23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Concern I'm stating my recent experience with BOFA. I'm using Bank of America account since 2018 and really satisfied their service .But recently for some security issue with the Savings account I just transferred all my money to XXXX XXXX  . As my BOFA acc balance was low i thought they will charge me XXXX $ maintenance fee per month but i was ok with that. 
But recently from XXXX they were charging me XXXX $ ( Overdraft ) for some auto payment. my opinion is if my acc is having low balance then they should decline the payment. But they were charging like XXXX $ and my overdraft amount goes to XXXX . when I checked my statement then I called them and got to know what was overdraft amount. As a student and a small company employee its really hard for me to pay the extra amount like overdraft. Also I didn't know about that. As its my first time. I requested them to cancel and refund me the overdraft amount and in the future I will maintain the balance. But they refused to do that. 
As a service provider they should give better services for the customer. It was my expectation. As this was the first time they should consider the amount after I called them. If that was my concerned i would maintain the minimum balance obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This qualifies as a breach of 15 US Code 1681s-2, which outlines the obligations of those furnishing information to consumer reporting agencies. Their omission of a written notice about the account prior to reporting constitutes a violation. As a result, I insist on the removal of the account from my credit report, as I dispute the claimed debt. 
Furthermore, they have transgressed my rights according to 15 U.S. Code 1681b ( 2 ), governing allowable purposes of consumer reports. This violation is evident in their reporting of the account without obtaining my consent and the misuse of my social security information. In light of being an identity theft victim, 15 US Code 1681c-2 mandates the blocking of such data without my explicit written consent. 

As stipulated by 15 US Code 1681a ( 4 ), consumer reporting agencies are obliged to uphold my privacy rights. Regrettably, this right has been infringed upon by the public disclosure of my information, an action to which I never provided consent to your organization. 

I request the immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.
Product: Prepaid card

On XX/XX/2014 I purchased a XXXX gift card at XXXX for {$500.00}. I also purchased a XXXX gift card at XXXX for {$500.00} the same day. Both cards fail to work when I try to make purchases in stores. I have tried multiple times.I also tried to use the cards to purchase items from XXXX. The cards are not working. When I checked the balance online by entering the information at Vanillagift.XXXX, one card just gives me an error message. The other card shows a {$500.00} balance. 

When I call Incomm to get this resolved, I am placed on a long hold. The representatives I speak with have a heavy XXXX accent, making it very difficult to understand them. They always tell me to try the card again. They don't want to replace the card, and they will not provide a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX - XX/XX/XXXX : UPON DECLARING MY : FIRST AMENDMENT RIGHTS MY CIVIL RIGHTS : TEXAS PRIVACY ACT XXXX MY STATE AND FEDERAL LAWS : TEXAS FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ) ... AS MY PEACEFUL RESOLUTION TO DISPUTE ALL MATTERS. HAS INSTEAD CAUSED A " DEROGATORY '' MARK BEING PLACED ON ALL COLLECTION CLAIMS ALMOST OVERNIGHT. INSTANTLY OPPRESSING MY PURSUIT OF PURPOSE IN MY LIFE.
Product: Credit card or prepaid card

Payments made from XXXX on cards ending in XXXX and XXXX havent posted on statements as terms and conditions have stated which affected my credit. Company wont lower monthly minimum or interest
Product: Credit card or prepaid card

In XXXX, when I purchased an new oven from XXXX, I opened a XXXX credit card, which was issued by XXXX XXXX. In XX/XX/XXXX, the bank informed me that they were closing my account because " a number of dishonored payments ''. However, this was not true and the only payment that had been " dishonored '' was an online payment that was not accepted because of a problem with the bank 's website. After I contacted the bank and told them I believed the real reason they had closed my account was age discrimination ( I am currently XXXX years old ), the bank re-opened my account. 

In the winter of XXXX I was having numerous billing problems with my Lowes credit card account. For example, the Lowes bills I received did not include an itemized list of charges, but simply listed the categories of items purchased, e.g. the bill would say " HOUSEPLANT SOILS AND ACCESSORIES ; GENERAL PURPOSE ; COMMODITY SOILS AND SOIL AMENDMENTS '' with a total dollar amount of {$33.00}, instead of listing the particular items, such as XXXX XXXX Potting Soil, 4 lb bag, with the price of each item. 

I was also recieving email messages from the bank saying that my payment had not been received and my account was past due. However, the due date listed on the emails were not the due date on my bills, and the emails were sent 7 to 14 days before my payment was due. The bank also had charged me several late fees totaling over {$100.00}. The bank was also charging me an interest rate of 24.99 %! And on XX/XX/XXXX the bank sent me a letter saying they had closed my account again. 

In earlyXX/XX/XXXXI filed a complaint with the Better Business Bureau about the bank. OnXX/XX/XXXX XXXX XXXX XXXX, Senior Specialist, Corporate Consumer Relations at XXXX XXXX sent a letter in reply to my complaint and agreed to reverse the late fees totalling over {$100.00} that had been charged to my account, and denied that my " age was not a factor considered in this matter ''. There was no mention of the fact that my account had been closed, but I discovered that my account had not been closed despite the erroneous information contained in the banks letter of XX/XX/XXXX. 

In XX/XX/XXXX, when I went to Lowes to make a purchase, the cashier told me that the charge on my Lowes credit card was not approved. When I checked my account online, it appeared my account had been closed again, despite the fact that I had made every payment in a timely manner and my account balance did not exceed my credit limit. The following week, the bank sent me a letter saying they had closed my account, once again, with a list of bogus reasons for doing so. 

I believe XXXX XXXX has discriminated against me because of my age. And they have engaged in business practices that are fraudulent, or at the very least, willfully negligent. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX
Product: Mortgage

I am filing this complaint against NewRez LLC due to their failure to address a significant issue affecting my credit score. In XXXX, my automatic mortgage payment bounced because of a misunderstanding about deposit cutoff times. I immediately resolved the issue in XXXX by paying both XXXX and XXXX payments. Additionally, this occurred during a time of disruption caused by Hurricane Helene, which impacted our area significantly. 



I mailed and emailed all necessary documents and information to NewRez LLC requesting a courtesy credit adjustment, given my excellent payment history and the extenuating circumstances. However, I never received a response despite my follow-ups. 



This lack of communication and action has caused my credit score to drop drastically, preventing me from opening new accounts and creating undue financial stress. I respectfully request that NewRez LLC acknowledge my case, provide a resolution, and communicate with me regarding the status of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX  XXXX XXXX XXXX two times on XXXX XXXX
Product: Mortgage

I contacted XXXX XXXX, a realtor, about buying a house in XX/XX/XXXX. She highly recommended XXXX XXXX as a mortgage originator. I first spoke to XXXX XXXX around XX/XX/XXXX about applying for a mortgage loan and at the time my credit finances were not in order to qualify for a mortgage loan. I contacted him again in XX/XX/XXXX as my finances and credit would now qualify me for a mortgage loan. In all of the conversations throughout the years I stated I wanted to use my veterans status to qualify for a VA mortgage. When I first inquired about a mortgage loan I worked at my job for two years, which was an incentive based job and that qualified me for a VA loan at that time. I left that job and started a position with a different company that was salary based for 1 year. I then started a job that was once again incentive based, which I am currently working at and have been for 1 year and 6 months. When I once again spoke to XXXX in XXXX I indicated my work history was 2.5 years of incentive based income XX/XX/XXXX-XX/XX/XXXX, 1 year of salary based income XX/XX/XXXX-XX/XX/XXXX, and now 1 year and 6 months of incentive based income XXXX-current. I have included the timeline of conversations with XXXX. 

XX/XX/XXXX - I was pre-qualified for my mortgage XX/XX/XXXX - XXXX confirmed that I would qualify for a VA supplemental loan XX/XX/XXXX - The underwriting process started with AnnieMac for my VA loan XX/XX/XXXX - Transfer of funds from XXXX mutual fund for the FHA mortgage loan closing cost. 
XX/XX/XXXX - I send XXXX my W-2s confirming my work history : XXXX, XXXX, and XXXX XXXX. 
XX/XX/XXXX - I met with XXXX to discuss my financial status and credit worthiness XX/XX/XXXX - I emailed XXXX my assets that would improve my financial worthiness. 
XX/XX/XXXX - I was conditionally approved for a mortgage loan. 
I did not confirm if I was approved for the VA mortgage loan, however I never discussed any other type of mortgage loans other than the VA mortgage loan. I felt ask if XXXX know I had access to the assets if needs to cover mortgage cost, however I did not need those assets to cover any mortgage loan cost or fees. 

I reported my grievances through a company survey. I reported the following : 1. Taxes paid due to using mutual funds for closing cost. 
2. Having to pay mortgage insurance premium ( MIP ) with the FHA mortgage loan that does not benefit me at all. 
3. Not having the opportunity to ask for 6 % closing cost with FHA loans, compared to VA loan that has a maximum of 4 %. 
4. Not having a the opportunity to work overtime to pay of closing cost or the FHA mortgage loan. 
5. Not having the opportunity to use the Supplemental Funds with a VA loans.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX : # XXXX ], [ XXXX XXXX : # XXXX ], [ XXXX : # XXXX ], [ XXXX : # XXXX ], [ XXXX XXXX XXXX : # XXXX ], [ XXXX : # XXXX ] and [ XXXX : # XXXX ] are not complete and not accurate. 

[ XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXXXXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX  : # XXXX ] this account is not accurate and is result of fraud. [ XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX XXXX XXXX : # XXXX ] this account is not accurate and is result of fraud. 
[ XXXX : # XXXX ] this account is not accurate and is result of fraud. [ XXXX : # XXXX ] this account is not accurate and is result of fraud. 

I've sent a letter on XX/XX/2024, asking them to reinvestigate the above listed accounts. I've receieved the investigation results but noticed nothing was modified or updated. 
I've requested a description of the reinvestigation and I haven't received it which is a violation of 15 USC 1681i7. The credit bureau also violated 15 USC 1681 ( 5 ). Are you able to look into this matter?
Product: Credit reporting

I applied for a checking account and was told that XXXX XXXX is reporting a charged off checking account in my name. I have been a victim of identity theft and there were fraudulent loans opened in my name XXXX XXXX was one of the institutions involved. I have filed a police report because of the continued issues that i have been having with identity theft. I am writing in this complaint becauseI have tried to get in contact with Chexsystems and have not been successful in getting helped or located in their system.
Product: Credit reporting or other personal consumer reports

This account is fraudulent I did not authorize this account or any transactions related to the account. This is not by error or a material misrepresentation of fact. XXXX significance of block the information in my consumer report is not evidence of weather the consumer me, knew or should have known that the consumer me, obtained possession of any goods, services, or money as a result of this block
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also co
ntravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM XXXX XXXX XXXX XXXX ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXXY XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained my credit report on XX/XX/2023 and when going through it I noticed a few different inaccuries on it. I then sent out a dispute letter on XX/XX/2023 to certified letter and in response on XX/XX/2023 and verified my accounts. I then sent out a second certified letter asking to delete these items again on XX/XX/2023 and on XX/XX/2023 verified again instead of deleting item as I asked them to.
Product: Money transfer, virtual currency, or money service

COINBASE FROZE MY ACCT ON XX/XX/21 MY ACCT HAD XXXX AND I HAVE TRIED OVER 10 TIMES USING THE COMPANY.S PROTOCOL WITH NO SUCCESS TO ACCESS MY ACCT. RESOLUTION : I WOULD LIKE XXXX PLUS CAPITAL GAINS SINCE XX/XX/21. TODAY BITCOIN IS XXXX XX/XX/21 THANKS FOR YOUR EXPEDITIOUS HANDLING OF THIS MATTER. I AM ANXIOUS TO GET INTO MY ACCT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference ..... 

they are reporting 3 different high credit limits transunion reports {$500.00} XXXX reports {$0.00} XXXX reports {$360.00} they are reporting 3 different dates of last payment on my report transunion and XXXX  are reporting XXXX XXXX  is reporting XX/XX/XXXX but if you look on the 2 year payment history XXXX is also reporting XXXX XXXX  as the date of last payment they are reporting 3 different dates of last active transunion reports XXXX XXXX reports XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Product: Credit reporting or other personal consumer reports

XXXX {$420.00} XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$820.00} MXXXX XXXX XXXX {$1000.00} I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Checking or savings account

On XX/XX/year> I filed 3 claims to have my account credited for fraudulent charges. Only 1 of my 3 claims was reimbursed. It was stated I had given access to my account. However, I had already notified them that I was already having issues with my social and my accounts being compromised due to fraud. I have lost out on over {$3100.00}.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, XXXX has been informed multiple times. XXXX has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXX XXXX  agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.
Product: Credit card or prepaid card

To whom it may concern, I was about to commit fraud without knowing I got a job as a XXXX XXXX with a company that posed as a legitimate company. I was responsible for the payments and was using my bank account as a holding of the money, I was responsible for receiving money, for the costumers to ability to pay for our companies services. i deposited a check to my account and was told that this was a fraudulent case and was handed a paper giving me information about my case and prior cases to my to familiarize my scenario.I called the company that was suppose to have this XXXX and was told that they had no idea this was going on, The Bank fee is at {$140.00}. Thank you, and I hope this fee is waived.
Product: Checking or savings account

Wells Fargo Record : XXXX Opened the account and completed all the required items for the promotional bonus, have not received the bonus as advertised, and the advertised deadline to receive the bonus has already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially borrowed {$22.00} in federal loans, from XXXX to XXXX. I successfully graduated in XXXX and the federal student loan program states i owe {$37.00}. In XXXX I began receiving mail from a company called XXXX, who states they brought my federal student loans. To date my credit reports show I owe {$78.00} in student loans. Two local banks and two mortgage companies have also confirmed these dollar amounts are duplicated all over my credit reports. In other words The federal student loan program tells me i owe them the {$37.00} dollar amount, while XXXX states I owe them these same monies. How in the world can I owe both of them. I have reached out on numerous occasions to both parties with no avail. I never signed anything with this company called XXXX and they have yet to show me proof in writing that they are the true holders of such loans. I have 34 marks on my credit report all from this company called XXXX. This false reporting is causing significant damage to my credit reports and me personally. I am fully aware the XXXX XXXX XXXX XXXX is never updated the way its suppose to be, and this issue is intolerable. I can not get either party to listen to me or fix this horrible problem I am living with. Anyone with a six grade education can view my credit reports and see these money amounts are duplicated, however no one will make any effort to correct this false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX is reporting Personal information name and address reported wrong. 
2. XXXX has another name that's not my name XXXX XXXX not me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.