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

The problem involves the Bank of America checking account holders contact line. I realize that consumers bring more serious problems to you, but I think this problem should be documented as well.
I manage the finances of my former husband, who has a XXXX XXXX My name has been added to his checking account. A new fee has shown up on his statement this month, and today on the morning of XXXX XXXX, 2017 I 'm trying to find out what it 's for. I spent 25 minutes on hold and finally had to hang up. I 'm in a location where my cell does n't work, and I had to make calls for work. I 'm back on this landline now, waiting for them to pick up, and it 's been another 20 minutes of waiting so far.
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Their answering message notes that this is the day after a holiday and there may be long waits on this line. Why, with a company with as much money as BOA, did they not then add staff to handle expected excess calls? People need work. They could fill extra positions with OT, per diem, or regular part time help, if that is the flexibility the bank feels it needs.
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Today is not particularly unusual. I routinely wait at least 15 minutes for anyone at BOA to pick up.
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It 's frankly abusive that a huge multinational corporation refuses to staff adequately in order to be minimally responsive to depositors. I have work responsibilities. I am also a XXXX XXXX. I started my work day two hours early today ( and what a blessing, that my current job allows me this flexibility ), in order to be available to take my former husband to two medical appointments later this afternoon. And yet BOA thinks it 's just fine to keep their staff numbers low and leave it to me, the consumer, to pay with MY time in order to ask them a question that is specific to our account and is not answered in their online FAQs.
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30 minutes and counting.
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Thank you for all that you do.
Product: Debt collection

-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.
Product: Debt collection

This debt belongs to XXXX. We were separated for 2 years and in divorce preceedings prior to her getting medical services for her XXXX with another man which was deemed to be her and the fathers debt by the court. 

The court ordered that all debt from this XXXX be paid by XXXX. 

The court order preceeded the debt collection. 

Some how the debt collection agency is allowed to put a collection debt on my credit report. After speaking with the collection agency, they are unwilling to remove this debt from my credit reports even though mine and XXXX divorce is final and I 've received notice that the funds in our divorce trust will be released which includes the {$300.00} for XXXX medical debt.
Product: Credit reporting or other personal consumer reports

Citizens Bank admitted fault regarding a loan that was returned due to fraud from a XXXX  office. Although they closed the account and refunded me the money, they continued negative credit reporting on my account and this caused my credit score to decrease XXXX  points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted XXXX, Equifax, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to XXXX Equifax, XXXX and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the followig items removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX, XXXX. XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} EQUIFAX MORT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SOL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXXDespite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is reporting inaccurate unfair information and I demand the negative remarks are removed. This account was paid in full and closed and it is being reported as a charge off when in fact it is not. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide such information will result in willful compliance to break the law and the FTC ATTORNEY GENERAL, POLICE, AND IRS will be notified of this infringement.
Product: Checking or savings account

I was misled into putting a deposit down ( through XXXX from my Chase bank ) for a product I didn't ever recieve. I was in talks with a person about getting a dog. We received videos, pictures, and even an invoice to put the deposit down. When the time came to get the dog, the seller asked for more money and denied giving us the dog. We went to the address and they didn't even live there. Following this I submitted a dispute on the two charges ( that came out XX/XX/year> ) {$150.00} and {$50.00}, on XX/XX/year> for not recieving my product ( dog ) and it was denied. I went into Chase and was told they would help turn in my documents again with all the proof including the invoice and it was undeniably fraud ( this was on XX/XX/year> ). Now I am receiving a denial to my dispute again under the pretense that I " Authorized '' the charge. When I called Chase saying that an authorization based on fraud and an invoice is not true authorization I was told by the Chase employee that I would " Never get my money back so just accept it. ''
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
Product: Credit reporting

I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.
Product: Debt collection

I called Recovery Management Services at XXXX on XXXX at to inquire about my defaulted loan. My loan had been on hold due to XXXX XXXX 's exemption promise. It was taken out of hold, and I did not know. It was sent to collections. I got a call from Recovery Management Services in late XXXX. I called today to get my loan out of default, so I can apply for federal student aid for XXXX XXXX 

I told her I need to apply to XXXX XXXX and I told her that at the beginning of the call. She used this precarious position to hang necessary information over my head, such as how to pay off the loan presently, what my login information to do so might be, and what my options to pay were. 

I called the company in order to resolve the issue as soon as possible. I expect decent treatment. This was not he case. The operator told me that my payment was bounced back from my bank, so I could not pay with a payment plan anymore. She said credit card payments were available. She said " we will call you '' unlimitedly and as frequently as they want, to collect the debt. I took this as a threat. The balance is {$750.00}. I was taken aback, and told her I did not want to argue, just to know my options. She told me there was no payment plan available, and reiterated that it was because my ACH bounced back, so I asked if I could pay another way. She said the balance needed to be paid in full, and could be done online. She began to change the information, saying I could make multiple payments though the month of XXXX. I brought my dad on the phone, feeling suspicious about her inconsistent information. I told her he was there. She then said, I had until the end of XXXX to pay the loan, not that it was due now, as she said before. She finally changed her information, saying I had until the end of XXXX to pay the loan, and that I could make several payments online to do so. This was a complete change from the information from the beginning of the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out the form on XXXX to get my credit report from TransUnion, as I have done in years past. Upon redirecting to the TransUnion site, I was not asked any identity questions. Instead, the site took my directly to an error page ( XXXX XXXX XXXX XXXX ) that said : " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. 

What to do : To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. 

Alternately, to request your Free Annual Credit Report by mail, return to XXXX to download the request form. '' Seems like something is broken with TransUnion 's interface to XXXX. This makes it more difficult for people to obtain their free credit report.
Product: Debt collection

XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of unauthorized accounts on my credit report due to identity theft. I have recently been a victim of a data breach, resulting in fraudulent accounts being created in my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am exercising my right to have these accounts removed. 
Details of the Unauthorized Accounts : 1. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} 2. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} 3. Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Product: Debt collection

This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Mortgage

We contacted XXXX XXXX XXXX XXXX in mid XXXX to see about getting preapproved for a VA home loan. They came back said we were preapproved, so we went ahead and put in an offer on a home. We continued with XXXX XXXX XXXX XXXX. We turned in all paperwork they wanted and everything was approved. We had several closing dates but due to what they say was VA inspector report being submitted late it put our closing off. We kept in contact with them everyday, signing all disclsures. We got home owners insurance and a home warranty. We finally got a closing date of XX/XX/2019 at XXXX. They call and said they had to push the closing to XXXX cause their people didnt finish with paperwork yet. So we made sure it was going to happen and they scheduled the closing with title company. We went and got all the utilities put in our name, got a uhaul and began loading on XX/XX/2019. XXXX XXXX XXXX XXXX XXXX XXXX called and said there was a problem with the VA entitlement not being enough for the loan and that they will try to get it fixed but that we may have to change to USDA loan also at 100 % financing and would be approved but itbqould take another 2 to 3 weeks. Meanwhile they knew that our lease was up with our apartment on XX/XX/2019 and we either had to try to renew this late in stage or move and if we cant renew lease or get the house that we would be homeless. He said there was nothing he could do that his people messed up and didnt fully get everything done properly. So now we are out about {$500.00} for utilities and uhaul costs and we may not be able to stay at our apartment which then we will be homeless due to their mistake.
Product: Debt collection

IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT. 

ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT. 

I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED. 

ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting XXXX different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
Product: Debt collection

Original debtor was XXXX XXXX XXXX XXXX The last payment I was able to make to XXXX XXXX XXXX was of {$50.00} on XX/XX/XXXX. Before the my ex-husband and I became XXXX and lost our house to foreclosure during the economy crisis of XXXX!!! 
On XX/XX/XXXX Summons/Notice to appear for pretrial conference was served. 
On XX/XX/XXXX, Asset Acceptance , LLC filed a judgement for {$4800.00} On XX/XX/XXXX the above judgement was " Deleted '' from my credit report. 
On Friday XX/XX/XXXX ( 10 years from my last payment to XXXX XXXX XXXX XXXX ). I received an " Unofficial '' ( Continuing writ of garnishment against salary or wages from Asset Acceptance , LLC. ) for the amount of {$5200.00} On Friday XX/XX/XXXX I received a letter from my employer because " Asset Acceptance , LLC served them without my authorization. My employer provided a letter to me saying that {$320.00} will be withheld beginning XX/XX/XXXX per pay period which is bi-weekly. I am a head of household with XXXX minor children who are my responsibility to support. The amount the debt collection agency wants to collect from my paychecks is absurd and at no given time have I acknowledged anything with them. Plus 10 years have passed since I last made a payment to XXXX XXXX XXXX. and 6 years have passed since Asset Acceptance , LLC filed the judgement that has been removed from my credit since XX/XX/XXXX. I also currently have a XXXX plus debt in student loans that I am responsible for to whom I only pay {$100.00} a month because of my household size and income. Thank you for your time and understanding. What Asset Acceptance , LLC wants to do will cause great hardship to my family of XXXX. Since I am the head of household and only adult in the home. Plus this violates the statute of limitations in the state of Florida which is 5 years. All of the above is XXXX years old and older.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have been unable to resolve fraudulent inquiries on my consumer report despite multiple attempts. These inquiries are not associated with me and have caused significant mental and financial distress, hindering my ability to purchase my dream house and provide for my family 's needs.
Product: Debt collection

On XXXX XXXX I received a call approximately XXXX XXXX EST as a former collection rep I know that thus was in direct violation of my FDCPA, Ive reached out to the company on several occasions but nothing has been done. Also as a direct violation the company is suppose to issue a {$2500.00} remediation amount for each violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the list of items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I sent a dispute to XXXX XXXX on XX/XX/24. Experian never wrote back because of this I need my account removed because Experian is violation the Fair Credit Reporting Act for not responding or processing my dispute.