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

On Friday, XX/XX/XXXX, I went into my local Bank of America branch and withdrew {$8000.00} in cash from my checking account. I was trying to send money to my husband in Oklahoma via XXXX. I had problems sending the money, so I decided to go back to my bank to deposit the funds back into my account. 

On Friday, XX/XX/XXXX at approximately XXXX CST, I drove up to the ATM at my local branch ( ATM No. XXXX ) and attempted to deposit a portion of the {$8000.00} back into my bank account ( I attempted to deposit {$7900.00} ). The ATM took the money, jammed up, and printed out a receipt ( attached to this complaint ) stating that the ATM is unable to process my request and can not return my funds. The receipt instructed me to call the Bank of America claims department, which I did immediately. 

I was connected to a representative who informed me that he would be filing a claim for me and that I should have temporary funds ( amount not disclosed ) available in my account within two business days ( estimated by Tuesday ). I was extremely distraught as I run a business and {$8000.00} is a large sum of money to a layperson such as myself. 

On Monday, XX/XX/XXXX, at approximately XXXX CST, I contacted Bank of America 's Claims Center to speak to a representative about the status of my claim. 

On Monday, XX/XX/XXXX, at approximately XXXX CST, I received a call back from Bank of America and spoke with a representative who informed me that the investigation process could take up to 45 days. She noted that she saw that an escalation note was made on this claim and that the Claims Department would have two business days to review the claim, but that the previous representative 's statement about me receiving temporary funds until the investigation is resolved was false. I told her that I am extremely concerned as {$8000.00} is a lot of money and I need it, or at least some of the funds, immediately in order to proceed with my daily business activities. She informed me that there is nothing she could do and that I would have to wait for the claims department to review the claim. 

On Wednesday, XX/XX/XXXX, at approximately XXXX CST, I attempted to contact Bank of America as the two business day timeline for the claim review had passed. I waited on hold for almost an hour even though the automated operator initially stated that the wait time to speak to a representative would be between 3-5 minutes. 

As of right now, I have not been able to get ahold of a Bank of America representative in order to discuss my claim. On Friday, I had {$8000.00} in cash on hand, and now Bank of America has taken my funds and I have nothing, so my bank account is incurring overdraft fees, I am unable to pay bills and meet financial obligations, and I am uneasy as to when I will get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I request proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. I need the following inquiries deleted as soon as possible : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the 2015 OPM data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XX/XX/XXXX
Product: Credit card

This company has not resolved the issue I was a victim of identity theft. This person ran up my card to almost XXXX. I have been dealing with this since XX/XX/year> this company has not provided any resolution to this issue! They have decreased my credit limit because my credit took a hit because of this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018
Product: Credit card

Paid Purchase Balance in full XX/XX/XXXX. 
Attempted to have interest and fees removed and close account XX/XX/XXXX. Fees were removed. 
Interest and fees reapplied XX/XX/XXXX. 
Attempted to obtain clarification, to have interest and fees removed, and close account XX/XX/XXXX. XXXX, XXXX XXXXComenity Bank representative that fees would be removed and account would be closed. 
Received a bill with an additional {$30.00} late fee applied XX/XX/XXXX.
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 Proctection 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

I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!
Product: Mortgage

In XXXX of 2013 I sent {$1000.00} additional mortgage payment to Wells Fargo to be applied to the principal of my loan. Wells Fargo received my {$1000.00} and my regular scheduled payment for the month and split it into smaller payments and deducted interest from the money in question. I have on occasion attempted to get them to correct this and have been given a bunch of smoke and screens. I even went into a local branch trying to get this issue resolved. Recently I received a letter stating they were " researching it ''. I went online attempting to find an address for the person who signed the letter and found instead that others had posted the exact same letter that I have, signed by the exact same person and complaining that XXXX XXXX does n't exist as far as it relates to getting their issue with Wells Fargo resolved. It was that website that directed my to you. PLEASE. HEEELPPP!!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

I wasnt able to freeze and unfreeze my TransUnion credit report in a timely manner. The first situation it took me almost a month to unfreeze my report. I wasnt able to apply for anything with this bureau because it was still placed on freeze. When the credit bureau finally unfreeze my report I wasnt able to freeze it back. I tried almost 1 month later and freeze it back finally and just last month I wasnt able to unfreeze it again. Its been very inconvenient and I shouldnt have to go through this with this being my personal consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Equifax Credit Bureau that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Equifax Credit Bureau do not comply with the requests, it leaves me no choice but to pursue legal action. I need the listed account deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX Balance : {$730.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is regarding Credit Reporting - Not Being Updated and Reported to All Credit Bureaus Correctly Everyone I speak with at this company is dismissive and does not care about resolving issues. 
I have had ongoing issues with the company. Due to this, I was finally escalated to The Office of The President on XX/XX/XXXX and I spoke with XXXX XXXX/Escalations Department. He attempted to assist me regarding the issue with my XXXX that was taken from my bank account but not added to my Investment Account and my account not being reported to XXXX. 

As of XX/XX/XXXX, Money Lion reported my Plus Loan with the incorrect balance only to XXXX and XXXX. Money Lion advertises that they report to all three credit bureaus but are not reporting my account with all three credit bureaus. 
There has also been no update to my XXXX and XXXX listings since XX/XX/XXXX over 30 days. Per the FCRA, the company is obligated to report accurate information to the credit bureaus. I also had an issue with my money that was taken from my bank account not being added to the Investment Account and unaccounted for. The {$50.00} was taken from my bank account on XX/XX/XXXX on time successfully. However, it wasn't added to the investment account until XX/XX/XXXX manually per XXXX. 

In my conversation with XXXX, he advised me that there is one man responsible for credit reporting and he sent him a message during our call and said that he will call the person directly and call me back. 
He called me back about an hour later an advised that the guy alleged that he sent an update with the correct balance reflecting my two payments to all three credit bureaus on XX/XX/XXXX. 

However, as of today 's date, XX/XX/XXXX, there still has not been an update to the money lion accounts since XX/XX/XXXX for XXXX and XXXX. There is no money lion account currently reporting to XXXX. I have spoken with XXXX and they advised that they report what they receive and the account isn't on the report because it has not been reported. Also, you can not dispute an account that does not exist. This company keeps trying to blame the credit bureaus for issues that they are responsible for. The credit bureau only reports what creditors send to them. 

On XX/XX/XXXX, I called back and attempted to reach back XXXX as he advised that I could call and ask for him directly. I was advised that he no longer works with the company. I previously emailed him and received no response. I was refused escalation of my issue when I requested to speak back to the department who was assisting me and hung up on. I don't know if XXXX is no longer with the company but he is the only one outside of XXXX that I have spoken with who has ever tried to resolve my issues. My credit reporting needs to be corrected by money lion immediately as it is overdue.
Product: Credit reporting

I have shown proof to EquiFax and XXXX about my XXXX XXXX account that this collections account is not my responsibility. That aside, I disputed the XXXX XXXX account 2 years ago with EquiFax and after 30 days it was never removed and it has sat in " dispute '' for 2 years even though it was suppose to be removed after 30-45 days without proof from collector. I called EquiFax and told them it needed to be removed because it had been in dispute for 2 years. The woman at EquiFax said it was n't in dispute and it was just a comment on the account. I told her this " comment '' is keeping me from getting a mortgage loan. She said she would remove it. After removing this " comment '' my credit score dropped XXXX points. This proves that this account HAS been sitting in Dispute for 2 years or more and should be removed. Once the comment was removed it went back in collections and dropped my score tremendously! EquiFax is n't following the rules of disputes and it is effecting my credit score. I have contacted EquiFax by mail and by phone and have n't gotten anywhere with them. They claim that they ca n't do anything which makes no sense. They have a dispute department and the guidelines state that when an account is disputed the collector has 30 days to respond and if they do n't then the item is removed. This account sat in Dispute for 2 YEARS!!! It was never removed and now it has dropped my score XXXX points when they removed the dispute. I also have a student loan on my EquiFax report that is not my debt. I have never had a student loan and it was disputed the same time the XXXX wireless was disputed and it has sat in dispute for 2 years or more as well and should have been removed at this point. This account was never late and was paid off. So even though it is n't a negative account, it is n't mine. It needs to be removed. This student loan is STILL sitting in dispute at this time.
Product: Checking or savings account

After reviewing my Chexsystems accounts I noticed accounts that were not familiar to me. I sent a validation letter to Chexsystems and have yet to receive any information that justifies the reporting of the account on my Chexsystems report. Please find a list of accounts below. 

XXXX  XXXX XXXX Account : XXXX / XXXX
Product: Debt collection

had a bill with hospital which was paid in full somehow ability recovery services llc are trying to get me to pay again
Product: Debt collection

To whom it may concern, I spoke to a rep at your office this morning ( XXXX XXXX ). He was unwilling to work with me on my debt even after I offered to make payments on my account. He told me if I did n't pay off the account within XXXX days he would report it on my credit bureau. I explained my personal situation to him and he was unphased by it. it was the bottom line or nothing. In my research online I read that many collections agencies by debt for pennies on the dollar and have the ability to work with people to come to an arrangement to benefit all. This person was unwilling to do so. I have filed a complaint with the FTC and CFPB. There has to be someone out there to protect consumers from this type of bullying. I can argue all day long how the medical group handled this situation and how I even got to collections in the first place but that is neither here nor there. I do question the validity of this debt and claim. I am XXXX positive and this is very stressful. I live day to day and try to make ends meet. Consider this my notification to your office. 



XXXX
Product: Debt collection

On XX/XX/XXXX, One Main Financial ( " OMF '' ) employee XXXX sent me 4 text messages from their number XXXX, regarding our ( my wife, XXXX XXXX and I, XXXX XXXX ) payment due on XX/XX/XXXX, which is scheduled to be paid on XXXX. XXXX failed to disclose that " such communication was an attempt to collect a debt, and any information would be used for that purpose. '' I responded on XX/XX/XXXX, informing them that failure to provide this regulatory disclosure was a violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I also informed them I would be filing a formal complaint with the FTC and the CFPB. 

They then tried to call me on my work number ( ending in XXXX ) when they have never been provided consent to call me at that number and I am unable to receive personal calls there. 

Since then, another OMF employee, XXXX, texted XXXX XXXX twice on XX/XX/XXXX and XXXX, to collect this debt but didn't provide the required disclosures.
Product: Credit reporting or other personal consumer reports

My account is current. They reported that I was 30 days late for XXXX, XXXX, XXXX and XX/XX/2024. But their XXXX reporting isnt sent out till XXXX and my payment are current. This is an error needs to be fixed. My account should show it should never have shown 30 days late.
Product: Money transfer, virtual currency, or money service

I am a struggling XX/XX/XXXXlike so many are. 

I have been using my own personal credit cards to inject money to my business. 

I have since been told that's not ok. 

Fine but see the attached email to see what they asked for all things that if nothing else I would not give them anyway. They are asking for a customers personal information and my banking statements? Is that even legal? 

But here is the real problem they have held every deposit I should have received and I can't communicate with the risk department directly I have email them 5 times no response When I call the company they transfer you to a dead line to leave a voicemail I apparently have done something wrong ok I get it but they should release the money I have earned They cancelled the XXXX dollar charge but they have not given me any deposits this week. But they are withdrawing money every day for fees Please please please please help me.
Product: Credit reporting or other personal consumer reports

My account with ACHIEVE PERSONAL LOANS was never late! I have had exceptional payment history with ACHIEVE PERSONAL LOANS and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ACHIEVE PERSONAL LOANS Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for the longest with XXXX, XXXX and Experian. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX  on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and XXXX XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX while EXXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.