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

I've made a complaint on XX/XX/24 regarding my account closure on XX/XX/24. My account was being closed without my knowledge. I was denied online access and was originally told I wasn't able to go into a branch to withdraw my remaining funds. I received a call on XX/XX/24 from a Bank of America representative advising me I was able to go inside a local branch to complete my request. The representative also advised me she would notate my account that my accounts were clear to withdraw. I then went inside of a branch location on XXXX XXXX XXXX in XXXX, Tx to complete my transaction and was told by XXXX XXXX my accounts were locked and I was unable to withdraw my money. Not only did XXXX tell me I was unable to withdraw my money she was rude about it while asking do I know whats going on with my account. After I already explained the situation and what I was trying to accomplish. I then called Bank of America again to express what was occurring. The representative advised me that XXXX of my accounts were open to withdraw funds but not both. The lack of communication with this company is unacceptable. Having multiple accounts with them over a XXXX time span being treated so poorly with my livelihood at stake is the most absurd and disrespectful thing I've encountered with any financial institution ever.
Product: Debt collection

I owed capital one on 2 cards ... I paid capital one platinum in full ... .I tried to pay quick silver in full but they offered a one time cheaper payment ... they acted like I they wanted me to pay the {$290.00} offered but I want to pay the 589.11 in full .... capital platinum took it in full... I called quick silver last Wednesday and they said it would be taken out the next day ... it wasn't.i called again and they said I kept an error ... my bank said it didn't make sense ... I found how to pay it in full in the app ... my platinum card is showing paid I have proof ... my quick silver is now showing a {$0.00} balance but they haven't removed it from my account... it also says it's been paid and there's nothing more to do but my bank has gotten it.its weird because my platinum took it and it's paid but it doesn't give me a message saying nothing more left... I've paid both in full it's quick silver not pulling it from my account... I have proof
Product: Credit card

On XX/XX/XXXX, I was contacted by USAA concerning my credit card. During the conversation, I reiterated multiple times that while I was seeking a resolution to the problem at hand, the solution would not be made through me closing my account. Eventually, the agent made the statement that " [ he ] was making the decision to close the account. I need you to listen and agree to the following recorded statements. '' Given the manner and method in which the statement was given, coupled with the fact that I am already prone to XXXX and XXXX XXXX- something that USAA should be considerate of given that they market themselves to military members who as a group tend to suffer from XXXX and other high stress XXXX XXXX- I understood that I was not offered an option other than to follow the directions issued by the agent. 

I have since contacted the company and requested, asked, argued, pleaded, and every other synonym for them to review the recording of the conversation. While they have agreed that there is a recording of my agreement to the closure, no one will clarify any of the surrounding conversation prior to the closure of the account. The closest that occurs is that one agent has stretched, tremendously, that I previously agreed to the closure when I said " yeah '' after the agent asked " So I understand that you want to be done with everything and close the account. '' Has no one ever taken XXXX grade English and studied the word " ambiguous ''? I wished to be done with the problem that I was contacted about, I did not wish to close my account, which I had made plainly clear in multiple other statements, and which no agent will verify that I said. 

I maintain that they know if they verify my statement that I did not wish to close my account, then they have to admit that their agent acted inappropriately, and every action they have taken since then is punitive against me. Up to and including harassing phone calls meant to intimidate me to stop me from pursuing further actions to have this corrected. 

I have reached the end of my abilities to try to reason with the company. No agent will answer my question of how many times I made plain statement that I did not wish to close the account. No agent can explain how an agent can close my account- in good standing- against my express wishes and stated desires, other than through coercive means. 

Due to the closure of the account, my oldest and largest credit account, my credit score took a XXXX point drop. My other credit cards halved ( or more ) my available credit, and I have been dealing with constant and daily XXXX and stress XXXX XXXX XXXX 

Help, please.
Product: Credit reporting or other personal consumer reports

I am writing in to dispute inaccurate personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information in a consumer 's credit report. 

I have mailed off several disputes to XXXX, XXXX and Transunion and its always the same ole thing. They want to send that same " stall tactic letter '' out but can not mail out any updates or responses from the Credit Disputes that I am sending to them. By Law they are supposed to do their jobs and as consumers, we have the right to dispute erroneous information/accounts on our credit report. 

Disputes are attached since I can not get them to even review my disputes. Never Ever
Product: Mortgage

Several months ago I filed a complaint with you against a mortgage lender who advertised an attractive rate then when later it disclosed points that made going forward unattractive we were charged with their " preparation '' expenses. If this is not deception I do not know what is. So far you have not even acknowledged the complaint let alone done anything about it. If this is how you protect consumers we are all undone. Thanks a lot for nothing and XXXX  XXXX to you.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom it may concern, I was recently reviewing my credit report, and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report and my notarized identity theft affidavit are all attached. 


These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Creditor/Agency and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Product: Debt collection

I filed a complaint and it wasn't investigated before it was closed. I had no contract with Ross Associates! I made an agreement with XXXX XXXX XXXX XXXX for utility service not Ross. Ross has no paperwork but insistent that I owed the bill that was reported to my credit 6 months after final bill that I never received. I asked for a copy of XX/XX/XXXX bills or a copy of the final bill. They responded saying I owed without proof and said they wanted me to prove I paid the bill. So I put in the complaint for XXXX XXXX XXXX and Ya 'll couldn't contact them, the original debtors. How can the claim be closed without proof that I owe anything. It took them 6 months after the service ended not giving me a chance to dispute or challenge the bill. I found out 3 years later and never received a bill. Why don't they have to produce proof of me owing the bill especially since they're 3rd party. I was in XXXX when they reported the bill and that's why my services were turned off. I'm in XXXX and have no way of accessing this information and shouldn't have to. The burden of proof should be on them. Not close the case because they said I owed the money.
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 am worn-out of sending dispute letters to XXXX and Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX  XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late pay i need to get removed. I never received a bill and didn't know I had anything due at the time. Its my only blemish on this account and not my fault since there was no bill received. Please help me get it removed. I've disputed the account with the bureaus but had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.
Product: Prepaid card

On XX/XX/XXXX I noticed that my credit card statements were incorrect giving the fact I have never been able to access my credits but on my credit card billing statement its showing that I have been accessing my credits which i false statement chime has been sending XXXX XXXX XXXX  false statements i the consumer has never authorized anyone to access my credits without my authorization but the credits are still being processed. Every time I ask chime to investigate they come back with no error found I also have ask them to send proof of the signature card information which they have yet to send those documents
Product: Checking or savings account

As my other reports stated my XXXX  was hacked and my debit that is linked to my cashapp account was used to take out money from my bank ( BOA ) totalling to {$XXXX} the money was then sent to another account i have no history or relations with. i called XXXX  to refund the money as soon as i seen it i also never gotten any reports that my account was comprised or a verification to login. I filed a claim with the CFPB against XXXX  and they said they cant help me because they cant verify my identity ive called day and day to get my money returned but only thing XXXX  said was that they couldnt help me and they reported it as a scam they kept directing me to customer support and they never helped
Product: Payday loan, title loan, or personal loan

This is an extremely upsetting case of possible UDAAP violations. I received a very threatening call from a XXXX XXXX - NO company name left. The message said that she was an independent courier and that she will be at my home during my work hours. She advised that if I was not available at this time which I will not be she will be forced to mark me as non-complaint/refusal and additional action may be taken towards me. Additionally she left a number for me to call the " filing party '' insinuating suit or formal filing. The number left was XXXX. This was a call to XXXX XXXX. I called the number and spoke with a XXXX XXXX who provided me the last four of the SSN. What is this was not me? The appropriate practice would be to ask the consumer to validate. I advised this person that I wanted validation of this alleged debt via mail and did not want any additional phone communication and that I did not want anyone coming to my home and if so I would contact the police he advise that he would send a police escort if necessary. This is a direct threat to my safety and my home and I am unaware of any such debt! He offered to email me the validation I again requested all communication via mail. HE REFUSED. Additionally I advise him of the unprofessional and threatening tone of the carrier he advised this was not his companies responsibility and he was not sure who the carrier was. I requested additional information as I am unsure why he would not have this information. He said it could possibly be XXXX courier. He stated this was for a debt from XXXX XXXX ' XXXX from 2013. Again I am not familiar with this debt. He informed me that I was on a " Federally recorded line '', this is an attempt to intimate me and refused to provide validation outside of email and stated someone is coming to my home again with police if necessary. I advised him I do not want any additional phone calls or home visits, he stated that then this will be handled in court. I asked him to clarify if he was threatening me with a lawsuit and he said no I am just letting you know what your options are before we sue you. I provided him my attorney name and phone number and ask him to not call me again. Subsequently he proceeded to contact my employer line and gave a false name to the reception area to be transferred to my voicemail. He stated his name was XXXX XXXX when it was actually XXXX saying that he wrote the attorney number incorrectly and wanted to " give me the opportunity '' to provide the correct attorney name " otherwise '' he wishes me the best of luck in the courts. I asked the front desk to document this false name and I also saved the message. This is a clear violation of UDAAP. This was uncomfortable and very threatening.
Product: Debt collection

DISCOVER Dropped case against me. 

Discover non-suited ; therefore, case has been dismissed against me. 
please remove from creit report, this is hurting my FICO score. -- please immediately remove. 

Thank you XXXX XXXX XXXX
Product: Mortgage

I have paid my mortgage payment on time for the last 3 years. I filed bankruptcy in 2014 but again ; still maintained my mortgage. The mortgage company has apparently lost 2 of my payments in the transition of selling my loan and i have sent copies of the cashed payments several times ( 7 ) but they have to be located and applied to my account. I have called the Mortgage company at least 3 times a month trying to rectify this situation but to no avail. They have now reported me to the credit bureau as missing a payment in which i have not. I am at a loss as what to do. I have asked for a copy of my applied payments for the last 2 years and was advised that I would have to pay {$10.00} to obtain this information. My phone calls do not rectify the situation and i continuously receive letters threatening foreclosure. This is Not fair. I advised them that i was going to file a complaint ; it was as if they did not care and were not concerned. I am in need of your assistance. I am sure they and other mortgage companies have done this to others and I need it to stop. Please assist me in doing that.
Product: Bank account or service

XXXX/XXXX/2015 - account balance - $ XXXX/XXXX/2015 - NSF Fee ( {$37.00} ) -- why? unknownXXXX/XXXX/2015 - spoke with CSR who told me that the computer system on XXXX had my balance as - $ XXXXXXXXwhy my online view is different than the CSR online view -- unknown and not goodXXXX/XXXX/2015 - balance had not gone negative and yet NSF Fee ( {$37.00} ) -- why? unknownit would appear that they are keeping XXXX different sets of " books '' for posted transactions -- XXXX that I have online access to view and another XXXX that the NSF Fee goes byit is quite impossible for me to ever possibly prevent NSF Fees if I do not what is truly going on with my account and its balanceit seems to me that this amounts to a lie and probably fraudulent activity
Product: Debt collection

Sent validation letters and cease and desist letter company is non compliant after thirty business days.
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. The Protecting Veterans Credit Act of 2017, which was passed by Congress in 2018, requires credit reporting agencies to remove information about veterans ' credit reports that relates to debts or collections I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 
The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XXXX/XXXX/XXXX at XXXX p.m. central standard time, I called Equifax at XXXX XXXX the number on their website XXXX to request a credit freeze. The lady that answered gave me another phone number to call ( XXXX ). She had said she could not help me, and that this new number was customer service dedicated to credit freezes. When I called this second number, it was nothing but a recording trying to sell services such as cable t.v., internet, etc. 

At XXXX p.m. central standard time, I called the original number again ( XXXX ). I told the gentleman that answered the phone what had happened, and asked if he could help me. He proceeded to read directly from the web page about what my options were. I told him that I had already read and been through those options, and that now I wanted to freeze my account. He ignored me several times as I was telling him that I had already been through those options, and he kept on reading as if I was not saying anything. He ended the call with a scripted line saying, " ok, you do n't have any questions, thank you. ''
Product: Checking or savings account

Truist Bank I opened a checking account with Truist on XX/XX/year>. However, on XX/XX/year>, I received a letter informing me that they were closing my account due to what they deemed as unusual activities, though I'm perplexed as all my transactions were legitimate. Despite my attempts to resolve the matter over the phone, Truist insisted that the only recourse was to visit a branch. Unfortunately, the nearest branch is a XXXX XXXX away, making it impractical for me to retrieve my funds in person. Consequently, I am requesting a check to be sent to my registered address, but this option was not made available to me. Thus, I am submitting this claim in the hopes of finding a resolution to this issue.
Product: Checking or savings account

I have an account with regions bank. 
I have a XXXX bonus check in the amount of XXXX. 
i called and asked customer service friday the XXXX of XXXX when the funds would be available. The customer service rep informed me that the funds would be available the next day the XXXX. the money was not there the next day. as a matter of fact they put a hold on the check until the day before XXXX XXXX  the XXXX. i called and spoke with customer service and they basically said they couldnt help. 
sorry you were miss informed. i want them to pay damages i asked them to cancel the deposit- they said no i asked them if i could bring the check to a branch and redo the deposit ther- they said no they we completely unwilling to help. and now my family is having to pay for it. 


this is the money that i need to pay for presents for my kids for XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX BANK OF THE WEST CHECKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Re : Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my credit report was not validated in time in 45 days & multiple disputes letters sent over 6 months. information in inaccurate on my credit report. Fair reporting Act was violated.
Product: Mortgage

We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated.