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

I had an account go so far negative with overdraft fees that I could not get it back in the positive. They left the account open after I requested that it be closed as to not incur further charges. I thought they did, apparently not. They had someone call me saying they tried to serve me in a county I haven't lived in for 7 months. He gave me the name of one XXXX XXXX at XXXX. I called this number and XXXX answered and informed me that I owe XXXX on an account that was only negative in 2016 for like XXXX. She stated that she was with some attorney 's office representing US Bank and they are going to garnished 25 % of my wages. After telling her that I didn't have a job/source of income, she hung up on me.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

FOR XXXX : XXXXXXXX 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased by 67 points. I reviewed my credit reports with Experian and XXXX  ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports I have an outstanding account that is negatively reporting information from Macy 's. I have contact Macy ; s about this account and they have indicated the account was sent to a collection agency but are unable to give me the information for said agency. When I asked for a balance and or offered to pay the account they said they can not take my money because I need to pay the agency but they have no information on the agency. I have been getting the run around for years. I have called and written several times and have even offered to pay whatever balance I have bit no one seems to be able to locate the account nor assist me in locating the account. I have every intention of making good on this debt but have been unsuccessful in doing so. Being that no one form Macy ' can help me and that there is nothing I can do I feel it is not fair that this keeps affecting my credit and I have no way of controlling it. I need you help in getting this off my credit
Product: Payday loan, title loan, or personal loan

I wanted to get a loan for the holidays that was coming up. I'm XXXX years old and retired receiving social security and no pension. I do XXXX  but it was slow last season so I needed some holiday cash. I went online for a loan and looked at XXXX XXXX  but on a {$1000.00} loan the interest was {$500.00} dollars which is 50 % for a total of {$1500.00}. So I tried a company called Amplify. Since XXXX they have changed their name to Lendumo. While online I received a call from them for personal and bank information. The agent from the company told me to go online to read the terms of agreement. I already had the sight up but received a email telling me I was approved. After receiving the first email I received another telling me that The payments were {$340.00} a month on the date that I receive my social security monthly payment until the loan was paid. I was so glad that I was approved that I didn't notice that no interest rate was mentioned during the phone conversation. After receiving the money in my bank account the next day I went to the website for Amplify and the rate was 400 %. I called and talk to an agent and they just said that the terms was agreded upon. I told the agent didn't tell me the rate she said I should have ask I said he should have told me. I said okay I'll close my bank account when I pay the principle and reasonable interest. To date I have made payments. {$1700.00} I read on internet that I shouldn't close my bank account but give you guys a call.
Product: Credit reporting or other personal consumer reports

Start looking at the account XXXX XXXX XXXX. I believe this information may be inaccurate. I need this removed accordingly. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Student loan

I was never late in XXXX or XXXX The information on my credit file is incorrect. The account is also closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Product: Credit reporting

I feel that trans union is artificially holding my credit at a lower level to force me to pay higher interest rates. I will be forwarding a copy of my credit report to both the  U.S Attorney and the Nevada States  Attorney.
Product: Mortgage

After researching my issue and determining that I am eligible ( no late payments, LTV under 78 %, loan active over 5 years ) to have my FHA MIP removed from my account, I contacted my lender to start the process. I was slightly confused when i ended my call with them, due to the fact that they insisted that I would have to pay for a new appraisal in order for them to make a determination ( with no guarantees ) whether to cancel my PMI. I could under no circumstance get them to even call it MIP, let alone admit that any difference between MIP and PMI existed. They sent me a form to start the process, the form is basically an agreement on my part to pay for an appraisal. I called them back and eventually their representative told me to call the XXXX at XXXX. The center sent me a summary of their guidelines in my situation. Following these guidelines I sent my lender a written request of my desire to have MIP cancelled on the loan, and asked them to forward my request, along with supporting payment documentation to the FHA for approval. I also included a copy of FHA 's guidelines for their reference. After waiting over 60 days for a response I contacted them by phone again and was informed that they received my letter, however no action was taken since it did not include the form releasing them to order an appraisal at my expense. After much discussion with this representative his only recourse was to have me call the XXXX again. All any representative at my lender will do is quote some lines from what I believe to be a summary of the PMI Act of 1999. They will not admit that a FHA insured loan is different in any way from a private contract loan, even after me offering specific guidance as to Mortgage Letter numbers published by XXXX specific to this issue. The XXXX, being an informational entity and not an enforcement one could offer me no further guidance, hence, my complaint filed here. I have attached all correspondence I have relating to this issue, including the form my lender wants me to sign, the guidance email sent me by the FHA, the corresponding XXXX Mortgage Letter relevant in my situation, and the original request I made to my lender to have my MIP terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry for XXXX XXXX on my Equifax credit report from XX/XX/2019. I do not have any XXXX services, this must be fraud or an error.
Product: Checking or savings account

On XX/XX/2024, XXXX Savings account was closed without me asking. I called the company on XX/XX/2024 to ask the reason why and it was stated that it was closed due to inactivity, despite the fact that I logged into my account on XX/XX/2024 ( evidence is email saying that I changed my password ). The XXXX representative said that my funds ( approximately {$750.00} ) were sent to the XXXX XXXX XXXX. I called back on XX/XX/2024 and spoke to a supervisor who told me that my funds were actually heading to my personal checking account at XXXX XXXX and I should see it in my account in XXXX business days. I did not see the deposit and called back on XX/XX/2024 and spoke to a XXXX representative who said that my money was in fact sent to the XXXXXXXX XXXX XXXX and to call them. I called the XXXXXXXX XXXX XXXX and was told that there was no record that XXXX reported anything and that I need to get proof of delivery in writing. I called XXXX back on XX/XX/2024 and have spoken to XXXX representatives who have been unable to provide me with this documentation, saying that they do not know where my money is. After speaking to the XXXX supervisor on XX/XX/XXXX, I was told that the money was in fact sent to the XXXXXXXX XXXX XXXX that day. I asked for a proof of delivery and was told that they are opening a case so that they can send me that documentation. I was told that I will receive a notice in XXXX business days. I was given XXXX documentation and was told repeatedly that there is nothing they can do.
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 Account Child Support # 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 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: 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 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 the Electric 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: Credit reporting, credit repair services, or other personal consumer reports

I was examining my EQUIFAX credit report and noted a number of unenforceable/illegal collection agency trade lines from a company called XXXX. I've attached proof of date of delivery and the correspondence I sent EQUIFAX. 

-They never investigated the issue -They did not validate/verified anything -They did not respond within 30 days ; therefore, pursuant to the FCRA, ALL of these line items must be removed from my credit report. 

This situation violates both the FCRA and the FDCPA.
Product: Bank account or service

I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

Calling every XXXX minutes from XXXX to XXXX
Product: Checking or savings account

I deposited a check in the amount of {$420000.00} on XXXX XX/XX/2022 at Chase bank and one week ( 5 business days ) later, none of the funds have been made available to me. I have no history of overdrafts, the check is from a stable institution and the bank has no reason to believe that the check is un-collectable, I have been a long time customer of Chase, this is not a re-deposited check, and the bank was not impacted by a natural disaster or other emergency. I am unaware of any justifiable reason as to why the bank should hold my funds in excess of 5 days or that they would not have made at least a portion of the money available to me. I called the bank to request that the funds be released and they were unwilling to do so.
Product: Credit card or prepaid card

This company does NOT make it clear that you can not set up auto-pay from your own account to pay the monthly bill. 

I'd gotten this zero interest Bank of America Platinum Mastercard to help me pay down debt. After setting up my online account, I could never find the auto-pay section to set up monthly payments. So I would manually pay each month. After tiring of this, I called in and they walked me through setting up an auto-payment from my credit union account. 

I was concerned that the usability of the site was quite confusing, but was happy to get my problem fixed. The person on the line said I would be set-up to automatically pay the minimum moving forward, but would have to manually make the XXXX payment. As long as I paid within a certain window of the due date, there would be no hit to my credit, etc. I manually paid the bill on XX/XX/13. ( Unfortunately, she didn't mention that I would still be charged a late fee. ) Low and behold when I go into the website today, I see my auto-payment has NOT hit and I'm behind as of XXXX ( today is XXXX ). 

When I call in, the automated menu now says a B of A checking account is required to set up auto-pay, and so no, I can not set up auto-pay after all. This was not explained AT ALL when I called in in early XXXX. This is quite misleading. 

In fact, to me this is quite deceptive and a way to collect on fees. Although I thought this zero-interest account would be quite beneficial, it's actually taken me this long to figure out that I can't make an auto-payment from my own account. Seeing as I have an XXXX and consider myself pretty web-savvy, I would say that the issue here is that B of A is subtly hiding the fact that you can't auto-pay from your account ... hoping perhaps that you'll fall behind and need to pay fees and interest. 

I called in twice today and the phone tree is also very impossible to navigate. Speaking to a manager is not an option. I'd asked for and scheduled an automated call back. Nothing. I called back a few hours later and it's interesting as the phone-tree options have also changed. Now I'm required to type in my entire account number whereas before, I just needed the last four of my social. No luck with the phone tree as it's stopping me from speaking with a representative since " I need a B of A checking account to set up auto-pay ''. 

I have a feeling B of A has already gotten in trouble for the above practice, and is now trying to make their limitations more explicit. The website still does not make it clear. 

As a financial institution with a large global footprint, I feel should B of A and this practice in particular should be investigated. Auto-pay is such a great way for busy consumers to set up payments and ensure no late fees and interest. For a credit card NOT to allow this, and to hide that fact, should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and yard sustained minor damage, but enough to need money to fix. Oceanside Mortgage sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from Oceanside Mortgage asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX  during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX  credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted Oceanside Mortgage and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with XXXX. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from oceanside mortgage '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.
Product: Debt collection

I called XXXX XXXX and asked the to provide the 1099C for this debt, and they told me they did no provide that until the debt has been paid or settled. I understand lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more.