23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX 2023, Bank of America XXXX XXXX both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card , which was issued by the same bank.

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XX/XX/2023. I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XX/XX/2023, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XX/XX/2023. Additionally, I proactively reached out to Bank of America by phone on XX/XX/2023, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.
Product: Credit card or prepaid card

My card was hacked. I called and was able to cancel the card and order a replacement. However, I have not been able to speak to anyone about it. I was placed into a call queue for at least 45 minutes and no one ever picked up. There is more than {$300.00} in charges from overseas that were taken fraudulently from my account on XX/XX/2020. This account is for Child Support in Pennsylvania and EPPI Card ( Conduent XXXX  ) I just need to speak with someone so that I can get this money refunded.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT Navy federal credit card I filed a dispute transaction XX/XX/XXXX. The claim I was done properly and the representative entered diffrent transactions and said it was a mistake when I asked only for XXXX XXXX car to be disputed!! The claim got denied... I entered second review as what I called navy and they told me to do XX/XX/XXXX as the claim was entered again wrong amount only XXXX XXXX XXXX was to be disputed!!! Then on XX/XX/XXXXXXXX XXXX  times as you can see in the proof below the repesentive made a mistake on XXXX which she pointed out did it over again on the next claim that was done right after on the same day.. she apologized ... and now I'm waiting nothing this is damaging my credit I can't get nothing done I'm paying all this interest on charge that was fraud this isn't fair please investigate and publish this because I've met other persons who has problems with Navy federal and there disputes!!
Product: Credit card

Citibank is the issuer for the Home Depot card. While I have been making monthly payments regularly, they were below the full amount. But upon calling Home Depot customer service on XX/XX/year> to arrange a payment plan and schedule reduced payments for a short-term period, the Home Depot customer service had to transfer me to Citibank. Citibank then advised that my account had already been closed for months. I never received a communication by mail, email or online portal, regarding account closure nor freeze of credit line. I advised Citibank of the Fair Credit Reporting violation ( s ) and that I would be filing complaint. I requested proof of communication. Citibank mailed a letter dated XX/XX/year> advising that they did nothing wrong and provided no proof of when they closed the account or when they provided notification in writing. violation of 1002.9 ( a ) ( 1 ). The 1099-B and OID have been reported on this account to properly report the taxes to the Internal Revenue Service . I have consistently shown willingness and ability to pay ; this termination is a violation of 1002.7 ( c ) ( 1 ). 15 U.S.C. 1691 adverse action. I am the original creditor pursuant to 15 U.S.C. 1602 and the OID.
Product: Credit reporting or other personal consumer reports

Since XXXX they will not update my report or tell me my score I have called multiple times and they provide no information
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 XXXX XXXXXXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute request to remove co-signed account due to 1099-C Cancellation of debt Dear XXXX I am writing to formally dispute the inclusion of the following account on my credit report. I co-signed the account listed below, but the original account holder has received a 1099-C ( cancellation of debt ), which signifies that the debt has been forgiven and is no longer owed. 
Account information account XXXX original creditor : Credit Acceptance Date opened : XX/XX/year> As a Co-signer, my responsibility for this account was contingent on the original account holder fulfilling the terms of the agreement. Given the fact that the debt has been canceled by the creditor ( evidenced by the 1099-C ), I respectfully request that the account be removed from my credit report.

Please investigate this matter and, upon confirmation of the cancellation of the debt, delete this account from my credit report.

I have attached a copy of the 1099-C form for your reference. If you require any additional documentation to process this dispute, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX XXXX foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my XXXX   credit report are Wells Fargo Home Projects credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Product: Mortgage

I opened my loan XX/XX/2017 with BBT and never had any issues until this merger with SunTrust. They have been posting my payments that are supposed to go to payments all to principle. I have to asked repeatedly when I make a payment to apply the money you payments and any overages to principle. However this is not getting done. I am showing past due because of how they have misapplying my payments. I pay twice a month with extra money. I should be ahead not behind. They say they will fix the issue but nothing is getting done. Also, I used to be able to have my payment paid by my bank with out a paper check now since merger they only accept a paper check. I was on the phone again this morning for over 2 hours the call was disconnected and no one called back. I was speaking with a XXXX and and she was trying to help but the call was disconnected and didn't receive a call by back.
Product: Checking or savings account

I encountered a very strange problem. The Bank of America suddenly closed my account on the XXXX of this month and refused to provide any further information and reports. When I deposited money in the Bank of America, the service staff of the Bank of America told me that under any circumstances, as the person in charge of the account, I would enjoy all the rights related to the account, but I was closed the account without any knowledge and the funds were frozen. I asked to solve this matter quickly. This kind of freezing behavior has brought great trouble to my work and life. At the same time, my recent failure to pay will cause the breach of contract of several jobs, which will bring completely unnecessary legal compensation risk.
Product: Debt collection

I had a family issue that caused me to take custody of my nephews in XX/XX/XXXX. It had placed a financial burden on my family as I couldnt work due to their needs. This caused me to miss payments, etc. I was going to file for bankruptcy but decided to try to negotiate settlements with the card companies. I couldnt get a settlement with Citi and then XXXX XXXX bought the debt. They sued me through XXXX XXXX. I set up a payment plan and everything was going well until XX/XX/XXXX when XXXX erroneously charged me twice. While this happened, it caused my payment to be returned to XXXX XXXX and I didnt realize this had happened. Honestly I deposit enough for the bills and then have everything set up automatically so I dont check the account as often as I should. XXXX XXXX said they notified me by mail that the payment was returned but I never received any communication from them. Maybe lost in the mail?!? However, they never tried to resubmit the payment or tried pulling funds for any subsequent payments that I had preauthorized. They have no frozen my bank account and have caused more damage ( missed daycare payment, insurance payment, late fees, etc ) all over a relatively small amount owed. Especially during a pandemic ( we maybe coming out of it now? ) when everything is rising and things are already tough for many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account is not mines XX/XX/202XXXX XXXX
Product: Debt collection

I am disputing a debt of {$710.00}, associated with account number XXXX, reported by Jefferson Capital Systems. This debt does not belong to me. Over multiple years, I have requested Jefferson Capital Systems to provide proof that this debt is mine, but they have failed to do so. 

I contacted the original creditor, XXXX XXXX, and they confirmed there is no record of this debt under my account. Despite this, Jefferson Capital Systems continues to report this debt to the credit bureaus, negatively impacting my credit report. 

By reporting false information on my credit report, Jefferson Capital Systems has violated the following federal laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Jefferson Capital Systems is legally obligated to ensure the accuracy of the information they furnish to credit reporting agencies. Their continued reporting of an unverified and inaccurate debt violates this law.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : It is illegal for a debt collector to use any false, deceptive, or misleading representations in connection with the collection of a debt. Reporting a debt that does not belong to me qualifies as a false and deceptive practice.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Upon being notified of a dispute, Jefferson Capital Systems is required to investigate and correct any inaccuracies in a timely manner. Their failure to remove or correct the inaccurate information on my credit report violates this law.

Previous Complaints : I have filed prior complaints regarding this issue : CFPB Complaint ID : XXXX CFPB Complaint ID : XXXX Despite these complaints, the issue remains unresolved. 

Requested Resolution : I am requesting the following actions : 1. Immediate removal of the {$710.00} debt associated with account number XXXX from all credit reports. 
2. Confirmation that all financial responsibility for this debt has been removed.

3. Assurance that Jefferson Capital Systems will cease further collection attempts or reporting of this debt. 

Supporting Evidence : XXXX XXXX has confirmed there is no such debt under my name. 
Previous communication records where Jefferson Capital Systems was asked to validate the debt and failed to provide proof. 
Documentation of prior CFPB complaints and their outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX VACATION OWN XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX, A XXXX XX/XX/XXXX THESE INQUIRES WERE PLACED ON MY REPORT WITHOUT MY KNOWLEDGE AND THEY NEED TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my credit score but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And XXXX did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!
Product: Debt collection

I was garnished by a company and they can't provide me with an account of my funds. why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with than bank in regards to a late payment reflecting on my credit report. I have had this account for years always paid on time and this particular month I was not able to make payment online do to technical error. unfortunate the payment was reported late after speaking to a representative i was told this would be updated as on time payment with the credit bureau and that never occurred. i tried disputing the late payment with the credit reporting agencies and it kept coming back as verified however i do not believe anything was ever done. i requested to see proof and nothing is ever provided. i am requesting that my report get updated asap to reflect on late payments as the creditor agreed to over the phone back in XX/XX/2018.
Product: Debt collection

Collection company for a medical bill contacted me and stated employment verification had happened and I could be taken to court. They refused to give me the name of the attorney, stating they had XXXX that they used. I asked for the names of the XXXX and was not provided. She argued that they did n't threaten to take me court, but that I COULD be taken to court. They were also very rude when I disputed the bill, stating the doctor 's office had never billed me for it and I did not know the insurance had denied it. 
=They stated I could not do a payment plan without going through their hardship process, which included applying for a loan to get a denial letter, which would be a hit on my credit and more detrimental to me. I was told whatever I sent in would be applied to the bill but that collection practices would continue.
Product: Money transfer, virtual currency, or money service

Hi there, We have a business checking account with XXXX and just want to report a scam. We sent some funds to someone via Zelle and it turns out this person was not who they said they were : My boss saw an ad at XXXX for a golden retriever puppy in XX/XX/2019. She reached out to the " sellers '' to say she was interested in purchasing. Seller responded with some information on the puppy -- age, he has hip issues, amount for purchase. Seller said they were located in XXXX and could drive puppy down to XXXX XXXX that weekend but they would need a {$200.00} deposit. They requested she send via Zelle.  We sent the funds but started questioning information given by the seller. We did some online sleuthing and found that the XXXX address they said they live at does not exist. Seller said they made a mistake in the address and gave us a different street number. That address is a real location but now we're suspicious. Did some more sleuthing and found a XXXX account and XXXX page used by the same email address we sent Zelle funds to. This person 's XXXX page indicated that they currently live in Texas. XXXX confronted them via text about it and the guy eventually came clean that they are in Texas and there is no puppy. 

We filed complaint with XXXX. XXXX took our complaint but said there's nothing they can do to recover the funds since we authorized the transaction even if it was sent to a fraudulent person. We asked XXXX if they could contact the receiving bank to let them know one of their customers was pulling a scam and XXXX said they can't even contact the other bank about it. We tried to call Zelle as well and just got the robot customer service - can't reach a live person. We understand the money is gone but just want these people listed as frauds somewhere. XXXX couldn't even give us the name of the bank that the funds went to so we could call them ourselves. We'll try to make a police report now but not hopeful that will do anything either.
Product: Credit reporting or other personal consumer reports

The late payments listed don't align with my usual payment behavior.
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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX. XXXX, XXXX 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 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: Vehicle loan or lease

Since the inception of the loan my payment has been XXXX. I have made a payment of XXXX and was barely informed it is supposed to be XXXX and I have been getting charged a XXXX fee for paying it late?? I have never been made aware I was late and getting charged for it. Since the first payment was made in XXXX I have been paying more than I should have-XXXX. I have made 49 payments on a 72 payment loan. I would have loved to have been informed I was making extra payments to a late loan. I have attached an earlier statement from as late as XXXX that reflect no late charges. And then all of a sudden my payments are the same and there is a XXXX late charge on it. I attached a late statement reflecting that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX