23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a email in regards to XXXXXXXX XXXX XXXX from EQUIFAX as well a XXXX response FEED BACK PROVIDED from CFPB please note this was initiated back in October 2022 63 days and 2 frivolous responses CARRYS NO WAIGHT OR TRUTH because I sent supporting documents proving no contracts or signature verifying debt ATTACHED again as well requested the same thing provide documentation to me of said debt attached letter and no response again attached XXXX request XXXX is the only one that reported and removed debt as it does not meet the reporting act I have again requested from XXXX ATTACHED to provide me there facts and reporting procceedures of Equifax and XXXX response verified, I will continue to argue this debt as a false response and ILEGAL reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other 3 auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions for the last few 3 years I have sent several attempts to the following company XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, PA XXXX requesting validation for the following account XXXX in the amount of {$630.00}. The last several attempts were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. No response, letter of validation or any requested information has been received as of XX/XX/XXXX. Next letter will go out on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both a experian and XXXX about personal information ( names and addresses ) linked to my report that were not me. Experian and XXXX  can not tell me where the names and addresses came from or how they ended up on my account.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The other bureaus have already corrected the errors I brought to their attention, yet, your bureau remains unresponsive. The following accounts are at the center of my discontent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated efforts, the lack of acknowledgment and action on your part is both infuriating and puzzling. The other bureaus, recognizing the errors, promptly rectified the situation, yet your bureau has not mirrored this corrective action. It is incomprehensible to me why your bureau has not acted in alignment with industry standards. This continued disregard only intensifies my frustration. Rectify this situation promptly to avoid further escalation.
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges XXXX or complaints with the XXXX XXXX your HIPAA XXXX and XXXX XXXX, XXXX & XXXX authorities, the BBB and XXXX XXXX XXXX for violations of the FDCPA, FCRA XXXX and Federal and XXXX XXXX on illegal collection activities on any account that XXXX be time- barred as well as in violation of [ name of your State ] medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

TD Bank is holding bank transfers longer than stated in their bank agreement. Money was transferred through XXXX and was received by TD Bank and confirmed by TD Bank received on Sunday. Money is not given to customer for 4 business days. Their banking agreement says 3 business days. The money will not reach my bank account until Thursday which is day 4. Spoke to a manager who confirmed that their banking agreement does say three days. However, they do not release a transfer until the 4th day.
Product: Money transfer, virtual currency, or money service

Zelle did not send a disclosure message for me to verify a phone number before sending money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/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 XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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.
Product: Mortgage

My FHA loan was sold to a company called loancare about a week after I closed in XXXX. A company called new rez purchased my loan from loan care around XX/XX/XXXX. In the summer of XXXX my insurance needed renewing and apparently new rez never received it. My insurance company sent my insurance renewal notice to loancare, who ignored it, and new Rez never reached out to my insurance for an update Policy. 
I assumed my policy would renew as it had so many years previously so I continued paying my escrow. 

New Rez decided to give me their own insurance which was about 5x more expensive that what I had. They charged me around {$1700.00} for their insurance. I found out my insurance lapsed because a collections agency called me saying I owed a fee to nationwide that went unpaid. That same day I found out what was going on I purchased new Insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score. 
This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with Possible XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.
Product: Credit card

While booking a flight on XXXX XXXX, i was bombarded on every screen about a credit card offer. The offer said that if approved for the card, you would get a {$250.00} statement credit towards the purchase of that airline ticket. I applied, was approved and then they did not give me the number for the card in order for me to be able to purchase the flight. I spent HOURS on the phone with all departments from Citi and was transferred around, lied to and hung up on. Multiple people told me i was supposed to get this temporary number and kept transferring me to " the correct department ''. After becoming frustrated with no one helping me, i gave up. I have now lost out on the flight and seats I wanted at a specific price, AND i wasted a hard inquiry on my credit report for this nonsense. This is a blatant false advertising and bait and switch fraud.
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ) BLOCK AND REMOVE
Product: Credit reporting or other personal consumer reports

COMPANY : XXXX XXXX FEDERAL TRADE COMMISSION - IDENTITY THEFT REPORT FTC REPORT NUMBER # XXXX AMOUNT : {$4500.00} I CURRENTLY HAVE A FRAUD IDENTITY THEFT/ FRAUD CASE ON MY CREDIT REPORT ACCOUNT. A RESULT FROM NUMEROUS FRAUDULENT CREDIT ACCOUNTS ON MY CREDIT REPORT WHICH DO NOT BELONG TO ME AS WELL AS MULTIPLE SOCIAL SECURITY NUMBERS ON MY CREDIT REPORT. I HAVE TAKEN ACTION BY OBTAINING THE IDENTITY THEFT REPORT, OBTAINING PROPER DOCUMENTATION AND FORWARDING THEM TO THE CREDIT BUREAS. HOWEVER, THE CREDIT BUREAUS HAVE STATED THAT THEY CAN NOT REMOVE THIS ACCOUNT AND THAT I NEED TO CONTACT XXXX XXXX  DIRECTLY. 

THEREFORE, I PROCEEDED IN CONTACTING XXXX XXXX REGARDING ACCOUNT NUMBER ENDING IN XXXX. I STATED THE IDENTITY THEFT CASE AND ATTEMPTED TO PROVIDE THEM WITH DOCUMENTATION TO ASSIST ME IN THE REMOVAL OF THIS FRAUDULENT ACCOUNT WHICH DOES NOT BELONG TO ME. ESSENTIALLY I AM REQUESTING JUSTICE. 

THE XXXX XXXX REPRESENTATIVE STATED THAT THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT I CAN NOT APPEAL OR OPEN THIS CASE. THEY DID NOT ALLOW ME THE OPPORTUNITY TO PROVIDE ADDITIONAL DATA, DOCUMENTATION, OR FORM TO APPEAL OR OPEN THIS CASE. THERE WAS NO FORM OF A FAIR JUSTICE IN PLACE. 

IRONICALLY, I PREVIOUSLY HAD A SECURED CREDIT CARD WITH XXXX XXXX WHICH I CLOSED IN XXXX, THE STATUS ON THAT ACCOUNT READS, " PAID AND CLOSED ''. I CURRENTLY HAVE A NEW SECURED CREDIT CARD OPENED IN XX/XX/XXXX AND A CREDIT CARD OPENED IN XX/XX/XXXX, BOTH ARE IN GOOD STANDING AND REFLECT AS " OPEN/NEVER LATE ''. 

AFTER CONSTANT PERSISTENCE FROM MY BEHALF WITH THE XXXX XXXX REPRESENTATIVE FOR A DETAILED DESCRIPTION WHICH I AM ENTITLED TO, THE REPRESENTATIVE AGAIN REPEATED THAT THERE IS NOTHING THAT CAN BE DONE FROM MY BEHALF BECAUSE THEIR TEAM HAS ALREADY COMPLETED INVESTIGATION. HE THEN MENTIONED THAT THERE ARE LINKED WELCOME KEYS AND PHONES WHICH JUSTIFY THEIR INVESTIGATION. I THEN MENTIONED TO THEM THAT THAT IS NOT SUFFICIENT JUSTIFICATION TO HOLD ME ACCOUNTABLE FOR AN ACCOUNT THAT DOES NOT BELONG TO ME, AS THIS IS AN IDENTITY THEFT CASE. THEREFORE, THEIR REASONING IS NOT SUFFICIENT, ESPECIALLY IN THIS IDENTITY THEFT CASE WHICH INVOLVES WHICH CAN INVOLVE CYBER ATTACKS, HACKS, IP ADRESS HACKING, AND THEFT OF IDENTITY. ALL OF WHICH I AM A VICTIM OF. 

THE REASONING FROM XXXX XXXX IS NOT VALID, IT DOES NOT TAKE INTO ACCOUNT THE CURRENT INFORMATION TECHNOLOGY AGE WHERE THESE IDENTITY THEFT CASES ARE INTERTWINED WITH HACKS OF IP ADDRESSES, HACKING ATTACKS, LOCATIONS, PHONES, AND PERSONAL INFORMATION FROM NAMES TO SOCIAL SECURITY THEFT. ALL OF WHICH I AM A VICTIM OF. 

I NEED FAIR JUSTICE, THIS IS INJUSTICE FOR ME. I DID NOT OPEN THE ACCOUNT ENDING IN XXXX, I AM A VICTIM OF IDENTITY THEFT AND AM NOT RESPONSIBLE FOR THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX account XXXX has violated my right. 

15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604A section 2 its also state consumer report agency can not furnish an account without my written permission. 

15 USC 1666b a creditor may not treat a payment or credit account under plan as late for any purpose.
Product: Checking or savings account

Wells Fargo is stating that I had opened an account with them. And that my account went overdrawn. That i know owe them almost XXXX I never did any of this and have given them everything they need. Dont understand why they keep calling me over and over in regards to this. Said they spoke with me in XXXX. In XXXX I was in the hospital and pretty much in a delusional state and very ill. I dont remember talking to them and i believe they took advantage of me during this time. Especially given I was not in my right atate of mind when i talked to them. I just want this to stop. I cant keep going on with this
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Inquiries XXXX. XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I received my billing statement from XX/XX/XXXX ( Jet Blue Credit card ) Barclays ; with charges up to {$5000.00} from XX/XX/XXXX thru XXXX, XXXX, not authorize by me or anyone I now. This were made at various XXXX XXXX in XXXX NY, XXXX XXXX, XXXX NJ, in the amount of {$2000.00} XXXX NY, {$450.00} XXXX XXXX in XXXX NY, {$38.00} XXXXXXXX XXXX XXXX NJ, {$210.00}, XXXX NY, {$120.00}, XXXX XXXX XXXX XXXX {$75.00}. I reported this charges to the credit card and they claim that they did an investigation and made me responsible for the charges because the card was in my possession. I did not made this charge. I gather evidence of my whereabout on the days os the charges. I went to the police and made a report, went to court for advice and they were not able to help me also went to the DA 's office, consulted a lawyer and no one was able to help. I had tried for month to clear this and it's had been impossible.
Product: Vehicle loan or lease

My auto loan with Navy Federal Credit Union ( NFCU ) was opened on XX/XX/2018. 
Upon review of my credit report I discovered that NFCU was reporting my loan as being paid 30 days late around XXXX 2018. 
I receive SSDI and am paid direct deposit into NFCU no later than the XXXX and every month call them personally so that I can access my pending deposit into my account a day early. They require that any payments owed to them such as my monthly mortgage payment and auto loan be paid in full and made current to do so. At that time, I authorize NFCU to pay those accounts by the representative I am talking to and then I can access my account. 
Despite a lawsuit against NFCU, they continue to limit access to my account when I am overdrawn or a payment is past due. I am redirected to what they call my delinquent account page which is a white screen and limited access to view my accounts. Every single month its the same thing despite being able to look at my account to understand I am paid once a month and have always brought my accounts current. 
I contacted NFCU several times regarding this late payment and am told that I have access to the exact same information they behave and XXXX 2018 is too old to access certain details. I was request to speak with an account rep was denied on my last call. While reviewing my account information I discovered transactions that were confusing in addition to a late fee that is assessed every month and added to my auto loan balance despite that loan being paid usually within what is commonly known as a grace period although it is difficult to find such information on their website. 
At no time over the course of 1 year was I ever informed of a 30 day late payment although I did have that loan adjusted at some point to a lower interest rate and payment because of financial hardship and having excessive medical bills and issues with my spouses health. Currently my account status on my auto loan is current and I have not made a double payment to account for any payments not being made because I would know given my limited XXXX income. If there was a mistake in making the payment then the burden is with NFCU because they are the ones handling the account and the payments at the same time my pending funds are released. 
I also question my escrow account and my FHA mortgage serviced by them. My escrow account was reduced because of Homestead and my property taxes went from {$770.00} annually to {$100.00} annually yet my refund was for only {$210.00}? Taxes were escrowed when I closed in XX/XX/2018 for the {$770.00} tax bill due XX/XX/2018. It was explained that they had to escrow for the lower amount also but should they not have much more in escrow pre-paids as well? No one has answered my concerns despite inquiring twice about this.
Product: Vehicle loan or lease

I am writing to address a concerning discrepancy regarding my auto loan account, number XXXX, which has been causing considerable confusion and frustration. 

Attached, please find a letter dated XX/XX/XXXX, referencing the aforementioned account and indicating that my auto loan was paid in full. Following receipt of this letter, I contacted Bank of America and was assured over the phone that the loan had indeed been settled, and I would receive the clear title imminently. 

However, despite these assurances, the title never arrived. Upon reaching out to your bankruptcy department months ago, I was informed that there is still an outstanding balance on the account. I called back today and was told that the loan was no longer with the bankruptcy department. Subsequently, I was advised to contact your escalation department for further clarification. Regrettably, the situation remains unresolved, and I am left with more questions than answers. 

Furthermore, I have attached a copy of the refund check issued by Bank of America, which only adds to the confusion surrounding this matter. 

I implore you to expedite the resolution of this issue as a matter of urgency. The conflicting information and lack of clarity from your end have been incredibly disheartening and frustrating. I trust that your team will investigate this matter thoroughly and provide a swift and satisfactory resolution. 

Thank you for your prompt attention to this matter.