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

I have a checking account that I've had for quite a few years with Bank of America. 
They told me several years ago that if I had direct deposit there would never be a fee. I had never been charged a fee, regardless of balance, since I have continuously had direct deposit. Recently, for the first time, I was charged {$14.00} on XX/XX/20 and I was charged {$14.00} on XX/XX/20. 
When I called I was told that there is a fee for a balance that drops below {$1500.00} at any time during the month. I told the person that I had been told that direct deposit would waive any fee when I opened the account. They told me they knew nothing about that and that I had an account type called " regular checking '' which is no longer offered but is grandfathered in. 
I asked to have the terms and fees of the the account sent to me. They refused and said I could look online. However, there is no " terms of account for regular checking ''. 
In fact there is no listing of any account that charges a fee of exactly {$14.00}. I spoke to someone twice and both times was told I could not receive the fee schedule or terms of the account that I would see it on my account page. When I check the terms and fee schedule there is no listing of my account type there. 
I have never received a notice of change of terms for this account. 
When I go online to try to find the terms and fee schedule, there is a listing of checking account types but there is no " regular checking '' which mine is named online and by the bank employees I spoke to on the phone. 
I have been unable to get any satisfaction on this issue with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court Sacramento case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by one of the companies that helps me keep track of my credit reporting that an inquiry popped up, I contacted CB INDIGO bank and told them, I was notified of an inquiry, I needed them to remove this inquiry because it was not me. I was notified on XXXX XXXX and I called them directly I spoke with a gentleman by the name of XXXX and he let me know it takes 30 to 60 days and he said I would need to contact the Ftc. I am been a victim of Identity theft, that is why I check my credit daily. I also was notified that Destiny Card did an Inquiry on the same day. I need this inquiries removed off of my XXXX report and the account closed if they were opened asap.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$14.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
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 15 USC 1681. 
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 XXXXXXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$XXXX} ( as of XX/XX/XXXX ) Monthly Payment : {$XXXX} Terms : XXXX  Months Highest Balance : N/A Late Payment Entries : XXXX  days late for multiple months as seen in the payment history for XXXX and XXXX Dispute Summary : I am writing to dispute the late payment entries listed on my XXXX XXXX XXXX account XXXX The account was reported as 30 days past due in my credit report on several occasions, and I believe these late payments were either inaccurately reported or the result of mishandling of due dates. I request that these late payments be removed from my credit report. 

I have never received a proper notice or adequate communication from XXXX XXXX XXXX about these late payments or missed due dates, nor have I consented to any actions that would justify these entries. 

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ) : Section 1681i ( Reinvestigations of Disputed Information ) : XXXX XXXX XXXX failed to correct these late payment entries after my dispute with them, in violation of the XXXX requirement to accurately report information to the credit reporting agencies. 
Section 1681e ( b ) ( Accuracy of Credit Report Information ) : The reported late payments violate the requirement for accurate reporting, as these do not reflect the true and accurate payment history for my account.

Section 1681s-2 ( b ) ( Duty of Furnishers of Information ) : XXXX XXXX XXXX XXXX not investigate or correct the inaccurate reporting after I disputed the payments. 
Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX or any third-party collectors failed to adhere to proper communication practices related to late payments and did not provide sufficient documentation to justify the alleged late payments, in violation of the XXXX XXXX of unfair and deceptive practices.

Truth in Lending Act ( TILA ) : Under TILA, creditors must clearly disclose payment terms and any late fees. XXXX XXXX XXXX did not properly inform me of any late fees or late payment implications, nor did they provide me with a clear notice of the consequences for late payments in accordance with the law.
Product: Payday loan, title loan, or personal loan

I obtained an creditbuilder loan from MoneyLion.com XX/XX/2020 which I paid off in full XX/XX/2020 in the amount of {$500.00}. The loan consisted of me being approved for {$500.00}, but only able to receive {$120.00} due to {$370.00} being held in escrow until the initial {$500.00} is paid back. then theyre suppose to release the {$370.00} credit reserve account immediately after loan is repaid into my MoneyLion checking account on XX/XX/2020. This did not happen because they stated my MoneyLion membership was suspended due to me owing {$9.00}, so that means they still get to hold my funds and not release them until the membership fees are paid. This is not right when membership fees can be deducted from funds which they already have that fully belongs to me. This is a stall tactic and these people need to be penalized and not able to perform these types of business practices in the USA without providing fair and legal protocols. They told me I still wouldnt have access to my funds until 5 business days after membership payment is paid, and another 5 business days until funds would appear in my checking account. This is totally unacceptable a stall tactic in order for these XXXX  people to take extra funds from me in regards to membership fees in the amount of {$9.00} every 2 weeks until the membership is canceled. They need to be stopped and put under a microscope by proper authorities. Please check reviews from other customers online about these people
Product: Debt collection

I closed both my checking and saving accounts with XXXX XXXX  on XXXX XX/XX/2020 because of their poor costumer service. For some reason XXXX XXXX  kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. XXXX  sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?
Product: Credit reporting or other personal consumer reports

It has come to my attention that my credit report contains incorrect personal information, leading to the presence of several unknown and inaccurate accounts that I have no connection to. This issue is causing significant distress and must be resolved immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( block inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. 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 process was unfair and deceptive as they did not comply with error resolution requirements under electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Toda7 XXXX i received an alert that the results of my investigation were ready. When I reviewed the results of the investigation it showed the account as paid rather than removed as requested. This was a medical debt that was paid. I provided proof of the paid medical debt and the case law instructing them to remove the debt from my credit file. I called and spoke to a rep by the name of XXXX employee XXXX and he told me that he did not need to look at my dispute and that the item would not be removed even though I cited the case law to him twice.
Product: Credit card or prepaid card

Citi bank changed my minimum amount due and then lied about why to collect more interest. How is this not illegal?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES 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 XXXX business days after the date of receipt. 
XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I recently opened my Skrill account. My account was instantly restricted after I had {$1000.00} deposited into it. I have reached out to customer support and taken the steps that they have given me. However, Skrill support no longer responds to any of my messages and will not unlock my account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

I am filing a complaint against XXXX XXXX XXXX, a creditor that has persistently called me for years to settle a debt. On XX/XX/year>, I sent XXXX a debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, asking them to provide evidence of all debts they claim I owe. On XX/XX/year>, XXXX responded with an invoice dated XX/XX/year>, for {$50.00} regarding a wrist brace described as " XXXX XXXXXXXX XXXX XXXX XXXX. '' I do not recognize this item. 

Despite years of pestering collection efforts, XXXX produced an invoice only dated XX/XX/year>, just two weeks ago, and made after the validation request. This invoice appears to have been created solely in response to my validation request and is not a genuine or valid proof of debt as required by law. Under the FDCPA, debt collectors must provide accurate and timely validation of debts. This invoice does not meet the requirements under 15 U.S.C. 1692g ( b ), which mandates debt collectors verify the debt that existed before their collection efforts. I request that CFPB investigate this matter, as XXXX 's actions constitute a fraudulent attempt to collect a debt.
Product: Checking or savings account

In XXXX I found that PNC bank had allowed numerous transactions to occur using an expired debit card. I disputed a number of the transactions, and they initially provided me with a provisional credit. Roughly a month later most of these credits were reversed with no explanation. After several months and calls later I finally got on a call with someone who explained the situation. I pointed out that once a debit/ credit card expires all reoccurring payments must be updated by the customer. The representative told me that PNC bank does not have to follow any federal laws and that as a customer I am bound to their rules, and federal law can not protect me.
Product: Money transfer, virtual currency, or money service

I am a business customer. We use BoA to pay bills, receive money and etc. We had initiated a wire at XXXX PST. They held funds til next day. There is not proper reason when the funds were available. They intentionally process transactions out of order and caused this transaction to be held.
Product: Debt collection

I was unaware of this debt and did not have the opportunity to dispute this account. 
Please remove ASAP.
Product: Credit reporting

Equifax is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including Equifax ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed Equifax had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Equifax has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
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 15 USC 1681. 

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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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: Payday loan, title loan, personal loan, or advance loan

The Gave me feedback for the last time report. Or whatever and they lied and said that I opened my account in XXXX when all I did in XXXX is make the credit some larger not make a whole new. Account, anyways, you know what I'm saying, so for them to lie and keep lying like that is not fair and I don't understand why I'm doing business with them. So I will not be paying them anymore and they can charge it off or something, but that's an absolute lie, because I've had that account since about XXXX. Before I went to jail, so shut up. That's XXXX Anyways, they must not be talking about my account.So yeah, I should probably close it or whatever I don't know.Maybe they're maybe I don't think they are, though makes no sense to me
Product: Credit card

There was a charge for {$12.00} for XXXX XXXX on XX/XX/XXXX on my XXXX XXXX XXXX with TD Bank . I was not aware of the charge as I had not approved of any charges to this account. This account was {$0.00} balance for over a year. I found out when I saw that my credit score went down. I went in and made the payment to mitigate any further damage to my score. Over the past year ( it has been longer now ), I called XXXX and also TD Bank to resolve the unauthorized charge. I created this account back in XXXX when I got my cell phone in XXXX. I never enrolled in XXXX XXXX. By XXXX, I no longer had this phone. I was told by XXXX they would remove the random charge but nothing has been done. I told the bank this was a fradulent/incorrect charge but they keep pushing it back to XXXX saying to resolve with them. Neither is providing any adequate assistance in either removing the charge or providing me with support that this charge was authorized.
Product: Student loan

I was a student at XXXX college when the school closed, XXXX of the XXXX colleges. I am stuck paying my private loan in full. How can I get this loan wiped or reduced? My loan was from XXXX but changed their name to UAS. They do not seem like they want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus, and more specifically XXXX XXXX and Experian on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.