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

I have had a bank account with Bank of America and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Bank of America account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Bank of America ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Bank of America last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Bank of America. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Bank of America 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Bank of America 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Bank of America unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.
Product: Credit reporting or other personal consumer reports

Upon checking, my TransUnion credit report showed up inquiries i never authorized. It seems to be fraudulent 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX/2023
Product: Debt collection

The company involved is : Focus Financial Services. This involves a debt from XXXX XXXX, and XXXX XXXX. I previously filed a complaint with your organization about it ... ... ... ... ... ... ... ... .... Ref ID : XXXX The other company was called XXXX XXXX, and you contacted them regarding my complaint. Yesterday I got a letter from Focus Financial about the debt. It seems the Hospital just forwarded this debt to Focus Financial. I called them this morning and the person I spoke to, XXXX, was very combative in her response to my summary of what happened. She just said I have to get a statement from the credit card company to show I paid the bill. I said that this occurred a year and a half ago and my accounts were hacked, so I don't even know which credit card I used, as I subsequently had to close many accounts and destroyed the cards. I said, why did the Hospital wait for almost a year to contact me, and she said " it doesn't matter ''.. Please read the aforementioned Ref.ID number so you get a better perspective on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX XXXX my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count XXXX, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my report.
Product: Debt collection

SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has major issues when it comes to having wrong information on there reports. I have had for the past 4 months with Transunion information that was on my report as XXXX XXXX- XXXX XXXX or XXXX by XXXX letter that has nothing to do with them but at the same time Transunion has no right to keep putting and then deleting information that does not belong to XXXX nor assign by the creditor. My score seems like a roller coaster with XXXX  and its never adjusted. If a creditor makes a mistake they should be held liable not by no sorry letter and XXXX  is liable for the issues considering they do not correct there credit scores. Letter assign with complaint.
Product: Mortgage

On XX/XX/2016 I paid a mortgage in full that was serviced by DiTech Financial LLC. I subsequently received a letter from them acknowledging the payoff and advising me that Georgia statute 44-14-3 requires a lender to file a satisfaction of debt document with the county in which the mortgage was recorded within 60 days of payment. Violation of this statute gives the borrower the right to demand payment of {$500.00} in writing from the lender. 
On XX/XX/2016, I received a satisfaction of debt document that was recorded in the WRONG county, thus the property records of the county where the property is located and the original mortgage instrument was filed was not completed as required by Georgia statutes within the 60 day period. By Georgia statute, the debt was still showing as being outstanding more than 60 days from date of payoff. 
I wrote the demand for payment letter as required by Georgia statutes on XX/XX/2016 and explained the error made by DiTech to them with the response that they believe they have complied with the law when they clearly have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is 1 inquiry i did not authorized. FTC has been attached to this complaint
Product: Debt collection

This account was filed to my insurance untimely. They have yet to show proof that the date of service in question has been billed properly. Insurance information was given to the provider at the date of service.
Product: Debt collection

A collection agency called and STATED that he was from XXXX XXXX then STATED that we owed {$840.00}. We were confused because we remembered paying it. My husband paid it and we then discovered from the insurance company, XXXX XXXX XXXX XXXX XXXX, that the debt is not owed. The name of the collector is XXXX XXXX XXXX. My official insurance company 's name is XXXX XXXX at XXXX XXXX. My insurance is paid up until 2021. Here is what he sent me afterwards.
Product: Student loan

Navient continues to send me correspondence stating that I owe an amount that I can not pay per month. I was paying the required minimum amount. I spoke with a a customer service rep for Navient and continue to get bothersome calls from them. The rep and myself never came to an agreement for repayment then I received bills that took my payment from {$5.00} per month to {$310.00} per month. I can not afford this monthly payment amount and I fear this will go back on my credit. I have worked hard to make the monthly payments I could afford to get this off of my credit. 

When I call regarding this I am told that it is income based and This is the amount I should be able to afford based on my gross income. I am currently attending college and paying my tuition out of pocket and have a child in college and can not afford this payment.
Product: Credit reporting or other personal consumer reports

I reviewed my Credit report and noticed that Comenitycapital/Ultamc account number XXXX reported to XXXX on numerous occasions as will show in the document below named " Revolving Accounts '' when they knowingly reported false data to XXXX and XXXX! This person violated FCRA deliberately and knowingly! ( see Revolving Accounts ) namely the months of 2023 Actual Payments vs XXXX months of 2023 Payments! Law has been well established in regards to this issue. Furthermore Comenitycapital/Ulta has Conspired with XXXX and XXXX to deprive me of my rights in regards to 15 U.S. Code Sec. 1681 ( d ) ( 1 ) In General Consumer Report also under 15 U.S. Code Sec. 1681 ( 2 ) Exclusions : Consumer Report shall not Include the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is in Clear violation of my Right to a Fair Credit Report. Congress has held that it is a GRAVE responsibility to report accurate information which has not been done here.

I WAS NOT AFFORDED THE OPPORTUNITY TO OPT OUT OF THE SHARING OF MY INFORMATION TO ANY THIRD PARTIES NOR WAS I NOTIFIED OF THIS RIGHT PRIOR TO THE SHARING OF MY PERSONAL INFORMATION BY ANY PERSON IN REGARDS TO THIS MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

A new account was added to my credit report with Equifax XX/XX/XXXX listed as XXXX {$5500.00}, however it shows no 'open date '. I disputed this with Equifax on XX/XX/XXXX via a letter as this is an old account ( over 7 years ) originally with XXXX which was already deleted from my report for being aged ( see photo ). It was the resold to a collection agency called XXXX XXXX ( this account was ALSO deleted for being aged at 7 years at the same time as XXXX being deleted. However, it was added to my report via XXXX  XX/XX/XXXX. Equifax opened an investigation re : XXXX between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX Equifax closed the investigation and left the account on my report. However what they ALSO did at this time during the re-investigation is delete the part on XXXX XXXX in the ( things that have changed on your report ) section where it shows the date they added XXXX to my report. It USED to say it was added XX/XX/XXXX in the " things that have changed section '', but they deleted that all together when i filed a dispute. If this is legit then that shouldn't have been deleted as it is a part of the account history. They added XXXX to my report on XX/XX/XXXX, why are they hiding that fact that used to show? Fortunately, l have a copy of the email XXXX XXXX sent me when XXXX was added to my report with Equifax on XX/XX/XXXX ( took a photo of this email as proof ). 

This account was originally from XXXX. XXXX was deleted from my credit report between XX/XX/XXXX - XX/XX/XXXX for being aged at 7 years ( photo included ) .This account was then sold to XXXX XXXX where it was ALSO deleted at the same time as XXXX for being aged at 7 years ( between XX/XX/XXXX - XXXX XXXX, XXXX. It was then sold again to XXXX who added it to my report where it sits today, but since it is aged at 7 years, it shouldn't be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.
Product: Credit card

I had XXXX ( XXXX ) credit cards with TJ Max, XXXX was already closed in XXXX, and the XXXX card I opened in XXXX. I made regular online payments since it was originally opened it. However, when I called in XXXX of XXXX to get balance and payoff information on my current account XXXX, the representative from TJ Max gave me the wrong account information and stated that my balance was XXXX and that my account was closed. Since TJ Max confirmed I had a XXXX balance, I stopped making payments as of XXXX. However, I actually had {$35.00}. Recently, I received a credit card statement for XXXX and there was a balance of {$130.00} on it. I was very confused and concerned. So I immediately called them and paid it off. In addition, I asked what this was and was told these are late fees. I stated that I called in months back and that the TJ Max representative told me that my account had a XXXX balance. Right after I requested to speak to the manager. She gave me the run around and neglected to understand my situation and denied that it was a result of TJ Max 's representative. I repeatedly explained that this situation occurred because a past TJ Max 's rep did not provide me accurate account information of my account in XXXX. And to realize now, that my account actually only had a balance of {$35.00}, I am very upset that TJ Max has caused this matter. If I was provided with the correct information, I definitely would have paid it off immediately and would not allow the late fees to triple to a balance of {$130.00}. She was not listening nor empathetic and claimed that this happens all the time with other consumers. In other hand, she does n't believe nor wants to help me in any way. She also stated that this happens all the time, and that people do n't want to pay their account. From this reaction, I take it that she is categorizing me without knowing who I really am and does not care nor want to help with this matter. This was truly disappointing and frustrating since the negligence is because of TJ Max 's representative, and not myself. I truly believe that TJ Max 's is at fault since they provided me with the wrong information and lead me to believe my account balance was at XXXX. Also, TJ Max has penalized me with 3 months of late charges, and is trying to damage my credit. I am certain they are reporting to the credit bureau about this late payments situation. Overall, I truly believe this is very unfair and unjust business practice of TJ Max. TJ Max is very greedy, since they made {$100.00} off of late fees from me. Please assist and let me know what my options are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new car lease. My credit was checked with XXXX  and I had an XXXX credit score. Then, my credit was check with an unknown company called XXXX , XXXX and my score was a XXXX. I was denied the lease because of this. I never heard of theses people and you don't have to be XXXX to figure out that there is a problem. I contacted the phone number provided on the denial letter for XXXX, had to leave a message and no return call yet. These people should not be allowed to check one 's credit-obviously they are incompetent. Can they be barred from doing so? All my credit scores are well over 800.
Product: Debt collection

ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for " {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 ), they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge, I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}, which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore, my understanding of XXXX law is that even in cases of an agreement made " in bad faith, '' the maximum amount that can be sued for in civil court is " treble damages '', which would clearly be substantially less than the " {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so, I have received concerned phone calls from my mother in XXXX, My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a " docket number '', and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A " docket number '' and " case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer " to make sure they take swift actions '' against me and threatening that " your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me, members of my family, or even my employer, but it is the most recent.
Product: Money transfer, virtual currency, or money service

Block inc doing business as cash app Allowed a person to unlink biometrics, remove password cash out all my money then did the loan feature and withdrew a loan. I reported do not allow when the alert came thought and they still allowed the fraudulent transaction I reported to the police and they still had the nerve to say it was me.. it went to a XXXX XXXX in which I have never had never used. I have them detectives information and they still allowed the fraudulent withdrawal XXXXXXXX XXXX XXXX XXXX XXXX XXXX cash out XXXXXXXX XXXX loan XXXXXXXX XXXX  Then they locked card And NEVER returned my stolen money!!!!