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

I called Bank of America on XX/XX/XXXX @ XXXX XXXX  EST and spoke to an associate named XXXX from the South Carolina call center to question a monthly maintenance fee that was charged on my savings account. The associate placed me on a silent hold for 14 minutes. I asked if she was still with me on the line. XXXX responded yes. XXXX stated that I was charged the {$12.00} dollar fee because I did not have a checking account and this is why I was not under the BOA Rewards Plus program. I advised that I do have a checking and savings account with BOA and I was always a member. I asked to check the history since I was always a Rewards member. She was not professional and did not want to give me the courtesy credit. When I asked for the supervisor, she was laughing at me. I stated what was so funny? At this point, I felt I was mistreated and not valued as a client. This is not the XXXX XXXX XXXX, it's a poor customer contact. I waited for a supervisor for another 15 minutes until I spoke to XXXX. I advised the supervisor to listen to the call and provide the necessary coaching and possibly disciplinary action that is required to change the associate 's behavior towards customers. Even though I received the adjustment, I am not satisfied with the level of treatment provided by BOA and I will close the account and move my money somewhere else. This is unsatisfactory and not acceptable. The supervisor did not explain what will happen in the foreseeable future if I would be billed the recurring {$12.00} dollars on a monthly basis. In addition I have never received notification that I was removed from the program. BOA just charged me without proper notification.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

The dealership I bought the truck from went bankrupt finance company is willing to give me my monthly payments back, but not my down payment
Product: Money transfer, virtual currency, or money service

TD Bank statements are coming to my home alerting me of overdrafts for small amounts of money ( XXXX ). I do not bank with TD Bank. 

The statements I received indicate someone has opened two different accounts using my name and address.
Product: Checking or savings account

this is a debit card AUTHORIZED dispute OF {$5000.00} on XX/XX/XXXX  with the merchant I have signed agreement, but never received the services that were promised Please see all documents attached, please see all facts, and evidence attached Thank you kindly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acoounts before I seek litigation for defamation of character ). 
XXXX XXXXXXXX XXXX XXXXXXXX. {$470.00}, XXXX  XXXX XXXX XXXX XXXX. {$340.00}, XXXXXXXX XXXX XXXX XXXX bal. {$1700.00}, XXXX XXXX XXXX XXXX. {$690.00}, XXXX XXXX  XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an Auto Loan with Santander Consumer that was paid off XX/XX/2019. Per Santander the balance was {$22000.00}. XXXX sent them a check in the amount of {$22000.00} on XX/XX/2019. On XX/XX/2019, Santander closed this account as Paid in Full. On XX/XX/2019, this account was reopened and reported as 30 days late with a balance of {$510.00}. I contacted Santander and they could not explain to me how a balance was calculated on my account 2 months after they acknowledged that it was paid in full. This account is now showing as a charged off account on my credit report and has caused detrimental damage to my credit score. I am a XXXX XXXX XXXX   and have been denied XXXX funding due to this charged-off account which is possibly going to cause my business to shut down. I have disputed this account several times and I can not find any relief. Please make this bank stop ruining my credit reputation. I spent {$6000.00} towards the negative equity getting out of this vehicle only for them to lie and place a derogatory mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Mortgage

I sent in XXXX for an appraisal over a month ago.It was for eliminating PMI. Seterus told me it would be completed 3 weeks ago. They cashed my check but never did the appraisal. I 've called twice but the girls who answer the phone have no answer. Senator XXXX office sent a fax a week ago today. -- still no answer.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX/ {$0.00} / XX/XX/2018
Product: Mortgage

I am attempting a short sale for my home at XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX throught Village Capital LLC. An interior appraisal has been ordered but, we have not received a phone call from the appraiser for access information. I am submitting this complaint against Village Capital due to the lack of response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding Fedloan Servicing for the Installment Loans has the payment history incorrect. I have filed forbearance in the past to ensure that my payment history was not impacted. During the alleged late payments, I was experiencing great financial and living hardships. I was homeless for so many years and did not start to get back on my feet until the last 8 months. I had no shelter to live in and finances were tough to come by and I had already submitted a request to have this information removed from my payment history. The company did not send me anything in writing stating if this has been full removed and updated internally as well as with the 3 credit bureaus. Please get my history updated to reflect as on time 100 % payment history. I should not be penalized for not always having access to my account and for not being able to keep up with payments, when it should have been under hardship forbearances, due to my inability to make ends meet. Since I been back on my feet, I have proven and shown that I can maintain exceptional payment history. Thank you.
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 them immediately in my report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, Also I want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b . See the documents attached. XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in that you there at Equifax have no time to wrestle or analyze my complaints. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy ... Delete this account immediately! 


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

First Federal Credit Control has responded to my complaint only after I contacted the XXXX. FFCC has not validated the alleged debt they say I owe them in any form or fashion. I have received documentation that only proves that I have been in contact with them via certified mail over a year ago. They have continued to handle is alleged debt unprofessionally at best. I have received documents that are unprofessional and could have easily been fabricated. I have yet to receive any signed documents with my signature proving I owe them this alleged debt. They have sent proof that only solidifies my identity theft claim. FFCC is the only collection agency that has not cooperated with me in clearing up this matter and they have made a mockery of me and the said circumstances. Also, I find it very disrespectful to refer to me as a debtor without proof of their claim. I am a consumer just like every employee and owner that works for First Federal Credit Control and would like to be addressed as such. While this my only be business for FFCC, I am a consumer, and this effects my everyday life. As a consumer I have certain rights under federal law, and I have chosen to exercise them and should not be mocked in doing so. Again,  First Federal Credit Control is in direct violation of federal law and under federal law must immediately stop reporting this erroneous information and delete this information from my credit file.
Product: Credit reporting

I paid in full and closed a credit card account back in XXXX with XXXX Bank As of XX/XX/2016 they are now reporting status of 60 days late. The account is closed with a zero balance.
Product: Debt collection

On XX/XX/18 a outside collection agency attempted to contact one of my family memebers at their job and it was forwarded to me upon talking to them I realized I had already previously accepted a offer from the original creditor but never heard back. This ultimately causing the guy XXXX XXXX for diversified collections to be really nasty and say such things as well sue you and he doesnt care about what I had to say and hung up in my face. He also threatened that o should get a lawyer and so on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 dispute letters to XXXX XXXX, Experian, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.
Product: Credit reporting or other personal consumer reports

Unproven and unverifiable result of aggravated Identity theft - as per US Code 1028A- this must be deleted from my personal cedit report immediately! 

Based on the information you provided, our records indicate your personal information was impacted by this incident. 

CFPB REASONS This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This has been a ongoing issue that I thought after previous communication it was settled.   In  2008 So ld a item on  XXXX . A   XXXX   XXXX   buyer disputed. because they paid by CC THRU payPal which  XXXX  owes, I automaticalle dlost the right to appeal and no buyer info was given to file a appeal what so ever. Basically, paypal is the judge & jury period ... esp since both companies are same.   Under  XXXX  rules items dispute dare to be returned to t he seller..   XXXX  did not enforce that rule nor wished to make any effort in doing so. ( they already made  $ ).    The attemped a chargeback on me. With out enforcing the rule of item to be returned to sender. I didnt allow that.. I have a judgement against the buyer, which is unenforcable in VA because resides out of state.I have cases against Paypa l &   XXXX  with Online fraud division, the BBB, etc. I have turned PayPal into collections as well.The item was then resold ( stolen merchandise ) ... .and the buyer gained additional monies. Illegal. Warrant has been issed.
Product: Vehicle loan or lease

My XXXX VW XXXX is at the dealership for about a month due to a XXXX XXXX XXXX ( XXXX XXXX XXXX ). It still under factory warranty and I'm still paying for lease till end of XX/XX/XXXX. Since I can't use the vehicle which I'm renting ( leasing ), it's only fair not to pay for the same period car still at the dealership for repairs which is about a month. 

Car VIN # : XXXX. 

The VW dealership repair order number is XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, SMALL BUSINESS ADMIN XXXX Date opened XX/XX/XXXX Balance : {$23000.00}
Product: Debt collection

Unowed debt collection alert on my XXXX report from Credence Resource Management whom Ive never heard of.
Product: Checking or savings account

There was an ATM withdrawal of {$1800.00} on XX/XX/XXXX which I did not make or authorize anyone else to do so. I called the bank to make a claim on XX/XX/XXXX which is when I noticed the transaction and also noticed that I did not have my card on me. The bank issued a temporary credit of {$1800.00} while they investigated. I received a letter dated XX/XX/XXXX saying the claim was resolved and that they had found the the charges were made by me or someone who I authorized to do do. The bank will deduct the {$1800.00} from my account on XX/XX/XXXX. I called the bank to make a complaint about this as I am very frustrated with their conclusion. The card was lost by me, yes, but the bank allowed someone to withdrawal {$1800.00} from the ATM with or without an ID that was not the owner. I am the only authorized person to make any transactions and I did not make this transaction. I am disturbed at how someone was able to withdrawal that amount of money from my account when the withdrawal limit at an ATM is {$1000.00}. The bank has denied my claim and I strongly ask for this to be looked into.
Product: Credit reporting

equifax has incorrect information on my credit report i have tried to dispute it on line XXXX times it has let me go all the way through the whole dispute process and when i submit it it says online dispute is unavailable and gives me an online dispute form to submit i fill it out and submit the dispute form and equifax never acknowledges it. I also fax from XXXX a dispute and they never acknowledge it. i have been a victim of identity theft and possibly a merged file. They have a XXXX XXXX account on there that does not belong to me, i have disputed it on XXXX occasions with an FTC report, There is also incorrect dates from XXXX i did not even have a bill with them until XX/XX/XXXX, i have never paid them late. they have late payments from XX/XX/XXXX i didnt have a DTE account in XXXX i called XXXX they said they dont show ANY late payments. i have asked for verification have not received it. I am no longer an authorized user on the XXXX XXXX. That relationship was terminated months ago.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 the 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.