23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Based upon Bank of America 's latest response to my last complaint, Their response is absolutely unbelievable and just proves that at Bank of America : " The right hand does not know what the left hand is doing ''. 

It took me less than 15 minutes to do a complete & comprehensive review of what Bank of America sent to the OCC & CFPB and I was able to determine that only Bank of America is 100 % responsible for using false and mistaken information they received from an unnamed third-party vendor to declare me deceased on XX/XX/2023. 

The entire senior executive management leadership team at Bank of America, especially XXXX XXXX XXXX, the CEO at Bank of America needs to be held professionally & financially 100 % accountable & responsible for this serious breakdown in management control and their lack of using human review and oversight along with the appropriate level of due diligence to stop this GROSS NEGLIGENCE immediately. All Federal banking regulators, the XXXX and the CFPB, need to immediately conduct a full and complete independent investigation of all the Policies and Procedures at Bank of America, the second largest banking institution in the United States. This is a very serious situation that might also demand a public hearing before the Senate Banking Committee headed by XXXX XXXX XXXX. I personally would be more than willing to testify if such a hearing would be scheduled. 


Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortinately due to divorce jobless homeless but now back on feet. i became behind on loan with bank of american for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to XXXX XXXX XXXX. i started contacting them. The big problem has been a continuious issue with credit reporting between BOA and XXXX  due to they are linked companies. I have kept a good payment record with XXXX but the problem was BOA would be reporting wrong if i disputed my credit accounts XXXX-present. BOA is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's  .After several months of fighting between BOA and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. BOA is reporting late payments to date on their closed account with me. This was transfered to XXXX inXX/XX/XXXX how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX i was calling back and forth between BOA and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from BOA with filed dispute and BOA own investigation with XXXX investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.
Product: Debt collection

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified on XXXX and XXXX but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from XXXX years ago with recent activity. as of XXXX XXXX XXXX  and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX XXXX Balance Owed : {$590.00}
Product: Debt collection

On XX/XX/2024, I disputed an inaccurate account reported by XXXX XXXX on my Experian credit report. The account, which was charged off and sold to XXXX XXXX XXXX XXXX, remains listed under XXXX XXXX despite their relinquishment of ownership. This reporting is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

XXXX XXXX no longer has a permissible purpose to report this account, as it was sold and likely claimed as a tax deduction. Experian updated the account but failed to remove it entirely. This unresolved inaccuracy harms my creditworthiness and creates financial stress. 

I am requesting CFPBs intervention to ensure Experian removes this account entirely from my credit report and provides written confirmation of the removal.
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 tak-timely and effective measures to prevent : 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 ar address fraud on their platform, leaving m account vulnerable and unprotected.

+ Furthermore, their dispute resolution process 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at about XXXX ; XXXX I received a text message from Bank of america saying someone tried to charge {$580.00} on on my debit card. I text back No. 
Next comes a phone call from Bank of America, a person Identifying himself as XXXX with BofA ID XXXX XXXX, asking if I authorized purchased of A Airline ticket of {$900.00} in Arizona, I said No. 
He mentioned another charge, but I cant remember who or how much, by noq I was upset. 
He also asked if I had zelle anyone, I said No. 
At this time he said he would check my security on my account, and will send me some codes and repeat them to him. Those nrs where, XXXX, XXXX He told me not to go to my account for XXXX to XXXX hrs due to BofA whats to check IP adresses to see where the fraud was coming from, and that fraudster use codes to get what they want.He said he call me back at XXXX ; XXXX next day, I waited till XXXX XXXX ; XXXX and I checked my account and found {$14000.00} missing thrue XXXX to a person named XXXX XXXX, At no time did I commit to any type of transfer, XXXX, nr or accont Nrs
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to  report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Student loan

I called to notify my lender that I was still XXXX in order to get an XXXX deferment on my loans and payments due ; however I continued to get statements showing a payment due as well as accumulated late fees. I called again to inquire as to why I am still being charged late fees if I am enrolled in school half time. I was told by a representative that they had not received proof of school enrollment through the national clearinghouse. I then asked if the late fees would be reversed once my enrollment and date showed on the national clearinghouse site and I was advised that those late payment fees would still apply even after my enrollment date shows I was eligible for a XXXX deferment. I was then offered to be put into a forbearance status until they receive my enrollment proof ; however this would count against any future forbearance that I would be eligible for and the representative did not reveal this information to me until I asked. I immediately contacted my university that I 've XXXX with since 2014 and was advised that they send enrollment information on the XXXX of each month ; therefore I feel as though Navient is charging me unnecessary late fees and ultimately causing my payments and interest to be higher. My payment was not due until XX/XX/XXXX and I was already XXXX therefore Navient should not charge me late payment fees.
Product: Mortgage

Ditech, formerly Green Tree Servicing is the mortgage servicer on my Home Equity line. I just began my repayment period. They are trying to charge me an interest rate and payment that is clearly in violation of my contract. I have no problem paying what I owe and have never been late on a payment, but when the telephone representative reads the contract with me, but the company says they ca n't find the information and must review it, they are trying to collect extra interest that is clearly in violation of my contract. 
When I inquired about this mistake, they listed it as a dispute on all XXXX credit reporting agencies, so now unless I agree to pay the incorrect amount I ca n't get this dispute closed. They are definitely dragging their feet because the correct interest rate and principle balance are stated right on my monthly statement. Yet, the payment due reflects and interest rate XXXX points above that.
Product: Credit reporting, credit repair services, or other personal consumer reports

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX. BeginningXX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX and XX/XX/XXXX. After searching by my SSN, it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XXXX throughXX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the XXXX late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} XXXX was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Yesterday after 4 months XXXX issued a refund. And now it is gone cause my account to appear negative it should be over by almost {$40.00} last night I made deposits. This frequently happens with this bank to collect over draft fees of {$36.00}.
Product: Debt collection

I received a voicemail from ( XXXX ) XXXX " This is XXXX XXXX contacting you in regards to your claim being filed through XXXX county by law have to make you aware that want your claim number as the XXXXXX is file through the county it does become a matter of public record and there is an order for your location since I wasn't able to reach you by phone I have been instructed to contact your employer because it looks like that is going to be your likely place of lactation the store you do have the legal right to contact the office that is processing your claim however you would need to speak to them before your claim is filed once your claim is discharge from their office all of your legal rights will be forfeited the number that will be provided for that office is XXXX again that phone number is XXXX You XXXX legally notified by telephone and you will be located unless I a.m. instructed otherwise I called the number back at XXXX XXXX XXXX claiming to be a " XXXX XXXX XXXX '' They repeated over and over that they are only a third party notifier about legal proceedings. I then informed them that legal proceedings always have paperwork and that I never received paperwork from this " debt collector '' nor this I allow for them to call relatives and harass them. I asked for a website or a business name that I could look up and then the person on the line got rude and did not want to answer any more of my questions. I hung up and got on the FTC website ASAP and filed a claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Asurint informed me that they had performed a background check for a potential employer, and that I could review the report information. Upon reviewing their report, I found that they had the incorrect institution for my XXXX XXXX XXXX. After informing them of their mistake by telephone ( the link to their FCRA dispute form was broken on their website ), they informed me on XX/XX/XXXX, that the incorrect information was, in fact, correct, and that they were closing the dispute. 

I checked again on XX/XX/XXXX, and found that the incorrect information was still present, and the link to their FCRA dispute was still broken. This is highly unacceptable, and shows how little Asurint cares about maintaining correct information and complying with the FCRA by providing a working dispute mechanism.
Product: Credit reporting or other personal consumer reports

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. Ally Financial is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. Ally financial is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This account is being reported by IC System , Inc from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone XXXX XXXXXXXX XXXX XXXX # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.
Product: Mortgage

I worked wit h Franklin Credit to  arrange a payment plan to get back on track after experiencing financial hardship. On  XXXX / XXXX / 17  I submitted a down payment as requested and have yet to receive any documentation stating that they received they payment. Today (  XXXX / XXXX / 17  ) I called them to ask if they had received my wire transfer in the amount of {$1900.00} and I was told that I would not be receiving any documentation on the status of my loan unit the repayment plan was complete ( 24 months ), and they also would not verbally tell me if the original down payment was received. I tried to call an additional 3 times and either got hung up on, or was transferred to a managers voicemail that was non existent. I find this very hard to believe and I feel uncomfortable paying additional payments if they can not verify to me that they are receiving payments.
Product: Mortgage

Dear Sir/Mam
In an ongoing investigation of my mortgage payments and escrow account with XXXX XXXX we have come across numerous attempts by this company to committ fraud and cause us injury by changing our mortgage payments and principal amount of the mortgage.Specifically, Loancare processes and withheld payments in suspense accounts that were for mortgage payments. Then when question and notified of this continue to manipulate the payments by changing the amount on the principal balance of the mortgage. Then they went back almost a year and change payments that were already made by myself to cover it up calling it misapplication reversals. They continue to cook their books and the process has been riddled with error all along. However, we kept copies and we attempted to communicate constantly with them questioning why they were doing this. Yet received numerous answers which did not correct the errors. I have recorded phone calls, I have print outs of the history of payments before and after they changed these payments around and the principal mortgage. This fraud needs to stop. They are taking advantage of veterans and the VA Loan system and it should be against the law. LoanCare has failed to conduct escrow analyses correctly and sent some me the borrower  escrow statement where the mortgage balance has increased instead of the principal balance decreasing. They have increased our monthly payment as a result of these errors as well. Today when I logged in to make my mortgage payment now says I am 30 days behind. We are not 30 days behind nor have we ever been. Our mortgage payment went from XXXX to $XXXX because of their escrow errors and now they note online we are 30 days behind. When will this stop and what will the charge us for a mortgage payment next. Just pick a number?? I will attach the before they cook the book mortgage history and what they changed it to after the claim they missplication reversal payments. Please investigate LoanCare. LoanCare is taking advantage of this VA Loan. I can't seem to get a straight answer from thier customer service. Today I was given two different amounts of payment due, its ridiculous. First I was told we owed  XXXX, then we were told we owed XXXX. We were so tired of the errors with the escrow we asked them to let us pay our own tax bills/homeowner insurance. They denied us the ability to do so. Then we asked for an analysis and things got worse.  We can't keep going like this it is to stressful. Please investigate this.  Please view the Payment history dated XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. Pay close attention to the principal balances and the escrow paid and balances. There is something very wrong. Very soon I will be paying an accounting firm to review these documents as well and run a private analysis of all funds paid and escrow. Thank you for your time. 


XX/XX/XXXX Veteran
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.