23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a BanK of America credit card earlier this year and I travelled XXXX  to engage in my normal lime of work as a XXXX  XXXX with a XXXX XXXX. During the travels, I used the Bank of America credit card several times, after which the card was frozen. 

I called Bank of America several times to get the freeze lifted which they could not do. Eventually the card was closed. 

Not wanting to damage my credit ( yet locked out of my account ) I paid the remaining balance of {$1300.00} on XX/XX/XXXX, and hoped all would be well. And it was, until Bank of America 's autopay also withdrew the very same final balance amount of {$1300.00} on XX/XX/XXXX from my checking account. 

Thus, my account was overpaid by {$1300.00}. 

On XX/XX/XXXX I was back in the North Carolina area and I visited a bank branch to verify my identity and sort out this situation. The manager promised that my {$1300.00} would be returned within 10-14 days.

That did not happen, and since then I have been calling Bank of America representatives weekly to try to troubleshoot the situation. Some say I should just be patient. Others say there is still a fraud alert on my ( closed ) account and perhaps that is why the cash is not being returned. 

Every company representative I call - about 10 so far - has promised to help and vows to get the money returned to me in 10-14 days. Yet nearly 2 months later I am unable to find anybody capable enough of resolving this situation.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court. 

INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I HAVE ASKED FOR PROOF OF DEBT, THEY CAN NOT PROVIDE ANY INFO THEY JUST WANT ME TO PAY AND THIS IS ON MY CREDIT REPORT AS NEGATIVE. IF THEY CAN NOT PROVIDE PROOF OF DEBT THEY NEED TO CORRECT MY CREDIT REPORT. WHY SHOULD I PAY IF THIS IS NOT MINE? THEY CAN NOT PROVE THIS IS MINE OR THEY SHOULD OF SENT ME THE DOCUMENTATION WHEN I REQUESTED IT ALL ALONG
Product: Student loan

I was charged twice, it is reflected on my bank statement, but the navient ledger only reflect one charge.
Product: Money transfer, virtual currency, or money service

Bank of America continues to cancel my wire transfers when I have the funds available for transfer the receiving institution verifies the funds then bank of america cancels the transaction this has happened repeadately in the past 27 days when I try to get resolution through the bank all I get is the run around from this dept to that dept all the time my money is stuck in the account and I can not access it. I can not get them to mail me a check they just tap dance around and pass me off for hours on the phone
Product: Debt collection

This date was paid in full to the General Insurance company over 5 years ago. It was never in collections and it states that it is still open. Completely false.
Product: Debt collection

After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove NCB Management. My FCRA rights have been violated and if NCB management isn't removed immediately my attorney will have to file a lawsuit in XXXX XXXX, GA. 

Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. 

NCB is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. 

XXXX shows {$7500.00}. The amount shown by NCB Management is {$7600.00}. Again this is all incorrect. NCB Management and XXXX have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. 

NCB Management doesnt have a contract for {$7500.00} yet this is the amount XXXX shows which is the original creditor. 

NCB also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. 

In addition, the first date of delinquency was XX/XX/XXXX as shown on the XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. 

NCB shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. 

I'm not asking for an investigation as it is apparent NCB Management does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
Product: Debt collection

Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX  XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at XXXX, XXXX and Transunion, I am writing to express my deep concern over XXXX, XXXX, Transunion furthermore known as " the XXXX bureaus '' failure to investigate my mailed-in disputes, resulting in a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have received a response letter from " the XXXX bureaus '' indicating that my mailed-in dispute request " does not appear to have been sent directly by [ me ] or to be authorized by [ me ], '' which is not only inaccurate but also constitutes a failure to investigate my disputes as required by the FCRA. 
Let me be clear : I have never used a credit repair company or any third party to submit disputes on my behalf. I am the sole author and sender of each dispute I submit to " the XXXX bureaus '', and I have provided notarized documentation along with identification to prove my identity. There should be no ambiguity regarding the legitimacy of my mailed-in disputes. 
According to FCRA 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their credit report, the credit reporting agency must conduct a free reinvestigation to determine whether the disputed information is inaccurate. " The XXXX bureaus '' refusal to investigate my mailed-in disputes on the grounds that they " do not appear to have been sent directly by [ me ] '' is a clear violation of this provision. 
" The XXXX bureaus '' ongoing practice of sending letters that delay the investigation process by questioning the authenticity of my disputes is unacceptable and constitutes a significant breach of my rights under the FCRA. By failing to conduct a timely and thorough investigation into my disputes, " the XXXX bureaus '' is causing unnecessary delays, which impacts my creditworthiness and financial well-being. 
I demand that " the XXXX bureaus '' promptly address this issue by : XXXX. Opening and investigating every mailed-in dispute that I submit upon receipt. 
XXXX. Stopping the practice of sending letters that question the legitimacy of my disputes without valid grounds. 
XXXX. Complying with FCRA regulations that mandate the investigation of disputes submitted by consumers. 
If " the XXXX bureaus '' fails to comply with these demands and continues to violate my rights under the FCRA, I will take further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies to enforce my rights. 
Thank you for your immediate attention to this matter. I expect a response confirming that " the XXXX bureaus '' has corrected its practices and will properly investigate my mailed-in disputes in accordance with FCRA requirements. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Upon checking my credit file Ive noticed a company named Franklin Collection Svcs Inc has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from Franklin collection Svcs to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, a heating and air conditioning company named XXXX XXXX XXXX XXXX located in XXXX, TX, refunded {$70.00} to my credit card at my request. I did not receive an invoice or any communication from XXXX XXXX regarding an amount due. On XX/XX/XXXX, eleven days later, I received collection notice for {$70.00} from Transworld Systems , Inc. 
On Monday, XX/XX/XXXX, I spoke with the accounting department of XXXX XXXX. The person I spoke with, XXXX, indicated to me that the bill was in error and erroneously stated that XXXX XXXX handles collections in-house. When I asked for a written statement showing that our account had a XXXX balance, XXXX offered to send me an email. 

I requested that I also receive a written statement that no debt is owed from Transworld Systems, since they are a separate company based in Pennsylvania. At first, XXXX claimed again that XXXX XXXX collects debt in-house, but then stated that Transworld was indeed a separate company and that contacting them would be my responsibility. I requested that XXXX XXXX reach out to Transworld and request a {$0.00} invoice for me since they were in error. I also requested to speak with a manager at that time. 

As of close of business Wednesday. XX/XX/XXXX, I have not heard from anyone or received anything from XXXX XXXX or Transworld Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights, Account name : Diversified members # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXXXXXX XXXX # XXXX, has violated my rights, Account name XXXX XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX XXXX # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights, Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX, XXXX ( Original Creditor : XXXX XXXX  ) # XXXX, has violated my rights, Account name : XXXX XXXXXXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is currently reporting a medical bill in collections that is incorrect. According to Equifax they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect XXXX   is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA 's are reporting false Public Record information in my credit profile. 

RE : XXXX XXXX XXXX CALIFORNIA Docket # XXXX XXXX XXXX XXXX CALIFORNIA Docket # XXXX After contacting the CA Bankruptcy court I was informed there were NO BK cases filed in my name. I was also informed that the " COURT '' and I Quote ... '' does NOT contact respond, or communicate with third party vendors '' This will include XXXX, XXXX  and TransUnion. Knowing this verifiable fact. I am puzzled that the CRA 's continue to " verify/ validate and account with out researching it according to the FCRA statutes. They are violating FCRA 611
Product: Checking or savings account

I opened a new checking account with Chase.

I attempted to connect my Chase account to online payment services such as Plaid, and to initiate transfers out of the account to complete payments.

My account was closed the following day. I was not provided any information about why, or given an opportunity to clarify my activity.

I requested the ability to pick up funds from a local branch, and was told this would be possible. Upon arrrival at the branch, I was told that funds had not been released and so were not available.

It has now been over four weeks since the account was closed. I have received no information about why the account was closed, when I can expect my funds to be returned, or why there is a delay in releasing these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

As a " valued customer '', I received a letter from Bank of America suggesting I switch to the Bank of Am. Unlimited Cash Rewards card. " Make the switch and get a {$200.00} cash rewards bonus after you spend at least {$1000.00} on purchases made by XX/XX/XXXX, XXXX.Your current account number and credit line will stay the same. '' I signed up for the switch on XX/XX/XXXX Confirmed on XX/XX/XXXX balance of {$1000.00} on card. 

Called and confirmed I'd met requirements for offer on XX/XX/XXXX Told just to wait for statement credit to show on account. 

Never showed XX/XX/XXXX sent feedback electronic form with copy of marketing piece noting directions and that I followed them, Bank of Am. associate told me on phone call that I'd done everything correctly. 
SUBSEQUEST FOLLOW UP CALLS : Assoc. told me I had to wait till XX/XX/XXXX to start making purchases?? Then another phone conversation told me I made my purchases too early??? 
Same account number, purchases made before XX/XX/XXXX. 
" Switching your card has never been easier '' - NOT!!!!
Product: Mortgage

On XX/XX/XXXX, I made a payment over the phone with an representative from Carrington Mortgage Services. I was later informed by mail that the payment was not processed and was rejected by my bank despite funds available in my account. On XX/XX/XXXX, I paid {$11000.00} to Carrington via western union per the instructions on a letter I received from Carrington. The total amount paid was sent in 3 subsequent payments due to a transfer limit capping at {$5000.00}. In total, I sent {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$5000.00} tracking # XXXX ( XX/XX/XXXX XXXX ) {$1900.00} tracking # XXXX ( XX/XX/XXXX XXXX ) I was sent certified mail from Carrington about my mortgage not being paid on serval occasions. I called them to inquire why my account had not been updated and was told they didnt receive one of the {$5000.00} payments. They couldnt tell me why or where it was. XXXX XXXX confirmed they accepted it. Today, XX/XX/XXXX I received a text stating the payment posted to my account. Nobody can tell me why it took 20 days and what happened to those funds. I feel like they are negligently handling my account and its causing me stress. They should be accountable and yet they have no answers. I dont think their business practice are in sync with the law and would like this audited. They should not be sending me certified mailed about being behind on payments when they were given payment nearly XXXX weeks prior. Late fees imposed, negative reporting to credit agencies. This isnt right.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall 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 of 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 by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Hello. I am writing to express my concern about a student loan forgiveness program I qualified for. Navient denied my student loan forgiveness form. My District signed it and I qualified for {$17000.00}. I have been XXXX 20 years and am very upset to see my time does not matter. I have struggled and needed to place my loans in forbearance and deferment for quite some time. I filed bankruptcy in 2014. If you could please help me get back on track, I would greatly appreciate it. Thanks so much. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to erase the late payment stated on my reports. 

XXXX XXXX XXXX has sent me written statements requesting the bureau to back date everything to XXXX of 2020 because of XXXX error. 

XXXX sent me an XXXX # of a document they had sent to Experian to fix the error they made. 

Experian told me XXXX verified I had late payment but I didnt. I have statement from XXXX  saying they messed up. 

Why wont Experian fix this.