23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America Credit Card XXXX XXXX XXXX After my XXXX or XXXX credit card late fee from BoA I'd had it. The problem, it's always been too difficult to set up XXXX! 

On XXXX XXXX, 2024 I searched How to set up Auto-pay on via search on their help page with no success, because no easy links were to be found. On the make a Credit Card Payment webpage, when I clicked the " (? ) How to '' button, it would show a drop down menu for a fraction of a second and disappear before you could click any option. One option appeared to show " Set up Autopay '' but I couldn't click it in time. 

Later on XX/XX/year>, I called and spoke to a BoA representative and they quickly showed me all I needed to do to set up Auto Pay was turn on something called " ebill '' then auto-pay options appeared!

The " (? ) How to '' drop down of course functioned correctly after speaking with the representative & setting up " ebill '' and auto pay, and I could click the option for more help to set up autopay.

In summary, at best, it is pretty clear to me they buried how to set up auto-pay info, couching it behind " ebill, '' and at worst they coded in a glitch to make it so the " (? ) How to '' on their credit card payment page didn't work and further hid how to set up autopay. Probably cost me around {$100.00} in late fees over the years till I got annoyed enough to track this down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Security Freeze at Equifax. I have tried 4 times to lift it. All I get is a message : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

This temporarily has been going on for months. I can get my current Equifax Credit Report but I can not get it to lift the security freeze on its website. Followed instructions : " Please give us a call. We can't complete your request at this time. 
Please call the Customer Care team XXXX '' Have tried this 3 times to no avail. I input all of the required info it requests straight from my Equifax credit report. Get to the end and get a recording : Im sorry we cant help you. No reason. Once I got a live rep who could barely speak English. Same response. Im sorry we cant help you. No reason. '' Sent required info my mail. No response. No action, No lift. I can not get a new credit card from XXXX because of this. 

Sending copies of my Drivers License & W2 statements w my SSN by mail or fax is totally insecure but I have done it in order to get a security freeze lifted. Still has not been lifted. 

I am able to get my security freeze lifted at XXXX  and XXXX over the internet with ease any time I want. But not at Equifax. 

But that does not help me w any company that uses Equifax to check my credit.
Product: Credit card or prepaid card

I saw a solicitation online and called the acquisitions department to get further clarification. I spoke with an agent and they told me they couldn't advise if I was eligible without applying for the card. I asked to speak to the manager because that did not seem right. After a 15+ minute hold, the manager was unable to tell me if I would be eligible for promotion or not. He told me I must apply for a product that costs {$550.00} annually. When I asked if they could confirm the promotion and told me what made me ineligible, he responded " I don't have that information in front of me ''. I asked if he could look it up and he just repeated, " I don't have that information and I don't do that. '' I asked him to submit a UDAAP complaint which was not filed or any information taken for. When I asked if he could take my application, the manager said he doesn't do that and I can go online and apply. I asked the manager to please hold for me while I applied online and he promptly hung up. This was unfair and an extremely deceptive practice. 

This happened on XX/XX/2021 2021
Product: Checking or savings account

Hello I have Citibank account and I just open my account like 5 days ago Im a new customer and I deposits a check of {$1500.00} into my account and they return the check back and also they told me my account is blocked and is going to be closed I dont understand why if the deposits came from me and they saying that is was suspicious of what if I deposit the check my self can u please help can I apply for a new account? Or what should I do? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX informed me that XXXXXXXX XXXX XXXX  made the inquiry. XXXXXXXX XXXX XXXXXXXX only had authorization to submit a soft inquiry, this inquiry by XXXXXXXX XXXX XXXXXXXX was not authorized. I have contacted all involved institutions but XXXX XXXX XXXX will not remove the hard inquiry. XXXXXXXX XXXX XXXXXXXX has not contacted me. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX must contact the reporting credit bureau for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX equifax and XXXX and nothing is reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified my credit file was pulled by transform credit. I did not authorize this as I do not know what company this is. I have contacted the company requesting me giving them my authorization to pull my report and was told they do have the information.
Product: Student loan

I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.
Product: Mortgage

I received a {$100000.00} check from XXXX insurance for a hurricane Ian claim. Regions released the sum in stages subject to their inspections that confirmed the repairs were made and completed. I then received an additional payment from XXXX for the remainder owed for that same claim. Regions is refusing to issue that check to me, for > {$140000.00}. They have the check now for over a month - generating interest for themselves on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 
15 usc 1681 section 602 state I have the right to privacy.

15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 usc 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XXXX XXXX He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/. I need this removed from my credit. Thank you for your time.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Va,21066 XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Dispute Regarding Violation of Consumer Rights by Collection Agency To Whom It May Concern, I am writing to bring to your attention a serious violation of my consumer rights by [ Collection Agency Name ]. Despite repeated attempts to resolve this matter directly with the collection agency, they have failed to adhere to federal regulations outlined in 12 CFR 1006.34.

Firstly, [ Collection Agency Name ] has neglected to provide validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite numerous requests, they have not furnished any documentation to verify the validity of the debt they are attempting to collect. This lack of validation is a direct violation of my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account, as stipulated under 12 CFR 1006.34 ( c ) ( 4 ) ( 0 ). The collection agency 's failure to provide me with this basic right further underscores their disregard for consumer protection laws.

In addition to these violations, portfolio recovery associates has engaged in deceptive and misleading practices in their attempts to collect the alleged debt. Such actions are in clear violation of consumer protection laws and have caused undue stress and hardship.

It is imperative that portfolio recovery associates ceases all collection activities immediately until they have complied with all legal requirements and provided me with the necessary disclosures as mandated by law. Failure to do so will result in further action being taken to protect my rights as a consumer.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against portfolio recovery associates for their blatant violations of consumer rights.

Thank you for your attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

When Bank of America transferred servicing of my loan to XXXX they had added {$16000.00} of interest to the principal without providing me with a Form XXXX for that interest. They called the interest deferred interest without sending me a Form XXXX or reporting it to the IRS. Bank of America ( BANA ) was involved in a class action suit ( XXXX v BANA ) in 2014 over deferred interest. In that case the bank admitted they had changed their system to not report deferred interest as required by law. After the case was settled they sent corrected Form XXXX to the mortgagees of loans that they were still servicing but not to mortgagees of loans that servicing of the loan had been transferred. They did add the deferred interest to the principal before the transfer and when asked about it after the court case continued to call it principal that did not have to be reported. In the first complaint I sent to the CFPB they answered it with the usual it is deferred intereast and is principal and is not reported. They CFPB Bulletin of 2014 stated " A transfer does not relieve transferor servicers from their obligations under 12 CFR 1024.35 and  .36. Transferor servicers are obligated to respond to notices of error and information requests from the borrower ''. I requested the corrected Form XXXX within one year of the time BANA admitted in court to intentionally not reporting deferred interest. I have attached copies of my records and the Banks activity history printouts that match my figures and states what they have done. That is, add deferred interest to principal do not report it to IRS as income and do not report it to mortgagee as interest on Form XXXX and they transfer it to another finacial institution for full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

We're currently applying to do a cash out refinance on our current home and our lender found an issue on my wife 's credit report. It is showing that we were late paying our mortgage for 120 days and it shows it being a student loan ... ... how is this even right? 

You can see the details on the screenshot. The entry was posted on XX/XX/2021. We paid our house in full on XX/XX/2021. 

We were wondering why our credit report took a hit and couldn't figure out why until a year later! This is absolutely atrocious and damaging.
Product: Credit card or prepaid card

I bought a XXXX XXXX thru my daughters XXXX XXXX account ( XXXX XXXX, order # XXXX ) with my Chase Amazon card ending in XXXX at the beginning of the year. I tried the bed for a month or so, but I couldnt adjust to it. I made 2 minimum payments while trying it out. I called to return before the trial period was over. Im enclosing the receipt from XXXX authorized rep. of the bed being returned. He said that it would be donated. 
The next bill I received still reflected the balance. I called Chase Amazon to dispute ( prematurely ). The next bill reflected a XXXX balance, but the next bill had the balance re-applied. 
After many hours on phone with XXXX, they had me contact 3rd party XXXX. Im enclosing their response of the investigation. Chase XXXX refuses to credit me. Someone has the money. I have a bill for a bed that I dont have. Nobody wants to take responsibility.
Product: Debt collection

ON XXXX of 2020 credit collections issued a collection for {$2.00} on behalf of XXXX XXXX XXXX. I have reason to believe that this debt is fraudulent. I never conducted business with XXXX in 2020.
Product: Consumer Loan

I paid my vehicle loan in full, never late, paid in full, a few years earlier than it was supposed to be. Since I paid it in full, WFAuto Finance, has reported that I was XX/XX/2016 ( I paid in full on XXXX/XXXX/16 ). After I disputed, WFAuto changed it from XX/XX/2016 to XX/XX/2016. I disputed again, and they moved the late to XX/XX/XXXX and XX/XX/2016!
Product: Debt collection

I have a debt from child birth that was sent to H & R Accounts in XXXX of 2015. I had XXXX medicaid and health insurance, and the medicaid took a bit longer to cover the cost. I have contacted the hospital in which the debt was owed, who state I now owe nothing - I have a XXXX balance, because it was paid. I have contacted H & R Accounts XXXX 5 times in the last few months attempting to get this removed from their records and taken OFF of my credit. I am told different things each time I contact them and I am not sure what else to do. I have disputed this credit, and the dispute did not change anything but H & R accounts came back with a derogatory remark on my credit. The hospital ( XXXX XXXX in XXXX, NC ) is attempting to contact H & R to have this removed. I need help with getting this removed from my credit, since I DO NOT OWE IT.
Product: Credit reporting or other personal consumer reports

I submitted a request to XXXX, XXXX, and Experian on XX/XX/XXXX to remove any identity theft statements and to remove any credit freeze on my accounts. However, I have not yet received confirmation of the request 's completion. Could you please verify the current status of my credit freeze with each bureau
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IA, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Improper Debt Notification and Unfair Collection Practices Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an issue I am experiencing with a debt collection practice that I believe violates my rights as a consumer. 
Recently, I was served with a small claims court case in which the plaintiff is requesting over double the original amount of an alleged debt. Prior to this lawsuit, I had never received any formal notification of this debt, nor does it appear on any of my credit reports. The lack of transparency and failure to properly notify me of this debt has put me at an unfair disadvantage and raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
The following issues outline my concerns : 1. Failure to Provide Proper Notification I was never informed about this debt before the lawsuit was filed. Under federal law, I should have received a written notice detailing the amount owed, the creditors name, and my right to dispute the debt.

2. Debt Not Listed on Credit Reports The debt does not appear on any of my credit reports, making it difficult for me to verify its legitimacy.

3. Excessive and Unjustified Amount Sought The amount requested in the lawsuit is more than double the original debt, which seems unreasonable and potentially unlawful.

4. Unfair Collection Practices Filing a lawsuit without prior notice appears to be a deceptive and unfair collection practice, possibly violating my rights as a consumer.

I respectfully request that the CFPB investigate this matter to determine whether the collection agency or creditor has violated any consumer protection laws. I also ask that they be required to provide full documentation validating the debt and justifying the excessive amount being claimed in court. 
Please advise me on my rights and the appropriate next steps to resolve this matter. I appreciate your attention to this issue and look forward to your response. 


Sincerely, XXXX XXXX
Product: Mortgage

XXXX  home mortgage loan from wells Fargo. 
XXXX I had some legal issues that required me to spend some time incarcerated. 
I wrote wells Fargo a certified letter from the county jail asking to modify my loan as I would be integrated for a while. I had my wife call numerous times just to be told they couldn't discuss my loan with her since she wasn't on loan. My wife couldn't afford to pay the whole mortgage as she was a home maker and I the bread winner. She had to move out and when I got out I had lost everything. House, cars, my family. I have been homeless ever since with a few places I have rented since. This foreclosure killed me, my credit and my stability. Had they just worked with me to stop this foreclosure my life would be a lot different today. I purchased this home in XXXX at XXXX $ it's now valued at XXXX XXXX I believe that's half a XXXX dollars on damages.
Product: Checking or savings account

On XX/XX/XXXX I paid XXXX XXXX out of my checking account. Next, I paid XXXX again on XX/XX/XXXX in the amount XXXX from my debit card. I filed a dispute with WellsFargo to get my overpayment. Wells Fargo honored the request. They say the transaction and refunded me XXXX. It should have been over at that point. I was made hole. 
XX/XX/XXXX check XXXX Paid in full XX/XX/XXXX Debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XXXX debit XXXX ref # XXXX and XXXX - They want to open another claim. I refuse because they don't really understand their own procedure. The first claim XXXX was closed in error by the agent. Prompting her to open the second claim XXXX. 

I have called several time to clear up this simple transaction. It is a mess. As you can see I have been debited 5 times and only credit XXXX. Plus the check has been paid in full. XXXX has removed the XXXX from the account. Monday XX/XX/XXXX when I called the representative stated it was over 120 days and I will receive my funds back. As of today XX/XX/XXXX this has not happen. So I called, only to be told they have an additional day to think about this transaction. I was also told that the XXXX was debited my account accurately by one agent. Another said he did not understand because it should have been a credit and they debited it instead of credit. I have been told by the Executive Team that this was clear ( XX/XX/XXXX ). I would not be charged anymore, hence you not seeing a transaction for XX/XX/XXXX. 

I want my XXXX refunded. I want to close this account. Wells Fargo is no longer competent to handle banking transaction. They made this mess and they can not seem to understand their own mess. More qualified personnel need to be hired. Not degree individual but qualified. They should be able to read debit and credits. Please assist me in getting my money back and closing this account. I have lost confidence in WellsFargo. Their banking practice 's should be audited for accuracy.
Product: Debt collection

XXXX keeps calling and leaving messages on my cell phone, I only use my cell phone for friends and family and do not give it out to creditors or retailers. I give my land line number to creditors and retailers to avoid cell phone charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, XXXX, and Experian has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and Experian has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.