23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I enrolled in autopay on my account and selected " amount due, '' assuming this would lead to full payment of my statement balance. The option directly below " amount due '' is " minimum amount due, '' which implies the minimum payment required not to encounter a late fee. Unlike XXXX or XXXX, Bank of America has both " Amount Due '' and " Account Balance '' in their drop down, and it's unclear what the difference between the two is. Further, they list " Amount Due '' as the first option, followed by " Minimum Amount Due '' and " Account Balance. '' When I told the rep that this is confusing for customers, she agreed and mentioned that many others call in with my same confusion. Nonetheless, she was only able to waive one out of two interest charges added to my account. BofA should take a lesson from XXXX and XXXX and simplify their autopay dropdox. When a consumer sees " amount due '' and " minimum amount due '' back to back, the latter suggests minimum payment required not to pay a late fee, whereas the former implies FULL payment. It's not intuitive that a user would need to select the THIRD option on the list ( " Account Balance '' ) to pay off their statement, when " Amount Due '' has the same connotation. This is entirely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!
Product: Mortgage

Freedom Mortgage is completely ignoring my email requests to start the process of removing the PMI on my mortgage. I am eligible to remove the PMI since the XX/XX/2018. I have submitted countless emails to them, they are completely ignoring every aimgle one of them. I need your help, please help.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

BANKRUPTCY LETTER Your Name - XXXX XXXX XXXX Your Address- XXXX XXXX XXXX XXXX XXXX XXXX City, State , Zip code XXXXXXXX XXXX XXXXXXXX Receiver Name - Experian Receiver Name XXXX To whom it may concern, I am contacting you because you have a bankruptcy reporting on my consumer report that is not accurate and has not been validated. 
According to the FCRA If the credit reporting agency can not validate with the ORIGINAL CREDITOR the information must be removed from my consumer file. 
you are saying that the US bankruptcy courts are the furnisher of this information but the bankruptcy courts do not report to any credit reporting agency and XXXX XXXX has provided me with documentation that they could not validate this public record information. You are also false and misleading by stating that the furnisher of this bankruptcy is the U.S. Courts
Product: Credit card

I sent out a payment via mail in a check form because the website was down and the phone number provided to pay my bill was not accurate. I wrote the check clearly out for the due date which was not for another two weeks, knowing it takes a healthy amount of time to get to the bank I was sending it to. The company ran the check before the date wrote, overdrawing my bank account because the funds were not there. They would not refund the check and would not cancel the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old XXXX XXXX account removed then reappeared as open its inaccurate
Product: Credit reporting or other personal consumer reports

The company is reporting approximately {$50000.00} loan to my credit. I do not have a account with this institution. In addition to the reporting of the information they were reporting are three. Which is severely impacting my personal incorporate credit. This is not a request it's a legal demand to immediately remove any and all information associated with this account. Including all derogatory information.
Product: Mortgage

I have now twice on XX/XX/XXXX and XX/XX/XXXX attempted to wire money to Specialized Loan Servicing LLC to avoid foreclosure set on XX/XX/2024. 

On the XXXX I sent {$53000.00} which was the given amount to payoff loan to avoid foreclosure The wire on the same day was returned. When asked why they stated the amount due was {$56000.00} and they will not take partial payment I then on XX/XX/XXXX sent the new amount given of {$56000.00} and it was also returned. 

Each wire cost me an additional {$30.00} dollars and as of today I have two processed wired that were returned keeping me in foreclosure
Product: Checking or savings account

I sent Zelle payment from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX. Amount is : {$1900.00} See confirmations as attached. I had the funds in the account but the recipient did not get it, it was pending, but failed. Why not? Why the issue? There should be no issues on my end!! Please investigate and report back, date by date, step by step, why this failed. I lost {$50000.00} worth of business because of that. Thank you. I called XXXX XXXX  on Tuesday XX/XX/XXXX, and case No. XXXX ( with XXXX XXXX XXXX ). Zelle is giving issues and problems now?
Product: Credit card

I am a victim of scam. Seller perpetrated a " same-zip-code '' scam using a non-related tracking XXXX XXXX tracking number is NOT for my Name, Address, Proof of Delivery Pic not my house. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Shows XXXXXXXX XXXX. - NOT XXXX. 
XX/XX/24 Placed an order for an XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX emailed me XXXX XXXX XXXX XXXXXXXX. XX/XX/24 XXXX emailed advising pkg. delivered. I did NOT receive the package. I checked XXXX tracking website & website showed pkg. with this tracking number was delivered on XX/XX/24 @ XXXX XXXX. and had pic of pkg. at a front door. Pic was not my front door. I drove thru my neighbor hood looking for pkg. No such front door in my neighborhood of XXXX houses. I called XXXX & was told that the tracking number does not belong to my name or address. Only details XXXX would provide was that this was an XXXXXXXX XXXX weighing XXXX lbs. XXXX did send me an email on XX/XX/24 stating tracking # XXXX does not belong to me or to my address. 
XX/XX/24 Contacted the seller thru XXXX ( only response : Pkg. delivered ) XX/XX/24 Filed complaint with XXXX. XXXX denied my claim. I file appeal. XXXX denied appeal on XX/XX/24. 
XX/XX/24 Filed dispute with Discover Credit Card. XX/XX/24 Discover denied claim. XX/XX/24 Filed appeal with Discover. 
XX/XX/24 Filed complaint with XXXX. XXXX stated I would have to contact XXXX. I told them shipment thru XXXX XXXX. They said there was nothing they could do since, I nor my address shown on shipping docs. 
Everyone taking Seller 's word. He has only provided a XXXX XXXX number - no shipping label showing my name & address. I only have email from XXXX stating this tracking number does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX you are in violation of the Fair Credit Reorting Act and the CFPB reguation for not reporting the complete payment history of this federal consolidation loan from XX/XX/XXXX to XX/XX/XXXX, orginated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$49000.00} and now over {$80000.00} XXXX XXXX to report to the XXXX XXXX XXXX the complete payment history of the University XXXX XXXX XXXX XXXX XXXX loan from XX/XX/XXXX to present that was terminated by the US Department of Education XX/XX/XXXX. I have not paid a penny to XXXX XXXX and have not signed a forebearance or deferrment. XXXX XXXX currently has not sent Transunion and XXXX an accurate month by month. payment history of XXXX student federal loan and it has been over 120 days. XXXX XXXX has not sent me monthly billing statements. I have called XXXX XXXX and the representative said they have no account in my identity. Transunion and XXXX to report the complete accurate payment history on my online credit report account required by law of the fedral student loan. If XXXX, Transunion and XXXX do not report the complete accurate paymebt history on my online credit report the law state you must remove the account immediately. XXXX XXXX to obtain the approval from the US Department of Education General Counselor to report on my credit reports.
Product: Debt or credit management

I've been receiving credit alert notifications from XXXX to XXXX from a company that looked like Experian but it feels like a scam. The most recent email said " From : Experian Alerts ( XXXX ). The membership number they assigned to me is : XXXX. I have not used this service since I unsubscribed in XXXX. Then, the company was Experian XXXX. It was a free credit monitoring service but they wanted to charge for the service. I unsubscribed but they said I would continue to get credit notifications. I want this service discontinued but there is not a phone number to call anyone, only an email for customer. I don't have this credit card, it is in my wife 's name. I don't want this Experian Alerts to have my information. There is no such address at Experian that says " XXXX. '' Experian is www.experian.com. I think I've been scammed for 4 years and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to complaint # XXXX, Experian Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX or court, but they continue to delay or ignore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. Transunion, XXXX and XXXX fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.
Product: Mortgage

. On XX/XX/2016 we spoke to agent XXXX to make requested and future payments to bring account current after a very lengthy dispute. This is my 3RD complaint sending to Nationstar Mortgage for 3 different issues. I find this company negligent and incompetent. My concern is during the phone payment it was clearly understood to use the unapplied funds and additional payment using XXXX checking account. In addition the XXXX and XXXX payment was scheduled during the same phone call. In the past there was a XXXX account use however I made it clearly to not use that account. During the phone transaction the representative ( XXXX ) took the banking information for XXXX and repeated the information however somehow she was negligent and entered the wrong information into the system. The next day we notice a transaction use to the XXXX account and this was not authorized to use this account. Now that account is not in good standing in result of that particular transaction and as of XX/XX/XXXX, the XXXX account has continued to accrue overdraft fees do to this transaction from Nationstar Mortgage. 
On XX/XX/XXXX, we spoke to another representative ( XX/XX/XXXX ) ID # XXXX as quality recorded service. We called in concern of why was this payment applied to the XXXX account. The answer was because she had put the incorrect information in so they just use the account on file. I am totally confused with that. It could have clearly been resolve with a simple phone call to make correction however because of that error my account has been in default for 6 days as of above Date. In addition it was noted that XXXX and XXXX payment was applied to XXXX account I found this extremely odd that the same conversation and the 1st transaction done was incorrectly and the other 2 payments was applied by the requested bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent a collections letter for a debt that isn't mine. I contacted Paypal directly, but they didn't have any accounts associated with me. I sent XXXX a letter ( XXXX response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted Paypal collections again with the information and informed them this is not my account and I have reported the identity theft. XXXX has again sent another collections letter trying to collect an increased amount.
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. 

The following accounts have violated my rights : 1. XXXX XXXX Account XXXX : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 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 card

On XX/XX/2023 I received my statement that my payment was raised to XXXX dollars, I had a promotional credit card through boa that I qualified for that I did not pay any Interest for certain amount of months, so I used my boa card untill I came up to XXXX of XXXX were my balance hit over XXXX, I made my Minimum and more as I could all the way untill the first month that interest started.XX/XX/XXXX stated XXXX interest plus my minimum of XXXX was due on XX/XX/2023, making it XXXX dollars, I called bank of america because I had the cash to pay the balance off in full, I spoke to a supervisor in Texas amd have it recorded conversion from my end that I advised her of, you reassured me that if I paid my balance of XXXX it happened to be XX/XX/XXXX that it would clear my account to XXXX my credit limit of XXXX would come back and their were no other fees lingering, and so I paid it in full XXXX I screen showed everything to make sure to document it all,2 days later well checking to see if payment cleared I had seen a strange amount appear of XXXX but it did not give a Daye or that it was due or whatever my payment cleared my account went to credit limit of XXXX and showed I owed no more money as I payed my first month of interest that I had seen XXXX, then XX/XX/XXXX I received a email claiming I owed a additional XXXX dollars, I started doing math and it added up to XXXX dollars, now I paid my balance in full early XX/XX/XXXX with my interest taked on and I assume whatever else, I called bank of america went to a supervisor who could not explain to me but that it was interest owed, well my interest owed was XXXX my Minimum od was a XXXX dollars, which came out to a total of $ XXXXwell I cleared my debt in full on XX/XX/XXXX at the amount of XXXX with the interest I screen showed in the the first complaint of XXXX and payed well early, a Executive from Bank of America . Call me the very next day. I have done unable to speak to this. Gentleman on the phone he's calling me at times where he knows that I can not answer the phone I wan na head and I paid the {$140.00} plus and additional XXXX cents. because I do not want no negative remarks on my exceptional payment history I have 6 years worth of credit. I have XXXX XXXX accounts, and all of those accounts have been paid a 100 % most of them in full every single month for the last 6 years.i want my XXXX dollars and XXXX cents back, how is it that I owe XXXX if I paid my XXXX interest that totaled with the debt amount all together of XXXX, this has not been explained to me.its caused my credit score on all 3 bureaus to drop XXXX points .now I have just read that bank of america was just sued in the last few months for millions if not billions for doing stuff like what they just did to me, on top of setting up accounts without permission, fees charged that weren't owed and so I feel as if I'm being taken advantage of one and being stolen from.all that matters is that I paid my debt to them early in full!!
Product: Credit reporting or other personal consumer reports

I contacted the company because I keep seeing them negatively affecting my credit score. After speaking to two representatives they both told me that I need to contact the credit bureau to get this resolved since there is no account under my full name, phone number or social on their records.
Product: Credit card or prepaid card

I was charged a late fee even though a credit to my account ( from a return ) well before the payment due date more than covered the minimum payment due. They stated this is part of their policy but their disclosure ( Regulation Z / Truth in Lending Act ) did not include any such criteria/language. I repeatedly asked to be directed in their disclosure agreement where it stated a credit ( such as a return ) does not count as a payment. They were unable to do so and provided a copy of their Regulation Z / Truth in Lending Act disclosure ( the same one I already had ). I am aware of this practice as such a disclosure is clearly noted for an account of mine from different institution. I offered to provide this example to them but they were not interested.

When I asked the name of their regulator, specifically for UDAAP and Regulation Z, I was told the FDIC and then later told to XXXX  that information.

My phone calls to them lasted 35-40 minutes each, largely spent being transferred or on hold.

The late fee is now the only balance on my account.
Product: Student loan

My loans were discharged under sweet v cardona. They were supposed to be completed on XX/XX/24 per the court ruling. They have yet to be completed. They still show a balance and no refunds have been issued. I have contacted both my loan servicer ( EDFinancial ) and student aid. The loan servicer says that I have to call student aid to get any info. Student aid advises that the loan servicer should be contacting them on my behalf and that the loan servicer should be processing any refunds. They are also charging interest while the loans are in forbearance when they should not be according to the court ruling.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifaxcredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at under the XXXX XXXX on XX/XX/year> under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be a persistent coddling of the institutions that established and used this reporting system by CFPB and the FTC, which has yet again ( third time ) caused me harm. I am asking for the fourth time : PLEASE ALLOW CONSUMERS THE ABILITY TO LOCK THESE REPORTS in order to provide a protection against fraud. YET AGAIN, the report contains errors listing accounts which I never opened nor used yet appear on my report. I have to now monitor this monthly, but receive NO ASSURANCES NOR PROTECTIONS FROM EARLY WARNING ; they only ask that I file a report and request correction from the institutions. THAT DOES NOT RESOLVE THE FUNDAMENTAL PROBLEM of the agency : they're allowing and selling my data to anyone willing to fork over the money to gain access and I HAVE NO CONTROL OVER IT despite the fact it is my data. WHEN WILL YOU ESTABLISH REGULATIONS TO PROTECT MY RIGHTS AND DATA? I am growing tired and MORE ANGRY with every abuse of this agency and YOU DO NOTHING!
Product: Debt collection

Company is trying to collect on a debt that was previously forced to be removed by CFPB. I have not signed any agreements with this company nor do I acknowledge owning any debt to this company.
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.