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

I HAD NUMEROUS ACCOUNTS WITH BANK OF AMERICA FROM XXXX TO XXXX AND AS I UNDERSTAND YOUR ORDER, YOU ARE REQUIRING B OF A TO RETURN ANY AND ALL DOUBLE NSF FEES THEY CHARGED THEIR CUSTOMERS. 
B OF A HAD A HISTORY OF SINGLE, DOUBLE AND TRIPLE AND MORE OF CHARGING MY ACCOUNTS MULTIPLE TIMES FOR THE SAME UNPAID TRANSACTION OR PAID TRANSACTIONS ( I DO NOT HAVE ALL OF THE STATEMENTS NOW AS THEY ARE IN BOXES AT MY GIRLFRIEND 'S AND UNACCESSIBLE AND MANY ACCOUNTS ARE CLOSED ) I ALSO HAD TO CLOSE ACCOUNTS TO STOP COMPANIES FROM CONTINUALLY TRYING TO CHARGE MY ACCOUNTS FRAUDULENTLY. 
I ONLY HAVE ONE FORMER ACCOUNT AVAILABLE TO ME NOW WHERE THEY CHARGED MY ACCOUNT MULTIPLE NSF FEES FOR BILL PAY BUT NEVER PAID THE BILLS BUT I WOULD ESTIMATE THAT UNDER YOUR ORDER B OF A PROBABLY OWES ME THOUSANDS OF DOLLARS IN CHURNED NSF FEES IN THE 4 YEARS UNDER THE ORDER. I HAD AN ACCOUNT WITH THEM STARTING BACK TO XXXX WITH THESE ACCOUNTS AND ORIGINALLY ALL THE WAY BACK TO XXXX WHEN I OPENED MY FIRST SAVINGS ACCOUNT AS A CHILD. 
I HEREBY DEMAND THAT BANK OF AMERICA INVESTIGATE ALL FORMER ACCOUNTS AND RETURN TO ME ALL NSF FEES THEY CHURNED ON THOSE ACCOUNTS TO ME & I KNOW THAT UNDER THE LAW THEY ARE REQUIRED TO MAINTAIN BANK RECORDS OF ALL ACCOUNTS FOR 5-7 YEARS SO THIS WHILE CUMBERSOME SHOULD NOT BE AN ISSUE. 
I EXPECT THEM TO CONTACT ME AND WORK ON THIS WITHIN THE 90 DAY TIME FRAME THAT OUR AGENCY ORDERED. 
I HEARD NOTHING FROM THE BANK SO FAR AS TO MY STATUS.
Product: Credit reporting or other personal consumer reports

I had applied for credit for a new vehicle XX/XX/XXXX, when my credit was pulled Experian credit has listed a bankruptcy account dated XX/XX/XXXX and closed on XX/XX/XXXX, how is this legal? 
I have disputed this to have it removed the bankruptcy the process was started but never filled it should have never been on my credit. I called Experian Dispute @ the number provided on the website ( XXXX ) on XX/XX/XXXX, and was never able to talk to anyone, then disconnected. 

This error has caused so many problems in XX/XX/XXXX was the first time in years I have applied for car loan I have attached a copy of the credit report with the date present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the Consumer Finance Protection Bureau a few days ago against Bank of America and XXXX XXXX XXXX. 24 hours after filing the complaint, which had nothing to do with the information reported by Bank of America on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from Bank of America Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX XXXX   settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the Bank of Americas unethical business practices. I called Regulatory Compliance   at Bank of America 10 times yesterday and they never returned my call. The EOscar system is being abused by Bank of America and it's a violaion of of my rights
Product: Debt collection

Carter-Young Inc responded to my first complaint through the CFPB on XX/XX/XXXX stating that they would delete this account from my reports however as of XX/XX/XXXX, this account is still being reported as a collection and is negatively affecting my credit. The company has failed to uphold their agreement to remove the collection account and also did not send any letter stating that they would delete the account ( which was stated in their response ). This account needs to be deleted ASAP, not in 30+ days!
Product: Checking or savings account

Wells Fargo closed my checking account and never sent me the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I used the zelle feature offer through my financial institution mobile app to send {$700.00} to purchase a puppy from a website called XXXX. The money was sent to XXXX XXXX associated with telephone number XXXX. {$500.00} was for the purchase of the puppy and {$200.00} was said to pay for the flight to fly the puppy to me. Upon making the payment I did receive confirmation from XXXX that the payment was received and that the puppy would be given a vet check and then a carrier services/XXXX XXXX  would be handling the flight and delivery everything to this point seemed legit. On XX/XX/20 I then received phone calls/text messages from a individual from XXXX who said they were the pet carrier agency that would be handling the flight and delivery of the puppy, but asked the we send {$1200.00} for insurance and that the money would be refunded once the puppy was delivered. This didnt make any sense and the person we were speaking too could not provide me their email address or company website. I told them that we didnt have that money nor were we prepared to pay that and I would need to figure something out. They also sent an e-mail from XXXX confirming the same information. We were never advised by XXXX XXXX that we would have to pay this fee in order to get the puppy nor do I have that amount of money to pay even if it would be refunded. I then reached out to XXXX to ask for a refund since I would not be able to pay the {$1200.00}. She responded that she already paid for the flight and would not give a refund. I asked for proof of the flight payment and advised that if the flight was already purchased that I would just like the refund for the puppy. She has now stopped responding to my text messages and calls. I submitted a request to XXXX through XXXX to request a refund which she did not respond to. I called my financial institution Chase Bank to request assistance in filing a fraud case and was advised that they can not help since I authorized the payment and payments through XXXX are not guarantee. I don't agree with that. XXXX is an option they offer through their mobile application its not a sight that I am using outside of my banking how can they do nothing knowing that this is fraud. Additionally if they are now aware that this person is fraud, why can they not contact the other financial institution so they are aware or to at least try to get a refund on my behalf. I feel this is unfair practices to offer a payment option they do not guarantee or provide any assistance to help recover my money. I am a XXXX XXXX XXXX student who is now out {$700.00} that I can not afford and no one will help me. THIS is FRAUD. Can someone please help me? How can Banks offer this payment option and do nothing to help?? If the Banks can not help, shouldn't there be some liability on XXXX??
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRES HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NOT BENEFITTED IN ANY WAY FROM ANY OF THEM LISTED BELOW. PLEASE REMOVE THEM WITHIN 4 DAYS. 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

On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). 

A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. 

Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. 

On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. 

I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. 

On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. 

On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. 

I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> CCB/Ulta reported negative on my payments. I have reached out in goodwill but nothing from the creditor. I understand that according to federal law 15 U.S. code 168a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and person making the payment. I also understand that according to federal law 15 U.S code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. 

I am asking that the two late payments be removed from my credit report.
Product: Debt collection

I lost my job last XXXX reached out to mariner finance for Assistance and the manager refinanced my loan to lower my monthly payment. I anticipated unemployment however the company fought me due to the means of my separation so unemployment was denied with repeated attorney assistance to overturn that decision to no avail so I had no income since last XXXX and then the pandemic hit. All the while I have been in constant contact with the branch manager at mariner finance explaining my situation. Today I received a phone call from the district manager who claimed he was only calling to try to resolve this matter and that he had to make a decision today. As I explained that Im having trouble putting food in my XXXX  mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. As I explained that Im having trouble putting food in my childs mouth and just went to child support hearing yesterday for modification which has been delayed since last XXXX as well I would rather feed her with any money that I have then pay a bill at this point as I am struggling financially and everything is behind except that I am covered by this Covid act and all of the companies have been kind enough to give me deferments and work with me knowing that sooner or later I will either get back to work or things will change financially for me. He became extremely forceful telling me that I needed to make a half payment today or at least by Friday as he would be making a decision to pursue this and get an attorney involved and put a lien on my home and start the collection process which he stated would be adding excess fees on top of the balance that I owe. He told me this will get very costly and that he will get his money one way or another verbatim. I explain to him that all the other organizations under this pandemic act have worked with me and understood my situation. He talked over me would not let me answer him was very forceful de meaning, intimidating, and threatening which I relate to him several times. Are used to be in collections and understand collection practices and procedures and I also understand that there is a pandemic that none of us have ever experienced or know how to deal with but this type Of collection practice of this organization allowing a divisional manager to call and use intimidation harassment and demeaning to a single mom that has no job no income and no chance of getting back to work anytime soon that he was going to take her home put a lien on it so it wouldnt sell as he put it ver batum. This is a legal with this company is allowing I am under this protection act and I do want action taken thank you
Product: Credit card

I added the Citibank Costco Visa to my XXXX XXXX. I went to a Costco warehouse and tried to make a payment using tab and pay and it failed, but I had the physical card with me so I used it after by inserting it and the transaction was approved. Then I made 3 additional transactions at Costco using the same card and all were successful.

Then I received a phone call that the account has been locked and I must verify the account. I have the fraud department agent the secret word them they proceeded to ask me for the checking account number I used to pay my credit card which I gave them and next thing I was told is that I have to wait for a letter with a reference number which will take 10 business days. Until then my account will be locked. I asked to speak to a supervisor and was told " no, you have to call again and ask for a supervisor ''.

I searched online and lots of customers have very similar issues like I am having with Citibank. Worst establishment.
Product: Debt collection

I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 this item is being reported correctly? Who verified this account? 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 wilful non-complying with the FCRA. 

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

BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Debt collection

I have been contacted on numerous occasions by the company who is trying to collect a debt that is 15 years ol and beyond the statute of limitations.
Product: Debt collection

We moved out of our apartment on XX/XX/year>. I have proof of signing the move-out document on XX/XX/year>. 

After moving into our new place, we expected to receive our security deposit of {$800.00} within a few months. 

On XX/XX/year>, we called the apartment complex, and they claimed we owed them {$1200.00}. 

I asked for evidence, which they said had already been sent to us. However, they needed to email me the information that same day while I was on the phone with them. 

When we reviewed the evidence, it included small black-and-white pictures of damages that we didnt recognize, as we had cleaned the apartment thoroughly ourselves. 

The only physical correspondence we received was a collection letter dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

700cr/XXXX  XXXXXXXX XXXX XXXX used my social security number without my consent or permission when I have never been to their physical address to sign off on any paperwork for them to do so they refuse to remove the hard inquiry from my consumers report at my request they ran my social security number numerous of times which caused it to drop and the credit score
Product: Checking or savings account

ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions.

To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months.

To receive a proper interpretation, I contacted four bankers at four different branches. 

They ALL stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 

NO banker at a branch ever gave me a different interpretation of the clause. 

I certify I am telling the truth and only the truth.
Product: Checking or savings account

On XX/XX/2023 I digitally deposited a government check in the amount of XXXX XXXX 

As of close of business on XX/XX/2023 they still have not given me any of the funds. 

Upon calling them they refuse to recognize government checks are not subject to holds past one business day. 

They also refuse to recognize their own policy that states that government checks are not subject to holding past one business day regardless of if you are a new account holder or not.
Product: Debt collection

Harassing phone calls 6-10 times a day. Different numbers every day wont tell you who the creditor is they finally called from a number that was traceable to find out the were sunrise credit ... they wont stop harassing me. This has been going on for a month. Never sent out a paper notification. Didnt know who there were till I looked at my credit report.
Product: Student loan

Sallie Mae XXXX XXXX loans taken out in 2016. Total amount of all 4 loans is around XXXX. I can not afford the payment of over XXXX per month ( since I graduated ) and I am and was considered XXXX. I believe I was on XXXX when I took out the loans. I have tried twice to file a XXXX discharge for the private loans. I had a federal XXXX discharge prior to taking out these private loans so that I could finish school. They will not discharge the loans because I am working part time ( even though I earn under the allowed amount by Social Security. ) I am now 17 days behind on my payment this month and they are calling me 4-5 times per day and demanding not only THIS months payments but NEXT months ... .I need help. This is discouraging. I am doing the best I can ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been provided all documents, police report information, and identity theft report but refuses to remove : 1. XXXX XXXX XXXX, collections account XXXX is violating my rights