXX, XXXX minutes today ( XXXX ) before being hung-up on, and already more than 30 minutes on my second effort today, just to be able to close my account! I, along with millions of BofA customers, are being charged " account maintenance fee '' for a service that BofA is NOT providing! Maybe it's a ground for class action.
Product: Credit card

I have a XXXX, XXXX XXXX and XXXX XXXX card offered through Comenity and over the course of the last few months Comenity has decreased the limit on all of these cards. Theyve explained this is due to negative credit scores and/or the total balances that I have compared to my limits on my credit report. I believe this is an unfair and abusive practice practice that causes me harm because reducing my limit without giving me a chance to reduce my balance, negatively impacts my credit score due to my total limits decreasing ; which increases my card usage percentage. I also believe this is unfair because it uses my credit score without reasonable cause to make new credit decisions even though my credit activity with the company is strong ( I.e on time payments, higher than minimum payments, etc ) Comenity should understand that while making this decision may seem like they are managing to credit risk but they are actually taking away their customers ownership of their credit score. I chose to apply for this card and also choose when I use it and how much I pay back in order to maintain a good rating. Comenity should also give me a choice in this situation BEFORE deceasing limits ; either by allowing me to pay down my balance or even close the account. I disagree that they should be permitted to use my external Credit score for new credit decisions after I have been approved but they could at least send a letter to the customer before they decrease and not after the fact because that is the fair and right thing to do. In addition, Comenity may even advise in their agreement that these activities may occur however these are internal processes that the customer can not reasonably determine when or if they will occur.
Product: Money transfer, virtual currency, or money service

This app is supposed to give advances when I pay on time it doesnt allow me to get the loan back once paid back! The make excuses!
Product: Credit reporting or other personal consumer reports

XXXX is reporting that I owe them over {$5000.00} from transactions made in XXXX, but I never received or applied for a card from them. Now a XXXX  just XXXX  my XXXX with papers at her address which is XXXX but my address is XXXX. This has severely impacted my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. XXXX soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX
Product: Student loan

I have a federal student loan through Nelnet an office of federal student aide and I'm unable to log in. I've changed both my password and username every time I log in, I write down my credentials and I go to re-login and it says my information is incorrect. I know I am not alone in this, there's a number of my colleagues who are experiencing this same problem. I can't log into my account to pay my loans and thus they are accruing interest and inevitably ( when I can finally access my account ) I will be paying much more than what I was initially charged. I've tried talking with customer service and they didn't help with my problem, for starters before I even spoke to anyone I was left on the line for an hour and half. The real problem is I can't log into my account it will not let me and this even after changing both a username and password over three different times. This happens every time I try and log in it says my password was 'deactivated ' even though I changed it seconds before. This is beginning to be a serious problem as I have student loans that I absolutely need to repay. I have also tried using different browsers and using the mobile version- none of these work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

On XXXX  I had requested that my addresses be updated, I even had the chance to speak to an agent and my request was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an 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: 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 ( CFPA ). 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 cause significant inconvenience and financial loss, and I seek appropriate redress for all these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX  XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I realized that there are accounts still on my report that do not belong to me. They were opened by someone and maintained by someone other than me without my permission. 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$890.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4300.00} XXXX XXXXXXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The problem has been for almost a year I've been dealing with missing money from my bank.the most recent incident was Saturday XX/XX/XXXX. Pizza was ordered online for XXXX $ somehow the transaction charged twice I contacted the pizza place she said wait until Monday and you'll see the amount only charged once because their receipts showed it going thru only once. So I waited until Monday and the total came out of my account twice ... Now I've been dealing with this problem with this bank for at least a year I called they gave me some excuse so we did the fraud again. 4 months ago the same thing was happening with another organization I was paying for my membership every month and the bank was taking the money twice a month and when I called too get it take care of they denied giving my money back. So this has been going on to long and I need to figure out how to get this taking care of because I don't know what the bank is doing with the extra money that keeps getting charged to my account.they even allowed a organization to take money from a frozen debit card and made the excuse that it was mastercards fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

On XX/XX/2019, I received a letter in the mail from the law firm of Linebarger,  Goggan, Blair, & Sampson re : " Notice of Debt ''. The letter was dated XX/XX/2019, and written by XXXX XXXX, allegedly a partner at that firm. The notice states that the firm is a debt collector, and that I have an outstanding debt of {$51.00} for delinquent tolls and " associated fees ''. They did not threaten to file a lawsuit. The end of the letter quotes passages from the Thruway Authority regulations in order to scare the recipient of the letter into paying without further question of the validity. A website, XXXX, is given for payment. I also received a Client Code ( XXXX ), and an Online Payment Number ( XXXX ). 

This letter is a scam. I have driven in New York a few times, and always paid my tolls immediately through the valid site, which is NOT XXXX, but XXXX. I have not driven in the state for over a year. 

The website the letter sends the recipient to is simply the website of the law firm, NOT the New York Thruway system. The letter scams recipients into believing that they are delinquent on a toll. In each legitimate toll bill I have received before, the date, time, and often a picture of the car are included in the message. None of these is included here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was trying to buy a car and the car dealership excessively kept pulling my credit, when I told them to submit to one corporation!
Product: Debt collection

I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.
Product: Checking or savings account

On XX/XX/XXXX, I received a text asking if I attempted to make a purchase @ XXXX XXXX. I replied back with no. They responded saying a chime representative will contact me shortly. Chimes phone number ( XXXX XXXX XXXX ) contacted me. I was then told my account was hacked and how someone with an iphone in XXXX, Texas has my information. They then tell me this person had set up two different transfers to come out of my account the next day ( XX/XX/XXXX ). The " chime representative '' was going to cancel my account and open a new one, but in order to do so I needed to move my money to the " case manager '' XXXX XXXX $ XXXX. {$1400.00} was moved over UNWILLINGLY, since I legit thought this was real considering chimes phone number called me. I now know, because the chime representatives tell me on REPEAT that chime will never call or text you. I contacted chime right away & a dispute was filed. An hour later it got denied. I called back asking why & was told to upload supporting documentation ( which I had done prior ). I redid everything that was asked for me to do. 2nd dispute got denied. Of course I call back & get tossed around to so many representatives, all of which " understand what I'm going through ''. I was then asked to make a written statement & a police report & submit the documentation. I did what was asked ( police report will be ready soon but I uploaded the report number & sheriff 's name ). 3rd dispute got denied. I also realized I have dash cams in my car. This whole phone conversation was recorded. I tried to upload the videos as proof that I am right, but of course they don't accept videos. I just want my money back. Every representative there seems to believe I willingly did this and knew this person. I beg to differ. Now my mortgage is late, among other bills. Those companies don't care what happened & what you're going through, so of course they want their money was well. 
4th dispute got denied and now on to my 5th one. I have asked for documentation as to why they keep denying my disputes. I have googled this issue and this has been an ongoing battle. So they are aware of this but act as if this is my fault. I can't help but think this is an inside job, and that's why they keep trying to sweep this under the rug.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a third party debt validation letter to I.C. Systems, Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. Systems, Inc., has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company ( Equifax ) experienced massive security breach due to improper security measures resulting in my personal info ( that I never asked them to collect in the first place ) to be compromised. Equifax knew about this breach a month before releasing info to the public which resulted in lost time to take action. I added a credit freeze to my account with them. To their credit, Equifax waived the credit freeze charge.
Product: Checking or savings account

On XX/XX/XXXX XXXX, I called at the customer service of 53 bank to request only 3 months of paper bill for the month of XXXX, XXXX and XXXX of XXXX, she said its only $ XXXX page so I said its only about $ XXXXBut I was shocked I was charged a Photocopy/Research Fee of {$120.00} .. The representative I spoke to on XX/XX/XXXX told me that the previous rep had printed 2 years worth of paper bill but they cant waive it. I spoke to several agents after on the same date XX/XX/XXXX who told me they cant dispute it because its coming from their bank ..I spoke to supervisor named XXXX on the same day as well on XX/XX/XXXX, who wasnt able to resolve the issue..I even call the actual bank manager in downtown XXXX XXXX who told me that he will stick to the decision of the previous rep to just give me {$15.00} when I in fact was charged $ XXXX.this is really frustrating and I want to cancel this account because I dont want to pay when this is obviously a bank error on their part .Poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX Balance {$4600.00}, XXXX XXXX XXXX  XXXX XXXX Opened Date XXXX XXXX, XXXX Balance : {$13000.00}, XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$3300.00}.
Product: Credit reporting

My father and I have the exact same name and similar SSNs. In the past the various credit reporting agencies would occasionally combine our credit reports in error. Every time I have gotten it fixed ( and it seems to have stuck with all by XXXX XXXX. This time I am seeing hard credit inquiries for a car loan as well as a credit card among other things on my report that belong to my father.
Product: Payday loan, title loan, or personal loan

I requested to have XXXX XXXX fix a broken dryer. I financed this request through Affirm for XXXX, but the dryer was never fixed. The person from XXXXXXXX XXXX  came out and said I needed a part. I had to order a part and pay someone else to fix my dryer. Now Affirm is trying to collect on a service that was not received. I have provided an email from XXXX XXXX stating that they are trying to refund me but were unable to. I have sent this to affirm 3 times and they can see all other information I have sent, but not this email. I need to have this resolved between the 2 companies