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

In late XX/XX/XXXX I opened a checking account with Bank of America. I deposited {$100.00} into the account at the time it was opened. On XX/XX/XXXX I received a direct deposit from one of my sources of income, my children 's social security payments. Having the account opened for more than a month I decided to transfer my employment direct deposit into my new Bank of America account. During the pending change with my employer I received my XX/XX/XXXX paycheck by mail, a paper check from my employer. On XX/XX/XXXX I attempted to deposit my paycheck into my Bank of America account via the XXXX XXXX ; however, the XXXX XXXX  advised me that the check would be placed on hold until XX/XX/XXXX. Not wanting to wait that long for my paycheck I decided to go to the local Bank of America branch the next day, XX/XX/XXXX, and speak with someone before depositing my check. I spoke with the teller at the branch on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, she advised me that if I deposited the check that day that the entire check would be available on XX/XX/XXXX and that they would not release any party of my check until the XXXX. The bank teller even provided me with a bank deposit slip that states my funds of {$1500.00} would be available on XX/XX/XXXX. I confirmed this information by the teller providing me with the deposit slip that clearly states my funds would be available on XX/XX/XXXX. Based off of that information I decided to deposit my check. As of today, XX/XX/XXXX, I still have NO access to my paycheck. I have been told that Bank of America is not going to release my funds until XXXX XXXX on XX/XX/XXXX. Bank of America LIED to me when I was in their bank and took my check based on false information. I have been without ANY of my paycheck for a week and Bank of America refused to release ANY of my paycheck. 
At the time that I decided to deposit my check with Bank of America I had been an account holder for at least 30-45 days, I had money in my account AND I already had one verified source of income being directly deposited into my account. This FRAUD by Bank of America has caused me and XXXX XXXX XXXX XXXX  to endure a financial hardship that only exacerbated our hardship during these trying times due to the pandemic and economy!
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the 30 day late payment marker on my credit report by XXXX should be removed. XXXX made an error where they stopped my auto pay, never notified me that auto pay had stopped, allowed a missed payment to happen, did not send out my statement on time, and never contacted me regarding the missed payment. 

I have had auto pay set up with my roundpoint mortgage from the XXXX time I started payment. Sometime between XXXX XXXX and XXXX XXXX the auto payment stopped. I did not realized it had ended and thus missed a payment. There was never any communication from roundpoint that my autopay had stopped and a payment was not made. No phone call, email, or letter. I did not notice the missed payment until I received my follow on bill. In the attached statement you can see where the statement was sent 1 day prior to the payment being due. 

Once I realized the payment had been missed I immediately paid both the missed and current statements. I also reenrolled in auto pay. No reason was ever given as to why auto pay stopped or why the statement was late. 

I find it disingenuous that roundpoint has dinged my credit even though I have never missed a payment and was relying on their auto payment system. Further I was told it was my responsibility to check my statements but even in that case roundpoint did not get my statement out to me on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts over 10 years both in XXXX balance should be removed from all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XX/XX/XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am grateful for your assistance in removing some of the erroneous credit report entries from my file. There are still a few remaining items that require your attention. This is my 7th complaint that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3600.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - ; XXXXXXXX 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 XXXXTransUnion 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 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  .Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal through XXXX, XXXX, XXXX and XXXX since last week that I NO LONGER have access to my old phone number ( XXXX ) XXXX, which is what they use for their " Quick security check '' page, but they keep INSISTING that I should still have access to my account that is associated with email XXXX regardless. 

This is not true. 

They are GASLIGHTING me. 

As long as they link my old, OUTDATED phone number ( XXXX ) XXXX with my XXXX, then I have NO access to this PayPal account!
Product: Mortgage

Hi I bought a house in XX/XX/year> with 5 % down payment and I had to pay PMI. 
I informed at that time that when my equity in the house reaches 20 %, this PMI will be removed. 
This either market values goes up, I pay more towards the principal. 
That happened when we bought our first house, the market went up and my equity went up accordingly, they removed this PMI Now according to Mr coopers website itself ( the lender ) the equity in the house is over {$99000.00} and also all real estate websites say the same.

I called Mr cooper to remove this PMI, they refused telling me that I should have proofs that I did renovations and upgrades the the hose to increase the house value for them to be able to consider thinking about this issue.

Or the other option to wait for 2 years, while still paying this PMI, and talk to them again.

I tried to explain that I already have more than 20 % equity which qualifies me to remove this private mortgage insurance, they refused.

Even, I told them that this happened before with me personally, they refused.

I clearly said that I will file a complaint that they are actually stealing my money, never cared.

Dont know what to do with them. 
Thanks
Product: Checking or savings account

Bank of America closed my account and said they dint have to tell me I told them XXXX might have my info and be in my account they didnt care a guy pretended to be prosper market place and instead of a loan he got into XXXX account and stole my money XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Identity theft, and I am hoping the Consumer Financial Bureau and the FCRA can assist me getting my financial life back together. All the accounts listed below are fraudulent and should be deleted immediately.

WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT and nothing has been doneAccount Name : 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 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I have been working with Coinbase to restore access to my account, I need to obtain a w9 for tax purposes. My phone number has changed and the account has been locked. I have completed their verification processes and have been following directions and cooperating since XXXX. Still do not have access, I have uploaded numerous selfies with dates and ID, created a duplicate account ; however, when I call and ask to speak to a Manager they do not provide one. I still do not have access to my money or the W9.
Product: Checking or savings account

I opened a new account with Fifth Third last year. I started depositing checks to my new Express account before I opened a Money Market. I am a smart person and understood the process, perfectly. I never once slid the bar across the app to choose " i need immediate funds '' because there was no need for immediate funds. This bank charged me three times for a total of XXXX dollars, XXXX dollars each, and this is not right. I did not chose this and have saved videos on my phone to prove it. 

I have tried to contact the bank but they don't reply except for a form letter. I am a XXXX  person on a limited income but that doesn't affect my brain. I know what I did and what I didn't do. I am very highly technical and did not make a mistake. 

This is a glitch in their system and they refuse to help.
Product: Credit reporting or other personal consumer reports

Dispute Investigation : I am writing regarding the dispute I submitted on [ date ], which I believe was not handled in compliance with the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681a ( w ) and 15 U.S.C. 1681 ( i ), you are required to ensure accuracy and conduct a reasonable investigation. Additionally, FCRA Sections 604 ( a ) ( 3 ), 611 ( a ) ( 1 ), and 611 ( a ) ( 5 ) ( B ) ( ii ) mandate proper procedures for dispute resolution. Failure to comply may result in statutory damages of up to {$1000.00} per violation, as provided under FCRA Sections 616 and 625. 

The details of the disputed charge-off entry are as follows : - **Original Account Number : ** XXXX - **Current Balance : ** {$230.00} - **Account Number : ** XXXX - **Creditor : ** XXXX XXXX Management Please re-investigate and correct any inaccuracies within 15 business days. If this matter is not resolved promptly, I may pursue legal action for damages up to {$1000.00} as permitted by law. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted me in regards to my bill increasing in price. I immediately switched to XXXX XXXX and attempted to cancel my service to XXXX XXXX XXXX over the phone prior to my billing date of the XXXX of each month. The customer service agent would not cancel my account and told me I could cancel it after I received my XXXX XXXX phone. Customer service agent continued to refuse to cancel my service, even after insisting I wanted it canceled immediately. According to XXXX XXXX XXXX  Terms of service, You may cancel or terminate one or more of your XXXX XXXX XXXX  services at any time, and the refusal of the customer service agent to cancel my service was in violation of these Terms. 

I received my XXXX XXXX phone on XX/XX/XXXX and called XXXX XXXX XXXX once again to cancel it. This time they canceled it. However, I was still billed for the entire month of XXXX, despite only utilizing it for one day over the billing period due to XXXX XXXX XXXX refusal to cancel my service prior. 
A conversation with XXXX XXXX  over XXXX insisted that I was still responsible for the whole bill, and that the customer service agent I contacted over the phone earlier did not log my interaction, and that my most recent interaction was in XXXX. 

I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter on XX/XX/XXXX. They advised me to not pay and to report the issue to my credit reporting agencies, the Consumer Finance Protection Bureau, and The Federal Communications Commission. 

By refusing to cancel my service, XXXX XXXX XXXX violated their own Consumer Service Agreement : 1.5 Termination or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cancel or terminate any of your XXXX XXXX XXXX XXXX at any time.
Product: Bank account or service

Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them.
Product: Credit reporting or other personal consumer reports

On my report the companies that I didnt apply or doing business with are showing. 
These are 4 reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

XXXX XXXX XXXX BMO bank NA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : 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 wich 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

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX XXXX not mine US DEPT ED XXXX not mine US DEPT ED *XXXX not mine USD/XXXX XXXX not mine COLLECTIONS 10 XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine XXXX not mine 07 XXXX  XXXX  XXXX  XXXX {$13000.00} not mine 07 XXXX   XXXX  XXXX  XXXX {$77000.00} not mine 01 XXXX  XXXX XXXX XXXX {$1500.00} not mine XXXX XXXX/XXXX   XXXX {$220.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I am writing due to Equifax reporting information on my consumer report that was not authorized by me which has made my consumer report unfair and not equitable to me. My privacy was breached without my consent and my right to privacy was violated. Equifax never had permissible purpose **15 USC 1681 B ( 2 ) ** to disclose any of my personal non public information. I never instructed Equifax to furnish this report or to create this report. I never consented. I instructed Equifax to remove all of my personal non public information such as payment history, employment history, an addresses and they declined my request. I want to have the information such as payment history, employment history, and addresses removed. I have disputed this information as well as demanded for the information to be removed and my requests were denied. 15 USC 6821 ( a ) ( 2 ) states that furnishing fraudulent information such as late payments is a violation. I have requested that all late payments be removed for my Equifax consumer report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise disabled my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.
Product: Credit card or prepaid card

Discover fail ed to pay me {$300.00} for my credit card account  XXXX   XXXX   XXXX   XXXX .     I spent {$3000.00} in purchases at  XXXX   XXXX   XXXX  using   XXXX   XXXX   in    XXXX   XXXX     ( s hown i n SCREENSHOT 1 ). Under  the terms of promotion,  Discover was   supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was  one I was  enrolled in from   XXXX   XXXX   to   XXXX   XXXX    ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ).     On   XXXX   XXXX   XXXX  ,  Discover finally awarded th e cashback ( shown in SCREENSHOT  3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}.     I contacted  Discover customer  service, where a supervisor named  XXXX  in their  XXXX  office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated.     I am owed an additional {$300.00} from  Discover from  their   XXXX   XXXX   and  Discover Match pro motions, and ask for immediate cash relief.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I cant believe you guys are taking an advantage on me. It's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

I was in the process of refinancing my mortgage to lessen years of payment and drop PMI. My existing servicer, Lakeview, began sending me mail to refinance with them and it would be an easier process and they would beat any deal out there. I had a pending refi application that was due to expire on XX/XX/2019.

I decided to call Lakeview and see what they could do. On XX/XX/2019 I was assured I made the right decision to call Lakeview by a customer service representative. We worked up a great sounding loan over the phone as far as details went. He said I will get back to you in 24 hours to get additional information. I never heard from XXXX, instead I heard via mail a week later that my credit application was denied due to an incomplete application. In the meantime, XXXX did not respond to several emails from me. I called then on XX/XX/19 and was handed off by the first customer service rep to XXXX 's voicemail which hadn't helped me earlier that day when I called and left a voicemail. So I called back and go another rep he gave me XXXX 's manager 's number and I was told I should hear back within 24 hours, XXXX the manager is really good at getting back to people. Now it's Monday the XXXX and i feel this was all a ploy to get my application to expire with the other bank. I'm out of that refi application now and XXXX continues to not return any calls or emails yet has denied me based on an incomplete credit application? I'm not sure what is going on but this is unacceptable.