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

Bank of America has locked me out of my account after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker account being funded. The funds were then re-sent to me via XXXX for the same amount by my uncle. I was able to access a portion of the funds, but Bank of America locked my account later that day on XX/XX/XXXX. They locked me out entirely right before XXXX. I also receive XXXX XXXX into that account. The date they locked my account was already after the cutoff time to be able to switch the deposit to another account. I called Bank of America on XX/XX/XXXX they stated that due to the terms and conditions, they reserve the right to close my account for no reason and they have decided to do so for " business reasons. '' I spoke with two supervisors, and nobody could give an actual reason or explanation and refused to allow me to speak to anyone higher than the second-level supervisor. I spoke with them again on XX/XX/XXXX, and they stated that because the account is in the process of closing, I will have to wait until at least XX/XX/XXXX to have an official check issued to me as I am XXXX and currently live more than an hour away from the nearest branch. I am temporarily staying with my brother in XXXX Maine. They have yet to explain why they have terminated my account and I have been forced to go without access to my social security funds that were deposited into the account. I feel the bank has blatantly abused me as they know I have limited resources and that there will be little to no recourse for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in 45 days, that was 8 months ago. I called in today 8 to 9 times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not XXXX XXXX XXXX. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and XXXX XXXX XXXX received the settlement letter within the 45 days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to XXXX, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to XXXX. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.
Product: Debt collection

In XX/XX/XXXXmy XXXX account was discharged and I paid taxes on it. I thought it was closed, but it keeps showing up on my account so Im trying to get this account closed and pay anything I need to close it and get it removed from my credit score because Im trying to buy a house and its affecting my credit. I called XXXX this is the number that is on the credit report, but they could not find any record of this account after consulting with several of their departments. Then I called synchrony banks recovery service, which is who sent me the 1099c form to pay the taxes for the discharge, to see if they could settle with me and I could get it paid off, but they also show no record for this account. The identifiable event date on the 1099c is XX/XX/2018 for the amount of {$1800.00} and the loan # is XXXX
Product: Payday loan, title loan, or personal loan

I downloaded the XXXX XXXX on XX/XX/2023 and borrowed {$75.00} that was to be repaid from my bank account on XX/XX/2023 along with a {$6.00} fee. The loan was repaid on time. When you download the app it takes you through several prompts before borrowing offering, savings, investing, etc. You are not given the option to decline but the app says you can withdraw the auto savings and investing and cancel your membership at any time. The membership is {$14.00} per month. I have been trying to cancel the membership since the loan was repaid and the app will not give me the option to cancel. I keep getting an error saying I am unable to cancel because even though I withdrew the auto withdrawal savings and investing they took from my account, I have to wait for the transaction to clear. It is a scam. I have tried to withdraw several times and they will not let me close my account with them. Their practices are unethical and simply are designed to ensure a consumer pays them {$14.00} per month. Please assist with helping me to close this account and stop them from taking money from me every month. Thanks
Product: Debt collection

This is was charged off and should not be on my report period this account is from 2015 it's 2019 not my account this account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, XXXX XXXX has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX  is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX, XXXX and XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Debt collection

Credit Report XXXX is wrong never been charged for this debt from XXXX XXXX XXXX XXXX which is {$220.00} unpaid. 
Collection Agency Source Receivable Management has no jurisdiction to charge this debt in the state of Pennsylvania. This debt will need to be removed from the credit report. 

Collection Agency SOURCE RECEIVABLES MANAGEMENT, Balance Date XX/XX/2023 Original XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Date Assigned XXXX XXXXXXXX XXXX Account Number XXXX XXXX Original Amount Owed {$220.00} Creditor Classification Cable or Cellular Amount {$220.00} Last Payment Date Status Date XX/XX/2023 Date of First Delinquency Status UNPAID Comments Contact SOURCE RECEIVABLES MANAGEMENT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Debt collection

on or about XX/XX/XXXX company was contacted in regards to request for account level documentation verifying the debt upon disputing with credit bureaus company verifies information but failed to respond but continues to report after stating to cfpb that " Credit Bureau Systems , Inc. received a validation request via email from XXXX XXXX on XX/XX/XXXX '' and " The account was returned to our client on XX/XX/XXXX and was never reported to XXXX XXXX 's credit. '' Company did receive a validation request however it continues to report.
Product: Checking or savings account

I received in the mail a debit card from CHIME online banking. I never applied and I dont know how it was sent to me. Chime will not give information about how all this happened.
Product: Vehicle loan or lease

I have been submitting complaints since XX/XX/XXXX. Wells fargo is well aware that the vehicle I have is part of a massive XXXX Airbag recall. My vehicle has a double recall and has had that since XX/XX/XXXX. The last response from wells fargo said to file for a hardship refi and that the parts were available. We contacted the same person at the local XXXX dealer, XXXX, as was told the parts are not available and they did not know when they would be available. Furthermore, they are not completely replacing the airbags, they are only changing the inflator. The vehicle is on non-op and is a threat to safety and is deadly. All of this information has already been sent. Wells Fargo says that we have a loan with the which in fact we do not. We have a retail sales installment contract with the dealer. When wells fargo purchased this contract they changed the original terms which we did not agree to. A letter was received from wells fargo to the fact that they denied the original contract and changed the terms. Wells fargo has refused to help in any way since my initial complaint in XX/XX/XXXX. I just called the office of the president and was told they couldn't help and was transferred to someone named XXXX, and of course got a voicemail. I will not apply for a hardship because this is not the case. THE CAR IS DEFECTIVE AND DEADLY, IT IS ON NON OP, THERE IS NO FIX FOR THE AIRBAGS, WE DO NOT HAVE A CONTRACT OR LOAN WITH WELLS FARGO, I WILL NOT PAY FOR THIS CAR BECAUSE IT IS DEFECTIVE. WELLS FARGO CUSTOMER SERVICE, OFFICE OF THE PRESIDENT AND COLLECTIONS DEPARTMENT IS A JOKE. THEY THINK THIS IS FUNNY AND DONT CARE ABOUT ANYTHING BUT TAKING PEOPLES MONEY AND XXXX THEM OVER. HOW ANY TIMES DO I HAVE TO COMPLAIN TO GET SOMEONE WITH SOME AUTHORITY TO GET ON WELLS FARGO ALREADY?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor. I have filed several disputes with the credit bureaus and they are responsible for the burden of proof and method of verification this debt is not accurate and should be removed!
Product: Checking or savings account

Multiple Charges on bank account between XX/XX/2024 and XX/XX/2024 in total of {$5600.00}. Called Chase XX/XX/2024 and disputed the charges as I did not recognize them as a purchase I made. My debit card was cancelled, changed password and log in on chase website have set up two factor authentication. But, I have not heard anything from chase since even after calling for an update on the case or checking my secure messages section on their website. Reference # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/XXXX XXXX XXXX I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
Product: Credit card or prepaid card

Hi, I had a XXXX XXXX credit card with a small balance of roughly {$600.00}. The balance was not mine and used by the ex husband to credit debt for me so I would struggle as time marched on - we call this fraud. 

Subsequently, and conveniently, my identity was stolen forcing to close my accounts and put stop payment on bills - one of which to XXXX XXXX for this balance. The debt collector, several years later, still had the payment owed on my credit - even after attempts to clear this balance in the divorce. 

I called to settle the payment issues and explained my circumstances with the abusive ex husband and identity theft issues to which the woman said Im not sure why your calling - you have a XXXX  balance. She sent me a letter stating I had a XXXX balance with a balance summary showing a XXXX balance. 

Now, almost 5 years later, the item is still sitting unpaid on my credit and when I call they state that I lied and never paid it. 

No one in their office ever said or did that and I must be making it up so I dont have to pay. And then raised her voice at me to intimidate me into paying the bill which I previously called to do almost one year later and was told it was cleared.

I feel this is an abuse of power and need my credit cleared up so I can a ) have a home b ) support my families needs c ) be a reliable consumer
Product: Credit reporting or other personal consumer reports

I used the Home Depot website to order some items for delivery. I prompted the cart and proceeded to check out. It prompted back an offer for a Home Depot credit card. I knew I did not qualify. I attempted to bypass the prompt but it would not allow it. I needed these items delivered so I accepted and they ran my credit. The website never did allow me to check out and pay. The following week I received a rejection letter. This is an unfair, frustrating and embarrassing practice.
Product: Checking or savings account

My XXXX XXXX  account showed a charge of {$3.00} from TD Bank that I don't recognize. A XXXX rep told me to call TD Bank about trace # XXXX XXXX XXXX XXXX XXXX. 

I phoned TD Bank 's main number, XXXX. After 10 minutes on hold, a woman answered and I explained the problem. She told me to call XXXX. When I called that number, it asked me for my TD Bank account number, which I don't have a TD bank account. I was on hold for nearly 2 hours before I hung up and called XXXX again and was again on hold for about 10-15 minutes until XXXX answered. XXXX couldn't help me, said to dispute the charge on my end with XXXX, which I am doing. In the meantime, if somebody at TD bank has hacked my account ( how do they know I  have an account with XXXX, and how do they know the account number? ), this needs to be dealt with by TD Bank. XXXX was unable to use the trace #, was unable to get a message up his line of command, unable to give me a phone number to call or email to write.
Product: Debt collection

The debt appeared on my credit report in XXXX XXXX 2014. It lists an apartment complex that I never lived in, stating that I owed a debt for it.They started calling me telling me that if I didn't pay the amount of {$2600.00} I wouldn't be able to get an apartment and giving me quotes from customers saying that the debt with them ruined their credit and they needed to pay it off. Being a young college student, I paid {$1100.00} total and then I did research and saw that their tactics were illegal and that I could dispute the collection. I tried to dispute the debt countless times and they called me almost daily telling me that I needed to pay this off at all hours of the day and night. Last year, I gave them a cease and desist letter and they haven't contacted me but still haven't removed the debt that was never mine. They were never able to send me a signed contract validating the debt. I do not owe this company.
Product: Debt collection

On or about XX/XX/XXXX I received a monitoring alert from XXXX that I have adverse info. Upon reviewing the information, the a company that I never heard of " Radius Global Solutions LLC ''. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX account XXXX original creditor " XXXX ''. I sent a certified email the same day requesting a debt validation. I have NEVER heard from the company via phone, text or a formal letter in the mail. On XX/XX/year>, I received another report alert from XXXX from " Radius Global Solution '' XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, account numberXXXX. I have yet to hear from the company and this has taken a huge adverse affect to my credit score and livelihood. It is notable I now have to send another letter to address the XXXX reporting due to the difference in the contact information. This company is in violation of FDCPA 15 U.S.C 1692g and therefore the reporting should nulled and removed. My assertiveness acts upon my personal information being compromised in the past. I ask to be fairly communicated regarding this matter as I don't have any knowledge of this allege debt.
Product: Credit card or prepaid card

XX/XX/2017 I received a letter from XXXX XXXX ( a collection agency ) that they were collecting a debt for Synchrony Bank for {$170.00} and that I owed them the money for a purchase I made in Steinmart in XXXX on their credit card. I told them I did apply for a credit card which I never received. I had never received a statement or credit slip for that amount and If I owed them money why did it take 6 month to hear from them. I told them that I wanted a copy of the credit slip and also copies of the credit card statement and they refused to send it to me and told me to just pay the bill. I told them I would not pay the bill since I never heard a word about it for 6 months and unless they send me what I asked for do not contact me. I then called Consumer Affairs and filled out their paperwork but it took them months to hear from the collection agency who said they were no longer on this case. I also called the bank and they cancelled the card since I told them they I have never received anything from them since they did not have my apt # and mail is not delivered without it.. They closed out the card and issued me a new card number but I have no idea why. I filled out a fraud complaint for the bank and once again I asked for a bill but to no avail. I called Steinmart and they could not give me a copy of the bill since they send them to the bank at the end of the work day. I called the bank several times but they never sent me a copy of what I asked for. Finally out of frustration I told them I was going to the Attorney General Office ( which I did XXXX and that is when they admitted they have a copy of the bill which was for {$66.00} but I would have to write their recovery department to get the bill which now was up to {$220.00}. After all the calls and the paperwork I did they were sitting on the bill never sending me the bill even though I requested it several times. Funny but I shopped in Steinmart in XXXX & XXXX with my other credit card and paid the bill so why would I not pay the one in XXXX. I also called the credit reporting agency having this bill put into dispute since my XXXX Fico score has gone down because of this problem. I told them that they had a collection agency contact me but would not send me a copy of what I asked for. The person I spoke to at the credit card agency told me that the bank never disclosed that they had a collection agency contact me but that I just never paid the bill. Well that was a big lie. I am a XXXX year old woman who believes this is one of many banks taking advantage of seniors by ignoring all the mail and calls and just letting the interest grow. Funny but I had done business with XXXX of XXXX with a {$1200.00} bill and also with XXXX XXXX XXXX with a {$1.00}, XXXX and this bank was the creditor for both and I paid both those bills. I am through doing business with department stores credit cards..
Product: Payday loan, title loan, or personal loan

I started a loan with them in the amount of XXXX. They gave me a schedule on when it should be paid. I been paying them XXXX since XX/XX/XXXX. ItsXX/XX/XXXX and the loan has not sufficed. I called a rep stated due to Covid we are paying interest only XXXX in interest. I advised the payments have been the same since the beginning. They advised me they can change the rules anytime. This is entrapment Ive paid well over XXXX for a XXXX loan. I feel like Im trapped and its not fair at all to the consumer.