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

This complaint is about maintenance fee being charged on checking account by Bank of America. Recently, since last 2 months or so, BOA changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, BOA has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, I called in to close my XXXX XXXX XXXX XXXX card as the annual fee had come due and I was not interested in keeping the card open for another year. The account was closed with no problem. I received an e-mail on XX/XX/2018 stating that not only did I have a past due balance but that I had been charged interested on the annual fee. I called on XX/XX/2018 to resolve the issue and was told that even though I closed the account they were still going to charge the annual fee and were still expecting me to pay this. This makes no sense to me as I shouldn't have to pay a fee for an account that I no longer have open. Additionally, Synchrony is no longer running the XXXX XXXX XXXX XXXX card program AT ALL after XX/XX/2018 anyway so there wouldn't even be a full year to use the card.
Product: Credit card or prepaid card

I entered my Payment for 2 cards. Indgo and Desteny. Both are with the same Company and neither of the 2 went through. Both sites freeze when I attempt to make a payment. I am still within 30 days. I feel they are trying to NOT let me make a payment. 

This feels like an unfair practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024, XX/XX/2024 XXXX
Product: Checking or savings account

I ask the Penn Fed to add and externo account for deposit and withdraw. thay needed to deposit Micro deposit to reconize the account. At whitch time they did. they deposit XXXX cents and XXXX cents and one withdraw of XXXX cents on XXXX. I confirm what I received and the account was open ok. But on XXXXthe withdraw XXXX I told them that they have withdrawen XXXX over and the sede It would be return. til today XXXX the over withdraw amount has not been return to my outside account. My outside account las XXXX diget XXXX XXXXXXXX XXXX XXXX XXXX account XXXX diget XXXX with Peen Fed
Product: Credit reporting or other personal consumer reports

I have sent payment and satisfied the debt with Capital One on XX/XX/2023 in the amount of {$530.00} ( see attached photos ) as you will see in photo screen shot I have taken from my application. Soon thereafter I received a docusign email on XX/XX/2023 From XXXX XXXX with the proof of my account paid in full. 

I received a notification from credit monitoring service that this account has reported past due and the balance is still showing. 

I am filing this complaint with proof of debt satisfied and want them to stop reporting in error in violation of my consumer law Rights. My intention is to sue if this is not resolved immediately.
Product: Checking or savings account

MONEYLION PROTECTS HACKERS WHO STEAL YOUR DATA AND PROMOTES FRAUD WITH THEIR PLATFORM I found that MoneyLion had opened a bank account without my permission and the only way I was notified was with the envelope that contained the debit card with the account number in it. I clearly did not ask for this and I do not want my credit to be ruined as a result. This was documented in two previous complaints, and they claim that they " helped '' by suggesting I submit to a credit freeze, even though their fraud detection failed and NO OTHER COMPANY HAS HAD THIS ISSUE. When I contacted the company to resolve this issue and figure out who had hacked my account, after admitting it was fraudulent, they refused to help me and instead sent me to FAQs about credit freezes, hiding behind their own privacy policies to protect the perpetrator who hacked me, claiming I have to file a police report to get this information. Why am I having to do this work to file out a report when their system was the one that failed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an inquiry on my credit reports that are fraudulent. It is for XXXX / XXXX in XX/XX/2021. I never authorized this and requested the Experian, XXXX, and XXXX to investigate this and have it removed.
Product: Payday loan, title loan, or personal loan

The company did a skip trace without needing it and called my ex husband, whom I have an injunction against. This company claims to not have a valid phone number for me. I have had the same cell phone number since XXXX and the same work number since XXXX. I told them that they might of dialed a wrong number by accident and they refused to take accountability. My cell phone hasnt been disconnected and no one uses it but me. Also they never attempted to contact me by mail. Doing a skip trace for an account that wasnt even 30 days past due is going to far. Also contacting someone I have XXXX  in XXXX makes no sense to me. This violates my privacy, they told him I was late with my payment. What makes me more upset is that they are blaming me when Ive done nothing wrong. I do not want them to ever call that man again. And before skip tracing me, they should at least contact me by mail. Dont you think?
Product: Vehicle loan or lease

I recently got a disturbing email from FIFTH THIRD BANK as it relates to a now closed auto account. The email stated that i changed my mailing address which is false, i didnt change anything at all, been only waiting for title. It seemed as though someone on their staff inputted a previous address from well over a year ago. For what? To ensure i dont get my car title? This is absurd. I paid off my car completely, sent the payout wired funds on XX/XX/XXXX, i was told i'd be mailed my title ( pink slip ) soon thereafter ( 10days after ) It is now XX/XX/XXXX, i just got off the phone with a FIFTH THIRD BANK customer service rep who said she just removed the old address and Reupdated the mailing address to my current which in my online portal was already showing this whole time ... 
I am filing this complaint under CFPB so that i can feel secure that i'll receive my title TO MY CURRENT AND ACTUAL ADDRESS, and in a timely manner.
Product: Money transfer, virtual currency, or money service

I was logging into my paypal account whenever I noticed some strange transaction that was made to someone and I already file a dispute for paypal I was just hoping that you guys could help
Product: Checking or savings account

Dear CFPB XXXX, I would like to file a new complaint ( previous was XXXX - CFPB - XXXX ) regarding suspicious business practices I encountered regarding TD Bank about a year ago when an unauthorized account was fraudulently created under my name ( and SSN ) online. While my bank account has since been closed, there is clearly suspicious activity and identify theft happening, and it concerns me that TD Bank has simply closed my account without any further investigation. 
Here is a brief outline of events : XX/XX/XXXX I learned an account with TD Bank was opened online in my name/SSN using benefits paid out by the State of Arizona XX/XX/XXXX I was informed that my unauthorized account was closed and to contact the Corporate XXXX if I had further concerns ( XXXX - CFPB - XXXX ) XX/XX/XXXX I communicated with the Corporate XXXX and learned that the account was opened using XXXX transfers in a name that was NOT even mine The most concerning part is that an account was created under my SSN using XXXX transactions that were not in my name. At this point, Im also suspicious as to whether the AZ XXXX benefits are somehow tied to my name and wonder if there is potential for deeper fraud than what TD Bank is stating. 

I can provide the correspondence ( emails ) with TD Bank the way was handled from allowing the account to be created in the first place to simply closing the account when there is clearly identify theft seems very negligent on TD Banks part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I reported to XXXX XXXX, and Transunion, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a XXXX year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Product: Mortgage

Village Capital is giving me the run around about my escrow refund check. Pay in full date was XXXX and its passed the 20 day mandatory day to have escrow refund balance delivered. 

Im getting lied to be reps or giving misinformation. 1 is telling me the check was sent XX/XX/16, the other is telling me it was removed from my escrow on XX/XX/16 only and a check wasnt sent yet. 

I keep trying to get a supervisor or someone else to speak to but every time I call for help I get the same person ( XXXX ) who is rude and does not help me at all to even attempt to track down the XXXX they owe me.
Product: Debt collection

PCR wh a private company collection agency. I owed some back taxes to NJ. I got a notice from the State. I paid it! 
Then PCR said I also owed a penalty to the State BUT they also added on {$3000.00} for collection to them, PCR. 
I feel this amount is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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 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: Money transfer, virtual currency, or money service

Ive been a user of cashapp since XXXX  and have filed numerous complaints with little to no action or help. From scamming business, disputes not being processed and to my information being given out to this companys fake number. I want compensation for this! 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 take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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: Consumer Loan

They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. 

Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. 

I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). 

I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Data breach XXXX compensation per violation immediate payment check sent to XXXX XXXX XXXX san franciaco.I recieved an email confirmation that my information was compromised in the data leak. I have never gave permission or consent to any agency to report on my behalf. Immediately remove all negative items! have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major XXXX XXXX XXXX, and others I have submitted metro 2 letters of challenge and compliance with no response for months now. I just sent out last week round 3 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting

My credit report has erroneous information about a civil judgment from the XXXX XXXX Court small claims court. The apartment complex where my son previously lived sued him for {$1600.00} and were awarded the judgment. My son and I have both the same first name, but different middle initials. I have lived at my private home address for almost XXXX years and have never co-signed for any of his credit. I believe this information was placed on my report in an effort for me to pay for his debts. The credit reporting agency has not investigated this issue thoroughly even though I have filed XXXX disputes. Each time they replied within XXXX days to reaffirm that the report remains uncorrected. A cursory investigation would easily reveal that all the personal information on file at the court and the apartment complex differs from mine.
Product: Mortgage

Unfair Mortgage ( and Checking ) Payment Practices by Bank of America Account Information : Mortgage with Bank of America : Approx. {$4000.00} Payment Method : Auto pay / debit on the 1st of each month Transfer Funds : From another savings account Payment History : Never been late Incident Description : Payment Not Debited : On XXXX XXXX XXXX, I noticed my XXXX XXXX  mortgage payment, set up for automatic debit on the first of every month, was not processed. A late fee of {$200.00} was imposed.

Auto Deposit Issue : I had set up an automatic deposit for the mortgage amount on XXXX XXXX XXXX ( which was a Saturday ). However, the checking account credited the deposit on

XXXX XXXX XXXX, the next business day. My balance on XXXX XXXX  was {$16000.00}.
Customer Service Call : I noticed the issue on

XXXX XXXX XXXX, and immediately called BofA. I was on hold and on the phone for over an hour, speaking with three different customer service representatives. BofA informed me that since XXXX XXXX  was a weekend, the deposit was credited on XXXX XXXX  ( the next business day ). Despite having sufficient funds on XXXX XXXX BofA mortgage did not process the payment, making it feel as though they were waiting for me to default. Lack of Notification : BofA did not notify me of the payment issue. I only discovered it by checking my online mortgage statement on XXXX XXXX. Resolution : BofA did not offer to refund the penalty or provide an apology during the call. It was only after being on hold for over an hour and threatening legal action that BofA finally agreed to refund the {$200.00} late fee. This does not address the underlying issue. Weekend Processing Discrepancy : BofAs checking accounts apparently do not process deposits on weekends, while mortgage payments are apparently collected even on weekends. This inconsistency caused the problem. Potential Credit Impact : If I had not caught this error within 30 days, it could have been reported to credit bureaus, damaging my credit score. Unfair Practice : BofAs failure to process the payment despite sufficient funds on XXXX XXXX  and lack of notification is unfair and could have led to severe credit consequences.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates , LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. It is in my belief that Portfolio Recovery Associates , LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.