23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 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. 16815-2 ( AN1 ) 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 have depicted the dates and misinformation from Bank of America employees dating back to XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time Equifax had discovered they 'd been hacked on XXXX XXXX, XXXX, they allowed my personal information to be taken and several months had already gone by. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports and accounts on a weekly bases. 
I have been in contact with Equifax and I have a conformation number witch helps them monitor my account, so they say. I now have to sit and wait to see what happens? It 's now going to be a pain just to open a new credit card or any thing else. I 'm sure it 's just a matter of time before my accounts start getting hit
Product: Credit reporting or other personal consumer reports

I have been trying to research the issue first before making any false allegations. I have reached out to the IRS and they found the Identity Theft to be true. I have submitted several documents showing them the transaction made by this person at different banks for years and my XXXX XXXX has not been changed. I suspect XXXX to be my step mother XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX. She may have used this after the XXXX  of my father XXXX XXXX XXXX. She has used aliases name for year on her record and she has used aliases name saying that I did it after I was forced to be separated from my Ex XXXX XXXX XXXX XXXX in which she probably made him use my information to throw off the police dept. She used to work at XXXX XXXX XXXX XXXX in XXXX, XXXX. XXXX is a doctor who prescribed the wrong medication so that she may control our finance and any inheritance from my father such as a trust fund that I never received. She complained that she had been with my father for years and couldn't get any of the money or assets when he passed away because they were divorced before he XXXX. She then used his sister XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. My XXXX XXXX was higher while I reside at a shelter where they were fearful to use any money or social security number or benefits after filing Identity Theft and police reports.
Product: Checking or savings account

When I withdraw cash ( {$5000.00} or less ) from my money market account the tellers ask what I am am doing with the money. I find this is a violation of my privacy and I have filed a complaint with the Credit Union. They have not given a valid reason for asking other then to say its preventing " money laundering '' and several other invalid excuses. One excuse was for " my protection ''. They have since stopped asking but never acknowledged the privacy violation. I find this practice extremely disturbing and makes me wonder how else are they violating my privacy in ways I don't yet know about?
Product: Credit reporting or other personal consumer reports

My credit score goes down wether my credit usage goes up or down.
Product: Consumer Loan

Wells Fargo Dealer Services keeps placing insurance on my vehicle after I have provided proof of insurance.
Product: Debt collection

I have been trying to get validation from this company all they keep Sending me is a old credit card bill. I never had either of the credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to report that Affirm loan was paid in full back on XX/XX/2022. XXXX supposedly contacted Affirm that said the account balance was correct and the loan was not paid off. I received a letter from XXXX stating this on XX/XX/2022 ( See Attached ). I have also attached documentation that the Affirm loan is paid in full ( See Attached ). I'm not sure if XXXX really looked into this dispute, since if they did, then why would Affirm state that this loan had a balance because according to their own computer information this loan was paid in full on XX/XX/2022. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA went into my account with out my permission cause me to receive a hard inquiry I never open a account with this company dont no who they are
Product: Credit card

In XXXX of XXXX I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my BoA balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my BoA balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to BoA. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that BoA is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.
Product: Checking or savings account

In XXXX of XXXX I had my debit card stolen when I contacted chase they kept my account overdrawn from the left then resent me a new debit card with the same number on it. I could not use the card. I then talked to someone about canceling my account. I was told I would then be receiving a paper check in the mail. Had to verify my address and everything. It is now XXXX of XXXX. Every month I have received emails that the balance was going down. Every month I called and would have to verify my address all over again. I have now received an email that I have XXXX $ ( was XXXX $ ) in the account that I had closed back in XXXX of XXXX. Today I was told they closed my debit card not my bank account and have been charging me monthly fees to keep it open. I have verified this account was closed every month. They have stolen almost XXXX $ from me and still have not closed the account. I do not live near a chase bank so I am unable to go down to the branch myself. Today I was told they would investigate but it could take a few more weeks. Of which I will be charged AGAIN the monthly fee on my account I closed in XXXX of XXXX. Why close my debit card not my account. They are stealing from me and blamed me for their mistake while refusing to fix it.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX Florida ( Previously XXXX XXXX  XXXX Florida ) had been charging me rent after my departure. I broke the lease, but following my departure tenants had signed the lease for the same unit, meaning XXXXXXXX XXXX was charging the following tenant AND me at the same time. The amount is {$9100.00}. 

The account was then sold to the debt collector Aldous and Associates and put on my credit report.
Product: Money transfer, virtual currency, or money service

I sent {$3200.00} to my fianc on XX/XX/22 and MoneyGram did not send the funds. My fiancs   bank said they havent received any deposits from MoneyGram. They havent did anything to see where the funds went and only opened an investigation which they havent gave us any information on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed letters to the XXXX, Equifax and XXXX about innacurate information reporting on my credit reports and I have recieved no response, they are supposed to respond back within 30 days and they have all failed to do so. This is causing me so much stress and keeping me up at night. Please help
Product: Mortgage

My wife and I have a mortgage loan with JP Morgan Chase. We have had this mortgage for the past 10 years. In 2007, when the economy crashed, our $ XXXX home was now only worth {$170000.00} per the appraisal. We have attempted to have a loan modification twice in the past 5 years. Our modifications request were based on the monetary status the house was now worth ( UNDERWATER ) and the {$13.00} XXXX dollar settlement between the government and JP Chase. In XXXX attempts, we were denied. We requested a lower interest rate and a reduction in principle. We would like our case reviewed as JP Chase is not complying to the governments mandates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Bank N.A. is improperly and impermissibly reporting an account to the XXXX, XXXX and XXXX consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XX/XX/2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Bank account or service

I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen to me.
Product: Debt collection

Eastern Account System Inc. is reporting a collection account in my credit report that was paid on-time to XXXX XXXX XXXX the original owner. The account was paid with a XXXX  XXXX XXXX check # XXXX. This check was sent to XXXX  XXXX XXXX on XX/XX/2019. They cashed the check with a XXXX XXXX  account XXXX. I have made several dispute with XXXX  and the account was get updated as paid, however this account doesn't belong to me since it was paid on-time to the original owner. I have sent letters to Eastern Account System Inc. demanding that they remove the inaccurate from XXXX credit report but nothing has been done. They have remove the inaccurate reporting on XXXX  and XXXX, but not on XXXX.
Product: Debt collection

I originally corresponded with Transfinancial Companies on XXXX2022 requesting proof of contract, all original documentation with my signature, also providing a contractual obligation directly between myself & Transfinancial Companies and I have not received it. Transfinancial Companies is reporting that I owe a " Medical Debt '' to them for the amount of {$1100.00}. I have NO contractual obligation to Transfinancial Companies, never the less a medical debt obligation. This a clear breach of my Hippa rights. Transfinancial Companies should NOT be in receipt of my medical information, nevertheless reporting to my XXXX, XXXX XXXX XXXX reports such a fraudulent medical account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank has a duplicate account being posted on all XXXX of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all XXXX bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has XXXX late payments on a secured credit card and one has XXXX late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Debt collection

I spoke with an agent on XXXX at XXXX and told the agent that the debt did not belong to me. I explained that I have had this same charge removed from my credit report twice prior. I have not opened any accounts in my maiden name since XXXX. The agent told me that they will make this note to let the company know. I told her thank you and she said have a great day. The next day I received notification that they placed it on my credit report again. Now I have to go through all of the steps once more to have it removed.
Product: Credit reporting or other personal consumer reports

This account was paid off in full in the month of XX/XX/XXXX somehow XXXX XXXX XXXXXXXX took the payment back after XXXX confirmed and accepted payment. It was after I was locked out of the XXXX app that I realized there was something wrong I was further denied access to the checking and savings accounts along with making in person payments at the sister branches in which payment would be made through due to this credit union not having any local branches in my area and the blocked access to the accounts and use of the payment options through the sister branches I had no way of fixing this issue as the address on the back of the credit card is incomplete/not the correct one to send payment to once something like this happens. It was not until XXXX that I discovered/received a letter stating that the account was charged off. I did NOT receive any 1099 form reflecting the charged off amount, but yet I was told that the other accounts would remain open until XX/XX/XXXX, then closed and at that point I can reapply for membership but not guaranteed to get XXXX due to previous history. I was sent an email on how to make payment for the full balance which I remitted a Cashier 's check to XXXX in the full amount due. XXXX received the payment accepted the payment cashed the check and still reported/updated this account as being accurate Charged OFF unpaid. So basically, we have an issue where XXXX Wrote Off the {$1900.00} and received certified payment of {$1900.00}. as of XX/XX/XXXX which they continued to report inaccurate information at this point XXXX has written off this debt as a loss and then collected full amount due while failing to provide the XXXX credit bureaus with true, accurate and correct information.
Product: Debt collection

If the hospital doesn't send me a bill I do not have to pay the bill. I should receive notice of a bill before it is sent to a debt collection. 
MID SOUTH ADJUSTMENT C Account XXXX How do I know how much the insurance company pays without a bill. My physic ability isn't working at the moment. If they send me a bill I will pay them.
Product: Credit card

I have debit cards on a Fidelity XXXX XXXX account and those cards are managed by BNY Mellon. On XX/XX/XXXX, a fraudulent transaction of {$740.00} ( posted XX/XX/XXXX ) was made and I called Fidelity to close the card, ending in XXXX to prevent further fraudulent transactions. While investigating our account in detail, additional fraudulent transactions were discovered : {$650.00} XXXX XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$370.00} XXXX XX/XX/XXXX {$390.00} XXXX XX/XX/XXXX All transactions were to XXXX, to which we neither made nor have an account. This information was provided to both Fidelity and to BNY Mellon 's fraud department. A formal appeal was received by BNY Mellon 's fraud team on XX/XX/XXXX ( via certified mail ). Messages left to BNY Mellon 's fraud team have not been returned. The investigation and settlement is well beyond the times stated in the cardholder agreement. The {$740.00} charge has been returned to our account, but the remaining debits to our account for over {$3500.00} are still not returned to our account.
Product: Mortgage

On XX/XX/XXXX I paid an extra {$2000.00} specifically to principal on the Nationstar /Mr. Cooper website yet the company chose to apply that XXXX it instead to interest and principal for a future month and only a small remaining amount to prinicpal. My online confirmation for the transaction that clear shows {$2000.00} was for principal. I was able call and ask to have the payment applied to principal, but i was able to find out that I did everything right and they could not explain how this " error '' occurred. I believe this was actually a company practice in an attempt to perpetrate a fraud on unwitting customers.
Product: Debt collection

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

account # 46 original creditor XXXX Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors. 
Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities
Product: Credit reporting or other personal consumer reports

I never gave written consent for these companies to have access to report anything without my consent which is a violation of my consumer laws 15 usc 1681e ( a ) ( b ) and violation of 15 usc 1681c LIST OF FALSE INQUIRIES : XXXXXXXX XXXX XXXX XXXX JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My brother sent me XXXX from his XXXX XXXX checking account to my Bank of America checking account via XXXX. He sent me the money on XX/XX/2021. I got an email from XXXX stating You received XXXX from XXXX. The money was taken out of his account but never deposited into my account. XXXX XXXX  will not credit him back. We have been calling both banks since XXXX and both banks keep referring us back to the other.
Product: Debt collection

During a Natural Disaster in Florida, They extended the deferral period of payment in which I requested which affected the whole XXXX  region of the USA. Legally they were not supposed to reflect negative payment history or close my accounts. After, Nationally XXXX XXXX  hit and I informed them of me being XXXX from work due to requiring both XXXX XXXX XXXX XXXX XXXX I still kept payment plan. However, I had a change in family dynamics due to my son which is in my care I had to take care of which is XXXX. I have communicated with Citi bank with no resolution and tried to see if I qualify for a charge-off on this account. Due to me being retired on a fixed income and having to take care of my XXXX son. The original creditor did not reply to my mail notices. They did not communicate that the debt would be transferred to a debt collector. Also, during both natural disasters they did not follow the law and reported me delinquent, and the CARE ACT was in affect during this timeframe. They never verified or update contact information or attempt to assist and XXXX  XXXX  individual by taking advantage of me and threaten me with a lawsuit although I was in communication with them. Now, they took legal action with a third party without contacting legally as a creditor and violated my rights as an XXXX  consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : 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****. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.