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

On XX/XX/2020, I called Bank of America customer service to close my checking account. After the horrible service I kept receiving from BOA employees regarding the scam complaint I filed, I decided I had had enough. The person whom I spoke to on XX/XX/2020 stated to me that they would close my account and I would receive a check in the mail within 7 - 10 business days. 

Lo and behold, it has been almost a month, and I have STILL not received my check with my funds. I have called Bank of America now 7-10 days. Each time I call, an employee tells me a different thing. The first time I called, the employee stated that the cashier 's check had been mailed out on XX/XX/2020 and that I would receive it within a few days. A few days passed and I still did not receive the check, so I called again. The next employee said that my account still had not been closed! She put it an order to close it which she said would take 3 days and then I should call back on the 3rd day to confirm. I called back 3 days later, and the employee said it had been closed and a check had been mailed out. Days passed and, as usual, I did not receive the check. I called again, wondering where my money is. EACH time I call, an employee tells me a different thing. This is now XX/XX/XXXX. The employee I called today said the account had been closed on Monday, XX/XX/XXXX. XX/XX/XXXX is the date the last employee said I would receive my cashier 's check in the mail. Now the employee I called today says I will receive it within 7 - 10 business days. 

The frustration I feel with this company is indescribable. I feel like I have to hold BOA 's hand to get them to do the most simple thing like closing an account. Each time I ask for a tracking number, telling them the same info - that I've called since XX/XX/2020 and each time a call a different employee tells me a different thing, and I do not want to rely any longer on their statement of when the check will come - they say they are unable to give me a tracking number or even the postal office used to mail the cashier 's check. 

This is now my second ( formal ) complaint regarding the horrible customer service at Bank of America. In the middle of a pandemic, BOA customers can't even rely on their bank to help with the most basic needs and I am so extremely tired of having to call several times to find out where my money is. Each time I call, I spend between 10 - 30 minutes on the phone with an employee. Each time I call, it is time I do not gain back that I could be using to study as a student and I am honestly just so tired of having to deal with this company. I am appalled at the low quality of customer service and the calls I have to make just to ensure I receive my funds in a timely manner. Not to mention I am a student who decided to take my business elsewhere after my experience with BOA regarding a recent scam. Now, I have yet another issue with this company where I have to call every few days to see where my money is - money that I use as a student for living expenses, food, other necessities and money I use to send to family members who need the little extra money I have.
Product: Checking or savings account

I have filed a complaint in XXXX. The results were not in my favor. I was scammed out of {$96.00} and Key Bank or this Consumer Finance Protection Bureau did nothing to protect my assets. The letter written to you was nothingjust fluff. She didnt have the numbers correct. The so called company scammed twice both times charging twice. Yes they gave back three of the charges only to keep the largest amount. I know that I am just a nobody to you. A single XXXX XXXX XXXX woman on XXXX. That money was intended for XXXX presents for my grandsons. I really thought writing to you would get action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??
Product: Debt collection

XX/XX/18 at XXXX a man called me from ( XXXX ) XXXX XXXX XXXX , CA . He identified himself as XXXX and said he was an Attorney that had been retained to collect a debt. He knew personal detailed information about me and my assets. I told him I wasn't aware of any debt, he then told me a summons had been mailed to me and if I didn't appear in court I would be arrested. 
I began to ask questions about the debt ... he got very rude and said I had already been made aware - at this time I needed to make a payment of {$800.00} to settle the debt or my car would be repossessed. 
He told me if I haven't made a payment by Monday XX/XX/18 he will be moving forward with court proceedings to have my vehicle taken ( which he knew the specifics of ). 
I'm not sure if this is a scam ... but, this phone number came up on a XXXX search and I have never received any letters from a debt collector or an Attorney.
Product: Debt collection

i called arcadia recovery on monday XX/XX/XXXX at approx XXXX and spoke with a female agent who disclosed that the payment i sent in for {$250.00} was just processed on the day of my phone call. on wednesday at approx XXXX i was contacted by a male agent did n't get his name, he made numerous mentions to speaking with me prior to his call that I do not recall being he had a distinct sounding voice. I mentioned to him that I had just verified the debt being paid in full and all of a suddewn this male agent was calling regarding an additional charge of {$100.00} dollars being owed from XX/XX/XXXX. I requested a full transcript of the accounts that they ( Arcadia ) have regarding my ssn # that needs to be paid. This harrassment needs to be regulated and stopped, i 'm making amicable attempts to resolve these matters as best possible with the resources at my disposal.
Product: Credit reporting or other personal consumer reports

I applied for credit and was denied as the XXXX report showed delinquency when the accounts were being paid through XXXX XXXX bankruptcy. This resulted in denial as it appeared I misrepresented what I put on my credit application. I wrote to the credit bureaus and their response was it remains 'NO CHANGE NEEDED. ' Additionally, I advised that the bankruptcy has also been XXXX and requeested to be updated and this matter was not even addressed in their short response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my prior complaint on XX/XX/XXXX. There are items in my credit file that are erroneous and needed attention. please block or remove these items in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX The addresses listed are not my home address, The account is inaccurate and fraudulent. XXXX seeking XXXX. The inquiries are unauthorized and fraudulent. Please delete the items at once.
Product: Checking or savings account

I joined the program XXXX XXXX XXXX on XX/XX/2023 with XXXX XXXX to get trained how to work in XXXX and XXXX XXXX. Her company request for you to get a financing to pay the program for a value of {$160000.00}, and financing {$90000.00} for a monthly payment of {$190.00}. the money will cover your training, support and starting your business with XXXX. I got only 2 classes and had paid {$1200.00}. 
I heard from my trainer that they went bankrupt, but not one had notified us. Some of trainers formed a group called XXXX XXXX, and stated they had nothing to do with XXXX XXXX XXXX, and only asking foe {$1.00} to continue using the platform. 
I got an Email for the first time from their third party XXXX XXXX XXXX Universal Account Servicing , LLC, sending me my account and details to open their [ platform. I opened and all my deductions were there, but they were asking to pay thru there, I clicked, and it said that I was not enrolled for autopay. I call them at XXXX and a girl told me that I was not enrolled in autopay. I told her that the Company XXXX went bankrupt and I could not continue paying. She told me to call another number XXXX and a man answered and hung the phone in the middle of my conversation. Then hung again. I notified my Bank to stop withdrwals. Be carefull there are a lot scammers.
Product: Money transfer, virtual currency, or money service

Account closed money gone and transactions I didnt make
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion is an consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX  the financial institution and the Consumer reporting agency Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion and XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Portfolio Recovery Associates appeared on my credit report recently this year and I never heard of them. Upon further review they are a debt collector and had an account for XXXX XXXX for a person whos name I never knew. The provided me with the supporting evidence they have that I am on the account. Yet as you can clearly read my name is not on the account and or any supporting documents and Portfolio Recovery Associates also misspelled my name on the letter head they sent to me. The documents state a purchase was made XX/XX/2014 at XXXX for the amount of {$1900.00} with a cardholder not my name or signature. Another purchase was made XX/XX/2014 at XXXX for the amount of {$850.00} with a cardholder not my name or signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Around {$2000.00} was taken roughly unauthorized from XXXX XXXX along with other merchants as well I tried to dispute with my bank & nothing was resolved
Product: Credit card

I was offered a credit card that I did have to apply for and it was only after I activated my card did I find out that there was a {$250.00} annual fee plus $ 25 monthly fee. This is a scam. Milestone Mastercard.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX, I contacted LoanCare Mortgage company in regards to the constant late payments reported to my credit while the loan was in forbearance. The length of the forbearance was during COVID-19. When I contacted the company, the representative stated there was a past due amount that would be rolled over and I asked why I wasn't notified of the late payment. I was never provided an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVABLE MGMT SVCS at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : RECEIVABLE MGMT SVCS, The Receivable Management, and The Receivable Management Services LLC, violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish.. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. failing that, the item must be deleted from the report as soon as possible. 

Creditor agency : Phoenix Financial SE {$1800.00} the listed item is completely inaccurate and incomplete, and is a very serious error in reporting. please delete this misleading information, and supply a corrected credit profile all creditors who have received a copy within the last 6 months, or last two years for employment purposes. 

Additionally, Please provide the name, addresses, and telephone number of each credit grantor subscriber. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description the procedure used to determinate accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of completion of your re-investigation. 

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

I contacting the credit bureaus over TransUnion over 60 days ago and they have yet to comply with what I asked the to do. I recently got a copy of my credit report and found some information and account that didnt belong to me. I asked for the accounts to be investigated and they failed to do so.
Product: Credit reporting

XXXX XXXX XXXX Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc, ) due to inadequate customer tne consumer financial practices, which violate never got refunds
Product: Credit card or prepaid card

In regards to a XXXX  small business card I have called to make sure was active. I was told the card could be used at XXXX XXXX, I went in for service and discriminated against. The video can be downloaded for free as a guest at this link - XXXX XXXX XXXX Futhermore the credit card company has provided false advertising in regards to the terms and use of the card.
Product: Debt collection

I have notice that the account # XXXX in the amount of {$50.00} keep showing up as a collection account on my credit reports. I have been disputing this account as well as others I have paid in full. The others are not showing on my credit reports, but this remain on it. I have got tired well it just {$50.00} I will pay it again to get it removed immediately from my credit reports. When it get in touch with Receivable Recovery she tells me I have several accounts. I explain to her those account have been paid in full. That I am willing to repay the {$50.00} not the other accounts. She seem she didn't want to here that. So I need help to get account # XXXX paid and deleted from my credit files.
Product: Debt collection

Carmax continues to violate my Federally protected consumer rights. These violations have caused hardship and distress upon my estate, to my reputation and to me personally. I have attempted to settle this matter without taking legal action and this is my final attempt. In XX/XX/2021, I sent a cease and desist letter and Carmax has since committed several violations of my rights stated in the letter. 

In this letter, I requested validation of the alleged debt via audit trail, pursuant to 5 USC 552 a ( d ), which states : ( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; Carmax has failed to validate this debt with the original creditor. They have failed to present the original source of funding for the consumer credit transaction. 

In this letter, I also directed Carmax to remove any derogatory remarks to my consumer report. Attached you will find 2 screenshots : the first one, they zeroed out my account. In the second one, they report that the debt is charged off as bad debt and that the dispute has been resolved. That is false and harmful to my reputation. This is also a violation of 15 USC 1681d. 

As stated in a previous complaint, and Carmax also authorized and released my private location information to a third party, who attempted to steal my property and threatened that more people would come to my home to attempt to do the same. This is a violation to my privacy and to my safety and to the safety of my family. 

This is just a few of the violations committed by Carmax that have caused me harm. These violations are willful and malicious.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lack posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for a similar practices where transactions settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions