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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint against Bank of America ( BofA ) regarding recent changes to their checking account packages, which I believe involve unprofessional and potentially deceptive practices. 

In XXXX, I maintained a checking account with BofA under a package that did not incur monthly maintenance fees. Recently, BofA unilaterally changed their account packages and began charging a $ XXXX monthly maintenance fee for my account. Despite my account balances meeting the requirements to avoid these fees under their highest-tier package, I was charged this fee for the first time this month. 

Upon contacting BofA, they agreed to waive the fee for the first month as a courtesy, for which I am grateful. However, I have been informed that the current months charges can not be avoided, even though my balances qualify me for a fee-free account. I have since updated my account package to align with their new requirements, but this process will not eliminate next months {$25.00} account maintenance fee. 

I find it troubling that BofA did not clearly or prominently notify account holders about these changes and their potential financial impact. While BofA provided a general link to learn more about the changes, there was no conspicuous warning on their website to indicate that my account would incur new fees unless immediate action was taken. 

Moreover, I find it unfair and inconsistent that BofA automatically downgraded my account to a lower-tier package, that may result in additional fees, without my consent. Conversely, upgrading my account to a higher-tier package to avoid these fees required my explicit action, which could only be completed after incurring the charges. This asymmetric policy places an undue burden on customers and appears designed to generate fee revenue rather than genuinely serving account holders best interests. 

In my opinion, BofAs handling of these account changes lacks sufficient transparency and prioritizes profits over fair customer treatment. I urge the CFPB to investigate these practices and consider taking action to ensure that banks clearly inform customers about changes to account terms, provide sufficient notice, and implement fairer processes for account adjustments for any newly initiated changes. I find it difficult to sift through marketing materials and important account changes, given the volume of materials the Bank produces, but charge my account and I take notice. Then not accommodating clients to make what would only be considered a no brainier change and avoid unnecessary fees is just unforgivable. 

Thank you for your attention to this matter. I am happy to provide additional details or documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of a sudden on XX/XX/XXXX information from XX/XX/1996is appearing on my Transunion credit report that I dont even owe. I am so SICK on Transunion and their UNFAIR credit reporting which has ZERO factual basis its unreal! Seriously, a 24 year old problem that has been paid off YEARS AGO! I want this removed NOW! They took every federal tax return for 12+ years until it was paid off then it was removed. Again, 24 YEARS OLD!
Product: Credit card or prepaid card

XX/XX/2023 : Went to XXXX to make a purchase and card declined. Called Credit Card company XXXX XXXX XXXX XXXX XXXX, and they stated that I had a {$48.00} payment that was due on XX/XX/2023, that had not been paid. I asked if I could set up a payment for XX/XX/2023 to pay the amount. They stated that if I scheduled the payment, I still will not have access to use the card. I asked if I make a payment today, could I use the card. They stated yes. I made payment and called back. A second representative told me that my card is locked and will be locked until the next billing cycle ( XX/XX/2023 ). I told them that I already made a payment, but they told me that I still would have to wait. I asked to speak to a supervisor and they told me that they would tell me the same thing. I called back a third time and the 3rd representative told me that I would not have to wait until XX/XX/2023, but I still would not be able to use my card on this day because they need to make sure that the payment will go through. They will wait until the payment processes in 2-3 business days, then they will unlock my card. I asked was this in the terms and conditions and the representative looked, but could not find it. I looked myself and did not see in the terms and conditions where they can suspend transactions for being a few days late on your bill.
Product: Payday loan, title loan, or personal loan

1st let me say that my payments are 2 months ahead of schedule. The issue is how OneMain Financial applies my unemployment insurance payment, that I purchased through their company to cover me just in case I was unemployed or XXXX.They apply the payment to benefit ONEMAIN If there are payments received over a 30 day period, let 's say 38 days because I may have gone over 40 to file claim for payment. ONEMAIN will apply the 30 days as a payment and the additional 8 days as interest. Each time there is an overage they would take any overages to benefit ONEMAIN not to reduce my principal thereby reducing my daily interest. There is a partial payment made and a full payment both benefiting ONEMAIN not me It is my payment as I purchased tne coverage O should have a say whete the over payment is applied and I SAY APPLY IT TO MY PRINCIPAL SO MY DAILY INTEREST WILL DECREASED NOT TAKE MY PAYMENT and apply to interest
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a XXXX   dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.
Product: Consumer Loan

American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX | XXXX | XXXX | XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.
Product: Credit reporting or other personal consumer reports

I attempted to log into XXXX 's website and submit a dispute and it ALWAYS say error and does not allow me to do it. There are no fax numbers, email attachments or other electronic methods to submit dispute info AND I am locked out. To add, I was a victim of the XXXX settlement group and I have received info I was breached because of it. I have received no check nor any compensation for this, as I submitted paper work 2 years or so ago showing proof of over a few XXXX in fees, improper interest and other effects from this breach to my data.
Product: Debt collection

Recovery Management Solutions has been told on multiple occasions by family members who they have contacted about a debt they claim I owe to stop calling. They will not stop. They have been informed that their calls are considered harassment and have continued to call back. 

I personally have requested that all communication be made by mail and the calls have continued. I have never received a bill or any other written communication from this company. I have never been informed to whom a debt is owed or an amount. I absolutely will not entertain debt collection activity without an opportunity to validate the debt. This is not an agreement to pay or an acknowledgment that any amount is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to remove a false claim against me off of my credit record. Experian has received a false claim from XXXX XXXX XXXX and XXXX XXXX ; after I disputed, Experian agrees with the liars!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I dont recognize this inquiry. I have called the creditor and TransUnion and let them know I didnt recognize the inquiry but the inquiry still not been removed from my credit report. 

They are violating my rights as a consumer. My following rights:15 U.S. Code 1681- Congressional findings and statement of purpose Section ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experian 's failure to conduct a proper investigation into a fraudulent account on my credit report. Despite submitting multiple disputesfive in totalfor the same fraudulent account with XXXX, Experian has not resolved the issue, nor have they adhered to their legal obligation to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

I have been filing a dispute for months in regard to this account. Each time I submitted a dispute, I provided detailed information and supporting documentation, including the FTC report, my driver 's license, and additional mail that was requested. 

Despite this, Experian has repeatedly verified the fraudulent account without addressing the substantive evidence I provided. These actions suggest Experian has not conducted a proper investigation and may be in violation of the FCRA and the CFPB 's guidance on credit reporting agencies ' obligations.

I request the CFPB to investigate Experian 's handling of this matter and ensure that : - Experian conducts a proper investigation into my dispute, taking into account the evidence I provided.

- The fraudulent account is permanently removed from my credit report.

- Appropriate penalties are enforced if Experian is found to be neglecting its legal obligations. 

This situation has caused significant distress and financial harm, and I ask for your assistance in resolving this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # 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 or other personal consumer reports

Someone used my personal information and opened up a loan with rise credit.I don't know how to use a computer.It was opened online.This company started taking money out of my account.The bank put a stop payment on this company.I am XXXX XXXX XXXX and on a fixed income.This have ruined my credit. My credit score have went down a lot because of this company.I disputed this with XXXX  twice to get no results.I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent the first dispute about negative information being reported on my credit report. i noticed that my name has been spelled incorrectly and that I have seen some unverified accounts being reported on my account in error. Experian, XXXX  and XXXX stated that all of the information as been verified. How is that so if i continue to see that it has not been updated in the last reported and date last active? i have not received a response since XX/XX/XXXX. They have just ignored my disputes and i know under FCRA section 611 ( a ), the CRA must provide a investigation within 30 days. It has now been over 60 days and no response. I have enclosed a copy of my latest credit report which I highlighted all of the unverified, erroneous data that is being reported. I will be forced to seek litigation toward these companies if this situation has not been corrected. This is causing me lots of grief.
Product: Prepaid card

this happened a few years ago the company was cash app. I was in Oregon I had a lot of money on the card went to get gas and I was denied XXXX. So I logged into my account and pages of {$5.00} withdraws. I called cash app filed online complaint closed the account. After a few weeks I called and did talk to a rep whom told me it was getting investigated they will contact me. Never happened I did get a hold of them again and I was told to address the bank that cash app was in business with them, I asked for documents and was told I have to address the bank my contract was with cash app not XXXX  XXXX  .That was another dead end.I was so frustrated fighting XXXX at the same time.I feel like cash app scammed me and they took my money I just gave up I still have effects from that they really hurt me and so many transactions it was obvious I did not make those transactions and it showed XXXX {$5.00} dollars at a time one after an other for 2 days .I even called XXXX that could not help me accept more transactions appeared but denied as I closed the account. Like I said I still have this haunt me. Are they even a bank if this happen to me how many others.I am not letting go they cant do this do you know of others if so maybe legally we can civil filings against them.I dont use them anymore I still have a card different account and when XXXX  put money on it I regretted it and spent it with in 1 hr like a nightmare .If you can help or direct me to others or how to resolve this it would be so helpful thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

My credit card was used without my consent and my bank closed my credit card down due to suspicious/fraudulent activity which led to putting a fraud alert on my file and now I have no choice but to take care of the debt of XXXXXXXX XXXX  that I shouldnt be responsible for, plus fees because of late payments due to not being able to provide for myself at the moment due to my XXXX XXXX XXXX
Product: Debt collection

Navy Federal Credit Union misled its members about its debt collection practices and also unfairly froze me out of my own account without adequate warning. Account is currently closed with credit union not providing online access to make payments, not sending statements or providing a written payment confirmation.
Product: Credit card

I was traveling in XXXX and went to a store where my tap didn't work, so they asked to use the chip. I did and quickly noticed a transaction for XXXX that I did NOT authorize. I called my back and they cancelled the card. My mom, who I was traveling with had the EXACT same thing happen at the same store. Her money at her back was refunded, and Chase Mastercard is saying that I approved this transaction when I did not EVER agree to the transaction. I'm sure there was a skimmer on the machine where I used my card. Chase Mastercard is saying I did approve, when I never did and is asking for me to pay when this was clearly fraud. Why would I spend XXXX on groceries at a place called XXXX XXXXXXXX XXXX and the same exact thing happen to my mom from XXXX XXXXXXXX XXXX for XXXX. I want this removed from my card as I did not ever approve the purchase and it is clearly fraud. I have been with Chase for years and have never filed for fraudulent charges unless it was actually fraud. I've been a loyal, honest customer for years and can not believe this is happening. Also, why didn't chase fraud department call me when a XXXX purchase was made which is CLEARLY a suspicious charge when all of my other charges on that card were for souvenirs and trips in XXXX XXXX It should never matter if the card was still with me, it was clearly a skimmer. Again, I never authorized this purchase and contacted chase immediately with concern.
Product: Debt collection

I contacted XXXX and XXXX XXXX on XX/XX/2023. It took me four phone calls to reach a representative. Once I reached a representative I was hold for 10 minutes. I provided all my information to identify myself for the phone call and was provided unprofessional treatment on the phone call. I was told in previous phone calls with an attorney XXXX and the representative on the phone that the case on this debt would be dismissed 3-4 business days after the XXXX XXXX payment of {$1000.00} as agreed in payment plan. The letter of dismissal was sent via US mail on Tuesday, XX/XX/2023 and XXXX and XXXX is claiming they sent a letter of dismissal to XXXX XXXXXXXX on Wednesday, XX/XX/2023. When I asked for an update today I was provided rude and dismissive treatment. I was then placed on hold and told that we sent the letter of dismissal to XXXX XXXX in the mail and through a fax but that " we are still awaiting the judges signature. '' XXXX and XXXX XXXX is retaliating against me and not having this case dismissed in an expedient manner because of my previous complaints with the CFPB against Bank of America and XXXX and XXXX XXXX. When I stated that we are on a recorded line and that I have filed complaints with the CFPB and will file a further complaint with the CFPB, the representative said " do you have anything else to discuss? '' and promptly hung up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 have performed transaction to transfer money from my ( Sender ) bank to receipent Bank in XXXX for {$320.00}. They told me money will be available for receipent by XX/XX/2021. The have taken out money from my Bank XXXX XX/XX/XXXX or XXXX but didn't submitt to Receipent. On XX/XX/XXXX calling Wester Union they issue me Ref # XXXX .I m trying calling them to give me status or report .They Put me on hold for long time .Can someone please look in this matter and Today is XX/XX/XXXX don't know where my money is. For further inquiry or questions I can be reached at XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was GOING OVER MY CREDIT FILE AGAIN I noticed that I have errors that are still a problem with Equifax. 1. Name is wrongly listed as XXXX XXXX XXXX XXXX 2. I HAVE 3 FILES WITH 3 DIFFERENT CONFIRMATION NUMBERS XXXX, XXXX, XXXX. I need these additional files removed ASAP they are not accurate. This is the 3rd time I have filed a complaint. I am not sure if the data has been updated properly or not? I found Fraudulent addresses and account with companies I have never applied for business with and I do not recognize these companies. 
The following accounts are fraudulent please remove/delete : 1.XXXX/XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX XXXX XXXX 5.XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below I have no knowledge of apply for. I was told by the banks they would remove the inquiries. I have attached letters. 

please delete inaccurate inquiries listed below : XXXX XXXX BANK XXXX XX/XX/2022 delete, XXXX XXXXXX/XX/2022 delete, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXX XXXXXXXX XXXX  delete, XXXX XXXX XXXXXXXX XXXX delete, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete, XXXX XX/XX/2022 delete,
Product: Payday loan, title loan, or personal loan

I took out a loan to purchase a phone. I never got the merchandise and I advised Acima of the situation, the store is no longer in business and I am still being charged. 

I filed a police report and here is the number XXXX.