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

I opened my first business checking account with Bank of America in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX, I went to XXXX for a family emergency. During my visit on XX/XX/XXXX, I received a - {$800000.00} in my account and had no idea what was going on so I called Bank of America regarding this. They said it is due to chargebacks they have received and they have put a hold on the account while they review my account. When I came back at the end of XXXX, I received a letter in the mail stating As of XX/XX/XXXX, " We've made the decision to close your deposit account '' and told me what I cant do with the account. On XX/XX/XXXX, I received another letter saying They have closed my business checking account with {$6700.00} in it. I called customer service regarding the funds and they said I would receive it in 10 business days. A couple weeks later, I received another letter stating on XX/XX/XXXX, they will be reviewing the transactions and I should call their department for any questions regarding this matter. It's been almost 6 months now, I have not been informed about the funds in my account or when I will be receiving it. Every month, I keep calling them or going to the branch for updates and seeing if there is a way for me to help them resolve this issue to receive the funds as soon as possible. During the time I have called, they have said that a different upper department is handling the issue and I would have to wait for them to finish their investigations. They also indicated there was a {$500.00} overdraw in the account which I or any branch managers have not seen. I have requested a statement and not even the statement includes any amount about this. Since XX/XX/XXXX - XX/XX/XXXX, I have received letters " requesting reimbursements for the checks returned to them unpaid after deposited it '' which I have. These chargebacks are mostly back from XXXX. They have been a total of {$2500.00} and I have paid back every XXXX to the bank on time. On XX/XX/XXXX, I spoke to a supervisor, XXXX, about this issue. I have told him it's been more than 6 months since you guys stated you will close my account. My last real update was XX/XX/XXXX and no one can give me any updates, when I will receive my funds, or let me know if I can help them in any way to move this process faster. I also stated him, no one, especially me, can not run a business without any funds. I have fulfilled the customers orders with my own funds which includes paying for software, employees, etc. I did feel like XXXX did take my concerns seriously and wrote an email/message to them, the upper department, regarding this issue. XXXX also stated I should receive an update that following Friday, XX/XX/XXXX. Since that day, there has not been any updates on the funds or from the upper department, I have not been able to speak to XXXX or any supervisors, and my business has been on pause/hold since then.
Product: Mortgage

The loan servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. A letter from Shellpoint dated XXXX/XXXX/15 said that effective XXXX/XXXX/15 Shellpoint was responsible for ongoing administration of my loan including receipt and processing of my mortgage payment. I called on XXXX/XXXX/15 at XXXX CST and spoke and emailed a copy of the " boarding '' letter to XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make a mortgage payment and was told they have no record of the new loan even though he agreed they sent the letter. He told me to keep calling back until the loan is loaded onto their system. They have no system in place to call me back or allow me to speak to anyone further at this point. 

I have another loan with Shellpoint that they have serviced for some time. They kept confusing that loan with the recent loan transferred to them. In short there is no accountability. XXXX XXXX had no way to speak to their loan servicing department or the department that was " boarding '' the loan that was just transferred to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a mortgage with Bayview loan servicing. I was personally impacted by the coronavirus and went on the corona forbearance plan as soon as I was made aware it was an option in 2020. I was told it would not effect my credit score and be non-reporting on my credit report. Unfortunately that was not the case and Bayview loan servicing reported it every month. Had I known that I may have chosen differently. It's unacceptable to tell someone they won't be negatively effected by going on Corona forbearance and then destroy their credit the whole time. I would like all of the late payments removed off of my account.
Product: Checking or savings account

On  XXXX   XXXX ,  2017  I received an email from Simple Support notifying me that my account was closed because it did not did not " meet the requirements of Simple 's account agreement. '' It went on to say " Your card and account are blocked so no further deposits, transactions or transfers can be made. '' I was on vacation at the time across the country and this was my only form of money. I was also concerned as I had just bought my mother and I plane tickets home the night before with this account and I saw that while it showed my  XXXX  purchase of {$360.00}, it was also showing that it was being credited back to my account. I emailed Simple Support asking why my account was closed and received no answer. I then called Simple Support and gave the customer support staff my information to verify my identity. I was told I was no longer able to have phone support and that I must email my concerns and they hung up on m e. I called two more tim es and I was hung up on both times. When Simple Support finally emailed me back, the response was " Your account has been closed and we are unable to reverse that decision. Please refer back to our original message as it contains all the information we have to provide. '' I emailed once more asking if the plane tickets I bought were even valid and I have never received another email. I was forced to buy  XXXX  new plane tickets with funds that I did not have and I am now extremely negative in my  XXXX   XXXX   XXXX  account due t o Simple Bank robbing m e.
Product: Money transfers

I initiated a money transfer on XXXX XXXX, from my XXXX bank account to XXXX bank account in XXXX. My understanding was that once I was doing the wire transfer to USFOREX bank. I provided them all the information they asked for, ( who am I, why I am sending the money, who am I sending the money to, etc. ) with addresses and account information. The money was reached in XXXX on XXXX. It just sat there until I reached out to them ( XXXX ) and asked them to release it. USFOREX did nothing but wait. I even got them the release of funds wire transfer reference number from XXXX. And they are still suggesting that it will not go out today. And it was around XXXX, way before the cut-off time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX  from XXXX  XXXX XXXX XXXX XXXX, which lived in XXXX, Maryland. The thing is that M & T bank closed my account without any powerful reasons and put me on their blacklist for no reason when I was trying to start a new account. I was told that my account was closed in XXXX, and I went to the local branch as soon as possible to ask for help, the representative told me they will help me to build a new account but I need to make an appointment on the phone call. After making an appointment I went there in XXXX. When the representative found my account was closed, she said I will be not permitted to apply for any M & T bank services any more in my whole life. After I left I just have something want to ask, such as what about the online application account, and why my account was closed and so on. So I decided to go back there to ask for the questions one more time. However, when I walked into the bank, a bank stuff who was standing on the front desk drove me out because she said the representative need to eat dinner. She said that I can go back to ask for help after 20 mins later. I listened to her and went outside to wait for the permission. At that time, I saw different customers entering into the bank. They can be treated as normal customers but only expect me, a XXXX? 10 mins later on, the XXXX woman who worked in the front desk went outside, then she drove me out rudely. She interrupted my words several times and carried off the representatives name card which she gave me before. She warned me You will not be permitted to enter into this bank any more forever, go to find another bank do you need recommendations? You even can not stand outside of this bank. I was really shocked because I am just a XXXX  and dont do any suspicious activity on my money account. My money transaction history is only for my daily life fee and rent fee. 
In conclusion, I want to report for two things : the first is that why the bank can close someones account without any reasons even for an unblemished M & T bank account record. The second thing is for the racism for bank stuffs. They drove me out and treated me like a dangerous fraudster without any proofs, and treated me different from other American customers. The address of this M & T bank is XXXX XXXX XXXX XXXX, XXXX MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I contacted Equifax Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Equifax on four other occasions that all of the individual tradelines for XXXX US DEPT, FEDLOAN, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.
Product: Credit reporting or other personal consumer reports

I am beyond furious to see a fraudulent account on my credit report. This account was opened without my consent, and its clear that my identity has been stolen. This is NOT something I should be dealing with, and frankly, Im outraged that this is even on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX FINANCIAL MGT SOLUTIONS in XXXX, MD continues to run my credit report resulting in hard inquiries without authorization or notice. 

I have spoke with a collection agent about the matter and asked why are they accessing my credit on a debt that was resolved and deleted from my credit report several years ago. 

The agent stated that he is allowed to check my report resulting in hard inquires by law. He stated that he sees I am " still renting '' and any debt can affect that in the future and he wanted to see if I had any open credit to pay towards " his client '' on a paid debt. 

The debt was settled and removed from all credit agencies, as well as from my rental history in XXXX. In XXXX XXXX this company pulled my credit report and when I called to see why the agent added another hard inquiry to my report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX XXXX 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER STMS.
Product: Checking or savings account

I opened a checking and savings account package with Citibank while there was a promotion for a {$400.00} bonus if {$15000.00} was kept in the account for 60 days. The bonus was supposed to credit after 90 days. During that period, I contacted Citi to confirm that I was eligible and enrolled, and multiple customer service representatives said I was. After I did not receive the bonus, I contacted them again, and they stated they were " not aware of any promotions offered in conjunction with the opening of your account. '' I faxed them over screenshots of the terms and conditions of the promotion, which do not have a specific sign up code required and state " Customer is automatically enrolled when applying online. '' This matches what the previous representatives said before Citi decided to not honor the terms of the promotion.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, experian and XXXX. However, experian is the only credit bureau that has reopened the account and it needs to be removed immediately.
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

My account with BMWF is currently past due for months of XX/XX/XXXX an XX/XX/XXXX, the total amount due shows XXXX as of today, XX/XX/XXXX. I do not know if this amount includes all late fees, returned check fees, etc. I am currently without a phone and am unable to call BMWF to make any type of payment arrangement ( s ). However, I have made payments totaling XXXX to date, amounts of XXXX received on XX/XX/XXXX, XXXX received on XX/XX/XXXX. I will make the outstanding balance, which I show is XXXX by XX/XX/XXXX. I request BMWF allow me this time, hold off on collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is reporting my XXXX XXXX XXXX loan as being included in a Bankruptcy in XXXX. I never filed bankruptcy. The account is current. I just opened the account in XXXX that is when I purchased the vehicle so don't understand why they are reporting it as being in a bankruptcy. 
If they contact XXXX XXXX they would verify that the account is not in bankruptcy and was not even open in XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX my car was in an accident where someone hit my car while i was inside of my office. Kia whom i was leasing my car from took a couple of months before they could deem my car a total loss. Within those few months they expected me to make car payments on a vehicle I could XXXX XXXX because it was completely smashed. XX/XX/XXXX is when they finally deemed my car a total loss and then XXXX is when my insurance company ( XXXX ) sent them a check for XXXX dollars. Kia had told me the car was XXXX or so leaving about XXXX left over. I spoke with different representatives at this company and they all told me whatever is left over they keep because technically i was " renting the car from them '' i received a call in XX/XX/XXXX saying i owed them XXXX XXXX dollars in missed car payments which was not the case as we learned months later i didnt owe them anything because my car was a total loss. fast forward to XX/XX/XXXX my car account was still open with XXXX and i was receiving MANY phone calls about these " payments '' i kept asking them why they couldnt close my account and they said it was never paid for. I proved it numerous times that my insurance did in fact pay for it and didnt know what more to do. Now, since XX/XX/XXXX kia has been consistently calling me telling me i owe them XXXX XXXX dollars for my kia and charged it off as bad debt on my credit report resulting in me having a tough time getting another vehicle or anything for that matter. Can someone help me?
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to report a violation of 15 USC 1681b ( f ), regarding the unauthorized purchase of my information by a collection agency with which I have no contractual agreement. I recently discovered that Portfolio Recovery XXXX XXXX XXXX XXXX has been attempting to collect a debt from me despite the absence of any prior relationship or contract between us. This agency appears to have obtained my personal information illegally, violating my rights under the Fair Credit Reporting Act. 

I would like for the CFPB to investigate this matter quickly and take appropriate action against Portfolio Recovery XXXX XXXX XXXX XXXX for their unlawful acquisition and use of my personal information. I have not authorized any entity to obtain or use my data for debt collection purposes, and I believe my rights under federal law have been infringed upon. 

Please let me know if you require any additional information from me to proceed with this investigation. 

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

To Whom It May Concern, I was looking at my credit report. I noticed a few inaccurate information on my credit report on XX/XX/XXXX. The following inquiries I believe to be fraud as I never authorized them to run my credit or gave anyone permission to run my credit. I have no accounts with these people. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX. Again I never signed anything with these companies and would just like this removed so my credit is accurate. I also have a XXXX XXXX account that I was late once on XX/XX/XXXX. The customer service rep said they would remove it back in XX/XX/XXXX as a common courtesy but from looking at my score it appears was never removed. I also have another late fee from XXXX XXXX back In XX/XX/XXXX and they also they said they would remove it since I've since always paid on time. The reason I was late with those cards was because while working for XXXX XXXX at the time I had got injured on the job.
Product: Debt collection

They call me over and over again every single day, several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXX XXXX  and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..