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

In XXXX I opened a personal account with Bank of America, and in XXXX I opened a Checking and Saving Account for my Small business, mid-year in XXXX Bank of America froze my Business and Personal Account, and after trying to get some answers I finally spoke with an agent in customer service that my account had been frozen for unusual activity and could not elaborate any more than that, I spoke with a branch manager at the local BOA and he informed me that it could be resolved in a few weeks but to give it 45 days, but it could take up to 2 years for BOA to complete an investigation. My small business had just received a XXXX  Loan for over XXXX I asked if that was the issue and they could not tell me. During the COVID-19 years, it was very difficult for any small business to survive and we were no different, I had employees to pay and other bills, so you can imagine when we received those funds I informed my employees that we had secured funds to back pay them, then this happened with BOA and it was heartbreaking to have to tell my employees that they were not going to get paid and that they would have to wait until I found other resources. You can imagine how frustrating this was to me, both my personal and Business accounts were frozen by Bank of America, I asked about un-freezing my personal account so I would pay my employees out of pocket, but they basically said NO. after repeatedly trying to get answers and getting nowhere, I just accepted it for what it was, between both accounts there was over XXXX I have continued to call or visit the local branch a couple of times through the past years and was provided with no information, I believe my accounts were not just frozen they were closed as I tried to log into my accounts a few months back and the system returned no account found. 
I was told it would take up to 2 years to release my accounts, well it's been 2 and a half years now since I last called again to try to get some updates the agent informed me that no investigation has been started, I really want to know why my funds are still frozen and why no ones has reached out to update me in the past few years. 

Best XXXX XXXX
Product: Checking or savings account

A check was written out to my XXXX XXXX. The check needed to be signed by the Mortgage company ( XXXX XXXX XXXX  ). My roofer said he can get that signature faster as they do this kind of work everyday, and then he can give me my check back once it is signed by the mortgage company. 

Instead of returning the check to me, the roofer cashed it at Wells Fargo which is their bank as they told me. The check was not written out to the roofing company, it was written out to my company. 

I spoke to Wells Fargo and they said maybe it went through ATM. Maybe someone did not check the name of the company etc etc but they take no responsibility of putting that check into the wrong account. I went to my bank XXXX  XXXX XXXX and they said that the check should not have gone through, as it was deposited to the wrong company account.
Product: Mortgage

in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next
Product: Debt collection

On XXXX XXXX at approximately XXXX XXXX I contacted a debt collection agency after receiving notification from XXXX that a collection was added to my report. I inquired about the debt and was told that its on my credit and I need to pay it now to have it removed. I asked why wasnt I notified about the debt and he said they mailed letters to my old address and its not his fault that I moved. How can a collector report a debt to the credit bureau without first confirming that I owe the debt. The name of the agency is Ability Recovery Service and I spoke with XXXX XXXX x210 who was extremely rude and contentious.
Product: Student loan

In 2014 i attended school here. During this time they were doing just like XXXX XXXX was i imput my information and the " loan advisor '' made sure i had the " appropriate '' amount of money for tuition. 
I was not given a credit hour cost they took out tge max they could to cover the tuition. 
This place did predatory lending to maximize there profits. And this needs to be addressed. As the amount need for the degree was way over the wage limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX   XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX  XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. 

I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX  XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. 

Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. 

Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX  XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.
Product: Debt collection

According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX & BLITT AND GAINES , P.C . I do n't know who the DEBT originated from. I only get XXXX hours with XXXX 'S with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & BLITT AND GAINES. P.C. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX- {$450.00} per month and the leftover is {$390.00} per month or Annual Salary of {$4600.00}. Since this is my livelihood is {$4600.00} per year ; I will get a negative balance of {$4600.00} - $ XXXX= -XXXX! I ca n't pay the $ ( -XXXX ) since I am negative!
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

I paid on my credit card with PayPal on the statement date ( XX/XX/year> ) and my report still shows no payment and high balance which is affecting my score. Because of it I cant get qualified for housing/leasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of XXXX  of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. FERPA is a U.S. federal law that regulates access and disclosure of student education records and DOGE has clearly violated this law. 

XXXX XXXX XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type XXXX XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX  Current Owner U.S. DEPARTMENT OF EDUCATION Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX Discharge all student loans on my account due to this clear violation. FERPA is a U.S. federal law that regulates access and disclosure of student education records. Also remove these items from all of the major credit agencies.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of Verification : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Student loan

I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait  another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.
Product: Credit card or prepaid card

I am an XXXX year old victim of the credit card interest scam. On XX/XX/XXXX, two men came to my house claiming to be from Citizens Bank. Since they already had my address, knew I had multiple accounts with Citizens Bank, and had the last four digits of my accounts I thought they were actually from Citizens Bank. They said that they were going to put money back onto my card because Citizens Bank was charging me too much interest. On XX/XX/XXXX, I discovered that the men had not put money into my accounts but made a transaction of {$9100.00} on one card and another transaction of {$8900.00} on another card. That day I disputed the transactions with Citizens Bank. I also called the police on XX/XX/XXXX but no one was able to come out until XX/XX/XXXX and make a report of the incident. In XX/XX/XXXX, Citizens Bank sent me a letter stating that they determined that I authorized the transactions. I tried calling multiple times to see how they came to that determination. On XX/XX/XXXX, I called Citizens Bank Credit Card Claims Dept. with my lawyer. We spoke with a XXXX and he told us that because I was scammed it meant I authorized the transaction. We tried telling him that I did not give them permission to make the transaction and asked to speak to a supervisor. We left a message for the XXXX, XXXX XXXX. I called Citizens Bank again with my lawyer on XX/XX/XXXX, because we did not hear back from XXXX. We spoke with a XXXX. He said that the supervisor XXXX XXXX was not available so we asked to have her call my attorney. XXXX told us that because I gave the scammers my account information, I authorized the transactions. As of XX/XX/XXXX, XXXX has not returned my lawyers calls. No one has returned the calls I made either. I put in another dispute of the transactions on XX/XX/XXXX because I did not authorize these men to make these transactions. I thought I was authorizing them to put money back onto my card.
Product: Mortgage

I had a mortgage with BBVA Compass and, in XXXX, the Escrow amount was changed. Due to the COVID lockdown, I did not receive notice of this change in a timely fashion because we were unexpectedly stuck in New Mexico and were not receiving mail from our California home. The monthly mortgage went out, as it did monthly, on XX/XX/2020 and, unbeknownst to me, was reversed on XX/XX/2020. I received NO notice of this reversal and it was subsequently reported as a " late '' payment. This very adversely affected my credit rating and has ultimately precluded us from refinancing our primary mortgage. The fact is, the payment was made ON TIME but was short due to the change in the escrow amount. This has caused a FALSE reporting to all of the credit agencies, causing a huge drop in my credit score ( which prior to this was above 800 ) and affecting the rates we are offered for refinancing. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXXXXXX Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accuracy of credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX
Product: Debt collection

This company called me and left a very nasty and threatening message on my voicemail. On the SAME day, so not even time for me to respond to their message, they called my elderly parents home looking for me and left the same threatening message on the cell phones for my wife, my EX-wife and my sister. Over the past 2 days, they have left numerous messages on each of those phones. And they use local area codes on their incoming caller ID, so as to hide their actual company and number. Very deceitful. Even their company has numerous 800 numbers attached to it, when I tried to research who they were and what they wanted. The company name is M.N.S. & Associates.