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

None of the afore mentioned categories describe the scope of my problem. BBVA Compass was bought out by PNC in early XXXX. I had enjoyed on line banking through my secure accounting firm XXXX XXXX XXXX with XXXX accounts : Household, XXXX XXXX, personal/trust and one credit card and one debit card. When the change occurred, I was no longer able to access my accounts on line from PNC. I have spent countless hours with XXXX XXXX, my former wonderful BBVA Compass banker and now agent with PNC, on the phone in her office with PNC officials. We have begged and pleaded. I have signed papers that were supposed to get my accounts on line. After TWO MONTHS, I still can not access my accounts. BUT IT IS WORSE ... XXXX weekend, I got a call from a third party in XXXX who banks with Compass/PNC in their branch. She had access to ALL MY ACCOUNTS on her XXXX!! She had numbers, bank balances, transactions. She could access all my accounts and I could not. It is a COMPLETE BREACH OF SECURITY of my accounts. When later, I finally got a statement of my credit card charges, there were a number of charges that weren't mine. I had to cancel the card. Evidently with my accounts on line, I got hacked. Two months later, I still can not access my accounts. I am beside myself. I have spend hours, had two branch managers trying to help... .and STILL NOTHING. These people violated my right of privacy, have caused me countless hours of accounting bills and should not be in the banking business. In one phone call from and XXXX XXXX XXXX weekend who works for PNC corporate, he was rude, flippant and sent me on a wild goose chase to the bank to sign papers that didn't resolve anything. I now hear absolutely nothing. I have no assurance anyone is even thinking about my situation. Poor XXXX XXXX practically cries when I show up at the bank because she feels so badly that she can't help my situation.
Product: Debt collection

I sent in letters to the company MERCHANTS CREDIT GUIDE and all 3 credit bureaus to get this XXXX collections off my credit report.
Product: Debt collection

Nordstrom Credit Services ( TD Bank ) XXXX XXXX Balance XXXX Charge-off Date : XX/XX/XXXX Target Credit ( TD Bank ) Account XXXX XXXX XXXX XXXX  XXXX Balance XXXX Charge-Off Date : XX/XX/XXXX I have tried several times to contact the related creditor who flip flops between the debt department and accounts payable for the above accounts. I have requested copies of my XXXX  1099 C forms as debt was reported at as loss and/or charged off. The company is using unfair practices attempting to collect on a debt that was to my understanding written off. I either would like a resolution of removal of charge off from my credit report, along with derogatory remarks and/or a copy of 1099C to refile my XXXX  tax return. This will outline loss of employment, which like most Americans I was unable to work during pandemic times as the country was on lock down.
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 XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX Services # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit card or prepaid card

Bank of America claims that charge ZERO currency conversion fees when charging in a different currency, while traveling abroad. I just returned from XXXX. While I was there the exchange rate ranged from XXXX - XXXX. And since my return, the exchange rate has always been above XXXX. When doing the conversions on my charges, I noticed that BofA only converted to USD at a rate of XXXX. This is basically FRAUD. 

Dates : Between XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I made a deposit a check into my account at Bank of America, the check is drawing from the same bank. That was on Saturday 1XX/XX/XXXX. Normally it is available the next buisness day except this time costumer service at Bank of America informed me on Monday the XX/XX/XXXX that it will be held till the XX/XX/XXXX and I know from the person that that paid me the check the amount was taking from his account on the XX/XX/XXXX.  Bank of America makes rules as they see fit their bottom line, their employees are useless and can not justify their time when they take a call with knowledge of any aspect of customers complaints
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 information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Well I've try to speak to a representative about why they close my account without notifying me. The banker had told me they can close the account but I still had money in the account now they are saying, I can't get any of my money back
Product: Credit card

Good Morning, I am writing to formally dispute the interest charges applied to my credit card account, number XXXX ]. I believe these charges are incorrect and unwarranted. 

[ Clearly state the specific dates and amounts of the disputed charges. ] XX/XX/XXXX- I called XXXX and talked to Regions Bank Credit Card ( RBCC ) banker. I inquired about a zero-interest balance transfer. The banker informed me my account was eligible. I availed of it. 

XX/XX/XXXX - my CC account was charged {$10000.00} ( XXXX Credit Card ) and {$420.00} for ( Balance Transfer Fee ) XX/XX/XXXX - My CC account was charged {$33.00}. Upon knowing this, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. 

XX/XX/XXXX- Purchase Finance Charged {$33.00} was taken out from my account. 

XX/XX/XXXX - Interest charge - Balance transfer {$150.00}. Upon knowing this again, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. Unfortunately, no action was taken. I kept calling, they told me to wait after a week, weeks passed by. The interest charged was still there. 

XX/XX/XXXX - Interest charge - Balance transfer {$140.00}. Upon knowing this again, I immediately called RBCC and asked for an explanation about the interest charged. They informed me, that they would take it out. Unfortunately, no action was taken. I kept calling, they told me to wait after a week, weeks passed by. The interest charged was still there. 

XX/XX/XXXX- Interest charged adjustme {$.00} ( XXXX XXXX  ) was taken out of the account. 

XX/XX/XXXX- I am curious about what is " Interest charged adjustme '' is to my account, I immediately called RBCC and asked for an explanation about this. 

I talked to a Credit Card Banker named Charsie - she overhauled and checked every transaction from the Balance Transfer Transaction ( she informed me- I called on XX/XX/XXXX, talked to her colleague, and she discovered an error was made. ) until the last interest charged. 
She told me there was no computer glitch. We should have corrected it immediately. She apologizes for the inconvenience that I have endured. She filed a report just like the other credit card bankers and relayed the message to wait for a week. 

I have diligently reviewed my account statements and payment history and have confirmed that I have made all required payments on time. 

I kindly request that you investigate this matter promptly and remove the disputed interest charges from my account. I would appreciate it if you could provide me with a written confirmation of the resolution of this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process : 982 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

This debt was already brought to court, at the time I could not pay the debt and the judge had advised the debt collector to settle for {$1000.00} of the debt. The debt collector denied the amount and the judge said I didnt have to pay anything back due to my low income. Years later, the debt collector sent me a letter asking for my updated employment information to garnish my checks. I, however, am not currently employed and was under the impression this debt had been charged off.
Product: Credit reporting or other personal consumer reports

Received a noticed that I had a collection on my account on the XXXX of XX/XX/year>. I have been receiving calls with no one speaking to robo calls from various numbers for past couple of months, attempted to call XXXX the XXXX 2024, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/year> named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from : XXXX, XXXX, XXXX since XX/XX/year>. Automated call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers i called : XXXX and XXXX credence resource management. horrible communication, and still no proof via mail sent. I want this removed ASAP.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX2022, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an adequate customer service and unfair practices which violates the consumer financial protection act ( CPA ) specifically Cash App failed to take timely and effective measures to prevent an 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: Money transfer, virtual currency, or money service

I am writing to complain the Alliance Association Bank ( AAB ), at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX and the phone number is XXXX I own two condos, XXXX XXXX XXXX XXXX CO XXXX and XXXX XXXX XXXX XXXX CO XXXX. AAB is the bank that handled the XXXX fees. The rules of paying monthly fees to AAB was set as follow, BILL PAY SERVICE Ensure the check is made payable to your association XXXX XXXX and the memo portion includes the following information/instructions : a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. 
a. Management Company ID : XXXX b. Your Individual Account Number for XXXX XXXX at XXXX XXXX is XXXX. ( Please see attached copies ) I used my bank bill pay service to pay my monthly fees and it was repeatedly returned by AAB. I have an example of my payment check sent to AAB which is attached to this letter. I believe I followed the rules and any reasonable banker would accept the check. AAB refused my payments with the same format of the letter, I have an example attached. In the letter, AAB added extra rules and restrictions as the reasons to refuse. I also attached my bill pay profile to this letter. I believe it is a typical case of discrimination against particular customers. I hope you can help me and held them accountable of these discriminatory practices. 
I can be contact at XXXX or XXXX XXXX XXXX XXXX, XXXX CO XXXX. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company still reporting unverified and inaccurate information as verified and accurate, despite letters I sent to the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing, the first account with original balance of XXXX ; the second item with original balance of XXXX ; the third item with original amount of XXXX ; the fourth item with original balance of XXXX and the fifth item with original amount of XXXX. The company sent 4 responses stating the information I disputed are verified and accurate and was updated without performing any investigation, because the company kept send me a report with same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. XXXX billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX XXXX and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( XXXX ) bureaus to remove the lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Support for Legal Action Against XXXX, TransUnion, XXXX, and XXXX Regarding Inaccurate Credit Reporting Practices To Whom It May Concern, I am writing to express my full support for the recent lawsuit against XXXX, TransUnion, XXXX, and XXXX regarding their failure to remove inaccurate late charges and ensure fair and accurate credit reporting. These systemic issues have caused widespread financial harm and emotional distress to countless individuals, myself included, and demand immediate reform. 

In my personal experience, XXXX, TransUnion, XXXX, and XXXX have all refused to correct errors on my credit report, despite my providing clear evidence, including documentation from my bank acknowledging the mistakes. Their refusal to act on these errors has unjustly impacted my credit score, resulted in higher interest rates, and limited my access to financial opportunities. These institutions repeatedly failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me and many others with no meaningful recourse. 

The actionsor inactionsof these credit reporting agencies undermine the trust consumers place in the financial system and disproportionately harm individuals who rely on accurate credit information for housing, employment, and financial stability. Their prioritization of profits and relationships with creditors over the rights of consumers is unacceptable. 

The consequences of these practices are devastating : 1. Unfair financial burdens, such as inflated interest rates, higher insurance premiums, and loan denials. 
2. Missed opportunities, as landlords, employers, and other decision-makers use inaccurate credit reports to deny housing and jobs. 
3. Mental and emotional distress, as consumers struggle to resolve errors with little accountability from these agencies. 

I commend the CFPB for taking legal action against these organizations and advocating for the rights of consumers. It is imperative that the CFPB hold XXXX, TransUnion, XXXX, and XXXX accountable for their negligence and implement stronger regulations to prevent future abuses. 

I urge the CFPB to pursue this lawsuit to the fullest extent and take the following actions : Enforce stricter oversight of credit reporting agencies. 
Mandate clearer and more accessible dispute resolution processes. 
Impose severe penalties for non-compliance with FCRA regulations. 
Ensure that credit bureaus prioritize consumer rights over profits. 

Thank you for addressing this critical issue. I am hopeful that this lawsuit will lead to meaningful reforms and help restore fairness, transparency, and accountability in the credit reporting system. If there is any way I can assist in this effort or provide further details about my experience, please feel free to contact me. 

Sincerely, XXXX XXXX