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

I received a call from XXXX from Bank of America and Merrill Lynch at XXXX about me wanting my bank funds and she had a problem with me accessing them to use as I like. So she placed a hold on {$16000.00} on XXXX XXXX and said that I should look for another bank to use. I have been dealing with Bank of America for many years and for this person to decide what she can do with my money is wrong. She claims shes the vice president of the bank and she can do as she pleases. This has caused my wife and family unnecessary stress and XXXX  and hardship as I have to keep finding ways to pay my bills without being able to access my funds that are all ready in my account. XXXX XXXX XXXX payment is coming due very shortly, can you please help me with this. Thank you. Sincerely XXXX XXXX
Product: Checking or savings account

Chase closed my account for unknown reasons on XX/XX/XXXX. I spoke with a rep who told me that I would receive funds within 10 days of the account being closed. On XX/XX/XXXX I went to a branch to speak with a banker who called and got a higher up on the phone. Who pretty much said the same and that I could call back on the XXXX to receive a tracking number for the check. I called on the XXXX and they said my account still hasnt been released and I kept asking to speak to someone else and got hung up on 3 times. They arent giving me any answers as to why they have not funds and said they dont have to tell me. Its been a whole month and I havent had access to my money and my other funds are running low.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 CO XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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 or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Mortgage

In XXXX, XXXX, I obtained a mortgage loan on a new house from XXXX XXXX XXXX, which immediately transferred the loan to another mortgage company, Specialized Loan Services ( SLS ). I set up automatic payments of the full amount due, {$2600.00}, which were paid no later than the XXXX of the month ( I don't receive my retirement account distribution until the XXXX, and sometimes it is delayed a day or two because of weekends or holidays ). In XXXX, XXXX I believe, SLS merged with Newrez, which took over my mortgage.This caused a problem that resulted in a negative comment on my credit report - my score for all three reporting agencies had been around XXXX or higher until this event occurred, now it is under XXXX and adversely affecting my ability to refinance with a better interest rate. Rather than deducting {$2600.00}, on XX/XX/XXXX Newrez attempted to withdraw {$2900.00}, which is {$240.00} more than the correct mortgage amount. Since I had not been notified of the difference, I had not covered the additional amount in my checking account, and the transaction was declined. From what I can see, on XX/XX/XXXX, my bank ( XXXX ) paid Newrez the {$2900.00}. However, from the Newrez point of view, since they had refunded the automatic withdrawal transaction without notifying me in a meaningful way, I had not paid my mortgage. From my point of view, I had paid my mortgage on time, even though I had paid {$240.00} more than I was required to pay. It is my understanding that when a mortgage is transferred, the new company is not allowed to charge a different amount for the mortgage than was previously paid. I of course will immediately make this current, but I believe this was due to an error in communication- it was not an attempt to make a late payment. Nevertheless, this adverse comment on my credit reports has caused a significant drop in my credit score, something that has been consistently very high until Newrez charged me the wrong amount and then reported that I was always a month behind. I might never have noticed, except when I went to refinance my high-percentage mortgage, my mortgage consultant told me of the drop in my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the absence of my XXXX XXXX  credit card account ( account number XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXX XXXX  account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXX XXXX  to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the 30-day period required by law under the FCRA
Product: Credit reporting or other personal consumer reports

While going over my most recent consumer report, I noticed I had quite a few unauthorized and fraudulent credit inquiries that are from the following companies : Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never gave any written authorization by anyone employed by the listed companies to make an inquiry and view my consumer report. I also never gave you EQUIFAX written permission to furnish this information on my credit report. This is a direct violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I need you to validate every piece of information with these companies and provide me copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, EQUIFAX produce a contract between you and me, consumers, bearing my signature showing where I gave you permission to furnish any information on my behalf. 

If no such documentation bearing my signature can be produced, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

I will give you 30 days to produce the requested contract and to complete your thorough investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit card

Wayfair store credit card info was breached online. Increase in credit line requested without my permission. Became aware when received text that furniture was being delivered to Florida Address/I live in NY. Called Wayfair to enter dispute over {$5000.00} worth of fraudulent charges. Cancelled credit card. I Am still receiving texts RE : furniture being delivered to Florida address. I feel that this has not been resolved. Am a victim of identity theft. Phone service hacked along with XXXX XXXX XXXXXXXX Credit card. Police report also filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate it list the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

the credit bureaus all failed to respond within the proper timeframe and also failed to prove their method of verifications on how they " verified the information as accurate '' according to my most recent credit report that I obtained through myfico. 

No response from any of the credit bureaus within the given timeframe nor the companies. the companies have also tried to contact me illegally during this timeframe which is illegal to do in accordance with FCRA guidelines when disputes are underway.
Product: Bank account or service

I opened a Basic nonchecking account at Chase Bank referred to as a Chase Liquid account basically a prepaid visa card with no check writing privileges. When I opened the account they did a full check systems background check and found an account from 2012. The statue of limitations in Ca. is 4 years for collecting a debt so the Banker called to make sure it was cleared. She was very helpful she then called the Chase department that handles this by phone to get the approval to open my prepaid visa account. They sent the approval by computer. She then opened the prepaid visa account. Of course buying a prepaid visa at a grocery store you go through none of this. I put XXXX Dollars into the account and was given a prepaid debit card. A week later I received a letter. Canceling my prepaid debit card and notifying me they will be mailing my money back in 10 days.
Product: Debt collection

this was paid and and I told them it's still showing a balance on my credit report and even report to the creditors with proof and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from USPS and can clearly see nothing from XXXX XXXX was ever sent. 

XXXX  XXXX has violated articles 807, 808, 809 and 812 to name a few.
Product: Debt collection

The current company, XXXX XXXX XXXX, is the latest in a long line of " companies '' trying to collect a debt from XXXX XXXX. As we have told the last dozen or so " companies '' who have harassed us with phone calls over the last ten years, there is no XXXX XXXX at the phone number they are calling. Most of these " companies '', including XXXX XXXX XXXX, immediately try to collect our personal information. We refuse to divulge any personal information over the phone. XXXX XXXX spoke with a representative of XXXX XXXX XXXX, a XXXX XXXX concerning this debt. He repeated several times that there was no XXXX XXXX at this phone number. After trying to interrupt several times, and using unprofessional and threatening language, XXXX XXXX abruptly hung up. XXXX XXXX 's voice has been used in several " robocalls '' since then, threatening vague legal action against XXXX XXXX if he does not call their number. All of these companies have been wasting their time. They will definitely never get money out of us for someone else 's debt. Apparently, XXXX XXXX used our phone number as a contact number when the debt or loan was first acquired, over ten years ago. There are several other complaints on file with you concerning this situation.
Product: Checking or savings account

On XXXX different deposits of checks the bank held my deposits for verification, what they said. The XXXX of the deposits the threatened to close my account, until verification that I had to prove the check was issued to me by a verification letter from opposing counsel, which were a settlement check, issued from a previous employer. On the XXXX XXXX I deposited a insurance check issued for the loss of my travel trailer. I was told I could withdraw the funds in 4 days.. when I went to pay for something I was declined, I called the bank to get a response and was told it was froze due to unusual activity on the issuers account, progress insurance and until verified my account was frozen And told I could withdraw it on XX/XX/XXXX. Well exceeding the normal XXXX business days.. this put me in a difficult position, being I was forced to move into my parents, and lost out on many opportunities to replace my trailer lost in hurricane XXXX.
Product: Student loan

I have been paying on loans through Nelnet that were transferred in 2006. The original loan amount was just under $ XXXX for a XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX. While my initial payments were smaller due to income driven repayment, for the last 8 years ( at least ) I have been paying over {$500.00} a month toward these loans. According to them, I owe them over $ XXXX and my payments never lower the amount I owe. I work hard XXXX XXXX XXXX XXXX but according to them, did not qualify for the COVID pause so when they deferred payments for me for 6 months, interest continued to pile up regardless of being a XXXX XXXX XXXX  who actually XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who required acute care when other health care professionals refused to care for them out of fear. I am a proud American citizen whos only request is to be treated fairly. Please help me. The only time my loans were deferred were when I was supporting my family, my daughters family, and my elderly parents who also worked hard their whole lives only to be left struggling to pay their bills after retirement. I just wish to be treated fairly. Please help.
Product: Debt collection

Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.
Product: Prepaid card

I have a prepaid card with Skrill. Skrill sent me an email saying my account is " permanently closed, '' without an explanation as to why or, more importantly, how they will return the money I had on my prepaid card. I had over {$2700.00} on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/XXXX, JPMCB - CARD SERVICE Inquiry : XX/XX/XXXX, XXXX XXXX - XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters with my current address however XXXX  has not removed incorrect addresses.
Product: Student loan

I have made several attempts to solve repaying my student loan with XXXX. Sent in a form to apply for a deferment and hardship since I feel behind to constant medical bills. They denied it and came up with a repayment of {$190.00} per month and this is definitely too high. If I am having a financial hardship, then I definitely can not pay that amount. 
When ever I email to get a better term payment, I get harassing emails on paying. It appears that this company lack compassion or just bothersome and want to harass a person. 
What can be done to have them come to realization that I can not pay {$190.00} a month with the hardship I am having?
Product: Checking or savings account

My debit card was stolen. And i dont check my account everyday or use my card because i have more than one bank account. So I reported it XX/XX/2023 when i realized it was missing. I called the bank they said they were gnna investigate it for suspicious activity. Then they called me the next day XX/XX/2023 saying they closed my account without any explanation or investigation. There was well over {$3000.00} dollars in my account that Ive lost
Product: Credit card or prepaid card

XXXX XXXX, XXXX, XXXX, XXXX XXXX : Attempted to confirm receipt of payment. Did not go though. XXXX XXXX : Asked for reason why multiple attempts to update bank account were unsuccessful. No reason given. XXXX XXXX : Requested removal of authorized user. Rep stated that she tried but the system would not allow her to do so. Request employer is number or extension - Rep refused & said that anyone could assist