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

Recently I've opened a checking account with Bank of America and yesterday I made two atm deposits in the amount of {$100.00} each ( {$200.00} total ). 
Since I bank with XXXX XXXX XXXX XXXX but live far from a physical branch, after making my deposit with Bank of America I proceeded to make a phone transfer through XXXX XXXX XXXX XXXX in the amount of {$200.00} from Bank of America to my XXXX XXXX XXXX XXXX account. 
After entering my debit card information to process the transfer, the automated voice said that there was a problem with my transfer and the transaction was not completed and funds did not post to my account. 
I immediately checked my Bank of America account and noticed that my balance was showing XXXX and my {$200.00} funds were no longer available. 
The {$200.00} was showing as a pending transaction on my Bank of America list of transactions, so I contacted XXXX XXXX XXXX XXXX to find out why my card funding transaction was not posted to my account and spoke to XXXX, who just told me that there was an address mismatch, but she said that she does not work day shifts and didn't know how those transactions were processed. 
Today I contacted Bank of America XXXX XXXX to find out the reason why the {$200.00} transaction was showing pending, but funds that should have been posted immediately to my XXXX XXXX XXXX XXXX account for those types of transactions were not showing there. 
I was treated with very little respect and on a condescending way by representatives who did not resolve my issue or offered any resolution for my problem. 
I then contacted XXXX XXXX XXXX XXXX again and spoke to a representative who told me that Bank of America declined my transaction and funds will not post to my XXXX XXXX XXXX XXXX. 
Since yesterday my funds in the amount of {$200.00} are missing and both Bank of America and XXXX XXXX XXXX XXXX keep pushing the situation to each other and I don't have a reverse credit on my Bank of America account or a credit on my XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted XXXX  to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$790.00} XXXXXXXXBalance : {$630.00} XXXX XXXX XXXX XXXXBalance XXXX {$630.00} XXXX XXXX XXXXBalance : {$780.00}
Product: Mortgage

In the process for applying for a mortgage loan, USAA pre-filled items in the loan disclosure packet that were factually inaccurate and material to the process. After four ( 4 ) requests to update the information, they simply said they would take care of it, but the debt to loan ratio they quoted when denying the mortgage loan means they did not actually update the packet with accurate information. 
Furthermore, when they called stating that the loan was denied, I asked what information the underwriter used ( because the ratio they quoted was not possible under multiple scenarios ). They refused to respond and simply said that there was an appeals process, but appeals " always get denied anyway. '' Following the call, I logged-in to our USAA account and noticed they had already deleted all application information. 
I reached out to the loan processors ' management team, who stated they would look into it and get back to me within 1 business day. Two ( 2 ) weeks later, I contacted them again, and a third time a few days later, but have received no response to date. 
It is clear that USAA 's processes and lack of communication allowed factually inaccurate information to go to the underwriter, and their team did not allow for any further communication.
Product: Debt collection

An account was opened XX/XX/year> that I have no clue about. Checked my credit report and notice this account in collection for {$1100.00}. I never opened this account because XX/XX/year> I was staying at another address and had lights with XXXX XXXX. I dont even know the person who got this account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$2300.00} DATE OPENED XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$3800.00} DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 



The following companies don't have permission or authorization to request my credit report : Inquiry details XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, the amount of XXXX usd has been taken by paypal from my account. I has been informed by paypal that I can withdraw the balance after my account has been limited for 180days. I have been waiting all the time. I logged in my account and want to check status of the account, however, I found my money was gone!!!!! 

I earned the money by myself, that is mine! why paypal can ignore the LAW and took money from others without a reason, without a notification. 

It seems I was not the only one who suffered this, because I found some posts from others about similar issue. 

I wish I can get help from you, and get the money back to me. thanks! the email linked to my paypal is XXXX XXXX
Product: Credit reporting 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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX NXXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please remove this account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXXI did a standard transfer of {$490.00} through Venmo which I'm told is a Paypal subsidiary XXXX I was transferring my funds to my bank attached and verified by Venmo. When it didn't arrive in a couple of days I figured it was the XX/XX/XXXX weekend and banks were closed. On XX/XX/XXXX I immediately called Venmo customer service and they said they would look into it and get it handled. It was at this time I was told the funds were sent to some arbitrary bank that I never even heard of and it was nota verified account. I was told this should be resolved within 7-10 business days, weeks went by and I was told again that it accidently did not go to into priority resolution and it may take up to three weeks. I have e-mailed several times and called several more times only to get the same run around. They stole my money and do not see that this is a major problem XXXX XXXX XXXX XXXX ( is on the venmo account )
Product: Checking or savings account

On XX/XX/2018 Wells Fargo sent me two letters informing me that they are closing my two business checking accounts. They did not provide a reason. One of these accounts has been with Wells Fargo for 20 years. I called Wells Fargo asking why they are closing my accounts, and they said they would not disclose why. Both accounts are in good standing, and I can not think of any reason they would close these accounts. I have multiple other accounts tied to these - both to receive income and pay bills. It is causing a significant disruption to my business.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.
Product: Debt collection

XX/XX/2022, Id received an email about a supposed {$96000.00} debt being owed to my past management company from almost XXXX years ago. They told me I would have this debt reported to the credit bureau if I didnt pay it in XXXX days, which means my credit would be damaged. I emailed the debt collector back, telling them I didnt owe any debt, and to cease and desist, or I would take legal action for threatening and falsely accusing a consumer of a debt. However, they still continue to email me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has sent me XXXX letters to date letting me know that through thier company my personal information has been comprised. I went on all three bureaus to see information that's not mine. I am in need of assistance getting and keeping scammers from being able to use my information. I'd also love to hold XXXX XXXX XXXX accountable for allowing my PERSONAL information to be accessed without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$5600.00} XX/XX/2019 has violated my rights. 15 U.S.C1681 section 602A. States I have the right to privacy 15 U.S.C 1681section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

my card and phone were stolen/compromised and someone went all through XXXX  charging my card when I live in XXXX  I want my money back I called the Wells Fargo hotline and I dont know how they let someone in XXXX  have access to my account
Product: Debt collection

Identity theft is happening to me they have went to different place and even is trying to get a prepaid card they went to a company called XXXX XXXX and I owe them XXXX and IT WAS NOT ME! 
Also XXXX XXXX is saying I owe them XXXX IT WAS NOT ME NON IF THIS IS ME I need help Im in distress also AFNI , INC is saying Im in collections with them of XXXX ITS NOT MENPLS HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint submitted on XX/XX/XXXX to XXXX, XXXX, and Experian. The have not deleted any incorrect information. The things reported in XXXX are still on the credit report this is XXXX XXXX. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 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
Product: Checking or savings account

XX/XX/XXXX atm was malfunctioning, I tried to cancel the deposit and get my check out when it asked me to manually enter the amount it would not allow. 
I then get a message that I would have to wait til XX/XX/XXXX for my paycheck to clear I then go inside the bank to a manager wh tells me that I would have to wait til midnight to aee if my check clears then he can call the writing bank and if it cleared out of that person 's account then they could call loss prevention My check clears always the following day and {$500.00} is available right then and there I have now been told while my family is sufferung financially from covid that my pay check will not be made available until XX/XX/XXXX which is about ten days not the seven they claim My family as no money to eat, our water and electric will be shut off because I chose to go to an ATM and put my check into my chase account I could have went anywhere What am.i suppised to do until then we have nothing at all but {$.00} in our account There has been XXXX  checks deposited in this account for over 10 years and a check has never bounced ever I was told by a rep XXXX yesterday there waa a hold and then when transferred to a mamager I was told there was not a hold his name was XXXX this is not a game but the way my family will survive
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted previous disputes to Experian, XXXX  and XXXX   on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : Experian is the only one who actually addressed the process. XXXX  and XXXX have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. XXXX  has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to Experian of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from Experian & XXXX  Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.
Product: Checking or savings account

the money that was in the saving account XXXX was closed XX/XX/2021 due to irregular activities, due to back pay per week with PUA, I received it in one lump sum but paid out different weeks in XXXX. but the money was not returned to the sender or a cashier check sent to me. US Bank took the money from the savings closed and then placed the money in a GENERAL XXXX account without telling me. i had to call fraud and the branch manager and they both stated they don't know how to get the money out the account. SO WHEN WILL THE MONEY BE RETURNED?
Product: Credit card or prepaid card

I have XXXX XXXX voice mail I called directly she probalbly has no idea whats going I have had a XXXX limit for ever I have XXXX accounts all in great standings for no reason at all they dropped my limit have can they do this to people during a pandemic I have. been a loyal customer for years and they do care at all now its looks like I am close to my limit and going to hurt my XXXX XXXX even more. These people are gutless heartless and don't care about there customers at all I hope this happens to them personally and there accounts and see how they like it I want my credit limit back up XXXX immediately where it was but these guys don't want to lift a finger to help at all they get bailed out by the govt and they stick to the customers unreal
Product: Mortgage

XX/XX/2021 I notified the lender they did not have enough money in my escrow account to cover the taxes due for XXXX XXXX they did not listen and had the escrow analysis rant it was still wrong. I mailed my own tax payment. Again in XX/XX/2021 they ran a new analysis where they finally noticed the shortage so they paid the taxes. This resulted in the county get the tax payment for XX/XX/2021 twice. The county accepted the payment and applied the 2nd payment to the XX/XX/2021 due date however Roundpoint did not run another analysis and continued to collect way to high of escrow payments months. Now we are at the end of the year they are holding almost {$3000.00} of my money and still haven't run a new analysis. Based on the bills yearly of {$4000.00} for taxes and {$690.00} for insurance they need {$390.00} monthly plus a small cushion. Yet my escrow payment monthly is still {$510.00} and they are currently as of XXXX holding {$2800.00} in my escrow account with no payments to taxes or insurance due until XXXX and XXXX and by that time they will have collected another {$2500.00} for a grand total in my escrow of $ {$5400.00}.