23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to inform you and seek intervention in a matter that significantly impacts the financial well-being of countless Bank of America credit card customers , including myself, my husband, and numerous acquaintances. Despite repeated attempts to address this issue directly with the bank, amounting to over 10 hours of customer service calls, the resolution offered was merely to file a customer complaint internally with Bank of America, which has proven ineffective and does not alleviate the financial risks posed by this glaring omission in their service. 

The issue is Bank of America 's failure to offer a customer-facing " auto-pay '' feature for settling credit card " Statement Balances, '' a basic yet crucial function standard across the banking and credit card industry. The absence of this " auto pay full statement balance '' feature has led to unnecessary financial burdens due to missed payments, accruing late fees, and escalated interest rates, adversely affecting credit scores and financial stability for millions of Americans. 

What is particularly disconcerting is the bank 's apparent lack of initiative to rectify this situation, possibly due to the financial benefits it reaps from penalties imposed on missed payments. This situation raises serious concerns about the bank 's commitment to consumer welfare and the potential exploitation of its customers. 

Given the CFPB 's staunch commitment to ensuring fair, transparent, and competitive financial markets, I urge your office to take immediate action. Bank of America 's customers desperately need a customer-facing auto-pay feature to settle their full statement balances each month on their personal and business credit card payments, aligning with industry standards and safeguarding consumer interests from potentially unfair practices. 

I am ready to provide further details or documentation as required and eagerly await your prompt and decisive intervention in this matter. Today ( XX/XX/year> ) was my final attempt to rectify this issue with them after spending over 10 hours trying to get ahold of a customer service representative who could help me address it. The conclusion was that Bank America does not offer this feature, and customers must manually log in to pay their full statement credit card balances each month. This process can not be automated with any customer-facing features, which does not align with industry standards.
Product: Checking or savings account

I been overdraft for years and I feel like I didnt deserve to be overdraft XXXX of dolors
Product: Credit reporting or other personal consumer reports

My information was breach and I'm active duty military and I have a security clearance. I want reported accounts to be removed : Account Number XXXX XXXX Balance {$4500.00} Account Number XXXX XXXX Balance {$33000.00} Account Number XXXX XXXX Balance {$22000.00} XX/XX/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 CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AZ XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX XXXX  XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX XXXX  XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Automated XXXX Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Interview System XX/XX/XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX XXXX UPDATE Automated Consumer XXXX System XX/XX/XXXX XXXX UPDATE Automated Consumer XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within XXXX  days gives reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry XXXX XXXX XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) XXXX XXXX XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX : New Inquiry COMENITYBANKXXXX  None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of account XXXX from my credit report due to its association with unlawful and unethical practices by XXXX XXXX and the original creditor, XXXX XXXX. 

XXXX XXXX violated 50 U.S. Code 3952 under the Servicemembers Civil Relief Act ( SCRA ) by repossessing my vehicle during my XXXX military service without obtaining the required court order. This is a direct infringement on federal law and my rights as a XXXX. Furthermore, XXXX XXXX  business registration in Texas is inactive, and their right to conduct business has been forfeited, making them legally ineligible to report debts to credit bureaus. 

XXXX XXXX subsequently purchased this debt without conducting a proper investigation, in violation of standards outlined in XXXX XXXX XXXX XXXX. Additionally, I was never notified of the debt transfer, and XXXX XXXX has failed to provide any correspondence or validation of the debt, rendering their claims baseless and invalid. Their documented history of regulatory violations further highlights their unethical practices in debt collection.

Given these circumstances, I demand the immediate removal of account XXXX from my credit report with your agency
Product: Credit reporting or other personal consumer reports

I was in the rate reduction program, I was told that my ability to continue the program had come to and end. I explained I was unable to make my payments. They explain that they could not Offer me the program and I could make my regular payment of XXXX + or I could pay the interest only which was XXXX. They later reported me to the credit bureaus as more than 60 days late in XXXX of 2024, this was also during the time the president issued a protection against student loans under Covid. After I was reported to my credit bureaus they then offered me the program that they originally told me was unavailable. I need them to remove this from my credit report as it is damaging and causing me further hardship financially. Please look into this for me. We already know they havent been the most forthcoming or honest with there borrowers
Product: Debt collection

Wakefield and Associates at XXXX XXXX XXXX in XXXX Tn is trying to collect 2 debts from me. They are both medical debts. One is from XX/XX/XXXX and the other from XX/XX/XXXX. I had originally made a couple of payments to lower the balance owed to XXXX XXXX XXXX. They sold the debt to Wakefield. Once Wakefield received it, they called me multiple times a day. Once I answered and told them that I would pay what I could, when I could. I never agreed to a set amount. There was one month when I couldn't make a payment due to low hours at my job. After that, they sent me a letter stating that I broke my promise and that they were then going to start charging me interest. I never agreed verbally, or in writing, to pay a set amount. I mailed them a letter requesting copies of the original contract to try to verify if they can legally charge me interest. Under Georgia state law, they must provide me with the original contract that I signed. They failed to do that. Instead, they sent me a statement for each account. In the statements, it shows the original balance, as well as payments that I made. They included a separate paper that shows the amount of interest they have added. They can not legally charge me more than I owe, unless I agreed to pay it in the original contract. They also refuse to send me the original contract, which is a violation of Georgia State Law and Federal Law. I have made them aware of the laws they are breaking, but they insist that the debt is valid and that I have no case. Georgia statute of limitations on medical debt is 6 years for a written contract, and 4 years for an implied promise to pay with no contract. One bill is from XX/XX/XXXX, and one is from XX/XX/XXXX. They continue to drop my credit score each month when they tack on more interest. This is clearly illegal and it needs to be stopped.
Product: Student loan

My student loans are covered under the CARES act extension in XXXX. My servicer is Great Lakes. I logged in to my XXXX account to check my XXXX Score and noticed that the score had dropped about XXXX points. There are no changes anywhere that would cause this and then I remember that my student loans and gone out and back under CARES. 

When I looked at the status, the loans show under 'deferment ' not 'administrative deferment ' which means the status indicates I requested they be placed in deferment. I did not. 

Great Lakes was sued over this once already : XXXX XXXX XXXXtrXXXX XXXX XXXX XXXX I contacted them today and asked them to modify the reporting and they will not.
Product: Debt collection

On XX/XX/2023, my credit report was obtained and was used to apply to multiple creditors. Someone broke into my car and stole all of my items including personal bank cards, id and social security. My credit has had a fraud alert on it to not be obtained and the companies still went against my credit protection and faulted me for a debt that was not mine. I have been in military training and have no way of applying to anything.
Product: Credit card or prepaid card

I opened a XXXX XXXX mastercard through Barclay 's on XX/XX/XXXX. The credit card came with a bonus offer of XXXX XXXX airline miles after {$1000.00} in purchases. The fine print reads " XXXX bonus XXXX will be awarded after you spend {$1000.00} on purchases that are not later returned or rescinded. Bonus XXXX will be awarded 4-6 weeks after the close of the billing statement on which the qualifying purchase has posted. '' {$1000.00} in purchases were completed by the close of my XX/XX/XXXX billing statement ( {$1000.00}, to be precise. Total payments were {$1100.00} including a {$99.00} annual fee ). That billing statement did not, however, indicate any amount in the " Bonus XXXX '' section. Furthermore, it has been 6 weeks now since the close of that statement, and the XXXX miles have not been credited to my account. 

Both attempts to reach Barclay 's through the secure messaging system and via phone with customer service representatives have proven unfruitful. Barclay 's is no longer responding to my messaging requests. A phone representative DID admit that this was a mistake on Barclay 's part, and the miles should have been credited long ago, but she was unable to offer any resolution or guarantees that the mistake would be corrected other than " they would look into it. '' Promised follow-up phone calls to me have not been made, and Barclay 's has not reached out to confirm their error or remedy it.
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. 

XXXX ) Experian Account # XXXX has violated my rights XXXX Account XXXX XXXX has violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXXhas violated my rights XXXX Account XXXX XXXXhas violated my rights XXXX ) Experian Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A XXXX 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. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

XXXX of XX/XX/XXXX I asked for help with car payment XXXX  parent, XXXX And I am looking to rescind my contract I noticed billing errors Extremely high monthly notes And I was denied threaten to have my vehicle repossessed Until something is paid Over charged with random fees just to obtain a vehicle Paint protection fees {$890.00} XXXX XXXX {$890.00} Down payment was required and accepted 15 usc 1605- 1635 all codes broken XXXX XXXX XXXX miles XXXX XXXX {$500.00} down payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX XXXX account number ending with XXXX ). 

This had been a reposession that was redeemed. This account has a current pay history since redemption ( I have attached a pay history from XXXX XXXX ). 

XXXX  XXXX is reporting the correct status of " current '' because it is updated on at least XXXX of my other bureaus. But this bureau still has the account listed with a present status of " repossession '' without my current pay history. 

I have disputed this with this bureau and they have left the status the same. This is a violation of my federal rights under the FCRA.
Product: Mortgage

Pennymac mortagage is my current loan company for mortgage. They ran escrow analysis and as if XX/XX/2019 they are charging me for double insurance and there are 2200 in payments they are not including in my escrow account causing my mortgage payment to sky rocket from 1600 to 2200. I called several times and they told me a refund was pending, however, I called in XX/XX/2019 and no body helped including supervisors throwing me as responsible for payments that I made for insurance but that they are not putting into escrow. I'm being over charged and this is abusive collection practice.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022 - I had sent my complaint letter to Coinbase, in which I clearly stated how this scam has affected me personally, psychologically and financially. 

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by " XXXX '' which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm. 

Coinbase refused to help me on this matter.
Product: Debt collection

I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap They are also reporting collection as an open account on my credit report this alone is a fcra violation. Delete delete
Product: Credit card or prepaid card

The documentation that is being sent back is not supporting the claims of your AMEX department. 

I have sent American Express over 30 pages of documentation collected, highlighted, notated multiple times. 

I have filed a dispute for the amount of {$2700.00} due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee  of {$290.00}. 

The result of the dispute is that Amex sends XXXX Documentation stating that they believe the claim is not legitimate and will not refund the cost. 

The dispute is not with XXXX. It is with AMEX due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee of {$290.00} I have filed 3 CFPB claims and the response is that AMEX acknowledges the call was made and that We found that we could have provided you with a clearer response on the expectations of the dispute process and any outstanding fees you may have to pay to XXXX during that call. 

The documentation that is being requested from the dispute can not be provided to the dispute department due to : Please note, phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena How am I supposed to provide you with supporting evidence of the call when you won't release it without a subpoena? 

You confirm and acknowledge that the call exists where the dispute agent on XX/XX/2018 with explicit advice in plain English to not pay the arbitration fee. 


Why are my cases now being closed with the response I am no uploading supporting documentation, when the only documentation needed is internal to American Express? 

Attached is a PDF version of this letter with references to cases both opened with American Express and CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in mid-XX/XX/XXXX. Since then multiple fraudulent accounts have been opened around the country using my name ( most of the accounts were with cable companies ). I have put a freeze on my credit report and have successfully challenged all of those fraudulent items on my credit report except this one that I am submitting this complaint about. 

In XX/XX/XXXX, Sequium Asset Solution put a negative item on my credit report for a claim of {$1700.00}. When I became aware of this around XXXX, I contacted Sequium to ask what this was about. They told me that they could not tell me and that I had to contact XXXX. I did speak with XXXX about this and other fraudulent negative items on my report. XXXX was not sure what Sequium 's claim was for but XXXX  did give me very helpful instructions on the process for submitting paperwork to them to challenge all of the claims. After following those instructions, every negative item on my report was removed except the one posted by Sequium. 

In XXXX I called Sequium to ask again what this claim was about and to find out how I can challenge it with them. They initially told me that they couldn't tell me what is was about, when I informed them that I would report them to the CFPB, the person then said she would transfer me to a supervisor who could help me. After waiting on hold for 30 minutes without speaking to anyone I hung up and instead used their online form to submit my questions. I submitted my question approximately 3 weeks ago and I have not received any response. I still do not know what this claim is for and Sequium refused to remove the negative item even after I submitted proof of my actual identity to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX {$6500.00} XXXX  XXXX XXXX  XXXX {$540.00} XXXX {$0.00} XXXX XXXXXXXX {$540.00} XXXX  XXXX {$870.00}