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

Bank of America prepaid debit card division has been blatantly violating federal and state laws that protect consumers such as myself for over the past year by summarily denying legitimate claims all without an investigation. I have filed numerous claims, some fraud related and some due to issues with overseas ATM machines whilst I was travelling. Customer service, when contacted on the telephone, has claimed that there were thorough investigations, but I am positive that this was a lie. When I asked customer service to send me proof and the results of the investigations, they have been unable to i provide a single piece of evidence. I have received numerous 1 page form letters that state that the documentation used to deny my claims were included with said letter, but none were actually ever included, leading me to believe with certainty that Bank of America were denying claims without thought or investigation, and denying me the due process afforded by state banking laws in California and federal laws under regulation E. When I call challenging their contention that no evidence for investigation was sent me, agents literally have no idea what to do, can not confirm anything other than form cover letters were sent me, and they state that they will file a complaint, which they have done many times, but they are never followed up on by any representatives of the bank. I believe that Bank of America is breaking the law, not investigating, and they or their computer systems are denying legitimate claims intentionally in an effort to save money, with the end result being they are stealing money that should have been refunded me. I have all the evidence I need now to file suit in civil court, with evidence of blank letters with no investigative evidence sent me ( attached below ) and I plan on making claim through the courts if I do not receive my refunds or an explanation within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> RE : XXXX XXXX XXXX XXXX - LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX XXXX Dear LVNV FUNDING LLC, I am writing to formally dispute the collection account listed under your agency. I have reviewed my records, and I believe that this account is inaccurate or does not belong to me. 
I do not recall this creditor, and I believe this account is account to be beyond the statute of limitations. 
Under the fair debt collection act ( XXXX ), I request that you provide me with the following information : XXXX. The original creditors name and address. 
XXXX. The amount of the debt and a detailed breakdown of how it was calculated. 
XXXX. Copies of any documentation or contracts that substantiate this debt. 
XXXX. Proof that you have legal right to collect this debt on behalf of the original creditor. 
XXXX. Any other supporting information and/or documentation showing that this debt is valid. 



Until this dispute is resolved, and the requested information is provided, I request that you cease collection efforts on this account and refrain from reporting this item to the credit bureaus. 
I appreciate your prompt attention to this matter and look forward to receiving the necessary documentation to verify the debt. 

Thank you for your cooperation, XXXX XXXX
Product: Student loan

I have faithfully been making payments on time since the day my loans were in repayment. Suddenly today ( XX/XX/XXXX ) when I access my online account to get tax documentation for my accountant I shockingly saw a letter threatening loan defaulting and negative reporting to creditors over an overdue {$5.00} interest payment from XX/XX/XXXX that I WAS NEVER NOTIFIED ABOUT!! I have even called to speak with XXXX about questions I had should I change employers and whether or not I'd still qualify for PSLF if I did between now and XX/XX/XXXX and no one could mention to me about this {$5.00} overdue payment?? What's the point of XXXX having my contact information if they don't call, email or write any letter or warn me in any way of what is going on??!! I'm horrified and want the issue resolved. Since discovering this today, I went ahead and scheduled to pay the monthly balance on monday XX/XX/XXXX since payments aren't accepted on weekends and today is Saturday. On XX/XX/XXXX, I hope this can all be resolved and I do not want anything negatively reported to any creditor and if it has been since XX/XX/XXXX I want it removed and taken back. I plan to file a negative credit dispute with them and will take this to my state attorney general for further support and for XXXX to take accountability of their improper management and neglectfulness on communication.
Product: Credit reporting or other personal consumer reports

I did not make or give authorization to consult my credit or make a hard inquiry and said inquiries affect my credit. I request that the following hard credit inquiries be removed from my credit report : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 2024
Product: Money transfer, virtual currency, or money service

I had several unauthorized withdraws in which I have no clue on who these people are it said I had a bitcoin account which I never did a cerebella that I gave money to have no clue when that is and XX/XX/year>. I was in XXXX  that day and it says that I was requesting money from somebody. also, I found out that there was two accounts, both with personal and business accounts on them that I did not authorize. and there was another account taken out under my name that also had business and personal on their in which now theyre telling me I can not access. And I noticed double payments on my phone bill that are outrageous.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you
Product: Credit reporting

This is a follow up to my first complaint. This name is not my correct name. Look at the incorrect spelling of the last name on the statement and the card they issued. They are reporting it on my credit report as delinquent and as resolved with me at fault. This is wrong. Please help me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, Experian, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with XXXX. XXXX is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with XXXX multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that XXXX updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I've been a homeowner for over the past 10 years and have never had issues with my loan. In approximately XX/XX/XXXX, my mortgage was transferred over from XXXX  to Dovenmuehle and I've been experiencing problems with the new lender. Two issues persist despite my repeated attempts to resolve this internally : 1 ) I've provided Dovenmuehle with proof of hazard/flood insurance FIVE times now - twice through the online system at XXXX ( XX/XX/XXXX ; XX/XX/XXXX ) and three times directly to XXXX ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) per the customer service representative 's recommendation. Recently, I've additionally followed-up with Dovenmuehle at least two times by phone ( XX/XX/XXXX ; XX/XX/XXXX ) to confirm receipt of my submissions but am always told they were never received. I really don't know what to do at this point. I need to be refunded {$2900.00} for insurance that was purchased on my behalf when I've already submitted proof multiple times. I live in a condominium and insurance is always purchased by the HOA. I've never had issues in the past providing this information to the lender, prior to the transfer of the mortgage to Dovenmuehle. I'm starting to wonder if anyone is working in the Insurance Department at all.

2 ) I had an appraisal on XX/XX/XXXX and the mortgage company cashed my {$470.00} appraisal fee on XX/XX/XXXX. I have yet to receive notification that PMI will be removed from my loan.
Product: Credit card

I am writing to formally address an issue that I encountered with my XXXX  account. In XX/XX/XXXX, I contacted XXXX regarding the fact that I had not received my card or any billing notifications. I requested that my card be reported as lost, and during that call, I was assured that my bill had been paid in full. 

However, in XX/XX/XXXX, I discovered that Comenity Bank had been trying to contact me as a call came through as Comenity and I had answered it and no one responded, there were 2 or 3 more calls so I realized that it eventually occurred to me that Comenity was XXXX and not spam. I reached out to them directly to understand the situation and learned that a {$6.00} interest charge had rolled over, which led to late fees. By the time I became aware of this issue, they had already reported it to the credit bureau. At this point, I still had not received any billing statements. 

For reference, during this period, I successfully opened and paid off a new XXXX XXXX card in full without any issues, demonstrating that I have a history of timely payments and no patterns of late payments on my credit currently or even historically. 

I request that this issue be investigated and rectified, as the lack of billing statements and the misinformation regarding my account has caused unnecessary harm to my credit. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

An online scammer scammed me out of {$24000.00} from a wire transfer from Navy federal & {$500.00} from navy federsl XXXX account ive been trying so hard to get my retirement money refunded. i sent Navy federal all screenshots and correspondence from this scammer the bank where it was sent to XXXX XXXX said i would have to see my bank NFCU ive even went as far as not only going to my local police ive put in tiredsely calling these banks where the wires were taken from again my bank has the last say to return my funds .. im XXXX XXXX XXXX and need my funds returned and these scammers caught i did put in with IC3.gov & FTC.gov Im just tired of trying and getting know where.. i have all the proof of the scammers or scammer.. i need your help Please sincerely XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that has been reported to my credit by National Recovery Agency, acting as a debt collector for XXXX XXXX XXXX. I was recently contacted by National Recovery Agency and informed that I allegedly owe a debt associated with XXXX XXXX XXXX. Upon requesting details regarding this debtincluding the amount, date of occurrence, and locationI found that the information provided does not match my personal records. 

This debt is not mine for the following reasons : The name on the account does not match my own. 
The address associated with the debt does not match any address I have ever lived at during the timeframe of the alleged debt. 
During the time this debt supposedly occurred, I was living in XXXX, Florida, which is miles away from the reported location of the debt. 
Additionally, this fraudulent debt has significantly impacted my credit score, creating major obstacles as I am currently in the process of purchasing a home. 

It is also important to note that I was a victim of identity theft during the same time period. In a previous case, an individual fraudulently used my personal information to open a DirectTV account under a different address. At the time, I also filled out a police report due to a stolen rental car containing my personal information and firearm. I had to file a complaint with the CFPB in 2023 to investigate and successfully have that fraudulent account removed from my credit report. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.
Product: Credit card or prepaid card

I made several large purchases on my Chase Sapphire Reserve credit card when I moved across the country earlier this year, intending to use the My Chase Plan feature to pay some of the large purchases off over the course of a few months while saving on Interest, as their website advertises. However, the payments I made towards my credit card did not reduce my principal in the way that I had expected it to based on the advertising and disclosures provided by the bank. My understanding was that any payment made to my account beyond the minimum payment due ( which included my normal minimum payment amount, a portion of the purchase covered by the My Chase Plan payment feature, and a fee for using My Chase Plan ) would go towards the balance on my account which would be subject to interest at the time of my next billing cycle. 

My XX/XX/2021 statement showed a total statement balance of {$5300.00}, of which {$2200.00} was subject to a 3 month My Chase Plan and {$6.00} was the fee for using that feature. This left me with a minimum payment of {$800.00} and my expectation was that {$1500.00}, or 67 % of the balance subject to the My Chase Plan, would be exempt from interest the following statement cycle. Based on this understanding, I made payments to my account during the month of XXXX totalling {$3800.00}, leaving a remaining balance of {$1500.00}. However, my XX/XX/2021 statement showed {$38.00} in interest charged, significantly more than I would have believed based on the terms of the My Chase Plan. A later plan that I set up in XXXX for a 6 month repayment of a purchase totaling {$1800.00} is showing as paid off as of my XX/XX/2021 statement, despite also being charged {$65.00} in interest for the period. 

I believe the terms of the feature on this account were not clearly explained in any disclosures provided and could easily be misinterpreted by customers and is likely to lead to harm to customers with that harm outweighing the benefits of the product, and advertisements for the product do not offer clear and conspicuous terms, resulting in potential violations of UDAAP, TILA advertising, and TILA payment processing requirements. I believe I have been improperly charged interest totalling {$130.00} and fees totalling {$24.00} for an account feature that did not have the expected or advertised benefits to me as a consumer.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Military member which was XXXX and XXXX in XX/XX/XXXX. I requested CA Mortgage Deferral under CA Military Veterans code for 180 days with XXXX XXXX XXXX. While they were veryfying eligibilty the mortgage was transferred to New Penn Financial / Shellpoint in XX/XX/XXXX - XX/XX/XXXX. New Penn Financial was unaware of the Deferral, they 
eported the loan delinquent and started the foreclosure process. Upon arriving back into the US I worked with New Penn Financial to provide the same info required for the Deferral with XXXX XXXX. Initially they stated they do not Defer Mortgage, in XX/XX/XXXX they finally stated they would. Any payments made before would not bring the account current, they required all payments from XX/XX/XXXX to be paid. The house has been sold and Mortgage paid in full as of XX/XX/XXXX. Both Mortgage companies were at fault of not following SCRA proctections available to me as a Military member.
Product: Checking or savings account

XX/XX/2018 I was charged a fee of {$120.00} to my XXXX XXXX XXXX Business account for a tax levy by the state of California . I had been working on a payment plan and the Franchise Tax Board mishandled my account and did not process my paperwork. After speaking with an agent at the Franchise Tax Board I was able to have them send a release because this was an error on their part and get the payment plan submitted. 

I called Bank of America who holds my account to verify the release and request the refund of the {$120.00} because XXXX the Franchise Board agent told me she would be sending that release yesterday. They had received it. After confirming receipt I asked the fee be waived because it was an agency error same as a merchant error. I did everything I was supposed to. The agent got extremely aggressive with me. She stated that I needed to get the {$120.00} from the California Franchise Tax Board. I explained that they would not refund a fee that they did not collect. And usually when this is done in error to a client banks have been obliged to refund that fee. I told her I understand if it is a normal levy that was done properly. But this was an admitted mistake by the agency. Also in the past Bank of America has waived these mistaken levy fees before. She became more hostile and disrespectful in which a that point I asked for a supervisor. 

I was transferred to a gentlemen named XXXX who was very polite and stated that even though the Franchise Tax Board was at fault and this does happen a lot including to him. That the bank would not refund the fee. This is an issue of principal because had this been any Merchant or other company mistakenly charging my account I would have received a refund. Instead I was insulted, disrespected and told to ask the agency who did not charge the fee for a refund. 

I believe this is a fee hungry bank that is escalating abusive fee practices when a client is still charged for a mistake by a government agency.