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

COMPLAINT RE : BANK OF AMERICA On or about Wednesday, XX/XX/XXXX, I got an urgent message on my computer telling me I had been hackedmy computers, my smartphone, and my bank accounts. I did not write down all the connections I was sent through, but I ended up talking to a person with a heavy XXXX accent, who claimed that his name was XXXX XXXX, at Bank of America headquarters in the Fraud Control Division, and that his ID number was XXXX, in XXXX, NC. The phone number on which I have been communicating with him, however, is XXXX, which comes up on my phone as XXXX XXXX XXXX, MO. He didnt sound like an XXXX XXXX to me, and I think at an earlier stage in our conversation he may have given his name as XXXX XXXX XXXX 

Over the next week, he asked me ( a ) to keep all communications between us strictly confidential, which, until today, I have done. However, I figure a week is long enough to put up with this late-night tv drama. ( b ) He explained to me that in order to track down the hackers, we would need to transfer most of the money in my bank accounts ( a checking account in Bank of America, and checking and savings accounts in XXXX XXXX XXXX ) onto XXXX gift cards, and then ( this part wasnt exactly clear to me, and was probably not intended to be ) he would do something or other that would secure my accounts from the hackers and they would put the money back into the accounts. 

I finished transferring my funds onto XXXX gift cards last night and was told they would be restored today. So I went to the grocery store this morning, having run out of several things I couldnt do without any longer, and discovered that there was no money on the gift cards and no money in my bank accounts. XXXX XXXX keeps texting me now to reassure me that the money will be back in my accounts some time soon. I am not reassured. It didnt help that all of this was happening during my major religious holidays. I do not know what kind of afterlife XXXX XXXX is anticipating, if any, but I hope it is unpleasant. 

A couple of other minor details : XXXX XXXX did a bit of show-and-tell on my computer at the beginning of this process, indicating that the hackers were operating through an account based in XXXX, and that they had set up some kind of scheme to transfer {$1500.00} of my money to XXXX. Sorry, I dont remember the rest of the address. ) I suspect that XXXX and XXXX were calculated to trigger immediate panic responses in the average computer-illiterate XXXX widow. Also, he claims that there are only 16 other people ( in XXXX? Illinois? The entire XXXX? Im not sure ) who have been afflicted with this scam. I also suspect that they ( the hackers? XXXX XXXX? Who knows? ) had been watching my accounts long enough to know what days of the month my accounts would contain the largest amount of funds, ie {$1500.00} or thereabouts. 
If you need my account numbers, I will forward them on request. I think I would prefer doing so on a live secure phone line rather than in any kind of text or email communication.
Product: Mortgage

closed home equity line mid 2018 ; line matured after twenty years, always paid as agreed, still showing on monthly bank statement, inquired this week, XX/XX/XXXX, told we owed {$100.00} to release lien ; news to us, never received a bill, never a problem ... ... 

Currently, a number of problems with Santander, applied three times to restore home equity line, withdrew the first app because of fees ; bank treated it as a decline, next two declines spurious ; suspect Santander expects defaults from existing borrowers, does not want to add to exposure ; has already suspended dividend, stock plummeted to 2 ; now concerned that their ridiculous stringency impairs my wife 's and my credit rating.

Am inclined to pay the {$100.00} lien release fee ; but I want  assurance, no more funny business from these clowns, plus, thought I should share our recent experience ; you may want to shut their home equity line operation down until they get their other credit/default problems resolved. XXXX XXXX XXXX
Product: Debt collection

My XXXX account was hacked and I submitted a dispute for the charges with both XXXX and my banking institution. According to my bank and XXXX, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from American Coradius International LLC stating I owe the same money that was returned to me. XXXX shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if XXXX says it's resolved on their end.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CCBXXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws in Missouri.

It has unequivocally come to my attention that CCB/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides stringent protections against identity theft and unauthorized use of personal information. Under Missouri Revised Statutes Chapter 570, specifically Section 570.223, it is illegal to use another person 's identifying information with the intent to defraud.

I assert with unwavering certainty that I have not provided consent for CCBXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCBXXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CCBXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Mortgage

Good Morning, I have experienced a hardship and am in the process of catching up on my mortgage payments. I spoke with a Representative XX/XX/XXXX and was given a deferment option where 1 mortgage payment would be placed on the back end of my loan to bring my account current. I agreed to the deferment and was told that I would receive paperwork in the mail to sign. In lieu of this, I made a payment with that Rep for XX/XX/XXXX. She also stated that I should not pay my mortgage again until after XX/XX/XXXX to give time to receive the paperwork, sign and receive approval from the Lender. My payment from XX/XX/XXXX has still not been applied to my XXXX balance. This company has {$2700.00} of my money sitting in a holding ( unapplied funds ) state. I want my monies released immediately so that the payment will be applied to my balance. I have called this company numerous times and have been promised a ticket has been issued to remedy the issue. I was told that this issue would be resolved on XX/XX/XXXX. To this date the money has NOT been applied to my account. 

Also, I never received the 1 month deferment paperwork. Instead they sent me papers fora loan modification which I never asked for and was never spoke of as an option.. The loan modification paperwork was also sent with numerous changes to my loan saving me no money at all nor a decrease in my interest rate. What an insult. 

I called again asking why I was sent these papers and I asked the Company Representative why would they accept payment by phone but not apply payment to the account? This is causing my mortgage to fall further into default. I then received correspondence asking if I want to keep my home? Ridiculous. I am in the process of making my XXXX payment to bring the mortgage current into XXXX. I want this Company to do the right thing and release my funds and apply the money to my account. I also would like the deferment option which I was offered. 

I called again this morning and was informed that I reached Customer Care and I should speak with a Care Manager. This is the same dance every time I call where I am then rerouted to someone who claims they can help, only to be left on hold for 15 minutes and an automated response tells me Due to a Dept meeting I should call back in 30 minutes. I am at work making these calls because their office is closed by the time I get home and closed when I leave in the morning. They have provided no confirmation numbers for these issues when I call or any correspondence to acknowledge my issue and provide comfort that they are working to help resolve this matter. I do not trust these people. When you have legitimate concerns you cant get them on the phone. 

These tactics aim to ruin a homeowners credit and force foreclosure options down our throats. I want to remain in my home and I would like to know that when I make payments to this Loan Servicer they will apply payments accordingly. I do not know what XXXX XXXX was thinking selling my mortgage to these clowns.
Product: Checking or savings account

I opened an business account with Bank of America in 2020 as a part of a promotion promising a {$750.00} bonus once certain qualifications were met. After several months and fulfilling all my obligations, I did not receive the bonus. So I called to inquire. Once it was confirmed that I met the requirements, I was promised a phone call. I never received one. So after this, every few weeks I would call to inquire but to no avail. With every call I was repeatedly lied to about someone calling me back which never happened. I was even told once when I went to a branch that I would receive a call. I never have. Normally when I would call I would be transferred from agent to agent with several saying there is nothing they can do, so just wait for a phone call. It never came. So after 6 months of being lied to I closed the account and removed my funds since I really wasn't getting anywhere, but it doesn't stop there. So to add insult to injury, a year and a half after meeting the qualifications and being lied to and ignored, I received a 1099 FOR MONEY I NEVER RECEIVED!!!!! AND I STILL HAVE NOT RECEIVED A PHONE CALL!!!!!
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Dear Manager of XXXX  XXXX XXXX, I hope this message finds you well. I am writing to address an ongoing issue regarding my account with XXXX  XXXX XXXX, which has been a source of concern since XXXX XXXX, XXXX. On that date, I took the initiative to settle my account by making a payment of {$800.00}, as per the guidance provided by your representatives. At the time, they assured me that within 30-45 days, the remaining balance would be removed from my credit report. 

Regrettably, despite my diligent efforts to resolve this matter, I have encountered significant challenges in achieving a resolution. It has come to my attention that XXXX has already removed the disputed account from my credit report as per our agreement. However, the other major credit reporting agencies have failed to update their records, continuing to report an inaccurate balance of {$1800.00}. This discrepancy is both perplexing and concerning. 

I am fully aware of my rights as a consumer, including the right to dispute inaccuracies directly with the creditor. In pursuit of a resolution, I have made numerous requests for documentation over the past few months, but unfortunately, these requests have gone unanswered. To clarify, when I settled the account, the outstanding balance stood at {$2200.00}, and I promptly paid {$800.00} as agreed upon. 

It is crucial to emphasize that the current situation represents a direct violation of my consumer rights. I hereby demand an immediate and unequivocal deletion of this erroneous account from my credit report. I believe this is a fair and just request given the circumstances surrounding our prior agreement. 

I kindly request your prompt attention to this matter, as it is negatively affecting my financial standing. I am hopeful that we can swiftly resolve this issue and rectify the inaccuracies on my credit report, thereby upholding the integrity of my financial history. 

Thank you for your immediate attention to this matter.
Product: Debt collection

My wife and I moved out of an apartment ( XXXX, XXXX, AZ ) in XX/XX/XXXX prior to the expiration of our lease term. An agreement was made in XXXX XXXX with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  staff that the break-lease fee would be waived due to our threat of legal action and our complaints of multiple known safety concerns and criminal activity within the apartment complex. We also submitted several complaints of ongoing maintenance issues during our stay such as severe plumbing issues and flooding. As a result, our business with the XXXX ended and we did not receive any subsequent calls, emails, or written correspondence indicating that we owed any amount. We then received a statement in XX/XX/XXXX from Property Receivables Corp ( attached ) indicating that we owed a balance. The letter advised that if we wished to file a dispute, we would need to contact the entity by XX/XX/XXXX. We sent a dispute email on XX/XX/XXXX ( See attached response to XXXX ). We did not hear from the entity until XX/XX/XXXX in which we received a phone call from a representative from Property Receivables Corp. The representative initially denied that a dispute letter was ever received and therefore they were unaware of any dispute. We read the emailed response back to the representative whom then admitted that the email was in their possession. The representative then indicated that the dispute process would now begin on XX/XX/XXXX and that the credit bureaus were contact on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Spoke with the collection company about debt not being mine email and phone number are unfamiliar to me sent me to file a police report.
Product: Checking or savings account

I am writing to file this complaint against Navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issues aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I recently checked my XXXX  account and noticed a unauthorized collections account under my account under collections account LVNV FUNDING LLC and the original creditor being XXXX XXXX XXXXXXXX XXXX XXXX in the amount of XXXX XXXXthat I know nothing of or applied for
Product: Credit card or prepaid card

I HAVE SENT A NUMEROUS REQUESTS, ASKING TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM VICTIM OF AN IDENTITY THEFT REPORT. THS ACCOUNT AND THE CHARGES DONT BELONG TO ME. SOMEONE STOLE MY INFORMATION THEY HACKED INTO MY MAIL BOX, MY EMAIL WAS ALSO HACKED. BEING A VICTIM I HAVE NO IDEA HOW ELSE TO SAY THAT THIS ACCOUNT IS NOT MINE.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX someone took out a {$500.00} loan in my name from XXXX XXXX. The company added {$95.00} fee, so total debt was {$590.00}. The loan document uses a fake bank account and email address for me. On the signature blank my name was typed in. XXXX sold this note to National Credit Adjusters in XX/XX/XXXX, who is pursuing me for collection. I contacted NCA and they put a fraud alert on this account and stopped collection efforts.
Product: Credit reporting or other personal consumer reports

I Currently have a total of XXXX accounts and XXXX inquiries appearring on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX has violated my rights . 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. As such, I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
The following account is fraudulent and should be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I request the deletion of the following unauthorized credit inquiries : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had applied for a line of credit, with a lender. I was denied due to the fact that, Santander Consumer USA, has continued to report negative and incorrect reports about my past credit with them, to all credit bureau 's. After trying to correct this era with them on several occasions, they still haven't done so. I had retained a credit repair agency, to help me rectify this problem, and as of today they still haven't done so. I am now reaching out to Consumer Finance, because I feel like my rights have been violated, Under the Consumer Finance Rights.
Product: Checking or savings account

Citi closed all of my credit cards and won't tell me why. I received a letter in the mail stating my checking account would be closed, though only the credit cards were actually closed ( again no explanation ). 

Citi then charged the remaining credit card balance to my citi checking account, even though it wasn't set up as a form of payment for the credit cards, and it wasn't set as my default autopay checking account. The citi checking account didn't have enough funds for the charge and so I was charged an insufficient funds fee. I was also charged overdraft fees, and monthly service fees. I've had to call multiple times to remove/refund multiple charges on my checking account. I can't log in via a desktop browser and when I try I get an error message. I just want to have all these fees removed so i can close my account. The fees were unfairly charged as a result of citi charging my checking account for the remaining credit card balance ( i have a different checking account setup for autopayment, and the balance should have simply been charged to the checking account I set up and used for months and months ).
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian regarding my student loan balance. I have received student loan forgiveness and I submitted proof of forgiveness to Experian. Experian has refused to remove the student loan balance from my credit report. Furthermore, Experian is showing my servicer as XXXX. They have not been my servicer since XX/XX/2023. My servicer switched to XXXX in XX/XX/2023.