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

On XX/XX/year> my Bank of America account was hacked and the hacker tried to send a debut card to their address. Once I found out I immediately closed down that account, opened a new account with increased security and new username and passwords, and I transfered half my money to my Merrill XXXX XXXX account. After my Bank of America account was secured, on XX/XX/XXXX I called XXXX XXXX to withdraw my money, but I was told my account was " blocked '' and I had to wait for the " outbound team '' to call me. On XX/XX/XXXX they never called when they said they would. I called and requested the reason for the denial of funds as required by Electronic Funds Transfer Act but they failed to provide that information. I noticed others had made this same complaint on the CFPB website so I decided to file my complaint. When I went into Bank of America on XX/XX/XXXX, I was told this issue would have to be resolved with XXXX XXXX, but whenever you call XXXX XXXX they tell you that the account is being investigated and you have to wait for the outbound team to call you, but they won't give you a date when you will have access to your funds. I feel as if XXXX XXXX took my money and will not give me access even though I was a victim of a criminal trying to do the same thing. As of today, XX/XX/XXXX, I have still not been given access to my money despite requesting it for 4 days now. I just want access to the money that I moved into my XXXX XXXX account because I thought I was protecting my money, but I didn't know that XXXX XXXX would deny my ability to withdrawal or transfer funds. I verified my identity many times in person in Bank of America, and since Bank of America is the only reason I opened the XXXX XXXX  account and their accounts are tied together, I feel they both need to respond to denying me access to transferring my money or withdrawal. I hope the CFPB helps me get my money back from XXXX XXXX. Just because I'm a victim of a crime does not mean I should be denied banking services.
Product: Payday loan, title loan, or personal loan

Obtained 1 year interest free loan. The interest free period allegedly expired on XX/XX/XXXX the last day of my billing cycle ( XX/XX/XXXX through XXXX ) and my payment is not due until XX/XX/XXXX. I called Wells Fargo in an effort to remedy the situation, ask for the interest to be removed, and advised that I could pay the remaining balance due on the loan so that I could close out the account. I was advised since the interest free loan cycle allegedly expired on XX/XX/XXXX ( the last day of my billing cycle ) all they could do was offer a reduction in the interest amount by about {$200.00} - whereas the full amount of interested charged was {$890.00}.
Product: Debt collection

CCS, Is reporting a collection account for {$180.00} on my credit report. I DO NOT owe this debt. I've reached out to this company for VERIFICATION of this debt. Only to receive a bill and that is NOT proper VERIFICATION of a debt. They have failed to provide me with necessary documents that will prove this account or debt belongs to me. I never sign a contract with them. I never given them any permission to CALL my phone MULTIPLE times day and night. Leaving me no chose but dispute this unverifiable debt. I also reached out to XXXX, asking for a VALIDATION, only to receive a response that it VERIFIED. Which they NEVER verified it. 

Also this collection account # XXXX reporting PAST DUE, which a VIOLATION of the FCRA.
Product: Debt collection

I was XXXX at XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I have a XXXX XXXX that was further compromised by XXXX which severely limited my cognitive functioning. Due to the impact this had on my XXXX I was not able to sign or make financial decisions independently. The school recommended I fill out loan applications with their " trusted providers '', one of them being XXXX XXXX XXXX which filed for Bankruptcy XX/XX/XXXX and no longer exists. I never received any documents that informed me 1 ) that the loan was approved and 2 ) a check or wire transfer for the funds/loan they are now collecting on. 
I became aware of the possible discrepancy after being denied for a mortgage, and requesting copies of my student loans applied towards my XXXX tuition from the school financial services office. The ACS private loan did not appear and I can confirm that a check was never received or deposited to any account of mine. 
ACS claims they will try to research the issue, sending me a copy of the promissory note and a copy of the disbursed check that will tell me how the funds were delivered and to whom. Since I have XXXX % proof that I never received or signed for a deposited loan, I am requesting that ACS discontinue their credit reporting until they can provide the necessary financial documents that prove this loan is mine and the funds were deposited into a bank account by me. 
ACS claims that their process takes " 30-45 '' business days and demanding I continue making payments while I attempt to validate this loan. I demand they put a HOLD on my account until the proof is provided. 
The loan is currently a {$40000.00} debt which my father has paid in error for the last few years, believing it was something I may have taken out myself. Due to the seriousness of this issue and possibility of fraud implied, I demand that ACS expedite their standard process for recovering the requested data and cease all credit reporting activities until then.
Product: Credit card

There was a Neiman Marcus Capital One credit card that was attempted to be opened under my name and identity. I got a notification that there was an inquiry / hard pull of my credit information from XXXX. I have no association with this action and never applied for a Neiman Marcus credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of my last complaint XXXX in which my problem was never resolved and Transunion, On XX/XX/XXXX transunion sent me another letter without giving any information or doing a true investigation. They are refusing to do an investigation at this point and I want the Bankruptcy deleted for failure to preform a proper investigation and provide information about the Bankruptcy on my credit report. Below is the details of my process and also the documents I sent as well as their responses. 
On XX/XX/XXXX I sent a letter to Transunion asking for what method they used to retrieve information pertaining to a bankruptcy on my credit report. I told them I wasn't disputing it but just wanted the method they used to verify such information. On XX/XX/XXXX they only sent me a copy of report and not the information that I was asking for. On XX/XX/XXXX I followed up with them to see who they verified the bankruptcy through. I went to the court house and they gave me a letter stating that they dont provide any information to the credit Bureaus. On XX/XX/XXXX they sent a response with dispute results stating verified, but still never sent what I was originally asking for. I wanted to know who they verified the bankruptcy through. On XX/XX/XXXX I responded stating that their process could not be valid because they did not verify the information and identify how they got their information. Transunion never sent me any proof of an actual investigation and that I could report them if the bankruptcy is not deleted off of my report immediately. I also sent them a copy of the letter I received from the court stating that they dont communicate with credit bureaus. On XX/XX/XXXX Transunion responded saying that they completed a previous investigation and will not do anything else without new information. On XX/XX/XXXX I sent the letter from the court house again and told them their process was not valid and that they never sent me proof of an actual investigation. On XX/XX/XXXX Transunion responded again with the same letter saying that they previously completed an investigation and without new information they will not change anything. I sent information from the court house and they failed to complete a thorough investigation and provide me with the information I was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt. # 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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 an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number 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 an account without my written instructions. 
XXXX XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX. {$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay.

Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts 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
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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: Mortgage

I am selling my coop at XXXX XXXX XXXX XXXX, XXXX. The buyers have already been approved and all parties are ready to go to the closing table with the exception of my bank who holds the coop 's mortgage, Mr. Cooper ( formerly Nationstar ). In mid-XX/XX/XXXX my lawyer, XXXX XXXX, informed Mr. Cooper that the coop 's stock certificate would need to be presented at the closing. Mr. Cooper took absolutely no action for nine ( 9 ) weeks. After additional prodding from my lawyer, they handed the issue to their lawyers, XXXX XXXX XXXX XXXX XXXX XXXX. 

The law firm told my lawyer they would have the document available and ready for closing in 4 to 6 weeks. Six ( 6 ) weeks has now passed and they still have no document to produce at closing. Closing is ready to go but can not proceed without this document. The coop is costing me a significant amount of money each week it sits empty. The buyers are anxious to occupy the coop to set it up prior to the birth of their child. Everything is being held up because Mr. Cooper can not produce the stock certificate. 

It has now been a total fifteen ( 15 ) weeks that Mr. Cooper or their lawyers have failed to produce the required document. 

I have attached a letter my attorney sent to XXXX XXXX ... on X/XX/18 that summarizes the situation. I have also attached a copy of a recent mortgage statement showing the mortgage account number, etc.
Product: Student loan

I signed up for loan forgiveness with Equitable Acceptance. Upon further research I found out from my lender Equitable Acceptance can not forgive my loans and is in no way providing any loan/debt relief help. I was further informed that no such company exists that can offer loan forgiveness and I need to take action to cease communication with these scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX-XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$11.00} XXXX SXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the elimination of several unauthorized credit inquiries, I have already sent a request to EQUIFAX so that they please and in good faith eliminate those Hard Inquiries that are fraudulent and a violation of my rights, and have not proceeded to the elimination, for I come to you with the assurance that you will help me and that is affecting my being able to buy my house. 
1.XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX, XXXX XXXX XXXX XXXX  3XXXX XXXX, XXXX XXXX XXXX XXXX 4.XXXX XXXX, XXXX XXXXXXXX XXXX 5.XXXX XXXX, XXXX XXXX 6.XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX 7.XXXX XXXX, XXXX XXXX XXXX XXXX 8.XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Debt collection

The hospital had given my bill to the debt collectors who for 6 years have been sending it to the wrong address. I only found out recently about this debt when i saw it on my credit report, which it had affected very negatively. I have called the creditor collectors and told them that I never recieved a letter from them all these years if they can remove my debt from my credit report so they can give me a fair chance. They refused and demanded I paid in full in exchange for removal from credit report. This is not fair. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX separate rounds of letters asking the bureau to verify my complaints and verify and show proof of my signature of the credit card and they have yet to provide me with any proof making these unverified accounts that are hurting my credit score to buy a home for my self and my child as a XXXX father this negative reporting is holding our house hold back. Please see attached document with certified mail receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

XX/XX/2020 RE : Returned Items ( 10 ) masks to XXXX for late shipment Pursuant to my phone conversation with a CS agent at the merchant XXXX, They lied and were unable to locate my order and it arrived nearly 3 months late. I have disputed this with my Chase business card bank and they told me to return the masks back even though 1. The XXXX website states they don't accept returns, 2. I had to pay shipping both ways for a mistake they made. 

I originally purchased this order in XXXX and it was promised to be delivered via XXXX XXXX within 5 business days. I paid an extra charge of {$11.00} for this expedited service. 

When it did not arrive within the promised date, I contacted customer support via messaging system and spoke to XXXX ( At XXXX ) He again lied, and said it will arrive by XXXX  XXXX soon ... my first order arrived in XXXX and the second almost the end of XXXX. Not by XXXX XXXX  but by USPS ... This is totally unacceptable!

On their site they state returns are not accepted so I did not return it right away even though I had already made alternative plans ( purchasing masks from another vendor ) so I did not return ... but after speaking with a Chase CS rep, they had instructed me to return these masks. 
Today, I have put them into a poly mailer envelope and stuck 5 dollars worth of stamps on it to be returned to their address on file on their " About Us '' link at XXXX XXXX XXXX XXXX XXXX NY XXXX. I have asked Chase to Please remove my charge of {$72.00} permanently. The company XXXX is a scam. I no longer have any use for their fake masks! My Chase Bank is J.P Chase Morgan : XXXX XXXX XXXX XXXX DE XXXX and my account that was charged ends in XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have several items appearing on my credit report that are not mine and are the result of identity theft. The alleged debts are not mine. I am attaching a duly executed identity theft report/notice filed with the FTC. I am requesting XXXX Equifax and XXXX remove these items from my report. I have previously tried and they did not remove them.
Product: Credit reporting or other personal consumer reports

I filed a complaint with a copy of a law enforcement report in XXXX, 2024, with all three credit bureaus. XXXX XXXX ) months later, they had cleared 3 of the 4 fraudulent accounts as being fraudulent. They were XXXX, XXXX  and XXXX. Only XXXX 's was finally shown as completed just last week. The reason stated was " written off as a bad debt. '' THIS IS WRONG!!! It is, and was, a fraudulent account established in my name without my permission. The Transunion report is WRONG, still adverserly affecting my credit score. I'm sick and tired of dealing with such an untrustworthy and extremely slow acting credit bureau who barely corresponds in a way I can understand it and if they were in a race with a snail, the snail would win. Horrible and inaccurate service and result. Correct the XXXX 's as " FRAUDULENT '' and NOT 'written off as a bad debt ''. If this is not corrected within ten days of this report, my next correspondence witll be directly to the FTC and from my attorney. ENOUGH IS ENOUGH!!!!!!!