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

Back in XXXX of 2021 I opened a Merrill Lynch XXXX stock trading brokerage account. I gave them all my personal information and setup a login. I got the checks and all the information sent to me for these accounts. I then downloaded the phone app and began setting that up. For a short period of time I had a login and access to this service. However, there were then technical errors accessing the account. I called the local XXXX office to inquire about this and setup an appointment. I got an appointment time set and was thinking of also adding the bank of america account that is partnered with perks at the same branch location. I put considerable time and energy into the account setup. I am unable to access the account. After several hours and many representatives on the phone, I am still unable to access the service. I have since been told the accounts were all closed by Merrill Lynch. This was against my will. I did nothing to deserve this. Please confirm if this is accurate? What is my account status? Is it true you are not willing to serve me or open an account? If so, why? This is considered breach of contract and negligence as well as discrimination. I am XXXX  and also a minority now. Please explain why I am being denied services?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/XXXX  90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

I was approved for two loans for my properties on XX/XX/XXXX. Summit funding is now refusing to close on the loans and from what was said it sounds like they dont want to honor the rate anymore. 

In addition, their electronic signature system does not provide me a copy of my signed documents and while they have promised to provide me copies I still dont have them.
Product: Debt collection

On or around XX/XX/XXXX I received a call from XXXX at C & M Associates claiming to be trying to collect a debt from a credit card from XXXX. I was threatened with a law suit, liens on my home and bank account. I got angry and he hung up on me. I felt bad so the next day I called this company back and spoke with a gentleman named XXXX XXXX I explained to him that I did not have the money to settle this debt, in the amount of XXXX, so I was offered a settlement amount of XXXX which I thought was something I could do given some time. XXXX asked me if I could pay XXXX and that would lock in the settlement amount, and that I would have until XX/XX/XXXX to pay the remaining balance of XXXX. I reluctantley gave him my checking account information, stating to him that I was not comfortable doing so, he promised me that no other monies would be taken out of my account without my ok. I was told that he would keep in touch to see where I was financially. I spoke with XXXX again on XX/XX/XXXX at which time I was thinking that I would have the money in the bank, but was not 100 % sure ... so he said he would call me the day before it was due, which would've been XX/XX/XXXX. On XX/XX/XXXX XXXX had contacted me, at which time I told him that I did not have the money in my account, he informed that by not settling this case I would be sued, I would have a lien on my home, on my bank account ... and I told him that unfortunately I would have to take that chance I had not realized that they money had already been deducted from my account ... he acted as though he had no idea. On XX/XX/XXXX a deposit had been made into my account, which I was using for my mortgage payment. Low and behold that on XX/XX/XXXX I went to the ATM to make a small withdrawal, it was rejected stating there were insufficient funds, I then looked at my account on my phone and saw that on XX/XX/XXXX a payment of XXXX was withdrawn and sent to C & M Associates. I was livid, this left my account with XXXX in it, which in turn my house payment bounced. I called XXXX at C & M Associates and he told me that is what my agreement was, that I was told that the payment was due on the XXXX, and that I postdated the checking information for that day. I told him that I did no such thing, I told XXXX on the XXXX that I would not have the money for XX/XX/XXXX. Therefore they took the money out of my account without permission, they stole my money ... .I have tried to email them, but it comes back stating access denied ... ..I am at wits end. I have contacted the District Atttorney 's office in XXXX County. I have also filed a complaint with the XXXX ... ..I will pursue charges if forced too.
Product: Debt collection

Been disputing this account threw transunion over year & half but keep coming back as verified. The amount owed is far off from collection agency to the original creditor. law is clear account has to be 100 percent accurate and verifiable which its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened:11/29/2018, Balance : {$400.00} ), XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened:XXXX Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the TransUnion. I also have the certified mail receipts that I can provide if necessary.
Product: Credit card or prepaid card

Chase replaced my credit card due to fraud. I am having refunds/credits coming back to my old credit card number and it is not being transferred over to my new account. Called multiple times and they told me that this should happen automatically and there is a glitch in the system. Refunds/credits sit for weeks in the old account ... It has been more than three weeks and no one is fixing the problem ... The other issue is the dept that handles these kinds of issues is not accepting any calls, only emails which they never respond to ...
Product: Credit card or prepaid card

In XXXX, I noticed {$3600.00} worth of fraud charges ( roughly XXXX separate charges ) on my Bank of America XXXX XXXX  XXXX credit card that could not have ever possibly been my charges. I did not notice the charges right away when they started in XXXX, however, I was never alerted by my bank to the erroneous charges. I promptly canceled my card, shredded it and reported the fraud to my bank. With zero explanation other than " the charges were consistent with previous charges on your card, '' Bank of America declined my fraud dispute. I did not hear back until XXXX about this matter. I spent hours on the phone on hold, being passed around to different departments, calls dropped and finally reached someone. They said this was unfortunate and that they would re-file a fraud dispute for me, but never asked me how much I was disputing. I heard nothing for about 3.5 weeks into XXXX when I decided to call Bank of America for a status check. The same dance occurred -- hours of hold, transferred me to wrong departments, calls drop, etc. I finally received human contact and explained my situation. She checked on my fraud dispute and the prior person only put into the system a claim on XXXX charge for {$110.00} and that it was also declined as fraud. She opened yet another claim for me and told me to send in any supporting documentation to support my claim. I essentially performed my own fraud investigation and line by line explained how each fraud charge could not possibly be mine -- gave them an XXXX sheet of every charge, provided receipts, airline tickets, train tickets, etc to prove that the charges I was disputing are not mine. I just received a letter in the mail saying that after re-evaluating my dispute, that I was once again denied because " While I did not personally did not make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' No one is has ever been authorized to use this card and I am the only person on the account. I have been carrying this amount on my card since XXXX, all the while making payments on it and collecting interest on the charges that are not mine. My bank will not believe me or protect me, which is absolutely absurd. Why would I put myself through the agony of waiting on hold for hours and spending hours line itemizing my own life to prove that these charges are not mine? Why would I cancel a card and request a new one? Bank of America customer service is absolutely terrible and once this is resolved and my card is at {$0.00} I will be closing all my accounts with them. Never in my life have I ever seen such blatant laziness, neglect and ignorance in protecting the consumer. It is remarkably clear these outlandish charges on my could not have been me. I have currently been on hold with Bank of America for the last XXXX minutes all while being passed to a total of XXXX wrong departments as of right now. 

I attached all supporting documents I personally paid to have delivered to Bank of America 's fraud claims department, which clearly outline how the charges could not be mine.
Product: Checking or savings account

Bank of America closed my account has no proof of sending me my funds and I have not received the check for XXXX. They said they expedite the money but only the saving account amount was sent without the checking. The savings was XXXX dollars and some change. They made decision to mail the checking account via XXXX but they have no proof they sent it at all. 

I have not received it they are stalling me. The said if the check was returned then they could resubmit or it would take 120 to issue a new check. 

They are keeping my money for as long as they can. Please help me. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  ACCT # XXXX, has 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This company is a debt collector and has put information about me on my XXXX  report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.
Product: Mortgage

I've attempted to eliminate my PMI. I've paid my balance down to 71.64 % of my original balance. I've never been late on a payment and have made payments for over 180 months. Ocwen Loan Servicing is trying to force me to pay {$450.00} for an appraisal in order to eliminate the monthly PMI.
Product: Credit reporting or other personal consumer reports

Requested address be updated to current address of pass 2 years and all other address in file removed as they are not mine
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. Please DELETE the following account from my consumer report as it is not mine. 

Account Name : XXXX Bank Account # : XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I called in to acquire information for my account based on varies emails I received about my account being low balance and emails about over draft account. However, the teller XXXX responded rudely overtalking me and also, cutting off ever other word I suffer from several XXXX and XXXX and XXXX I hit a triggered. I was also disrespectful by fact she did verify my account and was yelling. Also threatened closed my account without warning.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has 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 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 which 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

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Chase Amazon card. I can not talk to them without revealing my age and being subjected to abusive advertising practices. So I have disputed charges and wanted to call and talk to them, but they won't put me through unless I reveal my age. That is age XXXX. The credit card company already knows my age, but they are trying to force me to reveal it to Amazon, so I can be bombarded with unwanted solicitations and abusive advertising. 

This is age XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

I had some concerns about my credit score. I paid my bills on time and within the 30 days of due date. My credit score is low XXXX when I requested a copy of my credit report. the consumer representative asked questions and I did not feel comfortable providing the information. So, I asked is there a way I can submit a request in writing she stated no, and Transunion is no longer allowing any request in writing. I asked how the score is calculated for credit score. I don't use my retail credit card and later received a letter stating the retail store is canceling card. So, I used my XXXX and XXXX but paid it off every month as recommended. I paid off XXXX vehicles through XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX within XXXX months on a XXXX loan. Yet the credit score is low. I have knowledge of fair credit act. However, I'm still having problems with received copy of annual reports from Trans Union, XXXX, and XXXX and information on credit score increases. I notice on my inquires several companies have inquired about my credit and I either have an active account or the account is closed with no balance. How do I prevent Companies from doing inquires on my credit report. Can you please investigate and also get an explanation how credit score is calculated.
Product: Debt collection

No lawsuits have been filed. Please see attached. Sequoia never sent any notices of any kind. The first time I ever was made aware of this debt was after they put it on my Credit Report.
Product: Checking or savings account

XX/XX/20 thru XX/XX/20 and on XX/XX/20 they have been over {$4000.00} worth of charges been made to my account and I've disputed with my bank and they haven't done anything about it and I feel like I'm just being XXXX  out of my money and something needs to be done. The bank is State Employees Credit Union of North Carolina
Product: Vehicle loan or lease

US Bank refuses to provide me with proof of the XXXX XXXX property taxes they are trying to assess against me. The tax office says this VIN was not included in US Bank 's fleet bill. I 've disputed the amount with USBank and have requested proof of the amount owed. They refuse to provide yet continue to send demand notices. The contract states " You agree to pay all title, registration, license, inspection, testing, and other fees taxes and charges imposed by government authorities in connnection with the Vehicle, this Lease or any amounts due or payable arising from this Lease. '' If the City says my VIN was not included in the fleet bill to USBank and USBank has n't shown me where " charges were imposed '' then the amount of {$420.00} needs to be deducted.
Product: Mortgage

I have a mortgage with MB Financial. I paid the amount shown on the coupon that I received from MB Financial. They received the payment on time and cashed the check. However, MB Financial stated that the payment was short as the escrow amount was by about {$18.00} due to a change in the escrow amount. MB Financial does not send statement ( by mail or electronically ). So, there is no way, other than the coupon, to determine the payment amount. When I was notified about the shortfall, I simply paid the difference over the phone. However, the problem is that MB Financial reported a 30-day late pay to the credit bureaus. My credit score dropped by XXXX points and I am unable to refinance a loan. MB Financial refuses to help.