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

I have already filed a complaint with CFPB RE : XXXX On XX/XX/22 received a phone caal from BofA stating they need more time to investigate my request. 
on XX/XX/22 BofA communicated to the CFPB that require additional time to research the issue. 
On XX/XX/22 I received a letter dated XX/XX/22 from Bof A stating " We are not able to approve your recent claim as our record indicate that we completed the transfer according to the instructions you provided and therefore no error occurred. Based on this your account won't be credited ''. 

I never asserted that bank of America made an error my complaint was mainly based on the fact that I was not able to get in touch with them and had I been able to speak with someone when I first call perhps they could have been able to stop the payment. 

It is clear that bank of Americans not able to answer customers phone call promptly and evidence is also showed by the fact that it took several days to communicated to CFPB that they need more time to investigate. 

I lost all hopes at this point of being able to recover the amount in question but I am not happy with the fact that it was almost impossible to communicate with Bank of America via telephone. The most egregious time was when after baeing placed on hold for more than an hour I lost the communication. 

Certainly I am not going to stay here and cry over {$160.00} but, I have been a customer of Bank of America for over 30 years and I would have expected a better response with a signed letter not just what seems a standard impersonal letter denying responsibility. I have several direct deposits arrangements and also some automatic ACH being processed through BofA. as soon as I am able to switch those to another institution I will regretfully terminate my relationship with BofA.
Product: Debt collection

THIS ACCOUNT IS A COMPLETE VIOLATION OF THE NO SURPRISE ACT. DELETE IMMEDIATELY. MY PRIVACY IS PROTECTED UNDER HIPPA LAWS. IF YOU FAIL TO REMOVE, LITIGATION WILL FOLLOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by XXXX XXXX, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted Transunion and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact Transunion. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I observed notable discrepancies in the reporting of two specific accounts affiliated with American Express ( AMEX ) across my credit reports from the three principal credit bureaus : XXXX, XXXX, and XXXX. These inconsistencies not only raise concerns about the precision of the reported data but also the legitimacy of the account status. 

Specific Concerns : Date of Last Activity Discrepancies : For the account ending in XXXX, the reported date of last activity varies considerably : XXXX lists it as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX as XX/XX/XXXX. 

The account ending in XXXX also has differing dates : XX/XX/XXXX as per XXXX, XX/XX/XXXX according to XXXX, and XX/XX/XXXX by XXXX. 
Creditor Remarks Discrepancies : The remarks across bureaus for both accounts differ. For instance, XXXX mentions " Charged off as bad debt, '' while XXXX includes details like " Account has been closed due to inactivity '' among other remarks. 

Question on Debt Status & 1099-C : Both accounts are reported by AMEX as having been " charged off '' and " reported as a loss by the credit grantor. '' Intriguingly, during a phone conversation with an AMEX representative on XX/XX/XXXX, I was informed that the debt was charged off on XX/XX/XXXX. However, the same representative confirmed they can not provide a 1099-C form for these accounts. The 1099-C form typically indicates that a debt has been canceled, making its absence concerning given the reported status of these debts. 

Actions Taken : In XX/XX/XXXX and XX/XX/XXXX, I utilized the online dispute mechanisms of XXXX, XXXX, and XXXX to address these inconsistencies. 
Between XX/XX/XXXX and XX/XX/XXXX, I communicated with AMEX 's credit reporting and dispute resolution department multiple times, seeking both clarification and rectification. 

As of XX/XX/XXXX, the discrepancies remain unaddressed, leading to my decision to escalate this concern via this complaint. 

Given the discrepancies and potential inaccuracies, I earnestly request a comprehensive investigation. If validated, I seek the removal of these accounts from my credit report to ensure accurate representation of my financial history.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

/I called and disputed this account on XX/XX/22 to have this item removed and the Lexis Nexis still has not removed this account I have allotted them the required 30days and the dispute has not been settled and needs to be removed immediately! According to 15 USC 1681 section 602 A states : I have the right to privacy. According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. With that being said I have not given them written instruction or permission to report such information and neither has the courts! 

My reference number for the dispute is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call transunion to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too.
First, I report the problem to trans union because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XXXX XXXX XXXX. Trans union said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to trans union and notify the issue twice. I said I have a Letter on a second name XXXX. And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XXXX XXXX XXXX at trans union. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XXXX XXXX XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XXXX XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to transunion and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XXXX XXXX XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XXXX XXXX XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XXXX and I submit evidence to the IRS I have been in XXXX from XXXX to XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ).

Said information was shared without authorization nor consent to TRANSUNION by way of identity theft and they are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX : XXXX
Product: Debt collection

I obtained a copy of my credit file and noticed XXXX was reporting a credit card debt that was paid and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation to XXXX and amex
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX DEPARTMENT OF EDU XXXX Open Date XX/XX/2012 Balance : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance : {$100.00}, XXXX XXXX  XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

In XX/XX/year> I lost my wallet when I was traveling outside of state few weeks later multiple accounts was open into my name that included XXXXXXXX XXXX XXXX XXXX XXXX  card multiple online banking. 
I have submitted multiple requests of proof verification to those collections company. 

I have reported this fraud to the XXXX under federal law 18 U.S.C. 1028 So therefore Im asking those collectors to provide proof of signatures and identification such as driver license
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Checking or savings account

PNC Bank purchased BBVA Compass and the migration was this week. Usernames and passwords were indicated to stay intact. This evening, XX/XX/2021, when I attempted to access my account, I was given an error " We are unable to use your BBVA USA user ID and password. Please contact us. '' You have to go digging for contact information to " contact us ''. 

I am unable to access my money, so I contacted their support line at ( XXXX ) XXXX after digging around on the PNC website, where I was instructed there was a 20 minute wait time. After 30 minutes, I am still on hold trying to access my money. 

They have botched the migration, failed to provide updated instructions for accessing online account information, and are exceeding 30 minute wait times for their customer support. I was fortunate enough to move 90 % of my money out of this system, including closing a business account, prior to the migration, but I can not imagine  the frustration if this is the only banking product you have access to. 

PNC needs to be fined for this mess.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely,
Product: Checking or savings account

I made an online deposit for a Title Company Check. The online system said there would be a hold on the funds until XX/XX/XXXX. Now today, XX/XX/XXXX they decided to change the hold until XX/XX/XXXX due to internal indications of fraudulent activity on the account. Not my account mind you, but on the Title Companys non-Wells Fargo account. No further explanation other than their overnight deposit system flagged it. Ironically I could have taken the check directly to the bank and they would have just cashed it. Now my bills are going to be late!
Product: Money transfer, virtual currency, or money service

I am writing to formally express concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zell numerous times and reporting discrepancies, my financial institution and 1zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I submitted and sent in numerous dispute investigations to Equifax, XXXX, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : XXXX : XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} Equifax : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Product: Credit card or prepaid card

I'm having problems with resolving my Dispute with my Capital One XXXX card. I was billed for services not owed By XXXX XXXX without consent. A third party already paid off the XXXXXXXX XXXX  and XXXX  has continued to accept payments for services already paid. Capital One refuses to submit the dispute with XXXX XXXX demanding to have documents received by me first before disputing my payment with the merchant. The XXXXXXXX XXXX  is collecting double payment intentionally knowing that payment has already been paid off. The bill now has an over- payment credit.
Product: Vehicle loan or lease

I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX   in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.