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

My complaint is against Bank of America. 

Bank of America was making monthly automatic payments to XXXX   XXXX XXXX from my BOA checking account. In late XXXX, the XXXX XXXX XXXX was paid in full and the account closed. Inadvertently, Bank of America made one extra payment to XXXX   XXXX for {$2600.00} on XX/XX/2020, after the XXXX XXXX XXXX   account was closed. I contacted both XXXX XXXXXXXX and Bank of America as soon as I discovered the debit from my Bank of America account. Both institutions assured me that the overpayment would by credited back to my Bank of America account. 

After several weeks of not seeing the refund post, I initiated a case with Bank of America, first trying their telephone support and later through their messaging center. 

XXXX XXXXXXXX sent a letter to Bank of America on XX/XX/XXXX, stating, " Enclosed please find check number XXXX dated XX/XX/2020 in the amount of {$2600.00} ... '' I am attaching the complete letter below. 

On XX/XX/2020, I received a message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

After seven business days the credit still had not posted. 

On XX/XX/2020, I received another message from Bank of America stating, " This credit will post to your account within 5 to 7 business days ... '' I am attaching the complete message below. 

I am attaching all written correspondence I have had with XXXX XXXXXXXX and Bank of America. 

On XX/XX/2020, I went to the Bank of America XXXX office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I spoke at great length with the branch manager, XXXX XXXX. He assured me that the matter would be rectified by XX/XX/2020. Mr. XXXX is not taking or returning my telephone calls at this time. 

In addition, today I discovered that every message concerning this case in my Bank of America account online web page has been mysteriously deleted. Fortunately, I made copies before these disappeared.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 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 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 reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a XXXX veteran and had 2 usaa secured credit cards : one with a {$5000.00} limit and one with a {$1200.00} limit. Times got tough and I was unable to pay my bills all the way off. There were just a few dollars owed on each account, but the late fees and over the limit fees caused them to go to approximately - {$75.00} and - {$120.00}. I attempted to reopen the cards and was told I couldn't do so via chat to call. Then I called and was told I couldn't do so via phone to write a letter. Then I wrote a letter and was told they couldn't be reopened because they were chargeoffs. Then I asked for a pay for delete and that was declined. Then I asked just to pay the debt and was told it is not their responsibility to provide a method for me to pay them since they are charge offs, that if I wish I can just send a check to the bank with a note requesting them to apply it to my account- which doesn't sit right with me. I requested an invoice and was denied. I requested to pay for them online and via phone and was told no. One representative helped me add them to my bill pay on the USAA mobile app, but thr system would not allow me to process the transaction- i was told " oh well, we tried '' in response. They are continuing to report the late balance on my credit report monthly, and I can not pay it or stop it or reverse it or anything. I want to buy a house and this is a big problem. I have been dealing with them on this issue for over a year. 

It's {$200.00} .... and I can't even pay it to make it stop. Let alone get it removed. I should have been able to pay this in XXXX. I have been with usaa since XXXX.
Product: Checking or savings account

My auto deposit payroll check for XX/XX/XXXX, was returned and XXXX notified me my checking account was closed. I went to US Bank and they said I was mail notification a month ago. Account closed and checks mail. I made an appointment to see branch manager. She told me it was closed and they had no posted reason. Checks were mailed and if I did not receive I could request them after XX/XX/XXXX. It was 2 checking account with $ XXXX in them. I have not received checks from the closed accounts. They closed them on XX/XX/XXXX. It is XX/XX/XXXX. It has caused my utilities to bounce and my XXXX XXXX to be suspended. No reason given have had an account for over 20 years and my saving two accounts are still open I have internet banking with them no notic on it just XXXX checking accounts gone no record these were good accounts with lots of perks.
Product: Credit card or prepaid card

I got a card with COMENITY BANK/ VICTORIA 'S SECRET on XX/XX/XXXX. 
I was having problems with this card and I decided to call customer service on XX/XX/XXXX in order to pay off my balance, as well I made a request to close my account. The customer service representative on the phone confirmed to me that my account was paid in full and my balance was XXXX. In addition she said that per my request she would close the account. Customer service representative provided me with a confirmation number # XXXX to confirm the closure of the account. Thereafter, a few months later I got a bill in the mail for {$4.00} and I called again to let them know about this bill and for them to correct the mistake. I was under the impression this account was closed. The customer service representative from Comenity Bank apologized to me and reassured me they will fix this mistake and they will fix it with their collection department and make sure it is deleted from my credit. Now we are in XXXX and this Comenity Bank/Victoria 's Secret company has reported late payments on my credit 4 times by mistake. This is affecting my credit and I really need help from the proper department in order to resolve this matter. Attached are all information that proves when I paid off this card and my request to close my account on XX/XX/XXXX. 

my account number with all credit company 's XXXX # XXXX XXXX # XXXX XXXX # XXXX I did some research on consumer rights and regulations. 
Based on 15 U.S code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after the date of receipt. 
It has been 30 days and you are in violation of this law because I am a victim of identity theft!! 

Please delete these items immediately. 

Less than 15 U.S code 1681b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately! 


Thank you for all your help with this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMERICAN EXPRESS XXXX
Product: Money transfer, virtual currency, or money service

Cash App was unable to reimburse me a {$20.00} transfer to my XXXX XXXX  account that was attempted from my mobile app associated with XXXX. I submitted a claim and spoke with XXXX XXXX. A card that is no longer available to use and was linked to the Cash App card has been removed from the Cash App mobile app. I would like the {$20.00} to either transfer to my XXXX XXXX  Account as planned that is associated to XXXX or returned back to my Cash App card.
Product: Debt collection

I have been contacted by this company via, phone call, email and text. I requested information to verify who they are and what this is about and they denied. They've been unprofessional and threatening over the phone. They said they would show up to my house and freeze my bank accounts
Product: Credit reporting

For starters this is not my debt I never was present or signed any paper work and I have provided this information to XXXX XXXX and they continue their aggressive collection practices XXXX XXXX, Purchase this debt from XXXX / XXXX in 2011 they deleted after 7 years of no activity, so XXXX has by law no right to continue to report XXXX XXXX and Experian are in violation of the fair credit act
Product: Credit card

I applied and was accepted for a XXXX XXXX, frustratingly the companies app offers no way to sign up for automatic payments. 

XXXX systems failed to notify me of a past due balance on my account. I received XXXX emails or text messages related to a late payment. The direct mail that was sent on XX/XX/year> and XX/XX/year> was labeled on behalf of Wells Fargo, not from XXXX. At this point I did not know of the association between the XXXX brands, up until that point it seems XXXX went out of its way in all marketing to not associate directly with Wells Fargo in any way. 

Furthermore the XXXX app was the primary way I made all payments, this app does not allow for auto-pay in any way ( reference XXXX ). Text message notifications regarding fraud on the account went to my wife instead of to me, my wife has no connection to the account ( reference XXXX ). 

Not only did XXXXWells Fargo fail to notify me properly of past due payment, they violated FCC regulations on permission text notifications, as well as failed consumers with no way to setup auto-pay in the XXXX app. 

Due to these issues by Wells Fargo, I was not given proper notice of late payments on my account, and the late payment remark on my account should be removed immediately.
Product: Debt collection

I had a credit card with Milestone with a {$700.00} limit for emergencies. Paid any charges off each time I used it for almost a year. Went on vacation. Lost my card and didnt realize it for a few days bc I wasnt using it as I didnt use it regularly to begin with. Got home and realized the card was not on my purse. Immediately went into the Milestone app and requested to lock it but there was no option to do so. I then called and requested it lock and reported it lost to which the rep said they would and still did not. Charges kept getting made on it. Had to use the call again and requested it be locked and reported it lost or stolen again. They did absolutely nothing. The thief maxed it out. The card had a XXXX balance when I lost it bc I had paid it off and had only took it with me in case of an emergency while we were out of state. After 6 months of fighting with them about it, they put it into collections with XXXX XXXX. They keep trying to get me to pay the fraudulent charges that I didnt make. Wouldnt do anything to help me resolve the matter. Put it on my credit report as a default. I disputed it XXXX times on my credit report and still it wasnt removed or investigated at all that I know of. I requested proof from them that the debt was valid. They never supplied me with proof. The account was charged off. I continued to dispute it repeatedly. Midland sold the debt to another debt collector, Midland Credit Management, in XXXX  and now they are suing me. This has been going on for years now and they still have never once supplied me with any proof I owe this debt or that they ever investigated the fraudulent charges made to the card.
Product: Credit reporting or other personal consumer reports

I was paying the credit repair company and it was taking a long time and it was hard to keep paying them in the creditors
Product: Student loan

Contacted EdFinancial by phone on XX/XX/2022 regarding a refund of my student loan payment for a total of {$8200.00}. My reinstated loan total should be {$9000.00}. They confirmed my request and said it had been submitted for processing but stated it could be up to 6 months before the loans are reinstated and the refund is made. 

In the meantime, others who have requested after me have received their refund, but every time I check on the status of my balance and refund, they have no information. I never got a confirmation of any sort and I have no clue if anything is actually being done. I will be considering legal action if their insanely slow timeline causes me to make unnecessary payments and I want my loan reinstated as soon as possible, the refund is less important, and I can wait on that.
Product: Student loan

I am filing a complaint against  XXXX   Dept of Education , because they had reported and continue to report that I have two late/miss payments for  XXXX   XXXX  on all  XXXX  loan accounts, this is incorrect because I was in school at University of  XXXX  during this time with in school deferment up until  XXXX   XXXX , after that I was approve for deferments  XXXX  &  XXXX  and currently have an Unemployment deferment for  XXXX . I have been in deferment since I started school in  XXXX .
Product: Debt collection

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : PROF DEBT, Account Number : XXXX. 
I would like forPROF DEBT to show proof of verification that I owe them {$1900.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Debt collection

I am a victim of ID theft, I have contacted them they refused to contact me back I request a block of this account according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.
Product: Debt collection

My information was shared with another company without my consent. 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices : Purpose The FDCPA was created to eliminate unfair, deceptive, and abusive debt collection practices. It also aims to ensure that debt collectors who don't use abusive practices aren't at a competitive disadvantage. Definitions The FDCPA defines key terms, including : Bureau : The Bureau of Consumer Financial Protection Communication : The act of conveying information about a debt to any person, directly or indirectly Consumer : A natural person who is obligated or allegedly obligated to pay a debt Creditor : A person who offers or extends credit, or to whom a debt is owed Validation of debts Section 1692g of Title 15-Commerce and Trade covers debt validation. It requires debt collectors to : Include the creditor 's name State that the debt will be considered valid if the consumer doesn't dispute it within 30 days Provide the consumer with the original creditor 's name and address if requested within 30 days Stop collecting the debt if the consumer disputes it or requests the original creditor 's name and address
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and report discrepancies, XXXX XXXX and zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and i have lost {$1000.00} due to their negligence.
Product: Credit reporting or other personal consumer reports

After examining my consumer report, I discovered that unauthorized inquiries still persist. Despite my efforts in communicating with XXXX and requesting a reinvestigation, the problem remains unresolved to this day. 

1 ) Unauthorized Inquiry Creditor : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 
XXXX ) Unauthorized Inquiry Creditor : XXXX  Date of XXXX : XX/XX/XXXX Please remove this inquiry from my credit report. 

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

My original lender, Finance of America, advised my that my first payment for my mortgage was due on XXXX XXXX, 2017. They then sold my loan to XXXX who advised me 6 months later that my first payment should have been XXXX XXXX, 2017 and that I was behind in monthly payments. My original complaint # XXXX was against XXXX and this complaint is related to that previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity in XXXX on XX/XX/2019 to open a leasing account with ACIMA credit. This fraudulent account is now reporting on my credit report as a collection account in the amount of {$3400.00}. I called ACIMA credit about this account and let them know it was not my account. They told me to submit a police report to XXXX. I have not received a response or correction to my credit reports.
Product: Mortgage

The mortgage company ( Round point ) failed to set up payment of my homeowner 's insurance through my escrow account, but still charged me monthly for the escrow payment. 

When it came time to renew my policy the money was automatically withdrawn from my personal checking account. The insurance company has sent numerous invoices to roundpoint at theirs, mine, and the insurance companies request so it can be paid through escrow and my personal account refunded, but after many weeks round point has failed to do so. 

They have requested the information and my account notes show the insurance company has contacted them about this many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$85.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Due to Covid 19 federal student loan interest has been suspended and loans are in forbearance. AES holds federal loans but is not doing either of the above measures. AES fails to comply with the CARES act.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXX XXXX account ( Account Number : XXXX ). 
The specific inaccuracies include : XXXX and TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX , they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you.

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.