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

I have been a Bank of America customer for over 25 years. I have several bank accounts including an IRA account with XXXX XXXX over {$170000.00} plus checking/savings accounts totally over {$25000.00} On XX/XX/2022, I walked into the bank and deposited XXXX checks from the City of XXXX ( {$5000.00} ) and XXXX XXXX XXXX ( {$12000.00} ) ( both government entities ) with a teller into my checking account at Bank of America in XXXX, CA. When I asked the teller if there would be a hold placed on these deposits, he stated that the funds would be available the next business day. I was told that there would be no hold placed on the funds.In fact, the funds were credited to my account and made availble the next business day. 

However, on XX/XX/2022, the bank withdrew and deducted XXXX of the deposits for {$12000.00} and placed a hold on the funds for XXXX business days. I received a letter from Bank of America ( attached ) confirming this deduction. These are not personal checks. They are checks from government entities and should be honored per federal law, I should have been able to withdraw or use the full amount on the next business day because I made the deposit in person to a bank employee. 

Today, I called Bank of America and spoke to an employee asking to resolve this matter and return the funds to my account. He stated that the check could not be valid and they needed days to verify the funds even though the check is drawn on an account with XXXX XXXX XXXX. I told him that this was unacceptable as I was told that the funds would be available so I could pay my bills. He said that was BofA 's policy and I then stated that I would file a complaint to try and get my funds released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the Equifax breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with them they finally DISPUTED them but after receiving the results they were not deleted! I called them back and they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX Equifax XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX  XXXX XXXX Late Date XX/XX/22, XXXX XXXX XXXXXXXX Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the Inquiries that are being challenged 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: Student loan

1. Nelnet is billing me, after only 90 days from graduation, for the old student loans. 
2. Nelnet is not allowing me to have a deferment. 
3. Nelnet is billing me for {$10000.00} more than expected on my total amount due.
Product: Credit card

Ciribank alerted me about some potential fraudulent activities on my account in XX/XX/year>. However, instead of going to the bottom to resolve the problem, it just kept the fraudulent activities on the account but suspended the account and then transferred them to a new account as if they were legitimate transactions. Citibank started charging Late Fee and interest on the fraudulent transactions although it knew they were transferred from the suspended account due to fraudulent activities. 
The ways Citibank handles this matter are inconceivable and absurd! 

The account Citibank suspended due to Fraud was XXXX XXXX XXXX XXXX The new account Citibank set up to take the transactions from the above account was XXXX XXXX XXXX XXXX I have requested the closings of all these accounts and have not received any formal response to date. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

Hello, This is a complaint about LoanCare LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.myloancare.com/pub/index.html # /Login I have been trying to make a loan payment Online, but their online payment system is preventing me from making a payment. I have called customer support multiple times, but they have been unable to accept my payment. They never respond to my repeated inquiries telling them that their payment system is not working for me. They do not get back to me so that I can make a payment, and now if I send a payment by snail mail it will be late. I have an agreement to come out of forebarence, but all this is preventing me from making a payment. 

Their automated voice system leads people down paths an incorrect path, so that they have difficulty reaching customer service and prompts people to leave a message with the company. Only by choosing an incorrect option was I able to reach a person. On XX/XX/XXXX I was on hold for over 30 minutes just to reach a person. That customer service agent was not able to process my payment - she said the system wasn't working for her to push my payment through, and had to get a supervisor involved to figure out how to accept a payment over the phone. I don't expect to hear back from them, and she could not give me her direct phone number so that I could contact her later. 

Their accounting practices appear to be incorrect often. I had a support ticket out for 3 months ( starting XX/XX/XXXX ) to resolve an issue where I had made a payment of {$12000.00} toward my mortgage loan. On XX/XX/XXXX I paid {$12000.00} toward my mortgage which was classified as 'other '. I saw on my account showing XXXX payments of {$3200.00} each toward 'principle ' which adds to {$9600.00}. This left {$2300.00} un accounted for. No one ever responded to me to resolve the issue. I checked today ( XX/XX/XXXX ) and there appears to still be {$98.00} unaccounted for. 

Something fishy is going on over there, or at the best complete incompetance and these people should not be handling our money if they can not keep track of where it is.
Product: Money transfer, virtual currency, or money service

All ofXXXX when I sent money and receive it it all adds up to about XXXX
Product: Credit reporting or other personal consumer reports

On [ XX/XX/year> ], I discovered that a fraudulent account from Elan Financial Services, which had previously been removed from all three major credit bureaus ( XXXX, XXXX, XXXX ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft.

However, despite compliance with federal law and confirmation of removal, Elan Financial Services and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting.

FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm recording this grumbling against them is that Government Law expects them to react within 30 days yet they have neglected to react. prior to agreeing with these Government Guidelines by credit revealing offices are explored by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through experian 's website and i noticed two fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report 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: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am making this complaint from my own guidance and that of the ftc. there is no third party company involved with this complaint this is me making this complaint. i noticed that there is an account on my credit that i did not authorize or get on my own accord. i reported it to thhe credit reporting agencies but they did nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Citi - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Credit card

Care Credit charges interest 25 days from the date of purchase, instead of from the end of the billing cycle like most credit cards. With all of my other credit cards, there is no interest as long as the balance is paid in full by the billing date. So if my purchase is not a promotional offer I am expected to pay the balance within 25 days of the purchase date, regardless of whether or not I have got my billing statement yet. How am I supposed to know what charges need paid in order to not have interest if I have n't even been mailed my statement yet? These are new charges, which were not on my last billing statement. When I called to ask why I was being charged interest, I was told I should register with online banking so i could see my purchases and know if a payment was required before the billing date. The customer service representative said all credit card companies have this same policy, which is not true. I have no interest in registering with online banking with this company. I think they are dishonest and plan on closing my account once my balance is paid off. I think this is just a scam to get money from innocent customers. I looked at my bill and no where on it does it say the amount must be paid 25 days from the date of purchase. I used to respect this company, but I do n't anymore because of their deceptive practices.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( XXXX ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with ARS. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.