23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written
consent.
Product: Student loan

I have been enrolled in PSLF for about 10 years. When Fed Loans acquired my loans from my servicer, there were 21 months of payments that were not credited. I have been enrolled in autodebit payments from my bank account and have called, emailed and corresponded with FedLoans over the years with no resolution of the issue. I have been told the update would occur, but it would take a few months. Each time I contact them, I am told to call back in a few more months, that the agent on my case has since moved on, or that the case has likely been resolved according to their notes and the count has been updated. This has dragged on over the past 4 years. I have attached my correspondence and notes over the years with the attachments.
Product: Credit card or prepaid card

To Whom It May Concern : My Bank of America account statement ending in XXXX and later XXXX shows a payment, a balance of {$12000.00}, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against Bank of America, Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX  XXXX. I asked Bank of America to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with Bank of America they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and Bank of America are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Arizona XXXX ATTACHMENTS Hawaii dispute XXXX  ( XXXX XXXX XXXX Hawaii XXXX XXXX proof of delivery - second package.XXXX ( XXXX KB ) XXXX  credit card documentation XXXX ( XXXX KB ) XXXX XXXX XXXX Proof of Delivery XXXX ( XXXX XXXX XXXX Bank of America - Written notice of the unauthorized debtXXXX  ( XXXX KB ) XXXX XXXX  XXXX proof of delivery - first packageXXXX ( XXXX KB ) XXXX XXXX XXXX  XXXX ( XXXX MB ) View full complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with the XXXX  credit card was never late. I have tried to reach out to XXXX  and the credit reporting agency with no luck.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX both my husband and I requested our annual free copies of our LexisNexis Consumer Disclosure. After receiving a letter in the mail with a URL and PIN to receive my report, I followed the directions to download my report and received a " File Not Found '' error. When we received the letter for my husband 's report, the same issue occurred. 

I attempted to call LexisNexis via their posted phone number however there is no option to speak to a person even though it was during their posted business hours. 

I sent an email to XXXX explaining my issue. 

On XX/XX/XXXX, we received another set of letters with new URLs and PINs to receive our reports and followed the instruction again. This time we are receiving an " Invalid Pin '' message asking us to call the number I called before that does not have a way to talk to a live person. Once again, it applies to both reports. 

There does not seem to be a way to speak to someone to gain access to our free annual report.
Product: Credit reporting or other personal consumer reports

The account with LVNV Funding is what XXXX keeps allowing to report on my credit file with them and through them while XXXX and XXXX has suspended reporting this creditor who purchases bad/old debt and harasses me for money. I've never done business with LVNV Funding nor do they have my permission to report on my credit files. I have been flagged for my XXXX XXXX XXXX XXXXXXXX due to this illegal act and breach of the Fair Debt Collections Practices Acts.
Product: Mortgage

1 ) US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is requiring payment for an insurance lapse XXXX ( {$340.00} ) caused by liquidation of her insurance company XXXX XXXX Insurance effective XX/XX/XXXX XXXX The insured had paid in full for coverage beginning XXXX in good faith and was never notified by XXXX XXXX Insurance or her local insurance agent of this liquidation 2 ) Insured was informed of her lack of coverage from XXXX XXXX Insurance by US Bank on XX/XX/XXXX and immediately secured coverage beginning XX/XX/XXXX that satisfied US Bank . Insured was notified in writing by US bank on XX/XX/XXXX that no further action was required on her part. ( Note : Insured is a XXXX XXXX XXXX widow and her affairs are being handled by her daughter holding a financial power of attorney. 

3 ) Insured has been notified by US Bank that a charge of {$340.00} will be added to an escrow account in order to secure coverage ( In arrears ) for the period of XXXX. 

4 ) Multiple attempts beginning XX/XX/XXXX to resolve this issue with US Bank via email, phone conversation and writing have been unsuccessful.
Product: Credit card or prepaid card

I have tried to call their number on the back of their card XXXX and getting my card unlocked. IT is partially unlocked I can make payments etc but I can't change my address bc I put in three numbers on the back wrong, yet no problem when changing my password. MAIL has been stolen at our address. POLICE were informed. Hence needed mail to be sent to this address : XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX. But I can't update that in AMEX system. So if they don't update my address and send confirmation to this address then we will have an issue as I won't be able to get any of their mail. I need them to change the address to what I provided and unlock whatever parts they have locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request to equidax t investigate XXXX XXXX/XXXX   XXXX to submit signed document per validation since the year XXXX. No information was supporting documents validating I own this account has ever been sent. I am unable to do dispute online this creditor due to re-investigation STatus remark which denies me to re submit online dispute since XX/XX/XXXX therefor my right to dispute has been denied to me. I called equifax and spoke with XXXX XXXX 0n XX/XX/XXXX who advise XXXX  XXXX XXXX XXXX  and XXXX will be deleted due to statue of limitation and they are passed the deadline for investigation, the confirmation he provided me with is XXXX. The representative basically lied and all has been done is a deletion of the remark has been removed and not the the account collection. I am requesting for equifax to accept responsibility that they have reached the proper deadline and are over the limitation to re investigation for over a year of re- investigation status. I am not allowed to file a disputes over the phone by mail and by internet each options has been denied with remark account under re- investigation. XXXX the customer service agent did not delete as provided on the phone call he just deleted the remark which is very deceptive. Please also reference credit report XXXX on XX/XX/XXXX that has remarks as well account under investigation until current. They were unsuccessful in the investigation they have not provided validation of these fraud accounts as promised. I am requesting to remove/delete entirely due to statue limitation has been reached.
Product: Mortgage

My family was recently affected by XXXX. We entered into a forbearance period with our mortgage provider. Upon ending the forbearance period I applied to the XXXX assistance program. After speaking with my XXXX case XXXX, they stated that in order for them to issue a payment to my mortgage servicer they had to be enrolled as a participating partner. After speaking with customer service reps from my mortgage service provider, they stated if they were not a participant then it was above their pay-grade to make that decision and couldn't help. 

I'm not sure what to do next... I don't want to lose my home because my mortgage service provider does not want to accept payments from the XXXX assistance program...
Product: Credit card or prepaid card

I 've had a XXXX account with Bank of America ( formerly MBNA ) since XX/XX/XXXX. On XX/XX/XXXX at XXXX I received an e-mail from Bank of America ( BAC ) informing me that my Virtual Card was deleted for XXXX. When I called BAC to inquire, they told me that the XXXX account was closed and that I was mailed a letter informing me that it would be closed on XX/XX/XXXX for inactivity if I did not make a transaction. When I questioned how this could happen without informing me first, they told me that either a letter was mailed or an email was sent. I told them I received neither. They offered to open a case # for someone at BAC to research the issue and I agreed. On XX/XX/XXXX, they called to let me know that the case investigation was completed. In speaking with the assigned person at BAC, he confirmed that BAC had no record of a letter nor did they have a record of an email being sent to me to notify me of the impending account closing. If I had received such notification, I would have made a transaction which would have maintained the account in Open status. He placed notes in the file confirming this and then transferred me to the Credit Dept. where I was informed that they could not re-open the account and that I would need to re-apply if I wanted the card again. They said this was non-negotiable. I feel this is unfair treatment of a consumer and that they should take responsibility for their inaction by not mailing or emailing the notice to me to give me the opportunity to maintain the account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!
Product: Checking or savings account

Bank of America claims to have resolved this issued because of the {$10000.00} I have lost, they have refunded me a total of {$1500.00}. That is only 15 % of the total amount I lost and that is their solution of a resolution and they then closed the claim. This bank has done nothing to help ( me ) it's customer other than denying the facts. They claimed that I have made large purchases like this repeatably in the past ( untrue ) and that there were security measures in place that I approved of. I didn't legally approve of them because I was XXXX XXXX XXXX per my police report that I filed and therefore it was not legally contract with me that made these purchases. Identity theft which is a form of fraud ( In police Report ). Also, if security measures we're in place, large transactions like this would not be approved at XXXX in the morning. Yet jus like what big banks always do, rather than protect their customers first, they always make sure they never lose money, even if it's ethically wrong. 

On the night of XXXX XXXX  I was wrongful defrauded, and drugged by I believe strippers in XXXX XXXX. They took a total of at least {$10000.00} using my drugged state to send themselves XXXXXXXX XXXX  debit card, and XXXX XXXX payments cleaning out my entire bank account. XXXX, they were all sketchy payments to names I have never sent money to before nor had prior activity for especially the amounts that were being sent. I went to Bank of America to file a claim and they said it was a robbery only not fraud and only the police can do something about it. I was going to file a police report but after doing research, this XXXX happens all the time, you maybe hear from a detective in 10 days and then nothing happens they always get away with it. I filed a claim for fraud with Bank of America and they denied it. I looked up the definition of fraud and it states : wrongful or criminal deception intended to result in financial or personal gain. Wow, sounds very much like what happened to me. In my head, I thought, what is the point of having a bank if they don't even protect you with things like this? there isn't. And Bank of America can even replace {$10000.00} to help a wronged customer? Like they don't have the money. Anyways, I'm grateful I'm alive, it could have been much worse but I am disappointed in the way the Bank of America Associates treated me, like I was the big XXXXXXXX XXXX  and why should I help kind of attitude. The worst customer service I have received and treated by a bank. And they didn't provide a service they claim to provide to the customer. I also filed a previous complaint with CFPB and Bank of America replied back they are still working on it, yet the document below clearly show 's that they already made a decision on one of the two claims related to the matter. Another lie from Bank of America. See the documentation for yourself below along with the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. Transunion sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.
Product: Debt collection

On or around XX/XX/XXXX or XXXX, XXXX, a toll charge of {$1.00} was incurred on a Massachusetts toll road. I am a long-standing XXXX customer in good standing. Critically, I received no notification whatsoever of this toll charge from XXXX or any other entity. I was unaware of any outstanding toll balances until I attempted to renew my driver 's license several months later. At that time, I was informed that I had unpaid tolls that needed to be resolved before my license renewal could proceed. 

To determine the amount, dates, and origin of these tolls, I proactively contacted Penn Credit Corporation, a debt collection agency, to inquire about the balances. I explained that I had received no prior notification and sought to appeal or reduce the additional fees, aiming to pay only the original tolls. Penn Credit Corporation informed me that the total amount due was {$29.00}. This amount included a {$20.00} XXXX  fee, {$4.00} in Penn Credit 's own personal fees, and {$1.00} per month in late fees, along with other administrative fees. My customer ID with Penn Credit Corporation can be supplied if needed. 

I contacted both Penn Credit Corporation and the Massachusetts Department of Transportation ( XXXX ) to dispute these excessive fees. Both entities stated that the {$20.00} XXXX fee is unchangeable. I argued that I should not be held responsible for fees incurred due to a complete lack of notification of the original {$1.00} toll. I also raised the possibility of a systemic error in the toll collection system that may have failed to read my transponder on the date in question. 

After having lengthy conversations on the phone with both XXXX and Penn Credit Corporation, I felt as though my hands were tied. Due to the urgent need to renew my driver 's license, I was compelled to pay {$28.00}. Penn Credit Corporation offered a laughable reduction of only {$1.00} from the total {$29.00}. However, I am submitting this complaint to contest the validity of these charges. Penn Credit Corporation was unwilling to consider any further reduction of the fees, insisting that the {$20.00} XXXX fee is fixed, and that their additional {$4.00} fee and the monthly late fees were also valid. I believe this is an unfair practice, as I was not given any opportunity to pay the original toll amount before substantial fees were added. I am requesting that the CFPB investigate the debt collector 's practices and the validity of the imposed fees, and that I only be held liable for the original {$1.00} toll amount. The fact that I was only informed of this debt when attempting to renew my drivers license, and then had to reach out to the collection agency myself, is a demonstration of the lack of proper notification, and that Penn Credit is adding their own fees to an already inflated amount.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute against TransUnion and XXXX for continuing to report inaccurate information regarding my auto loan with XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This reporting has severely impacted my credit score and financial standing, despite the fact that the loan has been paid in full and was never late.

Violation of the FCRA and FDCPA : FCRA Violations : Under the FCRA, credit reporting agencies are required to ensure 100 % accuracy in all the information they report. Both TransUnion and XXXX have failed to comply with this standard. The XXXX account in question is being reported as late and possibly still open, when in fact : The loan was paid in full with a payment of {$29000.00}. 
XXXX has confirmed that the loan was paid off and the account closed. 
I have received the title to the vehicle, clearly stating that I am the owner with no lien holders.

FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information. TransUnion and XXXX have failed to meet this obligation by continuing to report inaccurate and harmful information about this account. 
FDCPA Violations : The FDCPA requires that all communications related to debt collection, including credit reporting, be accurate and truthful. Reporting false late payments and maintaining an open account status when the loan is closed is a direct violation of this act. Additionally, I have never consented to reporting late payments because this loan has never been late. 

Supporting Documents : Title of the vehicle, proving I am the owner with no liens. 
Proof of full payment of the car loan, including the overpayment check returned to me by XXXX. 
A letter from XXXX, thanking me for paying the loan in full and confirming the account closure. 
Despite this overwhelming evidence, TransUnion and XXXX have continued to report inaccurate and false information, which is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and FDCPA provisions on accurate debt reporting.

Request for Immediate Action : I am requesting the CFPBs assistance in ensuring that TransUnion and XXXX : Immediately remove this inaccurate XXXX account from my credit reports. 
Update their records to reflect that the XXXX loan is paid in full and has never been late. 
Comply with the FCRA and FDCPA by ensuring that my credit reports reflect 100 % accuracy as required by law. 
The continued reporting of this false information has caused significant damage to my credit score, resulting in lost opportunities, including a job and disqualification from a home loan. I ask for your swift assistance in correcting this issue. If this matter is not resolved, I will be forced to take legal action to seek compensation for damages caused by this wrongful reporting. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response and a resolution that corrects these violations of my rights.
Product: Money transfer, virtual currency, or money service

CashApp is arbitrarily cancelling and rejecting my law firm clients from paying us as little as {$2500.00} on a regular basis. We believe someone there is targeting us so that we cant earn money. Please investigate and advise.