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

Extremely Urgent!!!! Recently Mutual of Omaha Bank was bought by CIT Bank. We are a management company and had many ( 40 plus ) bank accounts that CIT took over as part of the purchase of XXXX XXXX. At first we did not see an issue with this for our clients and were more than happy to allow CIT to take over the banking relationship. However, things did not and have not gone well. They have messed up more times than i can count, have cost our clients money by not handling CD 's and other money market accounts such as ICS accounts, and most importantly they have cost my company a ton of money, time, resources and stress. When they cause an issue and we bring it to their attention they do not respond. My accounting staff and myself have reached out to them multiple times in good faith to encourage a response and that they would step up and work with us. Recently they invested a clients money into a multi tiered CD program through CDARS without their proper approval and now have locked up their funds that they will need liquid for several large expenses coming up. We are talking about millions of dollars that they have locked up. We engaged them many times to work with them in trying to either reserve this error and find out another way to resolve their liquid money issue. But once again, they choose not to respond or work with us to resolve this issue. Despite multiple attempts. All our clients are extremely upset and frustrated with CIT bank and have now asked us to move their funds to a new bank. I am extremely worried that they will not act in good faith as they have shown me that they do not care about their clients. I am worried that they will either just close the accounts and not work with us in a professional manner and within a reasonable time frame to open new accounts at another banking institution. Leaving all our clients is an awful position as they will not be able to accept payments from owners for their HOA 's dues and will be unable to pay their vendors. Thus casing major chaos! Our clients are non-profit organizations that are ran by owner volunteers and do not deserve to be treated this way or placed in this position by CIT bank. Without your help i do not know how this might play out since they have choose to ignore us and have been unwilling to resolve our many issues. And now that we are closing the accounts with them and moving all our clients funds, we are now have even more banking issues. Based on my experience with CIT, they have no business on the HOA/Community banking industry. Thank you for your help in resolving our serious issues, and to help ensure we are able to take care of our clients funds in the proper and professional manner!
Product: Mortgage

XX/XX/XXXX, XXXX Reached out to Bank of America because the XXXX XXXX that they provided was incorrect ( attached ). The analysis clearly shows that Bank of America included the XXXX XXXX of {$1400.00} twice ( XX/XX/year> and XX/XX/year> ) - this miscalculation resulted in a deficit in my escrow account, so Bank of America increased my mortgage amount from {$1200.00} to {$1300.00} a month. Customer Service adviced that they would sent the analysis to be reevaluated. 

XX/XX/year> - called back into Customer Services to check the status of the analysis and was told that they had sent me a letter ( which I never received ) that the analysis was correct. At this time I asked to speak to a Supervisor. I asked to " walk through '' the analysis with me so that she could understand the issue ( after repeatedly trying to convince me that the analysis was correct ). Finally, after over an hour on the phone- she got it - and " saw '' the issue. She said that apparently it was a " computer issue '' - specifically related to the " Expected payment not yet received '' - documented in the analysis on XX/XX/year> - note that this payment was made on XX/XX/year>. 

XX/XX/year> - reached back out to Customer Services and they could not give me a status update and said the analysis was correct. Meanwhile, I'm having to pay the additional mortgage amount. 

It is totally unacceptable that a financial institution can not do the math. It is totally unacceptable that a reasonable request to reevaluate meets with such resistance.I just wonder how many people are taken advantage of in this way. And why is there no audit of these practices? 

I would appreciate any assistance with getting this resolved. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNT IS NOT MINE AND THESE INQUIRIES I DONT AUTHORIZE. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion Consumer Solutions, I am writing to dispute several inaccuracies on my credit report. The following accounts contain incomplete and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). Therefore, I am requesting the immediate removal of these accounts from my credit report. 

Below are the details of the disputed items : XXXX. Account Name : XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX Account Number : XXXX Dispute Reason : This account is inaccurately reported as being in collection status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Dispute Reason : This account is incorrectly reported as being in closed status. The information is incomplete and inaccurate. 
Requested Action : Please remove this account from my credit report immediately. 

The information reported is in violation of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. In cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the Supreme Court underscored the importance of accurate reporting. Additionally, in XXXX v. TransUnion LLC ( XXXX XXXX XXXX XXXX, XXXX ), TransUnion was held liable for failing to ensure accurate information on consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to report that an account that was paid was a " Collection. '' The " account type '' is being reported as a " Collection Account. '' There is no terms, past due amount balance or original balance to negate this dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially I was able to check my credit report per once a day as described on their website, but because I have been disputing the accuracy of my credit reports, I believe they have shut me out from accessing it online because of this. They say that it is because items are in dispute, but items have been in dispute since XXXX and I was able tp access my reports for the last four months. I have not been able to access my credit report since late XXXX XXXX. I have had to use other credit monitoring reports to access my report with TransUnion.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loans used to be handled by a lending company called Nelnet but after XXXX XXXX XXXX XXXX XXXX XXXX and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because Nelnet is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like Nelnet to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 

And according to the fair credit reporting act : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

On my credit report, it is stating that LVNV Funding LLC as a collection. I attest that this information is false. Please remove immediately : LVNV Funding LLC - {$2700.00} and LVNV Funding - {$5100.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items from my account. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly. 

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future. 

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Customer paid me for services rendered with a counter check. Wells Fargo placed the check on hold because it couldnt supposedly verify the account. I checked with customer the next day and he showed me a screen shot of the check clearing his bank. Wells Fargo will still not release the funds into my account after the check had cleared. I called Wells Fargo and they refuse to take the hold off my deposit. I was furious! The check has cleared my customers account and I want my money that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX is still showing on my credit report as delinquent although it was paid in full in XXXX of 2019. I submitted a dispute via equifax and it still has not been updated over a month later. I paid {$350.00} on XX/XX/2019. This information is affecting my ability to purchase a home and open a line of credit. The collections account # is XXXX the customer # is XXXX. The representative that took payment was XXXX XXXX and I called verified this information with XXXX at extension XXXX. This exact amount was deducted from my bank account. Lastly all of the previously delinquent accounts on my report have been paid in full. Both XXXX  and XXXX   have updated and removed my old delinquencies ( except the balance of XXXX ) and notated it as paid in full and or deleted.
Product: Bank account or service

On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.
Product: Debt collection

RSH & Associates and I had an agreement to take out {$53.00} out of account every other week for my debt for 10 months, this went fine for 1 month and then they took the amount out back to back weeks and my husband called them on this and they refunded the money, and then he left a message which mentioned that they had broke the terms of the verbal agreement and that they would no further take any money until further discussion was made. Monday morning XX/XX/2018 we received a phone call about XXXX and my husband began to speak and ask who was calling and the individual did not give who he was or who he was from as is required by law until my husband asked and then he gave the info who he was and who he was from. My husband asked : why they had broke the terms of the verbal agreement and why they had not sent something as the law requires, and XXXX got extremely XXXX and said : " what law is that, what law is that XXXX. XXXX '' ... .to which my husband replied : a written notice of debts, XXXX said : we sent one in XXXX, my husband replied : we never received it, to which XXXX said : we have confirmation that you received it, my husband : well unless you sent someone out and put it in our mailbox you don't have confirmation, mail get 's lost and it was never received here, XXXX said : well you're local so were sure you received it. The conversation went on about it ever being received and then went to XXXX saying : well the payments have been cancelled per your husbands request and there is a balance due of {$970.00} and we want payment in full or we will turn this over to credit bureau and to the owner of the debt, he stated this twice while my husband tried to explain to him that we would like to keep the payment arrangements but want to make sure that when the verbal agreement is made that they do not continue to take it out when it shouldn't be to which XXXX said : we will sure try not to, my husband then ended talking with him when he said to XXXX : the one thing I have not heard this whole time is an apology for breaking the verbal agreement to which XXXX said : on behalf of rsh I would like to apologize. I XXXX then took over and wanted to make sure that we could continue to make payments and XXXX wanted to know why it would take 10 months to complete amnd wanted to know where I and my husband worked, my husband refused to tell him and he XXXX began to raise his voice as he had many times throughout the conversation and told my husband well we need to know why it's going to take so long, I XXXX took back over and made payments arrangements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX/XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX # XXXX, 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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/2025 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Removal of Adverse Credit Information Due to XXXX XXXX XXXX File No. XXXX I am writing to formally request the removal of adverse credit information from my consumer report under the Debt Bondage Repair Act and relevant consumer protection laws. I am a survivor of human trafficking, and I attest that the negative credit items listed below were a result. 

The following accounts or items on my consumer report are listed below : XXXX # 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 This letter serves as my self-attestation, as allowed under federal law, affirming my status as a survivor and the connection between my XXXX  experience and the adverse credit entries. 

I have included XXXX  victim determination documentation, proof of identity and a utility bill. Please expedite this matter and notify me promptly in writing upon removal of all listed accounts and negative information. Please ensure that my personal identifying information is protected and disclosed to any third parties without my explicit consent. 

Thank you for your assistance with this matter. 

XXXX XXXX XXXX XXXX : XXXX