23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing about my Bank of America Credit Card. I have enrolled in AutoPay more than once, and the payments fail to be automatically applied as the service promises.

The bank account I wished to be used for autopay appears in my account profile on the mobile app, but representatives could not explain why autopay failed to occur.

Calls to the company have demonstrated the company 's inability to service the account, application, or services. 

The last call was placed on XX/XX/2022, when I spoke with XXXX, who was unable to service the account. I asked XXXX to be transferred to his supervisor. 

XXXX was told esplicitly that my husband was granted full permission to diuscuss this account while I showered. However, when XXXX XXXX, supervisor XXXX came on the line, he refused to service the account without speaking to me again, despite explicit instructions given to XXXX during this recorded call. When XXXX XXXX refused to discuss the account despite this express permission, my husband excercised his legal right to request that the call be reviewed to verify this iformation on the recording, XXXX XXXX refused. 

My husband requested to be transferred to XXXX XXXX 's supervisor, in light of XXXX XXXX 's refusal provide assistance. After quite some time on hold, My husband was transferred to XXXX ( ID # XXXX ), who declined to provide a last name or initial. XXXX patently explained that no one would be able to help us with auto pay over the phone, and refused to provide further assistance in that effort. 

At this point, I placed a three-way call with another company to initiate a balance transfer to close the account permanently, but the call on-the-line with Bank of America was terminated, and no follow up call was received. At this point, I was bound by a prior comittment and was unable to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 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 XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I have not received any information about my credit history. I have called several times and can't reach a person about the issue I'm having with Experian. When I log on to the website the following messages is what is displayed : Sorry, we can't show you today 's 3-bureau report.

This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

How can an issue be resolved if I don't even know what the problem is or if I can't even reach an actual person to resolve it. My number is flagged and I get sent to a voice message once I put my social security number in. This is a very disturbing and disrespectful way to treat a 20 year military veteran.
Product: Debt collection

Iam a victim of identity theft. A collection company named Credit Systems INTL Inc, has reported to XXXX and XXXX a Utility bill that I do not owe. The amount in collections is {$870.00} Fraudulent person used this address : XXXX XXXX XXXX XXXX, Texas XXXX Date opened account XX/XX/XXXX Collection Agency : XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Account # XXXX Date sent in collections XX/XX/XXXX XXXX reporting agency also reporting it on XXXX : Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX Phone Number ( XXXX ) XXXX Original Creditor is XXXX XXXX XXXX Ph # XXXX XXXX XXXX used this account # XXXX Shut Off service on XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022, I issued check # XXXX in the amount of {$1100.00} to XXXX XXXX, a painting XXXX, for a home painting project. On the same day, the XXXX tried to cash the check at the local Wells Fargo bank at XXXX. However, due to the handwritten amount on the check being for XXXX XXXX XXXX XXXX, ( which should have been XXXX XXXX XXXX XXXX ) the bank teller caught the discrepancy and would not cash the check. 

I was contacted the same day by the XXXX concerning the check and I agreed to write a new check. I issued a new check ( # XXXX ) with the correct amount which the contract took back to the bank and the check was cashed. 

Subsequently, The XXXX proceeded to also alter the original check and deposited it. We immediately alerted Wells Fargo prior to the funds being distributed, but the money was transferred regardless. 

I attempted to get the money back from the XXXX, but was not able to get any money returned or any work done. As such, the police were contacted, a warrant ultimately issued for his arrest and we are awaiting resolution. 

But for Wells Fargo transferring the money for check # XXXX over my objection and cashing a check that was obviously defective, I would not be out of the money.
Product: Student loan

I was a student at XXXX XXXX from XXXX - XXXX, while applying for financial aid the financial advisor at this campus never went over interest rates, early payment options or any financial statements other than approval for the loan or not. 90 % of my loans were not applied to federal aid, forcing them to privet companies, Sallie Mae in this instance. Being a financial advisor at a for profit school and having young people not knowing any better couldn't have been easier. I have been trying to work with now Navient ( was Sallie Mae ) on getting this loan refinance or discharged for at least 10 years now. I've been outright told at least a dozen times that I do not qualify for a lower interest rate or refinance option because I make my payments on time. Navient has declined my attempts to refinance these loans. I asked how much I have paid towards the principle and was told around {$12000.00} over the past 14 YEARS. When I asked how much I've paid in interest they hit me with {$70000.00}. The original loan amount was around {$48000.00}. 

Today, there isn't a student loan refi company that will entertain my loans being refinanced for a lower rate because I attended XXXX XXXX from XXXX. Navient continues to refuse refinancing my loan and refuses to lower my interest rate so that I can pay them off. 

Fortunately, I have been been able to may my payments on time, but at what cost? 
I have been unable to purchase a house, car, certain jobs or get other loads due to the burden of these loans. They have taken their toll on me mentally and financially.
Product: Money transfer, virtual currency, or money service

I was told that my square account transactions would be suspended if I didn't look in my dashboard on squareup.com to resolve a letter. I answered the questions in the letter Monday XX/XX/22 about the CBD or cannabidoil products I use by opting out of the CBD market and taking the listed CBD balm off my items list that is used in XXXX XXXX as an add-on. The reply automated said that my cooperation more or less was fulfilled and I should be able to use the Square services for credit card transactions in time for my appointments that were Wednesday XX/XX/22 same week. I accepted the credit card that day and the next day when I was expecting to use the funds transferred to my checking account I was told the funds were suspended and that I should contact Square in some community center to find out why. I found the phone number and called it XXXX and spoke with a few customer service reps, the first one didn't connect me and the 2nd one made me feel she handled it and gave me copies of the reasons why account suspended for CBD. I told her I already complied and she told me the department handling my account was reviewing it and I would expect to be able to access the funds by the end of the day. Rent was due and I was assessed a {$50.00} late fee and the XXXX XXXX holiday on the weekend didn't make me think I would be able to have my account reviewed. I closed my account that Monday XX/XX/22. I called back today on Tuesday XX/XX/22 and spoke with a representative who told me the other person didn't email me back like she was supposed to that some other item was on my account with CBD from a massage oil product, when asked why I wasn't told about that item. I had already closed my account and he confirmed I had {$240.00} after fees in my Square account that would be released as I wasn't in the CBD market or also don't use their services. But he said he would have to hear from that department then email me. It is the end of the day and I still haven't heard anything. I don't think it is fair for them to take my funds over CBD that is legal to use in services and bought at XXXX and XXXX and XXXX from a client 's account. I don't sell it, and Square intentionally hurt my small means of income that impacted me with more fees to pay for late rent. The costs of fuel and less tips at my employee job and time off the previous two weeks to study and pass finals in XXXX XXXX hurt me already and I relied on that money to pay my rent. They are robbing small businesses and financially abusing them for a CBD compliance issue that shouldn't be any of their business. I already have really XXXX XXXX XXXX to people and drive to their homes for them.
Product: Student loan

I dont understand why my loan went from {$5000.00} to {$7000.00}???????? That is unbelievale I can not afford to pay that off, I am currently not enrolled in school and currently not working, I dont know where to get that kind of money?????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open date : XX/XX/XXXX STATE OF MI OFFICE CHI XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card or prepaid card

Bank of America closed two Credit cards that I had with them and despite the mistake, they made they are not willing to reopen the account. 

Bank of America asked for my residency documents. I called BOA first to make sure what is the best way to provide the document I've been advised by the associate to go to a local branch. I went to XXXX XXXX, XXXX, MA branch of Bank of America and Provided my green card as well as driving license ID ( XX/XX/2020 ). The associate copied the documents and typed in the information in their system and said I am all set. 

Later on, when I logged into my online account I got a pop-up message that I need to upload the documents. I called BOA again to figure out what is happening. I've been told that the information regarding my residency documents is in their system and I am all set and I should ignore the pop-up message. 

On XX/XX/XXXX I realized that my checking accounts are frozen and credit cards are both closed. I went to the XXXX, MA branch of BOA and they said because it's the bank associate 's mistake they would file a complaint and will escalate this and will solve it. 

They gave ma a Case number XXXX. I went there back on XX/XX/XXXX and they said they are not able to reopen the account for the mistake that they did. 

This is going to negatively affect my credit score and wasted my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} XXXX contacted this company no resolution made. On XXXX XXXX XXXX XXXX stated I had an balance from a car I never purchased in the amount of {$47000.00} I contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX  stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXX  stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX NCB which is affiliated with XXXX XXXX also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit federal TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my consumer report that have been cancelled and XXXX. According to the IRS, these accounts are now considered income. Income is not to be reported on the consumer report. Please remove immediately. 
The copy b 's of the 1099-C are attached. 

The accounts are : XXXX ( XXXX ) and XXXX ( XXXX ) Again please remove immediately!
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX C/o Resurgent Capital XXXX XXXX XXXX XXXX, XXXX, SC XXXX for reporting items to my credit report despite not being licensed to collect debts in the state of Ohio. As per the Ohio Revised Code, Section XXXX, it is mandatory for any collection agency to be licensed to conduct collection activities within the state. After a thorough investigation, I have confirmed that XXXX XXXX XXXX does not hold a valid license in Ohio. 

This unlicensed collection activity and subsequent reporting to credit bureaus are illegal and violate both federal and state laws. Specifically, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair practices in debt collection, and the Fair Credit Reporting Act ( FCRA ) requires that information reported to credit bureaus be accurate and verifiable. By reporting these items to my credit report, XXXX XXXX XXXX has breached these regulations, negatively affecting my creditworthiness. 

I have previously disputed this matter directly with the credit bureaus and XXXX XXXX XXXX, but the issue remains unresolved. Therefore, I am seeking the CFPB 's intervention to address this violation. 

Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlicensed debt collection activities in Ohio. Additionally, I request the removal of all related items reported by XXXX XXXX XXXX from my credit report to rectify the damage caused by their illegal actions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request to remove unauthorized inquiry has been sent multiple times and Equifax validated the inquiry was a factual inquiry even after I requested for evidence of data was coming from the consumer which Equifax continuously ignore and seize to honor my dispute. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

PROFESSIONAL FINANCE is reporting an account on my credit so I sent them a validation request in XXXX XXXX they responded in XXXX with a simple statement and a refusal to verify any other request items. They did not send an original invoice, they did not send me a medical release waiver form signed by me, the amounts are different from what the statement reflects without sending me an authorization to collect any added interest or fees. 
I then send them a follow-up stating they failed to validate and to remove this ad they still have not removed it. 

Ive included all correspondence as well as copy of credit report.