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

Complaint against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Victim : XXXX XXXX and XXXX XXXX email : XXXX XXXX XXXX ACCT NO. XXXX XXXX XXXX {$25000.00} XXXX XXXX ACCT NO. XXXX XXXX XXXX {$78000.00} ACCT NO. XXXX XXXX XXXX {$43000.00} TOTAL {$150000.00} On or about XX/XX/XXXX , Bank of America closed all 5 of my accounts, without giving cause or reason. as best I can conclude in XX/XX/XXXX I asked them to reopen a fraud complaint regarding {$10000.00} that they erroneously cashed for a person. I speculate that Bank of America 's fraud alert system triggered my account to be closed, as they did XXXX other customers who are in an EDD card class action lawsuit. 

The judge in that case has ordered a preliminary injunction dated XX/XX/XXXX that Bank of America was to return all funds and reopen all accounts closed due to fraud complaints within 45 days. Although I am not part of this lawsuit and the principal class I do fall under injunctive relief actions. The injunction states that the bank is also to give written notice and reason for their findings after they investigate, but to release the funds and not hold the funds hostage. 

Now, in XX/XX/XXXX Bank of America advised that they had completed their investigation regarding the account where the {$10000.00} was removed from and they sent me two checks totaling around {$3000.00}. However, as of today, three accounts only related because I am the principal remain closed with the funds in their possession. as of XX/XX/XXXX they advise that the funds in the amount of {$140000.00} are being held in some unit called their Hold Harmless unit. I have this week sent them a letter instructing them to return my almost {$140000.00} plus interest and I would hold them harmless from anyone who has no claims to this fund and who might make a claim, other than me. 

Now, when I attempt to call or go into a bank they read a note that they are not supposed to tell me anything or answer any questions and that I should mail anything and put it in writing. They have taken the position of not resolving the matter and maximizing damages. 

This has been 5 months and Bank of America has not given any reasons, except they said in XXXX that they could take 90 days to resolve the issue as per banking regulations. It has been over 150 days. Also, the judge gave them 45 days. They have caused my business to be shut down and all my employees to be laid off and they were the bank that our government chose to assist in unemployment EDD funds distribution. It is a joke and not just me, but over 350,000 people are suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

HUNTER WARFIELD has placed an erroneous collection on my XXXX credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with HUNTER WARFIELD. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Product: Credit card or prepaid card

I paid my credit card and it went thru then the next day it didnt so I paid it again, on Monday, I had a negative balance because there was a duplicat transfer, when I filed a claim they said they would resolve it by making a reversal and send me the money back into my account and that didnt happen. So I called the fraud department and they filed it again causing them to reverse both payments which caused my credit card balance to go up to an amount which is not my max limit : my limit is XXXX and now its {$3000.00}, as if I never paid for my card and now its due soon and they still havent send me a check and I spoke with the bank and nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is the only account in the past 5 years that Ive fell on hard times for a brief period and got behind on. Its the only account prevent my credit score from returning to a point at which I can apply for a construction loan to build a new home. If I pay this debt completely off in return will Wells Fargo delete the 4 late payments as a good will adjustment in return? Or not report the account to the 3 bureaus as its not required by the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with this company previously three or so years ago. The account was settled around 2019. I recently contacted the company to ask why reporting was still on my credit report for activity for a settled account. I contacted the company requesting for the tradeline be removed in good faith since the account was settled. They state their policy would not allow them to remove any tradeline. I contacted the XXXX  asking to be contacted by the company regarding the situation and someone did so. Not sure the title or who they were but they called and basically said the same thing to me. Stating they report accurate information. As I informed them one of my cards was lost and it was still showing as two different accounts on my credit and they stated they could removed that account but they could not remove the settled account though it's not a remaining balance. I asked of the remarks for payments could at least be removed if they didn't want to remove the tradeline. They still stated no. So I basically paid the account in good faith for no reason. This company did not make it aware to me when settling I would not be able to remove the tradeline. This should have been stated. Also there is no reason to update the account of information when it has been closed. The lost or stolen card account shall be removed from my report if the other has still been showing
Product: Debt collection

All of my debts were paid over XXXX  years ago and I have not been to a doctor or a hospital in over XXXX  years. This collections account from Wakefield and Associates randomly appeared on my credit report in XXXX. This account does not belong to me and this account is not mine. I reached out to the collection agency to request proof of debt and proof of the origination of the debt. I also requested proof of where the debt originated. They did not respond or provide the requested information. This company is a scam and they are a fraudulent company. This is not my debt.
Product: Debt collection

I have reached out to the collection agency every 30 days since XX/XX/year> to verify and validate this debt. I have made several written attempts this company has not validated or sent me proof that the debt belongs to me. They have not responded to any of my letters. I have even requested a full removal if they can not validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2023, I went to XXXX XXXX XXXX to look for a car. I did not like the interest rates given to me, so the financial manager XXXX XXXX told me he would call XXXX XXXX, since it came back an error and they have a low interest rate. On Monday, XX/XX/2023, he texted me back that he found a lower interest rate. I texted him back that I was not interested anymore but thank you for looking and that I would pass on the offer and the car. Then on Wednesday, XX/XX/2023 I received two calls and then a text message from XXXX XXXX the sales manager telling me that he was able to talk to a different bank to get me a better rate. Then on Thursday, XX/XX/2023, I received a notification on my phone that my credit score was ran again without my consent. I texted XXXX XXXX letting him know that I did not authorize this run and told him I told XXXX on Monday that I passed on the offer. I sent screenshots of the text along with a screenshot my credit being ran. I still have not heard back from XXXX XXXX or XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX sued me in XXXX on debt that had defaulted in XXXX, which is past the statute of limitation in the state of Georgia XXXX XXXX XXXX sued me on three time barred loans. I have notified the debt collection law firm that these debts are time barred and have engaged them in intensive discussions regarding the time barred nature of the debt. 

The submitted a payment ledger that shows interest accruement, however, it doesn't show any payments made by the alleged debtor. No payments were made on this loan, therefore, the default in payment would have been XX/XX/XXXX, and the lawsuit was filed on XX/XX/XXXX, which is outside the statute of limitations in the State of Georgia and, therefore, the claim is time-barred. In addition the claim being time-barred, the service was improper. Now, there is a XXXX on the property of the alleged debtor. The default judgement on the time-barred claim is causing the alleged debtor financial hardship, as it is preventing him from obtaining credit as needed, and causing him to pay higher interest rates.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that I am a victim of identity theft. There an addresses that I did not live at and accounts that I did not open. My only address is XXXX XXXX XXXX XXXX FL XXXX. Any other address on my report is fraudulent as well as the fraudulent accounts that I saw on my reports
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report with my License to Transunion. I reported identity theft.
Product: Credit reporting or other personal consumer reports

XXXX {$250.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Mortgage

**On XX/XX/2019 I made an online mortgage payment of {$1100.00} to Ditech Financial LLC to pay for XXXX. The payment, unbeknownst to me, was not applied because I mistakenly transposed the last two digits of my bank account number. 
**When I noticed that the money had not been withdrawn from my account after several days, I phoned my bank and learned that no request to withdraw had been received from Ditech . 
**I phoned back and forth between Ditech and my bank for about five days asking about XXXX XXXX payment. Finally, a CSR from Ditech assured me that the payment had, in fact, posted as " received '' on XX/XX/XXXX. 
**It was not until on or about the XXXX of XXXX I received a voicemail from a CSR from Ditech who left no detailed message but left a number for me to call Ditech . 
**On XX/XX/XXXX, I received a form letter from Ditech informing me that my payment for XXXX was returned for non-payment. Nothing was mentioned about Ditech reporting to the credit bureau. 

**Prior to this incident, I had begun the process of refinancing my home. It was because of that process I learned that Ditech had wasted no time in reporting a LATE payment on my mortgage to the credit bureau. 
**The next time I called Ditech to dispute the negative credit bureau entry and was told to send an appeal/request via U.S. mail or fax to have the negative report reversed. I did send the fax. I included the fact that this was the fault of a simple error and due to the extenuating circumstances, they should reverse that report. 

**Yesterday I received another letter from Ditech stating that they will have to " look into the matter '' and I should expect a reply in 30 days. What is there to investigate? I have told them what occurred, it was a SIMPLE typographical error. I have not missed a payment or been late until this incident. WHAT is there to investigate?? This is unnecessary. 
Incidentally, I owned my first house for 23 years and was NEVER late nor missed any payment. 

**Ditech has served me an injustice. I did everything I could possibly do to verify my payment was on time. But due to their slow moving collecting system, payments take days to go through then even more days to be returned then more days to go through again. If Ditech was better organized, and their personnel better trained, and they had a faster collecting system could have possibly been avoided. And consider the fact that I was told my payment had been received AND posted as PAID. How can they justify such a hasty move to the credit bureau? 

**I am sure you can understand my frustration. I am trying to refinance as well. The right thing for Ditech to do is to take that negative report off my credit file with the same haste that it was sent. 

**This statement can be corroborated by Ditech playback of their calls that are recorded with customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over 30 days- 60 days and XXXX  XXXX equifax and XXXX  failed to respond to any of my letters or request. i am getting ready to file a lawsuit in XXXX courts for damages and violations. they are violating the FCRA.
Product: Credit reporting or other personal consumer reports

I have noticed several discrepancies regarding my account status and payment history in my credit report with Bank of America, which I believe are inaccurate. Despite contacting the company, I have not received any satisfactory resolution. Specifically, my account has been reported as delinquent and closed, when in fact it should be marked as paid and open. On several occasions, I requested clarification on this issue and asked for updates on how it would be rectified. Despite providing all required information, I have not seen the necessary updates on my report.
Product: Credit reporting or other personal consumer reports

Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX  XXXX  CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some things on my credit report that I didnt know about along with some other stuff that is incorrect. I am a victim of fraud. 
Please remove the following items : ( Accounts ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo created an account for me and my girlfriend because we wanted to open a joint account. I had an existing account with them, and they said they would close it, and they never did. 
Consequently, I was charged monthly service fees and overdraft fees because the account had a {$0.00} balance because THEY XXXX the balance and lied about closing it. 
I spent days trying to get my account closed. I even sent follow up e-mails and no one responded to me. The reps I spoke with were XXXX XXXX from XXXX XXXX, PA, and someone named XXXX from XXXX. I also spoke to a female rep from XXXX who was extremely rude. They all lied to me and caused many problems, and costed me much money and time.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXXpursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Debt collection

XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.
Product: Credit card

On XX/XX/2023, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXX  for a total price of {$700.00} which included a service fee for using my credit card to pay for the purchase. 
I was asked to pay a 50 % ( {$350.00} ) down payment which I did with my credit card. 

Even though XXXX XXXX XXXX sets up their office like that of a XXXX I was made to understand that they're not XXXX  There's no XXXX  on staff. 

I picked up the finished XXXX on XX/XX/2023 and when I picked it up I was dissatisfied with the fit because it was extremely uncomfortable. 
However, after trying for some time to get the XXXX properly fitted the vendor decided that she had had enough and she ordered me out of her office. 
I was arrogantly told to leave the office and that if I did not leave the office they would call the police to get me trespassed. 

Not wanting to interact with the police. I decided to leave and they told me that I had a warranty. I believe it was 30 or 60 days and that they would freely make adjustments doing the warranty period. 

After a few days I found that the XXXX were still extremely uncomfortable and that everything I tried to consume, even water would cause an astringent reaction and the roof of the XXXX and on top of the stringent reaction, most foods would also cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I called XXXX XXXX and I complained about the astringent and rough feeling on the roof of the XXXX and the suggested I come to their office for adjustments. They also suggest they use any eraser on the top of a pencil to rub the roof off the XXXX 

I mentioned to them that they were unable to do the proper adjustments while I was at their office so it was useless for me to come back because they may once again offer to call the police to have me trespassed. 

I sent XXXX a certified letter within the warranty period asking for them to return my money in exchange for me giving back the XXXX. The certified letter was delivered to them but till this day they have not responded. 

I immediately filed a dispute request with Discover Financial and I sent them a copy of the certified demand letter which was sent to XXXX XXXX which outlined the fact that the goods provided was useless. 

Discover financial ruled in the merchants favor claiming that the merchant sent them proof that I purchased the goods. 

I did not deny that I purchased the goods. What I am Trying to explain to Discover is that the goods is no good. 

I am attaching a copy of this certified letter sent to XXXX XXXX Please help!