23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Once again, the CFPB do not allow us to update the complaints that we file, so here adds another one for Bank of America.

Again, I've had 4 calls with different BOA reps since I filed the last complaint.

They are telling me that our claims of XX/XX/XXXX and XX/XX/XXXX are too old. I've attached a copy of a XXXX document that shows we started this nightmare in the month of XX/XX/XXXX. We demand every since XXXX  due to the fact that XXXX has completely blocked us for accessing material. 

I've also attached a document from XXXX XXXX XXXX. I've circled her most important statement. She said, " I can see that multiple charge-backs were initiated for several orders, each involving different sellers. Have in mond that as a result those funds are no longer with XXXX and are now managed by your payment provider. 

Now our payment provider is Bank of America. XXXX clearly stated, once we filed the complaint the funds are no longer with them but with BOA.

Now we have been at this issue since the beginning of the year and it has been going on for far too long. As I told a BOA rep, if XXXX was a XXXX, we would instruct our attorney to sue this company. They are not, thus we have to come back to our banking partner. The same partner that has a message into the the bank that they stand by their customers. 

In closing, again this started in XX/XX/XXXX and we are about to go into XXXX. That is SIX MONTHS! How much time do BOA need to investigate this issue?

And we demand all funds from XX/XX/XXXX to XX/XX/XXXX. 

And I was also told by a rep yesterday that BOA has collected around {$1100.00}. We want to know why are they holding it and not depositing it back into our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX XXXX for about XXXX years. Ive always known they were problematic with there methods. Theyve been sued countless times. My issue with them is the way I was treated throughout the loan. I changed the car with XXXX XXXX XXXX who I also submitted complaints about. XXXX XXXX was in charge of letting XXXX know of the change and pay off. I submitted a contract to Experian, XXXX, XXXX in order to prove such occurrence. I even uploaded it online to XXXX consumer and they were aware. Knowing all of this no one was willing to help me as a victim of fraudulent business. This occurrence was through no fault of my own or due to my inability to pay. I attempted to negotiate with them regarding the credit reporting aspect of it with Attorney XXXX XXXX. They were still unwilling to negotiate, I was forced to pay with out correcting or risk repossession. My credit got held hostage. About a year later the pandemic happened and I let them know I was undergoing financial distress. Again with no sort of assistance. I had to pay again with no correction or statements added to my credit reporting. The dates that must be changed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The account was paid in full and I was told by a representative that I may be able to change the report when I made the full payment. It has not happened and I called later in order get that matter looked at and still my issue was not resolved. My time with XXXX consumer has been about paying them and holding my report hostage just so they get there money.
Product: Money transfer, virtual currency, or money service

I initiated a same day transfer on XX/XX/23 at XXXX XXXX from an external bank account XXXX to my Wells Fargo account. As an experienced person in this matter I have completed many successful same day wires from my XXXX account with no issues into my other accounts. After getting the confirmation from Washington that the money was successfully sent and processed, I called Wells Fargo to ask where my funds were. No one could provide an answer, they also insisted there were no incoming wires. I called the XXXX on XX/XX/23 to initiate a trace on the funds. I was informed the money was in-fact received by Wells Fargo with no XXXXC hits or any issues. The XXXX even stated they called Wells Fargo to confirm receipt of the funds. I called Wells Fargo back immediately and informed them of the issue, I even provided a copy of the original trace report outlining all of the details and they now tell me the money is lost and they can not find anything under the federal reference number. 

This is an extremely urgent situation as the money transferred was for a closing cost and now I am left without a home thanks to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet reported multiple accounts ( 15 ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with XXXX. XXXX has not removed the delinquencies. I can forward the email and/or other documentation on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Experian that was furnished by XXXX, however, Experian canceled it and started charging me for the service, there explanation was I didn't need two accounts. They canceled the account that was free to me, and started charging me a monthly fee. However when I canceled the pay account they unlocked my credit and will not allow me to lock it again until I pay for a upgrade account No other credit reporting service does this. I feel this is a rip off. Should be able to lock and unlock your credit report as you want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was sent a warrant of debt on XX/XX/2024 with a date for me to appear in civil court on XX/XX/2024 which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial made an offer to it's customers to skip a payment in XX/XX/XXXX-XX/XX/XXXX. I know this is common, since my parents are often offered the same benefit through their credit union during this holiday period. My wife agreed to skip the payment, thinking it was a nice perk. Now we have discovered that Ally Financial has damaged our report, by reporting that the payment was simply never made! 
We have contacted them and they are unwilling to acknowledge that they made this offer. We are certain, the same thing is happening to others. We want this fixed immediately, along with any subsequent effect to our credit reports. Some years ago, I was very, very sick and I called Ally who assured me I could skip a payment, but then they penalized me, and our credit suffered. After a XXXX and the sale of our home, we have been working VERY, VERY hard to improve our credit score, and this is an assault to that effort. Please help! Many years ago with our first home which was financed by GMAC. They did the same thing and it hit our credit as if we had simply ignored a payment rather than just taking advantage of an offer. We now have learned that GMAC and ALLY are the same company. We also believe they are reporting the old issue past 7 years. This is not coincidental. It is a practice to trap people into paying more and it gravely hurts our credit. This company is the only reason that my credit is not perfect. I know they do not report accurately and it surely must be harming many, many people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The Volvo lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated inXX/XX/XXXX, paid in full, never late. Volvo company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated XX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. Volvo is acting abusively due to not purchasing vehicle at lease-end.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission.

Please remove the following inaccurate information : US Bankruptcy Court Account Number XXXX. 
US Bankruptcy Court account number XXXX. TransUnion states, that they verified this. How when the last time it was updated was XX/XX/XXXX? It's XXXX. Delete. 
US Bankruptcy account number XXXX. TransUnion states, that they verified this account. How when the last time it was updated was XX/XX/XXXX. Delete. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX & XXXX XXXXXXXX account number XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

Yes back in XX/XX/2018. They closed my account due too inactivity. I did nit know you had too use card right away. I'm hoping they can at least get it deleted from all 3credit bureaus. Or if not give me the credit back. I'm on XXXX going thru hardship due too corona viruses.
Product: Mortgage

Lost my job in late XXXX and I couldn't keep up with the current mortgage. Wells Fargo but me in the forbearance plan and when I found a new job in XX/XX/XXXX, Wells Fargo asked me to repay the entire late total in full. I requested a loan modification several times and Wells Fargo denied me. Wells Fargo is requesting I pay XXXX dollars are my home will be foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MINE FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Post office box XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family WRONG NAMES XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Deceptive promise, lie, false advertising : On XX/XX/2023 I responded to an invitation from US Bank to open a new credit card because it promised a " ZERO- interest balance transfer " feature. I applied for the card with a {$5000.00} balance transfer to be applied to my XXXX XXXX XXXX because it had a high balance ( due to replacing my sewer cleanout pipe to the street recently ) and the card was granted on XX/XX/XXXX, and the {$5000.00} balance transfer was sent over to XXXX XXXX However, a few of {$150.00} was charged to my US Bank card, by USBank. Even though they advertised it a " ZERO interest '', {$150.00} is exactly three percent interest on {$5000.00}. I called US Bank but they refused to reverse this fee, claiming i " should have known '' and " its there in the fine print. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days
Product: Credit reporting or other personal consumer reports

After reviewing my credit report Midland Credit Management is listed as debt buyer original creditor XXXX XXXX XXXX  account number XXXX open date XX/XX/XXXX, amount {$370.00}. This is not my account I have no knowledge of this account. I suspect fraud on this account or identity theft. 

I do not recognize this account listed as a collection from XXXX XXXX listed as a collection account number XXXX open date XX/XX/XXXX, amount {$630.00}. This is not my account, and I do not have any knowledge of this account. I suspect fraud or identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Attached is a copy of my identity theft report with all fraudulent accounts and inquiries listed. Below are all listed fraudulent accounts and inquiries that are being reported to my Transunion Credit Report Fraudulent Transunion Accounts XXXX XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX  XXXX Bank Account # : XXXX Balance : {$420.00} XXXX  XXXX XXXX  Account # : XXXX Balance : {$390.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Balance : {$680.00} Transunion Fraudulent Inquires XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following : XXXX Bank XX/XX/2023. Thank you. XXXX XXXX
Product: Credit card

Discover credit needs to be investigated for fraud, and bait and switch practices. There is no {$0.00} fee charged each year, despite the attached online statement made by their company. Fees ARE indeed charged each year by Discover, they are exorbitant, and they continue to lie about it. This is a discriminatory practice, and it is unlawful. Discover should not be allowed to make this statement, as it is a lie. Discover does indeed pull a bait and switch on the consumer as a result of this front page statement, and continues to advertise incorrect information to an unsuspecting public. 
This continues the complaint I made about Discover Credit on XXXX XXXX, 2016 ; to date have received no reply from Discover to my complaint, and in fact, continue to be ignored by Discover Corporation regarding my email dated XX/XX/2016.This is a bait and switch complaint. It will continue to be this way until I receive a correct settlement of account for my credit card balance for Discover credit minus the yearly fees that their company supposedly does not charge. I need the corrected balance minus the exorbitant fees that I was charged was all that I requested. This request as per XXXX/XXXX/2016 continues to go ignored. Why?! I do need an itemized statement sent by US Mail, so I can settle this account. Thank you for your assistance in this matter. 

Sincerely, XXXX
Product: Vehicle loan or lease

I voluntarily sent my car back ( voluntary repo ), I tried to speak with them to make smaller payments the company, however they weren't open for that. They then wrote off the vehicle and reported to the credit bureaus as charged off, but with a balance. I requested a 1099C form from the company ( Exeter Finance ), however they refused to give me the form. I would like this removed from my credit report as it has a 1099-C, so now it's on my personal credit report. Please have them remove it from my report
Product: Debt collection

Hello, The following complaint is directly related to complaint XXXX. My name is XXXX XXXX and I have been receiving phone calls from credit agencies regarding the servicing of another persons debt that I am not responsible for. I do not know the person with said debt ; I simply have the misfortune of changing phone numbers and now I received numerous debt servicing phone calls. I tried to ignore them as the last complaint I submitted did not stop other credit agencies from contacting me ; only the entity that I had filed a complaint for previously. Today, I am filing a complaint regarding the recent attempt to contact me for the debt of another person. The organization is XXXX XXXX XXXX. The representative was named " XXXX '' and he said that his organizations phone number is XXXX. He refused to provide a physical address for the organization, and referred me to his organizations website. To the best of my knowledge, I have no debt of any kind. The representative clearly stated that they were calling regarding the debt of a person named XXXX XXXX ( spelling could be incorrect ). The last complaint that I filed was in regards to debts owed by the same individual. As the debt was not mine, I could not see myself asking for the correct spelling of this persons name. This is only my second complaint regarding the phone calls that I keep receiving for this other persons debt, but there have been many others. As my last complaint did not stop the phone calls, I thought that I would simply have to wait until these organizations give up on this persons debt servicing ( via my phone number ), but they do not appear to be doing so. I humbly ask that you please look into this matter. 
*If at all possible, please inform me of any remedy that I can pursue that can end the bombardment of phone calls that I received ( from multiple organizations ) to service this " other '' persons debt ( s ). * Sincerely, XXXX XXXX. 
XXXX, AZ
Product: Money transfer, virtual currency, or money service

I am filling 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 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: Debt collection

I have never taken out a payday loan, nor co-signed one. I got a letter from XXXX, XXXX XXXX XXXX, about a supposed debt from CashNet, dated XX/XX/2023. It says my balance is {$2300.00}, but I can pay it off for {$580.00}. 

A simple XXXX search indicates this is a common scam.
Product: Checking or savings account

On XX/XX/year> I was sitting in my house watching television. Next thing I know my phone is being blown up by my credit karma spend account with purchases ( I have notifications set up to let me know when my card is used ). I notice there are numerous unauthorized transactions happening and I immediately log in and block my card. These individual ( s ) continued to try to make transactions but they were denied. I was able to stop XXXX transactions in their steps by canceling them but XXXX for XXXX in the amount of {$XXXX} was pending and I could not cancel it so I immediately called Credit Karma XXXX account XXXX then and there. I was told by the customer support agent that there was nothing they could do I needed to wait for the transaction to clear and then dispute it. I even questioned that there wasn't anything else and they assured me that was all they could do and everything would be fine. As soon as the transaction cleared I went on to dispute it. I went through the process and was provisionally given my {$XXXX} back. Part of this process included having to get a whole new card and keep a close eye on my account. Since I no longer felt I could trust credit karma I moved my money to my other bank account. Weeks later XXXX XXXX came back with the decision to not grant/approve my dispute and made my account negative in the amount of {$XXXX} because they took back the {$XXXX}. I have fought and fought them over this decision. I asked them to send me the proof that I authorized this transaction and all they could send me was an address and a last name that it went to all if which included the state of XXXX  when I do not even live near there and a last name that is not my own or anyone related to me. I told them my physical address, the state I reside, and my name. None of the information matched. I told them I took all the necessary steps to try to stop the transaction and what I was told by their agent. They even seen the proof where I stopped the other big purchases that were in XXXX XXXX, as well. Now every time I call them, they hang up on me. I do not feel this is my responsibility or fair to me. I have sent them emails regarding this matter, as well, and they seem not to care. I'm to the point that I'm ready to take legal action for the stress this is causing me and the potential it has to mess up my credit. I must note, as well, that I tried disputing this from XXXX, too, but they can not without credit karma admitting this was a fraudulent purchase.
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. 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

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

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police report.