23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follow : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XX/XX/2013 Balance : {$2900.00}
Product: Debt collection

My wife serves in the XXXX so I always have TRICARE as my health insurance. 

In 2015, I started buying Blue Cross Blue Shield ( BCBS ) health insurance from my job. TRICARE paid the XXXX XXXX XXXX Service as an old routine. Then it withdrawn the money it paid to XXXX XXXX XXXX Service because BCBS become my primary provider. 

Now unable to collect money from BCBS, XXXX XXXX XXXX Service disclosed my information to Lanier Collection Agency to collect the {$100.00} from myself. 

This is unfair because I am paying two insurance coverage. the BSBC shall pay first and TRICARE pay the remaining. I am threatened and afraid that this debt collection will harm my credits. 

With the head problem and this new stress, Help me please.
Product: Mortgage

sent closing documents with a XXXX year loan and a payment I agreed with. I signed the same documents multiple times over a XXXX  month period. I get a pre closing documents on the XXXX saying closing on the XXXX. I signed them. I haven't heard from the mortgage company for XXXX  days. then today I get another closing agreement with a XXXX year period and same interest. 
This is for a refinance of a boat loan. and this loan is worse than the loan I'm trying to refinance. They made my appraise my house for {$540.00} and then change rates and term after I do ... under my nose. Fraudulent and dishonest.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 my 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 21 days before the payment due date.

XXXX XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Debt collection

Constant and repeated calls from multiple different numbers. Looking for someone I don't know and never heard of. Calls have continued for months averages several per week. Lots of different tactics, all annoying and disruptive to my work schedule. First they would play a robo-recorded name of the person they wanted ... VERY LOUD over and over, then hang up. Later they would just let the call run without saying anything filling my voice mailbox.
Product: Checking or savings account

As most people do, I work very hard and pay my bills. I deposit my checks from work, and in return pay my bills. Before paying my bills or taking money out to give to roommates to pay my share of the bills, I check my account. I do not have the specific dates on hand as to Wells Fargo closing my account. Basically what happened is : I checked my account, paid all my bills that were due. A couple of days later, I get gas at the gas station and buy myself a soda. I check my account, still plenty of money in there. Good. Awesome. Next couple of days, get a soda from the store, {$5.00} here, {$2.00} there. Check my account, - {$600.00}. And some change. Excuse me??? Over 10 of the charges were $ XXXX/ each of overdraft fees. {$350.00}, in overdraft fees! I had even taken a picture of my check in my online statement SHOWING that my deposit had gone through. Well, as I was explained to by a banker. The bank has the right to hold on to my money, and unfortunately even though my account says I am in the green, it is my responsibility to keep accurate records of my transactions, and to not trust what it shows when checking my balance online ( the banker literally told me to not trust what their company shows me! ) They would n't take off any of the overdraft fees. So basically, they showed my deposits ( cash and a check ), as deposited/ cleared. Held on to them, so when I paid my bills and bought a soda at the store, they were taken as a negative plus a charge because they were holding my money. This resulted in me not only losing money that I had worked very very hard for, but also made me struggle to come up with extra money to pay off overdraft fees. After a month of pulling overtime, I paid the bank around {$400.00}. 8 days later when I had the remaining {$120.00}, I went to deposit the money and my card was n't working. I went into the bank and spoke with a banker. They had closed my account and sent it to collections. I had not received any notification, no email, phone call, or letter in the mail. How can they take {$400.00} of my hard earned money and close my account within days of showing good faith? The main issue was, they had already taken all of my money. I was losing money by paying them overdraft fees that should n't have been there in the first place. My bank should be trusted with my money and to not only hold on to my money, but to also be trusted to not cause their customers financial strains.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I submitted a lawful payment in good faith that was not applied to my account a week ago submitted by certified mail payment was received the following day and payment has not posted I submitted certified mail called to complain about the credits not posting to my acct they stated that the do not honor remittance coupon I was then transfered to a supervisor XXXX who stated that he would help I provided information to him as to what occured he stated that they don't honor remittance advised well submit my credit back if your not honoring advised I would make a complaint if my acct goes in default
Product: Student loan

XXXX XXXX will not properly give me credit for qualifying payments for PSLF. I have provided them with the proper documentation from my previous lender and they still haven't updated the records correctly. I had to submit the documentation 3 times, once by certified mail, once by fax, and once by document upload to even get them to acknowledge that they had received a communication from me. Then, they didn't calculate the correct number of qualifying payments made on the subsidized and the non-subsidized loans. I am a XXXX employee who has been making payments under one of the income driven repayment plans since XXXX of 2009. I should have an equal number of qualifying payments on the subsidized and the non-subsidized loans, just over 100 qualifying payments on each. I submitted documentation from my previous lender to show them the qualifying payments and authorized XXXX to pull records from my previous lender. They sent me a letter which only counted the payments made in the last year. XXXX seems determined to not acknowledge and give credit for the bulk of my qualifying paments made while being serviced by a different company ( XXXX ). I need help getting them to accurately document my qualifying payments.
Product: Debt collection

There was no choice for what is going on for me to choose- but they are calling me all day and evening. I switched from XXXX to XXXX. I had two XXXXs on the XXXX  account that I did not connect when I switched to XXXX. XXXX disconnects the XXXX account and hooks you to their them. When I started with XXXX in XX/XX/XXXX they let me think my XXXX account was closed because that's what happens when you change carriers. I got a bill from XXXX  a month or so later for service on the XXXX I told them that I believed XXXX had closed the account and they said for the phones but not the XXXX I had no idea, I explained that they can see the usage- we never used the XXXX after the date the phones changed over. And once you close the phone accounts, you can't even get into the XXXX  accounts online, so how would I know I still had an account open? Since I couldn't get into my XXXX account anymore, it seemed clear that it was closed. They didn't care, I wasn't paying {$460.00} for service on two XXXX we weren't using since XX/XX/XXXX, on principle since it was XXXX and XXXX who made this mistake. If I still really had an open account, I should've been able to get into it online and see it. They sent me to XXXXXXXX XXXX eventually which reported the debt as starting XX/XX/XXXX. That knocked my excellent credit down about XXXX pts. I did dispute it but it came back as still my debt. XXXX must have sold the debt again recently to Sources Receivables Management and now on my credit report it says it was opened XX/XX/XXXX. Now they're calling incessantly and I have not picked up the calls or spoken to them at all. But worse, it knocked my credit again because it's reported as new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, something changed on my credit report at Equifax. 
XX/XX/XXXX - I first learned of these error ( s ) while obtaining a mortgage.

I lost the house as no info. was reported due to the error ( s ) I immediately contacted all three credit reporting agencies and learned XXXX and XXXX had my information in good order but Equifax did not. Equifax refused to tell me anything about my credit as " I failed their verbal test '' to identify myself accurately. Of course, I furnished my accurate info. but something did not match their records. I asked how to fix the error ( s ) and was told the only way was for me to fax personal info. to them. They said they would accept no secure method or any through which I could prove delivery/ ( a lie ) After 27 hours of phone calls with Equifax , they confirmed my critical documents were lost. I sent them again to start over. Equifax 's info. and procedures seem inadequate, antiquated and ineffective. I have made no progress and have no credit or house. I am a non-person.
Product: Credit card

After complaining to cfpb then Bank of America finally begun a dispute, however it was short lived, they never followed thru. 

They credited temporarily and thereafter removed the temporary credited. Spoke few times with company and they have no records of anything. Bank of America assigned a fellow who called once and left a callback number, but never answered or returned calls. Their executives are failing as well. 

Bank of America schemes to defraud. It's has been several times that they fail to refund right away, and refuse to dispute charges with evidence presented. 

Not long ago a dispute was filed with evidence of the merchant 's refund but Bank of America took long time to acknowledge. 

Bank of America became a malignant lender who should be investigated and banned from the industry.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to initiate a Credit Freeze with Equifax. My efforts to do so online did not work and they asked me to call. As part of their " security '' questions the asked me for the monthly amount of my payment to my credit card. Since this is not a set amount and the minimum depends on factors like outstanding balance and whether or not I had recently made a payment, there is no rational answer to this. For me, it literally could be $ XXXX for my most recent statement or {$370.00} for the prior month. 

Because I was not able to answer to their " satisfaction '' they refused to initiate my freeze - despite the fact that I answered EVERY OTHER QUESTION correctly. If Equifax is going to use the vague item to identify individuals they need to be VERY clear as to which month they are referring and then permit individuals the time to find the statement and/or log into their account before berating the customer.
Product: Credit reporting or other personal consumer reports

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for senior, XXXX, Indigenous applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
https : XXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX Account # 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: Debt collection

This charge ( {$150.00} ) is related to a XXXX membership at XXXX XXXX in XXXX XXXXXXXX XXXX. I did not use their service but still they decide to charge my account & I called my credit card company to remove it as I cancelled my membership at the store. Still they decided to put this to collections. They are trying to just take other people money in any way they can. Dynamic fitness used ALDOUS AND ASSOCIATES to report this charge to credit agencies
Product: Credit card

I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. 
I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option.
Product: Bank account or service

On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit bureau report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit