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

15 year customer with Bank of America, past three years have been problematic Online notifications not working, causing overdrawn fees, only getting paid 11 months out of the year as a teacher and getting charged a maintenance fee since no autodeposit in XXXX every year. 
When called to speak to customer service always had to escalate to a supervisor Was told my account was flagged and blocked for any credits by numerous representatives the last few years. 
When I tried to close my savings and checking account by transferring money out I was immediately ( within 24 hours ) charged a monthly maintenance fee even tho the minimum balance {$300.00}, was in the account until the XXXX of the month and I called to close my account on the XXXX. 
The account was fully compliant for 12 out of the 15 days for this month. 
I was not able to close this account since there is a negative balance. 
Again after speaking to a supervisor no credit or proper solution was offered Its a {$5.00} charge. 
I was told that if I didnt pay the negative balance that it would go to collections
Product: Credit card

In XXXX I noticed that my balance was too high and I know for a fact I was involved in several data breaches and I had been traveling internationally. I mad a complaint with the FTC about possible identity theft. 

There are two accounts ending in XXXX and XXXX I sent a letter to Chase at the end of XXXX. They received my letter because they sent me a response dated XX/XX/XXXX but only mentioned account XXXX. 

I received a 60 day late payment on my personal credit report about account ending XXXX which is a business card. In the letter they said they could not find the transaction I mentioned but that was a vague response. I called their offices as well and spoke to agent who did not give me much information I said I would call back at a later time. 

The process is difficult trying to sort out a billing issue and now I've been denied a credit application ( adverse action ) because of a 60 day late payment which is a false statement. 

I believe this very unfair as the Fair credit billing act says they can not charge me any interest or late fees for 60 days but they did as you can see on the statements. 

Even though it is a business card they either are not required to follow the FCBA so then it should also not be a negative mark on my personal credit card or either dthey do need to comply with the FCBA and the FCRA. 

I still want a master file to find where the charges are are that do not belong to me. 

I have always paid on time my bills with Chase so this situation has created alot of stress and they have been uncooperative.
Product: Money transfer, virtual currency, or money service

My CashApp account was logged into from an unknown device. There is an unauthorized charge by the hacker for {$22.00}. I've never sent money to this person. I was hacked.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I noticed some inaccurate information on an account of mine. XXXX XXXX account number ending in XXXX is reporting 2 late payments from XXXX and XXXX of XXXX  that are inaccurate. I have never missed any payments on this loan and this account is almost XXXX XXXX XXXX. I'm requesting an investigation into these discrepancies. I'm asking for these payments to be updated promptly and to on-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX '' " Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15-USC-6802. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 A section 2 states that ''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 written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX ( XXXX ) whether it is verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ) states that ''A financial institution may not disclose non-public personal information to a non-affiliated third party unless-the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( A ) ( 5 ) states ''Except as authorized under subsection ( B ), 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 ( 7 ) years. '' This account is an adverse item they are reporting again without my permission, which is against the Law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states ''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. 15 U.S. Code 1681 ( E ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( C ) of this title and to limit the furnishing of consumer reports to the purpose listed under section XXXX ( B ) of this title. '' Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services ' Transunion and XXXX are consumer-reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared according to the fair credit reporting act 15 USC 1681 section 602 A ) states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. Also 15 USC 6801 which states ''It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers ' non-public ''
Product: Credit reporting or other personal consumer reports

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitored. https : XXXX and https : //www.vec.virginia.govXXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXXSince my work as a Federal Proposal Manager is dependent on the Federal Budget and a lack of threats of US Government Shutdown, few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/year>. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/year> ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( account name ) Credit Card - Revolving Terms ( account type ) is  being reported to XXXX incorrectly. The status says open, though it has been closed since XXXX.
Product: Credit reporting or other personal consumer reports

I disputed this account several times with each credit bureau. Equifax and XXXX refuse to remove the account from credit report even though the date of first delinquency date is incorrect. They noted it as XX/XX/year> but it was XX/XX/year> which matches the last date of payment. Its also too old to be on my account. Its been 7years! This is so long ago, I cant even provide a loan or account number because the emails from years ago dont include the account info. I have no paperwork from them etc
Product: Credit reporting, credit repair services, or other personal consumer reports

When  XXXX  made the change from  XXXX  to Visa,  XXXX  issued me a new credit card. I am also a   XXXX   banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out v ia   XXXX   XXXX     credit score mon itoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX   membership fee ( automatically ) on that card, and was never told about it. By that point my payment   was about 6 months late and had an addition   XXXX   dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX    dealt with this situation poorly.      However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell b y   XXXX  points  , and has recovered    XXXX     points  in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
Product: Credit reporting

equifax keeps sending me results as verify and reporting correctly when the account needs to report otherwise.
Product: Credit card

Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan and paid back all principle. I then had the Wisconsin Dept of Financial Affairs tell me they are not licenced in WI. I started payment plan, and paid another {$150.00} and then canceled the agreement of {$600.00}. They say they are part of the XXXX XXXX, they do not reside on their land and are only affiliated with XXXX XXXX. Their practices are wrong and misleading. Why do they not have to follow the laws, but others do? It says XXXX XXXX is on the reservation, but then does business as Zocaloan? Why a different name? Because Zocaloan is not on tribal land. See their loan description .... 

The words you and your mean the borrower who has electronically signed it. The words we, us and our means Rosebud Lending LZO d/b/a ZocaLoans. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the Tribe ), a federally recognized sovereign American Indian Tribe. All disclosures in this Agreement are also terms and conditions of this Agreement.

This is from Website ... 
ZocaLoans loans are designed to assist you in meeting your emergency borrowing needs. Rosebud Lending LZO is the tribal lending agency of Rosebud Lending, a subsidiary of the Rosebud Economic Development Corporation, an economic development arm and entity of the XXXX XXXX XXXX, a sovereign nation located within the United States of America and operating within the Tribes reservation. Rosebud Lending does  business as ZocaLoans. 
ZocaLoans does not lend in all states. 

Id like to find out their physical address and not PO Box . There were many of these places sued in California for doing this exact same thing.
Product: Debt collection

This company is attempting to re-age a previous medical collection account that they purchased on the secondary market. The original medical debt was disputed due to improper insurance billing on the providers part. The provider failed to correctly collect payment from my health insurance and then sent my account to collections where it has been bought and sold for years.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX asking all 3 data collectors Experian, XXXX, and XXXX advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA, Experian, after several disputes, regarding inaccurate reporting for XXXX Acct # XXXX keeps returning my disputes with the following statement, " the information you disputed has been verified as accurate '' ( latest response, Report # XXXX, XX/XX/2020 ). 

Federal Law requires that this item be immediately removed because the information is inaccurate and, can not be verified.

The account is missing several years of payment reporting history. Experian is reporting one year of payment history on my report, with a one month collection. I have repeatedly asked them to investigate this for missing payment history and missing highest account balance. I have reference the Fair Credit Reporting Act, pleading with them to be compliant and remove this account.

Instead, they have falsely stated that the account has been verified as accurate. How can an account that has been opened for over 3 years, reporting one month of payment history - which is negative - be accurate. Experian is suppressing my score, making it difficult for me to access credit. They are in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAIN AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking  {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card or prepaid card

XXXX XXXX Claim Date : XX/XX/XXXX, 2017 Claim Number : XXXX Claim Amount : {$2800.00} Disputed transaction error twice both times it was no error found I put all the necessary documents together and still no remedy. Netspend is now settling a class action suit in the amounts of {$53.00} million. They have opened accounts in my name and I requested them to close and still no action. Please help me they have hurt me financially.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and escalating anger concerning the repeated failures to address and correct the late open accounts and remove public records from my credit report. Despite multiple attempts to rectify these issues, the persistent inaccuracies are wreaking havoc on my financial well-being and causing immeasurable XXXX. 

I initially flagged the presence of these detrimental items on my credit report. Subsequently, I have submitted an alarming number of dispute requests, each accompanied by exhaustive documentation to support my claims. Shockingly, these efforts have proven futile, as the late open accounts persist, and public records continue to tarnish my credit history. 

This protracted ordeal is not only damaging my creditworthiness but is also adversely affecting my ability to secure essential financial opportunities. The sheer number of attempts made to correct these discrepancies, without any meaningful resolution, has left me exasperated and disillusioned with the efficacy of your dispute resolution process. 

I demand an immediate and intensive investigation into this matter, with an explicit focus on correcting the late open accounts and removing the public records from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the consistent failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a thorough response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and pursue legal avenues to address these persistent inaccuracies on my credit report. 

Attached to this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to correct these late open accounts and removed the public record in my credit file : XXXX  XXXX XXXX Balance Owed : {$2100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
XXXX  XXXX XXXX Balance Owed : {$1000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
Chapter XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me.