23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Structured settlement. XXXX XXXX has called my place of employment XXXX times today demanding to speak to me. The first XXXX times he called the main XXXX number and demanded to speak to me. Ive been making payments since XX/XX/XXXX. I Missed a payment Thursday XX/XX/XXXX due to lack of funds. I called to rectify it and explain I didnt have enough money for their increase in payment amount ( which I was told I could rehash at the time of them upping it ). I was attempting to make half a payment and set the other half the next week. He refused to talk to me just said theyd garnish my wages since I had XXXX strikes against me already. I hung up because he wouldnt say anything but theyd seek legal action. I then called back and asked for anyone but him, twice I was transferred back to XXXX XXXX. After I hung up the second time they transferred me to him, he called and left me a message saying Im not allowed to call again unless Im willing to discuss the matter. He then called me at my place of work, in the department I work at and left a message.
Product: Bank account or service

I bank with Bank of America and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo " hard post '' to yesterdays bill. 
On top of that I never received a text from Bank of America notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to " warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I've been a loyal customer of Chase customer for over 10 years and used a number of their products and services including : Commercial loan on a building Business Bank Accounts Business Credit Cards Personal Bank Accounts Personal Investment Accounts Personal Credit Cards On XX/XX/XXXX, I received a letter from Chase asking that I submit a W-9 form and an SSA-89 form for one of my personal checking accounts and that if I did not, my account would be closed by XX/XX/2022. I confirmed with my banker that this form was indeed from Chase and I sent these forms in on XX/XX/XXXX. 

On XX/XX/XXXX, I visited a local branch to deposit a check and was told my account was " frozen '' and to contact an XXXX number they supplied. 

Baffled, I contacted the number and was told that they did not receive the information requested from me. The agent asked numerous times if I was a XXXX Citizen, which I confirmed. I am, I was born here and lived here all my life. I was told that no additional information could be provided. 

I escalated this and was told by another agent that they did indeed have the W9 form that I mailed in but that I " forgot to include the SSA-89 form ''. Both of these forms were in the exact same envelope that was sent to XXXX on XX/XX/XXXX. I had a scanned copy prior to sending that I showed my local banker. 

Given it was near the end of the month when dozens of auto-pay transactions typically hit my account, I urgently escalated this to my banker and she came by my office the following day to pick up a 2nd copy of both the W9 and SSA-89 so that it could be processed by the bank. I was told it would be resolved the following day. 

Instead, the account vanished from my online banking altogether with my funds seized and inaccessible. I contacted Chase and was told the account was permanently closed, they would not re-open it and that I would receive the money that was in the account in the mail. These funds were received after numerous payments were due and in turn, I had late payments ( with fees incurred ) and late notices that will affect my credit. 

This closing of the account, which to me was done with XXXX prior notice since I had sent everything Chase asked for - twice- with no communication from the bank stating the account would be closed has caused me over {$450.00} in late fees and dozens of hours of time to open new accounts and make payments ( including late fees ) for mortgages, utility bills and credit cards. 

Less than a week later, again with XXXX notice, they froze the funds in my son 's account at the same bank and permanently closed it as well.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

USAA FEDERAL SAVINGS B XXXX, USAA FEDERAL SAVINGS B XXXX, USAA FEDERAL SAVINGS B XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX Account XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, 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, US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX 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 an 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of the account listed below, which remains on my credit report despite your previous investigation. I believe the information is inaccurate and detrimental to my credit score. As such, I respectfully request that the account be immediately re-investigated. Account Name : XXXX. Account Number : XXXX XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX XXXX, Section 611, I am requesting that you provide the names and business addresses of each individual or entity with whom you have verified this account. This is to allow me to follow up as necessary. Furthermore, please provide me with an updated copy of my credit report reflecting the results of your reinvestigation, as required under the FCRA. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX showing late payments 4 times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments 2 times XXXX XXXX XXXX target showing late payment XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Comenity bank New york and company and gave them the opportunity to correct an error. I spoke to  XXXX  and she refused to remove a late payment that was recently reported for late payment in  XXXX    XXXX  . This is a violation of the  XXXX  bankruptcy code and my right under FCRA.
Product: Checking or savings account

I opened a Penfed checking account online in XX/XX/XXXX 2023. I provided all the necessary documentation that was asked of me at that time. In first week of XX/XX/XXXX2023, I found out that my account was locked. I did not receive any communication and I only got to know this because my online access was locked. I contacted the customer care on XX/XX/XXXX23  and they told me that my account had been flagged by the fraud services team and I needed to submit documents online to unblock my account. I submitted the my social security card, drivers license and utility bills as asked by the Penfed customer service. I called customer again on XXXXXXXX23and  this time I was told that while they can confirm that they received all the documents I uploaded, they cant unlock the account since only fraud services team can do it. They refused to transfer my call to the fraud service team. I called again the same day and I was told by another agent that the online document upload would not work as I have to respond to a letter sent to me by mail. I told them I never received a letter. They refused to give me any further information and told me that the account would remain blocked. I As of the date of writing this complaint ( XX/XX/XXXX23 ), my account is still blocked. I have not received any letter from Penfed or any other communication regarding my account. It is outrageous that I am not able to use my account despite providing all documentation they have requested of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my credit report there are some inquiries that i did not authorize and they are being reported on my credit report. i have requested for a compliance check and asked that these inquiries be removed immediately from my credit report and my letters have went ignored after sending certified with the return receipt.
Product: Vehicle loan or lease

This additional information against Ally Financial. Exposing the fraud theyve committed on my account. Ive attempted to satisfy the debt obligation numerous times. I have proof with in the photos. Ive sent in private money orders. etc. Theyve kept them sent me copies and said its not acceptable. XXXX sent another registered remittance coupon for settlement. However yet keep it! And sent copies back all my instruments with my wet ink signature on them. They kept and didnt credit the account. While telling me its unacceptable or flat just saying they received the instrument. And are not accepting it. Dishonor for years Ive had to stress and deal with this. Ive had enough and Id like justice for all of the years of stress and dishonor they continued to do. Theyve messed up my credit. 

Payments were made they reversed all of them! My car was in the status of release of title etc. Proof in the pictures! 

XXXX Had the account audited you can plainly see this car was paid off. 

XXXX Had an audit they dont even show the payments that were reversed. Plainly violating fed wire ACH laws by reversing payments. They took that out and sent the enclosed audit. XXXX payments not even on this XXXX audit they removed them. 

The account was finally closed and paid in full status XX/XX/XXXX. They then reopen it put it back on my credit report shown in the pictures. How is this not illegal!!!!??? Im quite sure Im not the only one going through it with this Fraud company. They are restricting my ability to live. I cant get a mortgage loan because of the credit history theyve put on my credit. All because they are crooks. Please help!! DONT DO ANY BUSINESS WITH ALLY FINANCIAL! YOUVE BEEN WARNED!
Product: Money transfer, virtual currency, or money service

today ( XX/XX/2020, we reported a scam to both Bank of America and XXXX We were scammed by a company. we made a payment with bank of America via XXXX to account ( XXXX XXXX XXXX ). We immediately noticed the seller is fraudulent. Contact with my bank and open an fraud investigation. with ref number XXXX. 

Bank of America told us it would take 10 to 45 days. 

Bank of America transfer the money to XXXX XXXX.We called the XXXX to report the fraud with but they are not taking our scam claim. Simply being part of the fraud and helping the fraudulent. in XXXX  we talked to XXXX and XXXX. 

we did all our part to report the scam and scammer but banks is acting slow because it is my fault. we can not stop the fraud and recover our money because both Bank of America and XXXX XXXX  are not taking promptly. In this process there is no way to stop scammers.
Product: Mortgage

I requested assistance from my lender multiple times and they denied me for review from anything other than lump sum payments towards my delinquency. On XXXX/XXXX/2015 I sent in a complete package for a review for the Making Home Affordable Program. On XXXX/XXXX/2015 a paralegal from my attorneys office called the lender and spoke with a XXXX, at Vanderbilt, and asked for an update on the modification review. The representative stated that they reviewed me for an assistance request in XXXX and offered me to make a lump sum payment of XXXX mortgage payments towards my delinquency and because I did not accept that, that they are not required to review me again for an assistance request. When clarification was asked for not reviewing me again for assistance, the representative stated, " well unless we see a dramatic difference we wont look at it again. " Please help. I know I am eligible to be reviewed for the making home affordable program and my lender is refusing to give me a fair review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.
Product: Credit reporting or other personal consumer reports

XXXX decrease my credit score XXXX points my credit score was XXXX now at this went from good to fair XXXX very upset why they did that because company sercurity finance messing with my credit report information and score I disputed the negative account with security finance a loan company I didnt take a loan out with my permission thst why I file disputed company for fraudulent activity account that why XXXX probably let them decrease my credit score this so rude of both companies sercurity finance loans company and XXXX very unprofessional I know I been harmed ass a customer please resolved this issue and case this my complaint against XXXX decrease my credit score dropped XXXX points from XXXX to XXXX letting sercurity finance loans company from up here forthworth tx number is XXXX - XXXX - XXXX that sercurity finance number to reach out to them no longer have a loan account with them they interference my credit score making my credit good to fair stilll trying to make it go back bad and I trying to build it to keep it good to excellent know XXXX under lawsuits from u all company already my credit some was XXXX beginning of this year of this month they decrease my credit score couple days ago XXXX points taking away from my credit report score now at this moment XXXX want them to suffer whatctheyvdud experian and sercurity finance for fraudulent activity against a customer no longer have a loan account for sercurity finance someone else got the same name XXXX mine got me mistaken with that person name I know they goin respond back sercurity finance to tell lies that I have account thst loan account which I don't to make my credit go bad again such a disgrace very upset and disappointed please resolved this issue make them pay for what they did.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonably reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provider evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, and Experian 's inaction violates federal law and my rights as consumer. 

Any dispute of address Consumer statement to nothing Here are the XXXX accounts that I marked as inaccurate 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

collection company contacted me so i requested debt verification, debt validation, all original contracts from company! This company only sent payment invoices and they stated that I will not be receiving the requested documents i asked for and they stated i have XXXX days to pay them! They have communicated with my coworkers discussing how much the debt is and that they will be taking my property and i was completely embarresed when i got back to work and my coworkers informed me what collections have told them!