23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Unauthorized accounts that are closed : XXXX XXXX, XXXX XXXX, Unuthorized Inquires Continued : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and Equifax failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

EQUIFAX on XX/XX/XXXX removed credit line with XXXX XXXX  AND security first bank, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX XXXX violation of the FDCPA and FCRA. Section XXXX ( XXXX ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA Equifax It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following XXXX changes were made to the entry : XXXX. Changed from student loan educational loan XXXX unsecure loan XXXX. Changed from XXXX year of ON-TIME payment TO no payments made XXXX. Changed from XXXX XXXX first TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
Product: Credit reporting or other personal consumer reports

XXXX never sent me balances and charges! XXXX sent a text of deficiency balance {$2900.00} No breakdown of charges now their reporting larger amount on my credit of {$3300.00} but its been charge off for years and they still adding more money on bill! This is illegal to add interest on a charge off unless your sending me statement of said charges! On my credit they are reporting over {$6000.00} on a car I bought for {$8000.00} and I paid XXXX down they are being ridiculous! Also they sold the car in XX/XX/year> but reporting on my credit wrong dates it says last payment received XX/XX/year> this is inaccurate last payment was XXXX! Fix the dates and the amount {$2900.00} was amount not over {$6000.00}! U cant add interest on a charge off and u refuse to send me breakdown of charges
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my consumer report : Source of dispute information : XXXX XXXX XXXX XXXX, Account number XXXX Type of disputed information : Falsely reported past due of >150 days, and falsely reported payments were missed. 
Dates associated with item being disputed : XX/XX/XXXX present. 
Explanation of item being disputed : o The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. 
o In XXXX of XXXX, I enrolled in XXXX XXXX mortgage forbearance program due to hardship of unemployment. They informed me that my new adjusted rate would be $ XXXX/month and the program would last until XXXX. I made all of those payments, and spoke with XXXX XXXX on a monthly basis about making sure I was fulfilling my obligation to them. I spoke with them in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. In every conversation, XXXX XXXX assured me that I had paid my obligation and was in good standing with the bank. 
o XX/XX/XXXX, XXXX XXXX called me and informed me they had removed me from the program due to lack of payment, and that I owed them. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. 
o Immediately after that call, XXXX XXXX reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX. 
o The following week, I contacted XXXX XXXX to request they conduct an internal investigation about my account. XXXX XXXX XXXX was assigned to my case. After conducting an internal audit, XXXX XXXX determined that they were in error. I was in fact up to date on payments, had never had a late payment, and that XXXX XXXX were in error of removing me from the program. They immediately re-enrolled me in the program, however have not resolved their erroneous reporting to credit agencies. 
o XXXX XXXX 's XXXX XXXX ( XXXX ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a XXXX XXXX customer for ~15 years, and have my mortgage with them. The XXXX forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls. 


I have reported errors to the credit agencies and attached is the letter and proof of the issue XXXX has created.
Product: Checking or savings account

On XXXX/XXXX/XXXX I received a message via text stating my account was in the negative by {$11.00}. I go online and see the maintenance fee posted causing the account to over draft all other transactions were covered by the monies that were in the account. I go back into the account on XXXX/XXXX/XXXX to look to see if my direct deposit from XXXX was there and what I encounter is that BB & T has posted the maintenance fee as if it was a transaction that was before other charges and the transactions that were cleared with the money in the account is now showing up as over draft and at this point BB & T has not erroneously but with deliberate actions placed the maintenance fee before my other transactions when in fact the maintenance was posted after and that was the only transaction that did not have enough funds in the account to cover. I was just assessed another overdraft fee in the amount of {$36.00} on a transaction that clearly was done before the maintenance fee and the funds were available for that transaction as well. The grand total for the overdraft fees is {$140.00} which has not been just erroneously placed but rather fraudulently placed on the account by BB & T. The only overdraft fee I should have had assessed would have been for the maintenance fee. This is not the first time BB & T fraudulently placed a fee on my account. On XXXX XXXX I went to the BB & T ATM and pressed the fast cash button immediately after I pressed the option I realized it said checking and the money was in my savings. I pressed cancel on the key pad and any other ATM I have encountered immediately stops the transaction but not BB & T 's ATM machine. I was charged XXXX transfer fee. I went into the bank and explained I immediately pressed the cancel button however the transaction continued. The teller I was speaking to in the branch said the ATM does that.
Product: Credit reporting or other personal consumer reports

According to the ( Fair Credit Reporting Act ) 15 USC 1681 section 602 ( a ) states, and I quote. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, and I quote " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that, and I quote " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Experian and ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that and I quote " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states and I quote " Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A, states and I quote " 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. I made every attempt to correct the inaccurate account information, far as dollar amounts, inaccurate names and addresses. 15 U.S. Code 1681e states and I quote " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that and I quote " A consumer XXXX exercise the right to opt out at any time. " I am opting out of any and your reporting services. 

CFPB complaint ID XXXX
Product: Payday loan, title loan, or personal loan

I received a notice of a loan available to me from Mariner Finance in XX/XX/XXXX. I went to the bank branch in person ( about 1 hour away from my home ) to take out a personal loan in the amount of {$1500.00}. I received less than this because about {$400.00} of that was the cost of taking out the loan. I made my first payment online in XX/XX/XXXX and signed up for automatic payments through my bank. I never received a statement from these people. In XX/XX/XXXX I get a phone call from Mariner Finance telling me I missed my payments. I explained to them that I was signed up for automatic payments but they said there must have been a problem because even though she could see that I had signed up for the automatic payments, it didn't go through. At that moment I paid two months over the phone with the representative and signed up again for automatic payments with the representative verifying the bank information. Again this company never sent ANY statements and I assumed everything was fine since I could see from my bank statements that they were taking the money from my account. On XX/XX/XXXX, I get another call from Mariner Finance. The representative again claims I am late. I ask her how that is possible if I am with automatic payments. She says she does not know how I got kicked out of automatic payments but now I could only make cash payments ( at the branch 1 hour away )! I tried to make an online payment but the system said no online payments allowed. I told the representative to send me a statement and all I get is a printed out list of payments. The list reveals that the first payment I made was reversed by them and again in XX/XX/XXXX. This company refuses to allow me to pay. They seem to want to make it impossible to pay their debt. It all seems VERY shady to me. I can not drive 1 hour every month to pay this bill. I honestly think this company has serious irregularities that should be looked into.
Product: Student loan

This is secondary complaint to closed ( without resolution ) case XXXX. Although Mohela admitted they should not be accruing interest on my federally-held direct student loan during the forbearance, and even removed interest accrued before XX/XX/23, they are AGAIN accruing interest on my loans, so far {$8.00} since XX/XX/23. The incompetence and at this point outright fraud being displayed is enraging. How many other people forced to deal with Mohela as a servicer are experiencing this same issue unknowingly?
Product: Credit card

On XX/XX/XXXX, Care Credit charged me a late fee of {$30.00} to my credit card account, after i didn't pay on the due date. I made my payment XXXX XXXX, XXXX. Then on XX/XX/XXXX, they charged me {$2.00} interest related to this same late fee. On XX/XX/XXXX, Care credit charged me {$35.00} late fee again. On XXXX XXXX, XXXX they charged me {$3.00} related this late fee. This time i did not pay my bill. The reason for the late fee and interest is based on an error in care credit system. I am signed up to receive Push notifications ( i have the app on my phone ) and email notification to let me know that my bill is due. I NEVER receive the notices, and therefore I've been late 3 times in a row. That's never happened and I've been with this company for about 5 years. There system isn't doing what it is supposed to do, and therefor it is an error on there behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX and XXXX credit reporting agencies falsely reported a collections in the amount of {$130.00} and {$1200.00} from a collection agency named LVNV FUNDG. This is not my debt, nor did I sign for any debt related to this collection agency LVNVFUNDG with these amounts. I disputed the above-mentioned collections through the normal disputing process provided by both ( XXXX and XXXX ) credit bureau agencies. Both agencies returned within a few days that the debt was verified with no documentation or contractual agreement from LVNV FUNDG. This is fraud and both credit bureau agencies ( XXXX and XXXX ) did not follow the proper protocol or investigation promised by their agencies on my ( consumer ) behalf. No company should be allowed to report false debt on a consumer credit report. I am asking that the two ( 2 ) collections be removed, as they are false debt and do not belong to me. 
Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to incorrect items on my credit reports, it has been well over 30 days and i have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a diamond wedding ring and the diamonds fell out the ring. The ring was in the stores possession for around 6 months. I got a defective product. I should not have to pay for the months their company had my ring in the repair shop. Zales did not sell me quality merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX - DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on the XXXX XXXX XXXX  XXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference page 12 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX as a result of news report that Equifax was hacked, I checked, if my name was on the list. They responded with an e-mail XXXX XXXX, XXXX, to return to the website in a few days, to enroll in freeze and credit monitoring. 
On XXXX XXXX I again attempted to contact Equifax. They acknowledged my inquiry " Thanked me '' and asked me to look for e-mail to further the process. 
As of this date XXXX XXXX, XXXX, no conformation has been received. 

Please advise of a course of action I should take. Your help and assistance would be greatly appreciated. 

XXXX XXXX XXXX XXXX ) XXXX