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

I received an insurance settlement check. I deposited a check on XX/XX/XXXX for {$18000.00} in the ATM machine at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Fl XXXX. The next day the bank showed the check deposited than immediately deducted that amount from the account with NO explanation as to why the deposit was withdrawn. I tried calling the XXXX  XXXX number but I was on hold for over an hour before giving up. So, I went to the bank and they said the check needed to be deposited inside the bank, not at the ATM because of the amount. I asked her why they would not call to let us know there was something wrong. I asked them where the check was and they said it was going to be mailed to me. It is now XX/XX/XXXX and we have still not received the check. I went to the bank again on yesterday to ask where the check is since we still do not have it. The representative at bank said they do not know where the check is and only said that we should have had it by now. They told me today that they still do not know where the check is and maybe I should have the party that wrote the check send a new one. This is now causing me to pay bills late and put items on my credit card because of their incompetence. How is this ok in the banking world? The check should have been returned to me immediately, not " lost in the mail '' somewhere.
Product: Debt collection

I have a collection Agency call Mandarich Law whom I have no business garnishing my check. I called the original creditors and they said my case is closed and have no information on me on file.
Product: Mortgage

Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has filed fraudulent information on my credit report which showed up on TransUnion. Transunion has been notified and a dispute filed on XX/XX/XXXX.
They reported on XX/XX/XXXX a " new bankruptcy-XXXX XXXX/XXXX '' This account was paid on XXXX/14 and included in a bankrupty filing back in XXXX. Upon reviewing my XXXX XXXX report, XXXX XXXX falsifying information and reporting actions to Transunion resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of Transunion and XXXX.
Product: Money transfer, virtual currency, or money service

Cashapp I used to transfer {$70.00} to my girlfriend 's account. She had no way to access it her phone was busted. We called they set her up an entirely new account and sent the funds to the new account. Now we are getting a run around about verification and her needing a bank. 
I was the original sender and they will not send the funds back to me either. So they are just holding {$70.00} we didn't have to begin with.
Product: Checking or savings account

My father passed on XXXX  XXXX, XXXX  in XXXX  at his rehabilitative home. On Friday, XX/XX/2024 I went to Bank of America in XXXX, XXXX  to try to close my fathers bank account as I had to open an estate account to settle any past claims on his estate. I was told because it was a guardianship account the lawyer would need to close the account. An appointment was made at the Bank of America located at XXXX XXXX XXXX XXXX  XXXX  location, where my fathers guardian opened his account. On XX/XX/2024 the guardian " XXXX '' and myself attended this appointment to close the account and for a check to be issued to his estate. The bank manager XXXX XXXX handled the appointment. She called XXXX XXXX to ask all of what was need to successfully close the account. All documentation to include the death certificate, my birth certificate, marriage license ( different last name ) and small estate probate administrator order stating I was now the administrator of his estate was given and provided. The account closure form was also presented from the guardian. I was told the check from the closed account would be mailed to my home address in 10 business days. I received a letter in the mail approximately 2 weeks after the appointment stating I had to provide documentation. The lawyer and I were in person and provided all requested documents. I called BOA to ask what additional documents were needed and was told by XXXX XXXX an order from a judge ending the guardianship. I explained the guardianship ended once my father was deceased and I have a court ordered estate administrator document. They still would not let me close the account or receive the funds to settle the estate. It has been 4 months since my father passed away. I wrote a complaint, none has contacted me to resolve the issue. The account case manager was extremely rude so I filed a complaint. I called the Bank of America where the lawyer and I went to close the account to speak with the bank manager who assisted in trying to close the account, I have called her twice and received no phone calls back. This is the most unprofessional dealing I have had regarding my father 's passing and it is devastating!!! I am distraught and having emotional distress as to how I am being treated. A Bank of America phone associate was called on XXXX XXXX and stated this document isn't typically requested : an order from a judge only the administrator of the estate. I want to close my father 's bank account, be issued the check from his account so I can settle his estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to inform them that I were a victim if their inquiries issues but representative failed to take care of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX  and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their continued violations of the Fair Credit Reporting Act ( FCRA ), failure to follow reasonable procedures, and refusal to properly address my dispute. Despite my previous attempt to resolve this matter privately, TransUnion has failed to take corrective action, leaving me no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ). As a federally protected consumer, I am fully aware of my rights to privacy under 15 U.S.C. 1681a ( 4 ) and my rights under 15 U.S.C. 1681b ( 2 ), which clearly states that a consumer report may only be furnished with the written authorization of the consumer. I DID NOT provide TransUnion with written authorization to report the XXXX XXXX account ( Account XXXX ), which means TransUnion is reporting this account without a permissible purpose, in direct violation of federal law. Additionally, TransUnions actions demonstrate willful and negligent noncompliance with the FCRA under 15U.S.C. 1681n and 15 U.S.C. 1681o. Instead of properly investigating my dispute, TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). Furthermore, I demand that no AI verification through the E-OSCAR system be used in handling this dispute, as it does not constitute a reasonable investigation. As a direct result of TransUnions reckless reporting and failure to correct this inaccurate information, I have suffered severe financial and emotional distress. I am unable to secure a mortgage for my family due to this erroneous entry, leaving us in an unstable housing situation. This constitutes actual damages, and under 15 U.S.C. 1681n, TransUnion is liable for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful misconduct. I am formally demanding that TransUnion immediately delete the XXXX XXXX account from my credit report and provide me with written confirmation and an updated copy of my corrected report within 14 days. If TransUnion fails to comply, I will have no choice but to seek legal counsel and pursue full monetary damages under the FCRA, including for defamation of character and emotional distress. I urge the CFPB to take immediate action to enforce TransUnions compliance with federal consumer protection laws and hold them accountable for these violations.
Product: Debt collection

XXXX   XXXX  and her husband have been dealing with some serious medical issues and money problems.  XXXX   XXXX  took out a loan with the company  Lending Point.    She was payin g Lending Point b ack monthly starting in  XXXX .   Their money crisis increased and  XXXX  and  XXXX   XXXX  sent any creditor a written letter stating they are going through a tough financial situation.    XXXX   XXXX  took the loan out I believe in late  XXXX .    XXXX  and  XXXX   XXXX  have been harassed almost daily and hired myself,  XXXX   XXXX  as their attorney in this matter.   I contacte d one e mployee named  XXXX  who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me.   Her supervisor hung up on me too and accused me fo swearing at  XXXX . I have never swore at an employee.   I have included the many pestering emails,  XXXX   XXXX  as received. She also has been called incessantly from  Lending Point o n  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquires from bank of America on my XXXX credit report and I didn't not fill out a application with them and I called bank of America and told them to close down that application and they did but the credit inquires that was done on XX/XX/2019 is still remains on there and bank of America kept transfer me to dept to dept and haven't done anything to resolve my issue I believe there was a application for cash reward credit card and I never submit it and I'm asking bank of America to remove this inquires that was done on XX/XX/2019....
Product: Credit card

XX/XX/XXXX my Alaska XXXX Bank of America credit card was stolen out of my wallet. The card was used in person the same day as follows : XX/XX/XXXX {$200.00} at target XX/XX/XXXX {$1300.00} at XXXX XXXX XX/XX/XXXX I received text notification from XXXX & A that possible fraud activity occurred on my card. I realized my card was not in my wallet and I immediately canceled my card and requested a new one. I filed fraud claims on both charges. 

I just was made aware that Bank of America is unable to approve my fraud claim with the statement as follows we confirmed your card was used for the charges. The chip was read, your pin was entered and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. Bank of America then placed the fraudulent charges back on my account balance. I called customer service who is absolutely no help. My card was stolen and these charges were not made by me. It is absolutely ridiculous for a customer to be responsible for fraudulent charges even if it was made with a stolen card in person.
Product: Checking or savings account

Today, XX/XX/XXXX  I attempted to purchase a {$65.00} XXXX egift card using my bank debit card ending in XXXX. The order malfunctioned, didn't produce an order #, BUT charged a {$65.00} authorization. Bank of America refused to release authorization, & stated unwillingness to provided future authorization release date which violates federal law and proves a bias relationship with the merchant. This bank has denied my right to dispute, as the hard charged will never process. In effect my {$65.00} funds earmarked for groceries have been stolen by this bank. An audit is highly recommended!!
Product: Credit card

I opened XXXX XXXX XXXX XXXX XXXX Mastercard which is in partnership with Barclays on XX/XX/09. 
They advertise that as a part of getting approved for this card I will get complimentary gold status with XXXX. It takes 1-2 billing cycle to reflect. 
I never got that. They upgraded me to silver but not to gold as advertised. I checked my XXXX account and my Barclays account. 
I reached out to XXXX and they agreed with me but asked me to reach out to Barclays. I reached out to Barclays this morning and they agreed with me too and asked me to reach out to XXXX. I reached out to Barclays again this afternoon and magically I see my status on Barclays as Gold. However, my status is still Silver on XXXX. Two of the following possibilities : 1. Barclays and XXXX system don't talk to each other and they are not in sync even though its a cobranded card 2. Someone magically updated my status to Gold after my complaint but XXXX system hasn't reflected it yet as it may take few days for the updated information to reflect.

Either way I was incorrectly devoid of the Gold status that they advertised. I paid {$490.00} annual fees with the card too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a credit report from XXXX Credit bureau. On the account it mentions an account that I allegedly had with XXXX XXXX XXXX and the account number for that account is XXXX. On the XXXX credit report it states that the XXXX XXXX XXXX account was paid in full and that the last payment was made on XX/XX/XXXX and XXXX is providing this information based on a dispute that I filed. So, if the last payment was made on XX/XX/XXXX and the account is paid in full then this account can not be a charged off account. Transunion and XXXX have different payment dates for this same account. How can it be that the three credit bureaus have different information on the same account and they are getting the information from the same source which is the creditor. I have submitted a copy of my most recent XXXX Credit Report and circled the payment date and the account status on the credit report. 
The XXXX  XXXX XXXX account that is reporting on my credit report is inaccurate and should be deleted immediately. From XXXX XXXX I have been asking the credit bureau for there method of verification as it pertains to this account but all I have gotten are letters stating that the account is been reported accurately on my credit report but no method of verification and this is a clear FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im wanting these inquiries deleted off of my credit report because I did not authorize any of these companys to run my credit it is fraud