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

Bank of America offers auto pay of credit card amounts due on their website however there is misleading options which result in the Bank charging interest fees and late fees to unsuspecting consumers who do not understand what they are signing up for. When this auto pay is initiated there are several options namely two options which are offered if payments are to be made automatically : Amount Due and Balance Due. Neither of these are defined online and therefore if anyone incorrectly chooses Amount Due and believes this means what is now due on their statement will be paid it is accurate but it is not completely true. What will be paid is ONLY the minimum amount due not the full amount. Therefore the Bank will assess interest charges which can NOT be reversed if there is an error in choosing this option as I did. I have spoke with several managers at the Bank and they are " unable to correct '' this and will not. If the Balance Due option is chosen to pay the FULL amount, not the minimum amount due, then there is no interest fee charged and again this is unclear. Upon discussing this with the Bank via phone calls there is, by one manager 's admission, ongoing confusion with consumers when signing up for auto pay and the Bank benefits from this confusion by charging their customers interest. It is important for consumers to understand how the Bank offers several options and explain what is being selected and why but Bank of America does none of these on their website where the options are offered. My experience with this issue and the Bank 's inability to accept responsibility for this issue or reversing charges when there was an honest error made with each credit card has lead me to ask the CFPB to intercede and make it clear what one is signing up for or not. Only after speaking with many managers and spending significant time to the last person reverse the interest charge because she saw that I had chosen Amount Due when it should have been Balance Due. This is a confirmation that the Bank has a problem if this one manager would change this because, " there was an error. '' What about all of the other customers who are in error? What about all the interest fees this Bank receives as a result?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account NAME : XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Product: Credit reporting or other personal consumer reports

About I guess a year maybe two ago Id purchased a vehicle and ended up. I did fall behind on some payments ended up basically with Covid and everything had some struggles and I therefore kind of got behind and was discussing it with the company into avoid any issues you know I said he will. Can we avoid a charge off if I just pay it off I was told yes that if you overnight the check to us then it will not be a charge off. It will be paid off and just show paid on your credit report however at this point it now shows charge off and it has been really hurting my credit. Ive tried to work something out with him to no avail and, I just really been a struggle moving forward in any capacity theyve been very difficult
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/19 XXXX {$20000.00}
Product: Debt collection

I have two outstanding debts through XXXX contracting svc ( {$900.00} & {$1200.00} ). One of them has been double reported ( {$1200.00} ). It shows the same debt twice on my credit report. Original date of XX/XX/XXXX. I have disputed it multiple times through XXXX XXXX with no luck of having one of them taken off to reflect that it is only one account owed for that amount. 

In addition to that issue, on my credit report the date referenced does not reflect the actual date of the debt. The amounts are {$1200.00} from XX/XX/XXXX, and {$900.00} from XX/XX/XXXX. On XXXX and XXXX it shows XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 12 USC 1681. 

Account Account number XX/XX/XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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 conviction of crimes which antedates the report by more than seven years.

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

-New mortgage loan with Stearns/  XXXX     XXXX , insurance was paid through my escrow account.    XXXX  I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates  XXXX . I provided  Stearns  with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance.   -I have emailed, submitted to their website, mailed through the  USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill.    XXXX   Stearns sent me  a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on  XXXX / XXXX /  XXXX   in addition to my regular mortgage payment due  XXXX / XXXX /  XXXX   and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage.    XXXX / XXXX /  XXXX   - The customer service rep I spoke to said complete resolution by  XXXX / XXXX /  XXXX  .    XXXX / XXXX /  XXXX   - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''.   -As of today, they are still billing me for insurance. It has been  two  months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months.   -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance company.
Product: Debt collection

At or roundabout at or roundabout XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I was contacted by acima For like the 6 or 7 time and I told them for the 6 or 7 time. Why are you contacting me by debt? That has been discharge as part of a bankruptcy. They continue to arrest me. I would like punitive damages. I would like them to be fine whether the money goes to the cfpb or me, it matters not, I just want them fine. Is harassment? And it is redundant below? I have a touch. The evidence of they call me at about XXXXXXXX XXXX which is after business hours 2 and they talked from XXXX to about XXXX, add told him XXXX that the account that he was calling me about. What's on a bankruptcy? I may have been told this several times and the guy instead, instead, uh capitulating and said he understood he. Chose to continue to try to grill me and uh, uh, and interrogate me, uh, as if he was a law enforcement. 

rewrite Around XXXXXXXX XXXX on XX/XX/XXXX, I was contacted by Acima for the sixth or seventh time regarding a debt that had already been discharged in bankruptcy. Despite informing them multiple times about the discharge, the representative continued to press me about the debt, even after I clarified its status. This persistence felt harassing and intrusive, especially since it occurred after business hours. 

Under the **Fair Debt Collection Practices Act ( FDCPA ) **, creditors are prohibited from contacting you about debts discharged in bankruptcy, making calls after XXXXXXXX XXXX or engaging in harassment or abusive behavior [ 1 ] [ 4 ] [ 7 ]. Violations of these protections allow you to sue for damages, including punitive damages, emotional distress, and attorney fees [ 1 ] [ 5 ] [ 9 ]. Repeated contact despite knowledge of a bankruptcy discharge could be grounds for legal action. 

You should document all interactions ( times, dates, and content of calls ) and consider consulting an attorney to explore filing a lawsuit against Acima for violating the FDCPA [ 9 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Made a payment on due date XX/XX/21 on account ending # XXXX XXXX XXXX XXXX XXXX. My checking account is showing that payment is pending, however Synchrony is reporting on their end as : " You have missed your payment due date. Please schedule a payment today ''. I have spoke with XXXX XXXX care XXXX ( refused to provide more identification ), and she stated that once they get the money, they will remove late payment status. Is anyone out there that can stop this people from reporting incorrect information on consumers? This is only bank that has shady practices. XXXX needs to get involved as well, because in that matter they are reporting year end incorrect information. Please help. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank Of America sent me a credit card that I did not apply for I called them waited on hold an hour got bounced around and they did not have an explanation whyyI received a credit card that I never applied for
Product: Checking or savings account

My CD application of XX/XX/year> was declined on XX/XX/year>, I attempted reaching out via email to inquire and request to provide time frame Customers Bank will be willing to obtain my credit reports for review. After waiting for about a week, there was absolutely no response. Customers Bank are definitely NOT reachable via email even if they claim they can be reached by email. On XX/XX/year>, I went ahead to reapply for the second time, and I also attempted a phone call to Customers Bank customer service on XXXX on the same day, to inquire again after temporarily unfreezing my credit report for review and for Customers Bank to obtain a copy of my credit report. After being placed on hold for a couple of minutes, while on the phone my CD application was declined again ; and when the customer service agent came back on the phone, they stated that I have to reapply. I informed them that I just reapplied and it was declined right there and then while I was on hold. The customer service agent requested that I reapply again for the third time, which I immediately did. On XX/XX/year>, I received an email from Customers Bank, declining my CD application for the third time stating reasons : NO EVIDENCE OF PROPERTY OWNERSHIP, NO EVIDENCE OF ASSET OWNERSHIP.
Product: Mortgage

This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two dispute letters to equifax and i have not got any response.it was inreference to account number XXXX XXXX XXXX XXXX date opened XX/XX/XXXX date of last XXXX XX/XX/XXXX sold to XXXXXXXX XXXX the seven year statute has expired.
Product: Money transfer, virtual currency, or money service

I was a victim of a cash, flipping scam. 
XX/XX/XXXX  Cash app amounts : {$26.00}, {$10.00}, {$110.00}, {$56.00}, {$65.00} XX/XX/XXXX XXXX XXXX amount : {$64.00} They told me to request a refund from the person, however the scammer refuse, and cash app said there isnt anything they can do and to contact the scammer but I can not get a hold of them
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my XXXX XXXX, Experian and XXXX credit report is a fraudulent account and the result of identity theft : XXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXX Police Department Case Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent the following email to XXXX fraud investigation personnel who investigated my case on XX/XX/16. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Hope all is well. As I attempt to have a closure on the recent identity theft activities at my expense, I came to the conclusion that a replacement of my current Texas driver 's license ( with a new license number ) is warranted. My local police officer who has been working on my case informed me that there are still cases where my Texas driver 's license is being used with different people 's pictures on it. I talked to the local XXXX people and they told me that in order to apply for a replacement with a new number, I would need a bank letter at which fraudulent activities occurred ( they DO NOT accept police report which surprised me ). Therefore, I came to you for help. I would need a letter from XXXX XXXX XXXXXXXX stating that a fraudulent auto loan was acquired with my TX driver 's license with a fake picture and signature of course. This document would support my application. Please also include my XXXX and TX driver 's license number in the letter. Thank you so much for your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- However, I received a call from a representation informing me that XXXX XXXX XXXXXXXX would not be able to provide such letter. The standard letter they sent me in XXXX was the only thing they could provide in which there was no reference of what personal identification information of mine was comprised.
Product: Payday loan, title loan, personal loan, or advance loan

my wife and I received a loan from ONE MAIN financial i told the store personnel i did not want any add on products they were trying to sell me i then received a letter in mail stating i had the option to cancel the life insurance policy i had purchased i knew at that time they added this product to my loan i did not feel like talking to these deceptive people so i just let the insurance policy go forward
Product: Mortgage

During periods of XX/XX/2019 - XX/XX/2019, Wells Fargo reported me late on mortgage payments. Upon several requests to change the address for mailing statements ( reasons below ), they refused to update it since it was a joint account. I am the responsible party to make payment but they would not work with me. 

Reasons : I was in process of divorce and NC laws require a couple to be separated for period of one year before divorce can be filed in the district court. I am attaching divorce decree to show the dates of separation and final divorce. 

Wells Fargo could have helped me with updating the address and send me statements so I would not be late on my payments. 

I am attaching my 3 Bureau Credit Report that shows delinquency reported on pages 180,181