23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Between XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) ( I had previously sent this claim before but my advisor has informed me I send some incorrect information )
Product: Credit card or prepaid card

My family has been severely impacted by Covid. My husband lost his job last year and it took several months to find a new job. This job does not pay as much as his previous one, and this has cause us to fall severely behind on our financial obligations. Every single credit card company has come up with a plan to help us except Citi. I have two accounts with them and they only allowed one card to have a payment program. My payment is rising every single month and I am not even using my card. I was forced to use it once yesterday to pay for auto repairs otherwise I would not have a vehicle to take my kids to school. I can't believe they will not allow me to go into a hardship program when I so desperately need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Please correct and update.
Product: Checking or savings account

On XXXX XXXX I opened a CapitalOne 360 checking account with a balance transfer from XXXX XXXX in the amount of {$250.00}. The CapitalOne data presently confirms a Current Balance of {$250.00} which shows on my XXXX XXXX acct as a debit POSTED on XX/XX/2023. As this bank to bank transfer is an electronic transfer on the books of the Federal Reserve, it is an IMMEDIATE transfer. Capital One is claiming a 3 day hold on an IMMEDIATE transfer which has ALREADY been transferred to the CapitalOne account. That scenario does NOT warrant a 3 day hold on funds already in the possession of CapitalOne.
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. 

Account name : 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  has violated my rights. 

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: Checking or savings account

My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.
Product: Debt collection

This collection agency, AmSher Collection Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Reported a cable bill that was 20 years ago to the credit Bureau. The bill was in dispute back then. How could this collection agency lie about the account status and alter the past due date so it reported and then contact me to collect the money. They should be legally liable for damaging my credit score and should be putout of business
Product: Mortgage

My name is XXXX XXXX my husband and I was a customer of XXXX Mortgage and then XXXX XXXX XXXX purchased the account. Since 2014 around about XXXX we asked for a home mortification and learned XXXX XXXX XXXX was told by The State Attorney Office in a Lawsuit to help people keep there homes in XXXX 2014. XXXX XXXX XXXX sold our account to Shellpoint Mortgage again we were told to submit paper to work to help us save our home. No one at XXXX Mortgage has worked with us, all income and bank statements proved we have gotten back on our feet to save our home. We have left messages and again no one will help us. My husband received a XXXX and we got behind while he was recoving XXXX. We need the help the was promised to us!!
Product: Vehicle loan or lease

I got a loan for the purchase of a vehicle with the financial institution XXXX XXXX, I have a monthly fee of XXXX XXXX dollars with an interest of 16 %, when I checked my monthly payment I could see that XXXX XXXX is applying to the principal only XXXX dollars and to interest XXXX dollars, this is incorrect since it should be applied to interest XXXX and to the principal XXXX, in this way I am being deceived and robbed by this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Transunion for what I thought was my free yearly credit review and score. Instead, I have been billed for three straight months - XX/XX/XXXX thru XX/XX/XXXX. I never signed up for a pay service. In fact, I never received a monthly or quarterly report from Transunion informing me that they have been monitoring my credit. I happened to notice the charges on my monthly credit card report. I have called them twice. The first time I contacted their representative, one months credit was given, The 2nd phone call I made to Transunion was of no help. I was told by their representative that they only give one month refund and no more. So I am at this point stuck with two months of charges for a service I never wanted and for which they never provided me any evidence of the review. I would be grateful for any help you can provide. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account that was paid through AUTO PAY DEBIT each month, and when I switched to another company, I personally returned all the equipment to the office, had a XXXX balance at that time. Then several years later they ERRONEOUSLY employed a Collection Agency,  XXXX XXXX/XXXX, XXXX. to say I owed a debt. Last year they put this false information in my XXXX Credit Bureau. I disputed the charge, XXXX investigated, the company never was able to document I owed anything, complied and they REMOVED IT FROM MY CREDIT REPORT. Now, today, again, they submitted the same phony charge to my XXXX Credit Report, which brought down my score 24 points when I have excellent credit. So, again, I filed a dispute, but I also felt compelled after months of dealing with this scam agency on the XXXX  report, now again with XXXX, it required to file this complaint, with the hope that these unscrupulous scam collection agencies are fined or curtailed from arbitrarily submitting false information to credit reports ; especially multiple or recurring times after being commanded to remove it previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRY AND DATES XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Debt is tied to collection or lease agreement on a joint account that I have no knowledge of. My information was falsely used during this time period as I stated with XXXX and its on-going Data Breach Settlement.
Product: Money transfer, virtual currency, or money service

Dear, I am writing to file a formal complaint against Square regarding their handling of my credit card payment transactions. My business uses Square to process credit card payments, and I have encountered a significant issue that remains unresolved despite my numerous attempts to address it with their customer support team.

Specifically, Square has withheld {$3100.00} from my account without any clear reason or prior notice. These funds were payments made by my customers for goods that have already been delivered. Despite the successful completion of these transactions, Square has held onto my funds for over 180 days.

I have contacted Square 's customer support multiple times to resolve this issue. However, their representatives have failed to provide a valid reason for withholding my funds and have stated that they have the right to hold my money indefinitely. This indefinite hold on my funds is unjust and has severely impacted my business operations. 

I am seeking the immediate release of the {$3100.00} that Square has unjustly withheld. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Square returns my funds promptly. 

Thank you for your attention to this serious matter. I appreciate your assistance in resolving this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several false credit inquiries to XXXX. I also called the companies to remove the false information. XXXX  continues to break the law by denying my dispute calls and letters. They continue to deny me a fair detailed credit investigation. Which is against the FCRA guide lines.
Product: Debt collection

Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a late payment on an account that I always paid on time. Back in XXXX, I sent a letter requesting the removal of these late payments, but I received no response, and the issue remains unresolved. Under 15 USC 1666b, a creditor can not mark a payment as late unless they ensure the statement is sent at least 21 days before the due date. Credit agencies must report accurate information, as required by the Fair Credit Reporting Act. I never missed a payment and didnt give permission to report these accounts, XXXX  XXXX [ XXXX ], XXXX XXXX XXXX  : [ XXXX ], XXXX XXXX XXXX  : [ XXXX ]. Please investigate and provide proof showing these payments were actually late and that I approved reporting them. If you can not provide this proof, I request that these payments be corrected to show on-time, as I was never late.
Product: Credit card or prepaid card

XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help
Product: Vehicle loan or lease

I opened an auto loan with XXXX XXXX XXXX XXXX  in the amount of XXXX that was the original loan. It was closed. It has come to my attention that an amount of {$27000.00} was charged off in connection with this loan, which was duly updated in XXXX. 

However, I am currently being pursued by NCB MANAGEMENT SERVICES INC. regarding an outstanding balance of {$10000.00}, which appears to be associated with the aforementioned auto loan. This figure is substantially higher than the previously recorded charge-off amount. I havent received any information on this XXXX from this company since XXXX.
Product: Credit reporting or other personal consumer reports

I have requested that Experian XXXX XXXX and XXXX send me copies of my credit reports and update my credit scores and I never got any response
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been told numerous times this account there're was stuff charged on this that was not mine I paid all that was charged by me seats sent new cards to the wrong address and someone charged with my new cards I did not know for a for a month because I didn't check my account because I didn't charge anything unfair to punish me for charges not made by me.
Product: Prepaid card

I bought a concert ticket on XXXX for XX/XX/2024 not realizing this was in XXXX XXXX which is over XXXX miles from where I live. My inte tion was to buy a ticket for XX/XX/2024 in XXXX TX. XXXX has access to my location, therefore, I am not sure why I will offered to buy tickets to a location more than XXXX miles away. I contacted XXXX right away to see an option to change venues or get a refund and they refused. Please note I was never given terms and conditions when buying the ticket. I requested proof of these and they never provided this. 
I then requested a disputw to XXXX XXXXnor Cashapp but it looks they allow a machine or AI to make such decision with very default emails and no human interactions.
Product: Debt collection

I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.
Product: Consumer Loan

I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit beau regarding one of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from XXXX?
Product: Credit reporting or other personal consumer reports

I never gave authorization for these inquries they were made by fraud or misuse or abuse of my report by creditor. There is no permissible purpose and its invasion of my privacy. they are in violation of several federal consumer laws. I demand these unauthorized inquires be removed from my account
Product: Mortgage

I was advised by relationship manager XXXX to hand write a dispute letter regarding the only option ( modification ) I was offered at the end of my Covid-19 forbearance plan. 
Being that I haven't handwritten a letter in many decades, It may be difficult to read. To summarize : I entered the forbearance period as my small business is just now reopening with limited capacity, thus affecting revenues significantly. I was under the understanding that missed payments would be deferredto the end of my loan. 

I contacted SPS in XXXX after being made aware of a Biden Administration extension to the forbearance period of 3 months. I was advised to fill out a form on the SPS website to indicate that I was still impacted by the Covid-19 pandemic, which I did - thinking this was a necessary step to obtain the extension. Instead I was offered a loan modification which reamitorizes the loan, extends the loan and results in an increased monthly payment. 

It is my hope that through this correspondence, that I may be able to obtain the original understanding of deferredpayments and an extension of forbearance by 3 months as I work towards reopening my business. If this is not possible, I'd like to be considered for a modification where my existing interest rate is lowered reflective of current rates, in addition to any options that may lower my payments during these difficult financial times. 

I have attached the letter to this email. 
Thank you, XXXX XXXX
Product: Credit reporting

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments.
Product: Credit reporting or other personal consumer reports

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.