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

Sometime in XXXX XXXX my Bank of America debit card was compromised and used to make a fraudulent transaction. I contacted BofA right away and they closed and blocked the debit card and issued a new card no problem there. Problem had have several accounts tired to that debit card that are billed each month automatically. One of those accounts being with the company XXXX XXXX. I no longer wanted that account so when I was notifying companies and up dating my new debit card information I intentionally DID NOT update the debit card information with XXXX XXXX so they could not charge my account. XXXX XXXX tried to  charge my monthly fee to the old BofA debit they had on file on XX/XX/XXXX and again on XX/XX/XXXX with no luck. Then on XX/XX/XXXXthey were able to make the charge to my new debit card some how. I contacted BofA and they stopped the transaction and reversed the charge. On XX/XX/XXXX I talked with a representative of BofA and explained to them what happened and asked how could that happen. I was informed that after making several attempts to charge my account with no luck all XXXX XXXX has to do is contact BofA and proof to them that they had been charging old debit card account in the past and were unable to now that BofA would give XXXX XXXX the new debit card information. What I want to know is is this legal and right for BofA to give out this information. I know you ca n't give legal advise but can you at least give me an answer to this. If I had wanted XXXX XXXX to have that information I would have given it to them myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to experian/XXXX ... ... Experian through the XXXX scoring system is displaying that I have 116 late payments. I have gone through my consumer report and have noticed that they are reporting lates as far back as 16 years ago. 
It is my understanding that lates, old accounts fall off in seven years therefore it clearly shows the experian is bias and prejudice toward and is purposely trying to hold my score down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 RE : ACCOUNT NUMBER XXXX DEAR PROFESSIONAL DEBT, I WAS INCONTACT WITH XXXX XXXX FROM YOUR DEPARTMENT BUT HAVE YET TO GET AN UPDATED RESPONSE. I EMAILED WRITITNG TO YOUR MOST RECENT CORRESPONDENCE RELATED TO THE ACCOUNT NUMBER I REFERENCED IN THE SUBJECT LINE ABOVE. AS I AM CONSIDERING THE POSSIBILITY OF SETTLING THIS DEBT. 
I ACCEPT NO RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I SENT AN OFFER OF {$1500.00} XXXX LUMPSOME OF PAYMENT TO PAY THIS ACCOUNT OFF WITH AN EXCHANGE OF THIS ACCOUNT BEING DELTED AND REMOVED. I THEN RECEIVED A CORRISPONDANCE ON THE XXXX STATING THAT {$2700.00} IS YOUR CLIENTS BEST/FINAL OFFER. I THEN SENT ANOTHER EMAIL STATING THAT {$2700.00} IS NOT SOOMETHING I CAN PAY AND MOST DEFINITELY NOT BY THE XXXX. HOWEVER I AM TRYING TO TAKE CARE OF THIS DEBT BEFORE I LEAVE OUT THE COUNTRY. I WOULD LIKE TO BE ABLE TO SETTLE THIS DEBT INSTEAD OF SITTING FOR 7 YEARS AND FALLING OFF. 
AS OF NOW {$1500.00} IS THE MOST I CAN PAY ON THIS DEBT. IF GIVIEN UNTIL THE XX/XX/2023 I CAN PAY {$2000.00} ON THIS DEBT TO SETTLE IT OUT WITH A XXXX TIME PAYMENT. AS STATED BEFORE I DO NOT ACCEPT ANY RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I CAN OFFER A SIGNIFICANT SETTLEMENT AMOUNT IN EXCHANGE FOR THE FOLLOWING : XXXX. YOU AGREE, IN WRITING TO DESIGNATE THE ACCOUNT AS PAYMENT IN FULL ONCE YOU ARE IN RECEIPT OF THE AGREED UPON PAYMENT AMOUNT. THE ACCOUNT WILL NOT BE DESIGNATED AS A PAID COLLECTIONS OR SETTLED ACCOUNT. 
XXXX. YOU AGREE, IN WRITING TO COMPLETELY REMOVE ANY, AND ALL REFERENCES TO THIS ACCOUNT FROM ALL CREDIT BUREAUS TO WHCH YOU REPORT. 
HOWEVER, AS I DO DISAGREE WITH THE SETTLEMENT AMOUNT SENT. I AM WILLING TO PAY $ XXXX {$2000.00} TO SETTLE THIS DEBT DEPENDING ON THE DATE OR TIMEFRAME GIVEN IN EXCHANGE FOR YOUR AGREEMENT TO REMOVE ALL INFORMATION REGARDING THIS DEBT FROM ALL CREDIT REPORTING AGENCIES, SO WOULD YOU REPORT WITHIN XXXX CALANDER DAYS OF RECEIPT OF PAYMENT. 
IF THE ABOVE MENTIONED ITEMS CAN BE MET, IM WILING TO MAKE THE PAYMENT ON THIS DEBT IMMEDIATELY. WHEN I AM IN RECEIPT OF A SIGNED AGREEMENT WITH THE AFOREMENTIONED TERMS FROM AN AUTHORIZED REPRESENTATIVE ON YOUR COMPANY LETTERHEAD, I WILL MAKE PAYMENT. AS I LOOK FORWARD TO RESOLVING THIS MATTER QUICKLY. 
SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my second letter to XXXX, XXXX, and Transunion giving them an opportunity to rectify the situation and they have not. They are reporting inaccurate information and they're reporting a bankruptcy that I have disputed and asked for them to remove. 

I have asked them to remove names, addresses, and employers that I am not associated with. I also told them to remove my social security number ( last four digits ) my birth date/ year.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX XXXX, Member FDIC d/b/a XXXX Dave XXXX closed my account unexpectedly today XX/XX/2022 without notice for apparently violating their terms of service agreement and would not disclose the nature of the closure for security purposes. The email to, I XXXX XXXX XXXX at XXXX stated that we've had to close your account and terminate your Dave Membership effectively immediately, accounts can't be reopened. Dave has a Cash Advance service that allows users to advance a portion of their next paycheck in advance for groceries or other related expenses. What was Dave 's reasoning for closing my account, as I made all my payments on time, including subscription fees. Dave had no apparent reason or authority to cancel my account out of the blue in its unjustified unwarranted practice, is Dave justifying its actions on closing consumer accounts based on account activity such as spending, atm withdrawals, etc.?
Product: Debt collection

I repeated get calls for another persons debt. I have explained to them on more than 10 occasions they have the wrong number and to cease any/all calls to my number, yet the calls continue
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request for Documentation Under FCRA Section 1681 ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally demand that you provide me with all information and documentation that you allegedly received to validate the fraudulent accounts that have been reinserted into my credit report. As a victim of identity theft, I have consistently disputed these accounts, and I am appalled that Experian has chosen to reinsert them despite my clear and documented disputes. 

Here is the list of fraudulent accounts that were reinserted illegally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXXXXXX XXXX ; {$1100.00} In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681 ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to request the following : XXXX. A detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information that was contacted in connection with the reinsertion of these accounts. 

XXXX. Copies of all information and documentation that was provided to Experian by the credit card companies or any other furnishers to allegedly validate these fraudulent accounts. 

As mandated by law, this information must be provided to me within 5 days of your receipt of this letter. Failure to comply with this request will result in Experian being in violation of the FCRA. 

Be advised that if my request is not fulfilled within the specified time frame, I will pursue legal action under USC 1681n for willful noncompliance, seeking monetary damages as permitted by law. 

This is not a mere request but a demand that you fulfill your legal obligations. The fraudulent accounts in question have caused significant harm to my credit standing, and I expect nothing less than full compliance with this demand. I am fully prepared to take this matter to court if necessary to protect my rights. 

Please confirm receipt of this letter immediately and inform me of the steps you will take to comply with my request. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I contacted Citibank to file a dispute on charges debited from my account by XXXX XXXX in XXXX, Florida. I conducted business with this company over the telephone for credit repair services. The company did not do anything to repair my credit, more than 90 days passed from the time I paid the company and nothing was done on their behalf to assist me with the credit repair services they promised. I contacted Citibank on XX/XX/XXXX and filed a dispute for the charge of {$300.00} debited from my account on XX/XX/XXXX and for {$500.00} debited on XX/XX/XXXX. I reached out to XXXX XXXX and the individual I spoke to told me they were not going to refund my money even though they have not provided the services they promised for {$800.00}. I decided to contact my bank fro assistance. Citibank denied my claim on XX/XX/XXXX based on the fact that the information I provided was not enough to support my claim. I did business over the phone with this scammers that fraudulently stole my hard earn money. I did business over the phone with the company off course I do not have anything from them to show to Citibank, I never signed any documents with this company, I provided my information to them in good faith that they will deliver on their promise to assist me with credit repair in turn I get robed for my hard earned money and Citibank allows that to happen I am their client. They are not taking care of my claim as a consumer.
Product: Mortgage

I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( Countrywide mortgage I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX  bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ). Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of Countrywide Mortgage . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after LoanCare LLC reporting 90 days late and my credit score was greatly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

I am writing to file a 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 of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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: Bank account or service

On XXXX/XXXX/16, I went to Bank of America and made a deposit of {$4300.00}, at a teller station. I was given a receipt with an available balance of {$6400.00}. I then stopped at the ATM as I was leaving the branch and made a {$40.00} withdrawal, followed by an online transfer to another Bank of America customer in the amount of {$2500.00}. Bank of America is now claiming that I did not have sufficient funds in my account for the transfer and is using my overdraft protection and charging my BofA credit card in in the amount of {$500.00}. On XXXX/XXXX/16 I made another online transfer to another BofA customer for approx {$1800.00}, for which BofA is again claiming I didnt have sufficient funds for and is again charging my credit card for a subsequent {$100.00}. This Unfair as I was provided a receipt showing my available balance having sufficient funds for the XXXX transfers. BofA is attempting to increase my credit card balance by {$600.00} unfairly. They should not be allowed to clearly violate both UDAAP and Regulation CC by holding my funds for more than the law allows. Under Reg CC the funds need to be, at a min, available the next day. I have attached both the receipt i was provided and my online activity showing how BofA has processed my transactions. I attempted to call BofA, but they just reiterated what the activity is showing. I 'm sure BofA can look at the daily branch journal ( the deposit slips ), video cameras, to see i was in the branch and made a deposit. I want BofA to correct this error and fix their systems to prevent other unfortunate people from having to deal with this. What if someone does n't have OD protections - then they are hit with fees? How can BofA be allowed to get away with such CRIMINAL activity?
Product: Debt collection

A company calling themselves GC Services is calling my telephone number XXXX attempting to collect a debt that does not belong to me. I have told them before to not call my number, but they wait a few months and resume their harassment.
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times. ALL of my XXXX XXXX accounts were paid. One was settled but still paid. This should not be reflecting derogatory on my credit report. Now since the update it has decreased my score significantly. This account was NEVER included in a bankruptcy.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed some things were not correct. I sent a letter to Equifax on XX/XX/2023. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

My Synchrony-savings account was restricted And they havent given me a valid reason why even when i call them and tell them that i have done nothing wrong on my account. Im telling them i can verify everything on my account but they are saying the back office deals with this and even when i get a manager on the phone they tell me the back office doesnt take phone calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act, the PORTFOLIO RECOVERY account XXXX XXXX   has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

This account status is labeled as opened. Which is also false. No agreement to distribute funds to this creditor occurred.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries about XXXX  XXXXXXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.
Product: Debt collection

Enhanced recovery places collection on credit for an account that belonged to XXXX XX/XX/22 I reached out to enhanced recovery asked for original contact with wet signature and proof that they bought the debt I have not received any information
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to look into the evidence submitted about accounts that actually are reporting false information on my credit report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XXXX XXXX2023 the credit card company said I owed them a minimum payment of about {$41.00}, so I sent them an {$80.00} payment for it on XXXX XXXX2023. They ignored my payment as if I didn't make it and overdrew my credit line by {$20.00} and said I still owed them a payment of {$41.00} on XXXX XXXX2023. They also charged me a {$10.00} over-the-limit fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX XXXXXXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXXB Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

I filed a FTC report on XX/XX/2021 to get the account removed. All the other accounts addressed in my report were removed, but this auto loan with Credit Acceptance Corp stayed on.
Product: Credit reporting

I have contacted Equifax several times about XXXX inquiries and as of now XXXX fraudulent collection accounts that have not been removed from my credit. I have completed XXXX identity theft affidavits and Equifax has failed to properly remove items from my credit report per FRCA regulations. Attached is the letter that I have mailed to Equifax about the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX  Date : XX/XX/23 Action : I called XXXX and they said to contact the creditor and when I contacted creditor they did not want to assist in removing the inquiry that I did not authorize.