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

Bank of America -- My husband and I are XXXX XXXX XXXX, currently stationed at the XXXX XXXX in XXXX. On Friday and Saturday ( XX/XX/XXXX-XX/XX/XXXX ) my husband was unable to access his savings account online. He waited till Monday ( XX/XX/XXXX ) to call Bank of America customer service, re : this issue, as that was when main customer service is open. They informed him they had closed the account and they had the right to do this, with no notice or recourse, as per the terms of the policy when he opened the account. A check would be mailed to his home-of-record address, but no time-frame was given. When I inquired about the status of our joint checking account ( which we have held for the past 25 years ), I was told it was scheduled to be closed, but they were unable to tell me when or why ( same story as above ). I asked to speak to a manager and was disconnected. I called back and was told the " Risk Management team '' saw foreign transactions in the account and decided to close it as a " business decision ''. I explained I am a XXXX XXXX XXXX and have served most of my 18-year career outside the US, so there were bound to be foreign transactions. I also told them that a check, sent to my home of record ( my aunt 's house ) would not get to me for 4-6 weeks and this would cause great difficulty, with no access to my funds for such a lengthy period of time and 2 business trips fast approaching. I again asked to speak to a manager. Again, I received the same speech about them having the right to close the account at any time. Again, I was disconnected.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a ticket for XXXX to remove the XXXX from my account as I'd lost my XXXX authenticator codes. I got an automated email from " XXXX '' saying to attach my ID, a picture of me holding my ID, and a video requesting them to deactivate the XXXX, which I sent them immediately. It is been almost 3 days since hearing from them at all and it seems they are just holding my money XXXX and not working with me to get into my account. I have enough money in there that I'm missing out on profitable trades and gains and they have to let me into my account immediately. No sign of contact with an actual person. This needs to be resolved now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on all 3 credit bureaus. Theyre reporting a collection account which I have asked for validation of debt with original credit application with my wet signature on and they cant provide validation of debt. Partial account number I have is XXXX taken off of my XXXX credit file. 
This account is also in violation of metro 2 fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 15. Validate Account XXXX 16. Validate Account XXXX XXXX 17. Validate Account XXXX XXXX XXXX  XXXX XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

19. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 20. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX 22. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 23. The following personal information is incorrect Employers : XXXX EMPLOYEE 24. The following personal information is incorrect Employers : XXXX
Product: Checking or savings account

XX/XX/2020 I opened a Navy Federal Credit Union XXXX XXXX XXXX account. 

XX/XX/2020 XXXX XXXX placed multiple restrictions on my account. I tried to close my account & have a check sent to the address on file & NFCU denied this request. Stating that they are unable to close my account, due to security restrictions. So while they can freeze my account, I would appreciate it if they either unlocked my accounts, or just close them & send me the funds. Id prefer to just have my account unlocked though, so I can keep my NFCU account.
Product: Credit reporting or other personal consumer reports

on XXXX I called Ally about them posting a 30 day late payment on my consumer report. They hung up on me. Later that month I wrote them to investigate my claim per 15 USC1666b timing of payments for proof in writing of late payment. they did not provide that. As per 15USC1681sec604 ( A ) I did not give them permission to report a late payment. I request that you the CFPB contact Ally financial to remove the negative remark from my consumer report. 

Please & thank you XXXX XXXX XXXX. the late payment that Ally refuses to remove is on XXXX of 2023
Product: Credit card or prepaid card

Bought Gift 3 Visa Gift Cards XX/XX/XXXX for a total of {$1500.00} with my credit card. Tried to use for groceries. All 3 cards rejected. Incomm says cards were not activated, I have the receipt that shows activation. Can't use cards I paid for. Case Number with Incomm is XXXX Incomm refuses to activate them. I want a check sent back to me overnight for the amount I paid- CARD FEES INCLUDED.
Product: Debt collection

I reached out to Harvest Associates inc. via postal mail ( 1 ) ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2020. It was received by the company XX/XX/XXXX. Which the company still hasnt updated the credit companies that this account is in dispute which is another violations of the many i discover.
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! Fortiva Credit Card VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting or other personal consumer reports

Transunion is deliberately not in Compliance with bankruptcy court Rule 9037 of the Federal Rules of Civil Procedure.

Transunion continue to disregard CFPB advisory on name only matching.

Transunion refused to follow 15 U.S.C. 1681e ( b ).

Multiple letters were sent and Transunion refused to follow the laws.

TansUnion must delete the bankruptcy for none compliance.
Product: Bank account or service

I have XXXX different accounts with Citizens Bank and I transfer money daily into my other account because my other debit card got compromised and had to wait to get a new XXXX, so I had XXXX $ to pay my XXXX cell phone in the account but in the process if I had to pump gas or pay anything else I immediately would transfer the money but I still got hit with a XXXX $ overdraft fee for an check that came through for XXXX $ which was my daughters school pictures which I did forget about because that check I gave to the school in XXXX and they just cashed it on the XXXX of this month and the bank does n't want to help me reverse the overdraft fees. Can you please help me resolve this issue seeing I am XXXX with XXXX children under XXXX. I do n't think it 's fair what they 're doing. I have a savings account also with XXXX $ in it I constantly transfer which they see but wo n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires ran without consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 XXXX deleted Acct # XXXX from my credit file and I would like Transunion to follow suit and delete this tradeline from my credit file.
Product: Credit reporting or other personal consumer reports

Equifax Is reporting an account that is NOT Mines. Account Name is : XXXX XXXX XXXX Account XXXX : XXXX
Product: Checking or savings account

I received mail with promotion from Bank of America. On XX/XX/XXXX I have appointment with bank associate XXXX XXXX at bank branch on XXXX XXXX XXXX. She opened me new checking account and told me promotion requirement for receiving bonus : " deposit {$50000.00} in first 30 days and keep it next 60 days. She told me I will receive {$500.00} bonus in 90 days after completing 60 days deposit period. I deposit full amount on XX/XX/XXXX and withdraw on XX/XX/XXXX. I did not receive bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX ... This bank pulled my credit. I have been having a problem with this bank for over a year. I did not and do not authorize Chase to to make a inquiry on me and it seem like someone periodically run my credit every 3 -6 months and im tired of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported as 6 days late through Home Depot credit services because I never received a bill or a phone call then a email 6 days later paid it on they day then paid the whole amount the following day but they reported it to the credit bureau.
Product: Credit card or prepaid card

On XX/XX/2018 I applied for a credit card online with US Bank. I requested a credit limit of {$18000.00}. In addition I was requesting a balance transfer of {$17000.00} from another credit card. Both a credit limit and whether I wanted to initiate a balance transfer with the dollar amount were fields on their online application. Approximately 2 weeks later I received in the mail a credit card with a credit limit of {$1800.00}. I called their Customer Service lime and and was notified this was a system generated credit limit and if I wanted to be reconsidered for a higher amount that another credit inquiry was needed. I called numerous people within the organization to get this rectified but to no avail. One of their own Head Underwriters considered their system flawed. I eventually got in touch with the Office of the President and one of their reps contacted me and said she would call me back after she got my side of the situation. She never returned any of my numerous phone messages and then her number eventually just kept ringing - her voice mail never picked up again. This was after me leaving her messages for 3 weeks straight. Very unprofessional for such a large Bank. And thats where it ended - no way to get a hold of anyone.
Product: Mortgage

I was a first time home purchaser in XX/XX/2004, with a XXXX FICO score, with healthy reserves, and I purchased a house in XXXX GA. 

I have have a myriad of problems at this time possibly due to predatory lending and as I look deeper, I am finding a host of inconsistencies and issues unbeknownst to me, which had led me to call my mortgage servicer, JP Morgan Chase. Unfortunately, due to this Covid 19 pandemic, the wait time is approximately 3.5 hours and I have waited 2 cycles, unsucessfully. I attempted today to call, however to no avail. So much Idle time has gone by and I am feeling a bit frustrated.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( XXXX U.S.C. XXXX ), XXXX ( XXXX XXXX. XXXX ), and XXXX ( XXXX XXXX. XXXX ). 
Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX ( XXXX XXXX. XXXX ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 

I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. XXXXhorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter. 
I expect your immediate response and resolution to this issue.
Product: Checking or savings account

I have a membership with XXXX XXXX. Once a month on the XXXX, they take XXXX from my checking account. On the XXXX, the amount wasn't there because people do live pay check to pay check. They don't allow members to pay with their credit card and now I've figured out why. On Thursday, XX/XX/XXXX they were able to get there XXXX but they also charged me a XXXX return fee. This is why they won't let members use their credit cards so they can be vindictive and charge you a late fee as though you wrote them a check. To get charged a late fee as though this was a check that was written is insane. For my bank to allow the late fee charge is also bad for business. There's no customer service number to reach out to XXXX. They tell you to go in person and talk with the actual gym that you visit and speak with someone there. They will never give you an honest answer and they consider the charge justifiable. I would like the late fee given back to me. We also should be able to use a credit card to pay for our member fees or debit card. NOT just checking account. I knew that something was up when they charged me my annual fee way before the 6 months or year was up. I also saw red flags with this company when I signed up. Who doesn't allow people to use a credit card or debit card as a form of payment. Highly suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, XXXX, and Equifax on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - Equifax states 30 days late on XX/XX/XXXX but XXXX  and XXXX  state OK - XXXX and XXXX are reporting correctly. 
- XXXX  and XXXX states 30 days late on XX/XX/XXXX but Equifax states OK - Equifax is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my credit report so that I can apply for a credit card. I havent been denied for multiple, and come to find my information hasnt been updates since XX/XX/2017. I have been working for the last two years, and have been renting a house. I can't access any online tools because my reports all say " error loading '' " unable to show your report '' and when I try to contact someone, it's all a bunch of XXXX. Robots or comments left to never be answered. Spoke to a man on the phone who is sending me a mail copy BUT THAT DOESNT CHANGE THE FACT I CANT SEE IT ONLINE OR UTILIZE MY ONLINE TOOLS. I NEED my report and my whole life is getting ruined because nobody can just take two minutes to help me! Upon the security questions I am being asked about accounts that arent mine and therefore not " passing '' PLEASE HELP ME. The companies involved I ALREADY CONTACTED but sure go ahead, its Transunion, XXXX, and XXXX
Product: Money transfer, virtual currency, or money service

After recieving an add from Robin Hood, I clicked on the ad after being interested in crypto for a while now. Claimed to be quick and easy way to invest, I just had to add my routing and account number. After robin hood got my funds, I was able to use XXXX bucks outta my XXXX from my savings that I had been saving for yrs before they restricted my account. Even after I passed all security protocols like verification of my ID front, back, and a video of my face. They emailed me asking for a bank statement, and even after all of that my account is still restricted. Ive tried to call and cant get anyone since I cant use the app to schedule a call. Please help!!
Product: Debt collection

The company is on my credit report. I have no idea who the company is attempting to collect a debt for. The FCRA states that a company has to send me a letter in the mail 30 days prior to reporting on my credit. This is a clear violation of the law.