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

My PPP was disbursed into my bank account XXXX XXXXOn XX/XX/2020 my XXXX  bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$39000.00} ) & savings ( {$59000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.
Product: Debt collection

I HAVE CONTACTED THE COMPANY GLOBAL LENDING SERVICES ON XX/XX/2020 AND HAVE EXPLAINED TO THEM THAT THIS ACCOUNT WAS DID UNDER FRAUD BECAUSE SOMEONE STOLE MY IDENTITY. I HAVE ALSO DISPUTED THIS ACCOUNT ON MY CREDIT AS FRAUD THIS ACCOUNT WAS OPENED UNDER FRAUD WHICH THE POLICE HAD ARRESTED TWO OF THE PEOPLE WHO STOLE MY IDENTITY. THIS COMPANY HAS NOT DELETED THIS OFF OF MY CREDIT AND THIS IS CAUSING HARM TO ME AND MY FAMILY.I HAVE A POLICE REPORT THAT WAS SENT TO THEM IN REGARDS TO THIS.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX bank XXXX, and pro collect XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.
Product: Credit reporting or other personal consumer reports

TransUnion is showing that I have XXXX accounts reporting with them. XXXX of those accounts are open and XXXX are closed. XXXX has XXXX accounts, XXXX open and XXXX closed. XXXX has XXXX accounts, XXXX open and XXXX closed but, all are showing payment history and the amount owed which are transactions. This is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my wife tried to transfer {$950.00} to my checking account with a local credit union from her account with a larger bank. The transfer was returned to her due to an authentication issue on my side with the bank payment transfer service Zelle. The transfer failed because I needed to log into my Zelle account to confirm that I can still receive transfers. The email she received from Zelle which was supposed to tell her the transfer was returned did not cause any alarm at first due to the similar wording of the subject to emails from Zelle notifying of a successful transfer. 

Zelle does not offer the ability to do this from a web browser on a computer unless you bank with a large financial institution such as XXXX XXXX or XXXX  XXXX XXXX, and I bank with a local credit union because I've had poor experiences with large banks. If you do not bank with a large financial institution, they require you to log in via the app. The issue here is that the app updated recently and is no longer compatible with my phone, a XXXX XXXX XXXX XXXX, which I've had since XXXX. However, it was compatible until this month. We used Zelle to transfer money this way for almost 5 years. When I called Zelle 's customer support, they told me I need to either get a newer phone, or bank with one of their partner financial institutions. 

I'm filing this complaint because I think that Zelle 's policy of offering web browser based services only to consumers using large banks is anticompetitive and monopolistic. In addition, the fact that I was not warned ahead of time that my phone would no longer be supported by their app, and that my wife wasn't properly notified of the failed transfer with an email message suitably different in appearance from an email notifying her of a successful transfer, is something with which I take issue. This debacle almost interfered with my ability to pay rent to our landlords, and I think I'm not the only consumer affected by this issue.
Product: Checking or savings account

Booked vacation through XXXX on XX/XX/XXXX using delayed payments. First Payment was {$190.00} on XX/XX/XXXX Followed by Payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. & XX/XX/XXXX for {$310.00}. Used XXXX  debit card to make payments. On XX/XX/XXXX received provisional credit for payment made on XX/XX/XXXX for XXXX. On XX/XX/XXXX filed complaint to bank for goods or services not rendered. My trip was booked for XX/XX/XXXX. Bank tells me past 60 days denying my claim. My understanding is XXXX has 120 day time limit from time of service date Out {$2000.00}
Product: Credit card

Navy Federal refuses to extend me any form of credit citing I caused a loss. This loss was part of a settlement in which any balance owed would be forgiven. If it is forgiven, per the terms of the settlement, which was due to an illegal vehicle repossession conducted by Navy Federal ( who, by this action constructively caused their own loss ) and its agents why does Navy Federal still use it as a the basis for my credit denials without even overriding the auto denials. I am not being given a fair chance at obtaining credit by reviewing my credit score and history that is part of my credit files with XXXX, XXXX, and XXXX and removing the FORGIVEN account from the equation. I have requested numerous times for the application to be reviewed manually with no luck. I was told i could file and appeal and then i was told the appeal process is only used if you need to change information on the application. Not to mention, there have been at least XXXX attempts to collect on the FORGIVEN loan post settlement, occurring during the years of XXXX and XXXX which is a violation of the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

a fraud was in process on my Capital One credit card. I contacted Capital One while the fraud was in process. The representative told me our conversation was being recorded and that the fraud was in a " pending '' status and that I was completely covered under the conditions of my agreement with Capital One. Weeks later Capital One started trying to collect the fraud amount ( {$400.00} ) and since they have added interest. They have ignored there recored statements to me. This all occured in XXXX XXXX. I filed a FTC complaint on XX/XX/XXXX ( FTC report # XXXX ) and reported this issue again to the FTC on XX/XX/XXXX ( FTC report # XXXX ). Sometime ago Capital One stopped contacting me and turned the issue over to some collection agency. This agency has continued to harass me with phone calls and recently caused me considerable problems. Apparently, XXXX credit reporting has reported this as " code XXXX account with a reported delinquency status including bad debt ), to my homeowners insurance company. This incorrect information was sent to XXXX consumer service center of XXXX, XXXX ( XXXX referecnce # XXXX ) and sent to XXXX XXXX company. XXXX is incorporating this incorrect information into the calculation for the charge for my insurance. 
These organizations are all complicit in to incorrect reporting and are costing me money. I have done all i know of to do to resolve this issue to no avail. I need your immediate attention.
Product: Credit reporting or other personal consumer reports

I called One Main numerous time to fix my report and report accurately and they would not budge.They brought up all different things not having to do with my account. XXXX XXXX was also not willing to listen and put in a request to correctly report my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at credit karma on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any sync cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Product: Credit reporting or other personal consumer reports

Name of Account : XXXX  XXXX Account : XXXX Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded as a VERIFIED AS ACCURATE and UPDATED But how is that possible? you said is verified as accurate and updated but they lied because the account is still looking the same so how is that possible? 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have two credit card accounts with XXXX XXXX. ( XXXX XXXX XXXX &   XXXX XXXX XXXX  ) On XX/XX/XXXX of this year a salesperson at XXXX XXXX XXXX requested an increase on my XXXX XXXX XXXX credit card. Instead someone at Synchrony raised my XXXX XXXX credit card amount and put the first charge from the XXXX XXXX XXXX retailer on that account. I have called and done a live chat with Synchrony and instead of just transferring the increase from one card to the other they lowered the XXXX XXXX card and then refused to up the XXXX XXXX XXXX card. This is clearly their mistake and now all these mistakes will be on my credit report not to mention now I can't purchase the kitchen renovation that I thought was all on order.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was not notified or verified in accordance with debt via Capitol One. I have no signed anything allowing debt being sold or moved. XXXX XXXXXXXX XXXXXXXX say I owe {$810.00}. I do not know where this number came from. The earliest email I have found says XX/XX/ from a completely different creditor XXXX XXXX XXXX stating the exact same balance. In accordance with the fair credit reporting act ; XXXX XXXX XXXX and Capitol One Bank 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. I want the debt to be cleared from my name and not affect my credit score. This has weighed down my credit for far too long.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I contacted PayPal Inc. about removing limitations from my account. The agent responded by closing my account deeming me as too risky of a seller on XXXX. I provided PayPal Inc. with purchase receipts, tracking information, and everything to verify my identity but they continued to close my account. I currently have a PayPal Balance of over {$6000.00} USD that I am unable to touch for 180 days until PayPal Inc releases my funds. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has had rgis problem over 60 dayd and hasnt got it corrected yet can you guys stap in XXXX shows late payment for 5 months in row ive been straight wirg company and once they called me and let me know XXXX took over account i brought it up ro date when they called me i payed XXXX XXXX XXXX XXXX XXXX brought all up to date once i found out thanks
Product: Mortgage

I finished my forbearance payment x3 which ended in XX/XX/2021. I called another mortgage company to refinance my home and they want a loan modification letter from Mr. Cooper. When I contacted Mr. Cooper, they said verbally that they are able to lower my APR from 5.25 % to 3.25 % and they are going to mail the modification letter in XX/XX/2021 that requires my signature. I have not seen the documents yet. I kept getting calls saying my mortgage is due. When I spoke to Mr. Cooper 's manager, she said I am not liable to pay anything right now because a delay on their end. I have not been billed since XX/XX/2021, and I said I don't want to be liable for extreme late payment due to their delays. I tried calling x2 and their line is cut off. I would like to change my mortgage company but can't move forward without the loan modification letter. Please advice.
Product: Credit card or prepaid card

RE : Citi XXXX The credit card company resolved the dispute in my favor, but only for {$1.00} ( amount of sales tax ). The disputed amount was {$31.00}.

Their letter claims that I " accepted responsibility for the amount of {$29.00} '' WHICH IS NOT TRUE! Why would I do that? 

They obviously know this isn't true and they're playing games.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ XXXX and XXXX ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015, XXXX XXXX XXXX are reporting a reposession on all three reporting agencies and a balance of {$20000.00} on a vehicle and that I've 28 % of the original amount. This was not a repo and there is no balance of {$20000.00}. This is incorrect information is adversely effecting my credit as well costing me money in higher interest rates and even higher insurance premiums. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with XXXX XXXX XXXX. The account number ends in XXXX, and it was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Below are specific inaccuracies I have identified that require correction : Discrepancy in Balance and Payments : The account shows a balance of {$600.00}, but there are records of payments made, including a {$51.00} payment in XX/XX/XXXX and other scheduled payments between XXXX and XX/XX/XXXX. I request that you investigate how these payments were applied and correct the balance accordingly. 

Missing Payment History : The account was opened in XX/XX/XXXX, yet there is no payment history reported between XX/XX/XXXX and XX/XX/XXXX. 
Inaccurate Delinquency Reporting : The account reflects a XXXX delinquency in XX/XX/XXXX, but the account was closed in XX/XX/XXXX. It is unclear whether the delinquency dates have been accurately reported. 
Inconsistent XXXX XXXX XXXX : The past due amount is listed as {$600.00} for many months despite showing earlier payment activity. I request verification of the past due balance, as it seems inconsistent with the accounts payment history. 
Unclear Remarks and Rating : The remarks section shows " PRL '' ( Paid/Revolving Limit ), but the account status remains " Charged Off. '' The rating also alternates between " C/O '' ( XXXX ) and " X '' ( XXXX XXXX ), which seems inconsistent. 

Account Can not Be Charged Off Multiple Times : According to the Fair Credit Reporting Act ( FCRA ), an account can only be charged off once. However, this account reflects multiple charge-offs over several months ( shown as " C/O '' in the rating history ). A charge-off should represent a single event, not multiple occurrences. I request an immediate investigation of these repetitive charge-off notations, as they violate the proper reporting guidelines. 
Please investigate these discrepancies and remove the inaccurate information from my credit report. If the information is verified as accurate, please provide me with the documentation used to verify the charge-off, delinquency, and balance. 

I appreciate your attention to this matter, and I look forward to your prompt investigation and resolution. Please respond within the XXXX period as required by law.
Product: Checking or savings account

They made a deposit from my paystub on Friday and claimed it on Monday, the bank did not notify me of the transaction, and I let them take the money out without my consent.
Product: Debt collection

I have a monthly allotment of {$1900.00} to XXXX XXXX for debt relief. Enrolled in the program on XX/XX/XXXX. Received summons from AMEX on XXXX XX/XX/XXXX served by the XXXX XXXX XXXX ( XXXX ) at my home. Apparently, AMEX refuses to work with XXXX XXXX, XXXX for debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo failed to apply payoff of {$230000.00} received XX/XX/21 claiming there was a shortage of {$1700.00}. They did not inform me of this deficiency and as a result I incurred {$100.00} in additional interest. I also believe this is a breach of my promissory note which requires payments to be credited on receipt.
Product: Debt collection

I am applying for a mortgage ; the debt collector recently showed up on my credit report ; my mortgage company has contacted XXXX and has said without a written contract of an agreement to pay this loan, I will loose my house!! 
The loan is over the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to remove negative items. I have hired XXXX XXXX on XX/XX/2020 to do credit repair on my behalf. While XXXX XXXX is challenging my negative items with the 3 major credit bureaus ( Equifax, XXXX, and XXXX ) the following items have passed the statute of limitation : DPT ED/XXXX, DEPT of ED/XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX XXXX. The 3 major credit bureaus ( Equifax, XXXX, and XXXX ) are refusing to remove these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Reason:
Fraudulent credit applications filed by someone else
Product: Credit card or prepaid card

Citibank received a copy of my bankruptcy discharge notice from the United States XXXX Court XXXX XXXX Minnesota on XXXX XXXX in regards to all of my debt with Citibank has been discharged under Chapter XXXX bankruptcy. Citibank is in violation of The Equal Credit Opportunity Act ( ECOA ) under federal law by not allowing me to apply or get a Citibank XXXX Credit Card.
Product: Credit reporting or other personal consumer reports

My account withXXXX XXXX XXXX, and XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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!
Product: Checking or savings account

Account number : XXXX On XX/XX/2019 someone walked into a Bank of America branch in Florida and withdrew {$3400.00} from my account. It is showing on bank statement as check # XXXX. 
Bank of America gave this person, not me or my wife, these funds. 
This is an identity theft or a mishandling of accounts by Bank of America giving funds to a person who is not who they say they are, theft. 
Called the bank immediately about this unauthorized withdrawal as I was not in Florida but in my home in Connecticut at the time of this transaction. Bank of America said it is an identity theft problem and we need to file a Police report. 
Police report filed, sent to Bank of America ( BofA ) and B of A said we would be reimbursed on receipt of Police Report. I have NOT received any funds, return of {$3400.00} and my enquiries to B of A are falling on deaf ears. Need the to return my {$3400.00}