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

Bank Of America Bank of America Platinum credit card tied to my bank account on Smart Phone.     I pay my payment every month,  XXXX  month in advance, always paid on the  XXXX  of the month. But every month I was apparently receiving a late fee that was not listed on my online ( phone  )  bank statement not on the year end summary of the account.     the bank is saying the payment was due by the  XXXX  of the month, and even though I paid every month a month in advance on the  XXXX  of the month it was considered late. Only months that I made additional payments did I not receive a late fee. No where online or in statements does the account indicate that there is a windows each month that you can not make payments,  XXXX  to the  XXXX  of the month, the most frequent time people make monthly payments.     In addition the online account never shows the fee being charged for account. The fee apparently is posted on the last day of the account statement, and is not visible any other time. The online as the statement only shows the current statement period and after the next day the fee is no longer visible. The link to previous statements is deliberately hidden.  The Highlight and Underline on the text for statements has been removed so there is not way t t ell that is a link to previous statements.     Even the Year end statement deliberately does not include fees charged on the account. If you are a modern person, especially a Millennials, who maintains tracking accounts on your smart phone and use the account to ensure you pay monthly you will never know you are being charged late fees for the card. Only way you can tell what fees you are being charged is to download the monthly statement which is only way to access statements when using paperless option.     It 's was gong on for over a year., I have unknowingly paid over {$250.00} dollars in late fees. In addition and the fees change from  XXXX  dollars to  XXXX  dollars randomly.     This is truly engineered predatory banking for online paperless banking.
Product: Credit card

On XX/XX/2024, I noticed suspicious activities on my credit card account. I immediately reported the issue to my credit card issuer - Bank of America. 
In XX/XX/2024, Bank of America refunded a total of {$1300.00} to my account. However, on XX/XX/2024, I received a letter stating that, after their investigation, they determined the charges were made by me and reversed most of the refund. I suspected they did not take the investigation seriously because they made a false statement. They only credited me {$130.00}, leaving {$1200.00} as a balance they claimed was valid. 
I have repeatedly contacted the company to explain that these transactions were not made by me and that the charges were fraudulent. I also asked for evidence supporting their conclusion, but they said they had no proof in their system and insisted the charges were valid. 
Despite multiple calls and attempts to resolve this issue, the company was vague about how they would investigate the case, and every time we called, they said the case would take around 3 months to get a response, which is taking too long. They provided no case updates. They continue to assert that the {$1200.00} is my responsibility, even though I have never made these transactions. 
My credit score has been dropping significantly as well ( from XXXX down to XXXX ), which is most likely caused by the mishandling of this situation by Bank of America as described above. 
This ongoing situation has caused significant frustration and financial stress. I am seeking a resolution to this dispute, including the refund of the {$1200.00} and recovering my credit score back to XXXX and above. The company can reference claim number ( XXXX ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I began the background screening process with HireRight, a company contracted by my soon-to-be employer. HireRight attempted to pull my credit information from XXXX, but HireRight was unable to verify my information because " the information provided by XXXX was incorrect '' ( as stated by a representative from HireRight ). On XX/XX/XXXX HireRight again contacted XXXX to verify my credit information, and was again " given the same incorrect information ''. When I attempted to call HireRight personally, they were unable to provide any information they had received from XXXX directly to me, and I was told to contact my future employer for that information. I contacted XXXX on XX/XX/XXXX and informed them of the issues I had with HireRight, and after investigating, the XXXX representative on the phone confirmed he had seen an internal error. I was told the error would be fixed in 3 - 5 business days, and I could have HireRight proceed with the background check. As of XX/XX/XXXX, XXXX informed me the issue had been resolved, and on XX/XX/XXXX my soon-to-be employer restarted the SSN Trace through HireRight. HireRight once again provided the same incorrect information to my soon-to-be employer, despite the issue being " fixed '' on XXXX 's end. After disputing this information directly with HireRight ( XX/XX/XXXX ), I was told that the information received was correct, and I would need to contact XXXX to fix this issue. After requesting details surrounding the dispute process, and how HireRight produced its " Results of Reinvestigation '', I was not given an answer - A clear violation of the FCRA, 15 U.S.C 1681i. This error has caused my start date of XX/XX/XXXX with my new employer to be pushed out, and has thus resulted in lost earnings.
Product: Credit card

I have a Sams Club Credit Card account which had become past due because of unemployment and illness. I made financial arrangements paying the monthly amount required since XX/XX/XXXX through XX/XX/XXXX. I paid the minimum amount due to bring the account current XX/XX/XXXX on the Sams Club Credit Website which indicated the account was open and upon payment the account would be in good standing. As per the representative I spoke with, upon paying that amount the account would be considered in good standing and available to use for purchases. When checking that the payment was posted on XX/XX/XXXX, the account now says it is closed due to serious delinquency. Had I known that this would take place, I would have made arrangements for recurring monthly payments instead of this lump sum which I could have used to begin bringing other accounts current. I have sent an message on the account website.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. 
where transactions settled with insufficient balances despite initially available funds. 1 believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

There was a fraud transaction on my account for {$10000.00} on XX/XX/24 to XXXX XXXX XXXX 

I did not make that transaction it was not authorized. 

My account was not refunded the money and I need it
Product: Student loan

Between the years XXXX, I was persuaded by my loan servicer, Navient, to either use forebearance or deferment as a method to postpone payments I could not afford rather than reducing my payments or offering me income-based repayments.
Product: Vehicle loan or lease

I am fighting to be able to get XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have been trying to trade my car for a truck to pull a XXXX XXXX XXXX I was offered XXXX for my car a month ago and now it says XXXX. They are saying I owe more now then when I bought the car. So no matter what I pay which is way to much it will never pay the car off as XXXX charged interest everyday no matter what. I was taken advantage of in a time of crisis and they refuse to help me or lower the amount I now owe. I can not survive paying XXXX a month and it not paying my car off. Plus no matter what I do XXXX turned down for loans because of XXXX and being XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not fair and discrimination especially because I almost lost my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

In XXXX I received a letter from Caine & Weiner in regard to a debt they say I owe. I sent a dispute letter to validate, to cease and desist, I requested documents and also proof if they can even legally collect in my state. If this is a debt collector, by law I would have had to be given some notice before they were able to obtain. The were even illegally reporting on my credit report, before even sending me anything about a debt, which is illegal. I have not gotten any response, however they called me today at XXXX XXXX, which that violates the cease and desist order. It has been longer than 30 days with no response. in accordance with FDCPA they have made violations, and I am entitled monetary remedies, and I would like to collect. They have also sent me emails, during this time that i have been waiting for verification
Product: Credit reporting or other personal consumer reports

Experian has allowed the continuous lifting of my freeze and fraud alert without my knowledge allowing the hackers to change my information whenever they want to. They then have proceeded to apply for credit cards, etc.. Attempts to have Experian prevent this from happening since 2019 have been in vain. I have tried to contact them personally to correct this, but I've been unable to talk to someone. I don't know what else to do to prevent the hackers from lifting my freeze and fraud alert with Experian whenever they want to.
Product: Checking or savings account

I opened an XXXX XXXX Account ( XXXX ) with {$500.00} to be used a deposit for a secured Regions XXXX XXXX credit card. I later filed XXXX  XXXX ( Case XXXX ) and Regions WAS NOT listed because I didnt owe anything on the card and only creditors that money was owed to was listed on my petition filed by an attorney. 
Regions learned of my bankruptcy filing through their own channels and closed my credit card at the end of XXXX. Thats understandable. 
The problem is they wont release the money. A few transactions posted on the account ( I dont have access to the account but Id say less than {$100.00}, so they owe me the remaining {$400.00} ). Its been 3 months. After this happened, I was told by Regions Bankruptcy Department that theyd hold The remaining amount and possibly send it to the Bankruptcy Trustee. They havent. 
I responded negatively to a survey sent by Regions explaining my disagreement with this. A lady named XXXX called me from Regions Escalations and told me she did some research and agreed that nothing was owed and to close the account out I needed to go to a branch and close it. 
I went to the Regions in XXXX XXXX, Texas and asked XXXX to do such. She called Regions Card Services and was first told that the account is still open. Then they agreed it was closed. This is consistent with Regions each person has a different answer that contradicts the previous persons. XXXX submitted a request and the funds werent released. I called XXXX who was advised to send her request to another department. They responded to her that due to my bankruptcy filing ( which doesnt involve Regions, and I dont owe Regions on any other account ) that theyll hold this money until my XXXX  XXXX is XXXX or dismissed, 5 years from now. 
There are no cross collateralization clauses that would apply. I do not owe Regions or any of their subsidiaries anything on any other accounts. Regions isnt listed as a creditor. My bankruptcy payments are current via automatic payment. 

This isnt right or fair and we need to come to a resolution of either releasing MY money to ME or send it to the trustee as a payment on my bankruptcy. Holding it for 5 years without a valid reason is not a solution.
Product: Credit reporting

I have multiple accounts on my credit file that Equifax refuses to remove, even though I have proof that from the companies that they have sent letters stating to remove from my credit file, which I will upload below, and Equifax has not done so. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1400.00} These XXXX XXXX accounts appear on my credit file twice, I have a letter stating that the first XXXX XXXX account is a closed version of the second, and the second letter states that the second account must be removed, so the first account must also be removed because it is a version of the second account. 

XXXX Bank XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} The XXXX XXXX XXXX XXXX {$170.00} These accounts must be removed and Equifax is in violation of the law because they have refused to remove them even though the companies have given the OKAY to have them removed from my credit file. I have also added my ID, SSN, and proof of address for processing. Thank you
Product: Debt collection

I am writing this letter in response to the collection on my credit report from CCS Collections  regarding an alleged debt of {$650.00} from the original creditor, XXXX XXXX. As per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609, I am requesting validation of this debt.

I am disputing the validity of this debt as CCS Collections has not provided sufficient proof that the debt belongs to me. Pursuant to the FCRA, I am entitled to request verification and validation of the debt, including but not limited to the following information : 1. Verification that CCS Collections has the legal authority to collect this debt. 
XXXX. Documentation showing the original signed agreement between myself and XXXX XXXX for the insurance services rendered. 
3. Verification of the original account number and the date of the alleged debt.

4. Itemized statement detailing the breakdown of the alleged debt, including any interest or fees. 

I am also requesting that all communication related to this debt be ceased until the validation process is completed in accordance with the FCRA. 

Please be advised that failure to provide the requested validation within 30 days from the receipt of this letter will result in the debt being considered invalid, and CCS Collections will be required to remove any negative reporting associated with this debt from my credit report.

I am exercising my rights under the FCRA in good faith and expect CCS Collections to comply with the law. I appreciate your prompt attention to this matter and the timely provision of the requested validation.
Product: Credit reporting

I wanted to check my credit score, so I logged in XXXX, which I thought was the only company that issues credit score for the companies give credit or denied. My surprise when I found that XXXX could n't give me my score, so how XXXX was able to issue a XXXX for them, XXXX from XXXX and XXXX from TransUnion?? Thus, I went to TransUnion since it was the lowest one, I have to pay and I was surprised to know they do not use fico the use " XXXX credit scoring formula ''. So how fair is this?? is now Transunion using his own credit scoring and charging for it, so XXXX and XXXX? this is not only not fair but abusive with the consumers. What can we do? to stop these reporting credit companies to do whatever they want to score us?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it 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 instruction. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has reported on my Experian account that I'm XXXX Days Late Payment, but I have proof on my bank statements that I made monthly payments, as I never had a late payment. 

They reported in XXXX that I was late XXXX payments, but as you can see on the attachment I've paid them in all the months that's being reported late. 

I've asked XXXX multiple times to reflect the correct information but they won't comply.
Product: Mortgage

My name is XXXX XXXX. I purchased a home in XX/XX/2021 with my daughter XXXX XXXX & her husband XXXX XXXX. I have tried to fix these issues with Caliber homes and they will not help us. I have attached our mortgage bill below. I put the {$140000.00} down on the home and my name is not on the billing statement nor on the 1098 but it is on the note. It took several calls to Caliber to actually speak with me because they did not recognize my phone number or me. They finally checked the note to see that I am the XXXX person on it. The 1098 came in and it is in XXXX 's ss #. XXXX and XXXX, even though married, file separate tax returns and I file my own as well. We want to be able to deduct the finance charges individually for the next 30 years and we can't. I need changes to be made for us.
Product: Credit reporting or other personal consumer reports

they removed the derogatory remark on my XXXX XXXX report, but now it is showing up as " Paid '' on my XXXX report and there is absolutely no proof that this account belongs to me. I want it deleted from my XXXX report since it shows no validation that it belongs to me. The company sent a letter about the debt, but it doesn't show any proof that it is mine. I then sent a cease and desist letter to the company stating that they show proof through a third party notary to validate their claims, they did not.
Product: Debt collection

This company is trying to collect on a debt that is no longer valid as XXXX XXXX was ordered to reverse charges for their fraudulent practices.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Employer Information : My current employer is XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXXT Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX