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

This is in follow-up to complaint XXXX, which was already closed ahead of the XXXX XX/XX/2023 window because of my preliminary reply : I am pleased to report that I was finally able to recover the residual funds of the closed joint checking account of my wife and myself, thanks to the BoA staff at XXXX XXXX XXXX, where I eventually was permitted to cash my check in person on Thu, XXXX XX/XX/2023. 

However, the process to achieve this was anything but straightforward, and clearly dystopian : Effectively, BoA forced me, and my wife, former customers of 40 years of BoA or associated companies, to - physically travel to the XXXX ( a XXXX flight from XXXX XXXX XXXX XXXX - Absorb the costs of air transportation, lodging, and sustenance to recover funds. 
- Forgo use of money compensation ( eg, interest ) for the period between XX/XX/2023 and XXXX XX/XX/2023. 
- Accept the retuned funds as CASH (! ) ( rather than remitting funds to XXXX of my XXXX accounts )., as once again, BoA declined any options that would include remittances/wire transfer of the funds recovered to a USA-based account XXXX mine. 

The experience I went through revealed a string of corporate incompetence and doublespeak, in particular from the staff of the XXXX XXXX Department. 

BoA purports to operate in the name of safety, but firmly projects its corporate power disregarding health and safety aspects of its clients, e.g., by declining any forms of non-cash transfers to named XXXX accounts, and thus forcing me to spend days with a substantial amount of cash in the XXXX XXXX XXXX, without any option to dispose of this cash before being able to return to XXXX XXXX. 

My suggestion is that regulatory pressure is exerted to have BoA amend its policies to open suitable exceptions to prevent situations my wife and I were exposed to. 
Thank you, CFPB!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid a XXXX co-pay using my flexible spending account. {$31.00} of the {$45.00} co-pay went through. XXXX would not accept a remaining balance of {$13.00} payment as payment in full and they demanded {$45.00} instead of the remaining balance of {$13.00}, so they handed this debt over to the collections company Credit Adjustments Inc. I sent the document to Credit Adjustments Inc. of the {$31.00} payment that was already paid to XXXX. Credit Adjustments Inc. said they also would not accept the {$13.00} as payment in full. I asked to talk to a supervisor. They told me to hold on and then they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Debt collection

I had saw an ad on my phone for XXXX XXXX XXXX XXXXXXXX XXXX XXXX  tour merchandise and had thought that they were a legitimate website XXXX XXXX XXXX XXXX XXXX I used Affirm to help pay for my order in 4 installments. I paid the full 4 installments but upon receiving the item I realized that they were counterfeit items and had reached out to the merchant from affirm for help. The merchant did not respond to my emails and so I reached out to my bank for assistance with fraud. Upon investigation, they were able to authorize a chargeback for the fraudulent item. I had thought my issue had been resolved. However, I started to get emails from affirm stating that I have an overdue balance of {$140.00}. Thinking that this was an error on their end ( since the bank had stated that it had been resolved ) I did not respond to their request asking me to pay my overdue balance. XXXX is trying to request me to pay off that loan which is now {$170.00} due to interest. I do not believe it is fair to expect me the customer to pay for this loan that has been investigated by my bank. If there's any additional information you need me to provide please let me know. I do not know who else to further contact as Affirm is choosing to ignore my emails and now my loan is being sent to XXXX XXXX and I do not wish for it to affect my XXXXredit score. Its All A Blur has now closed their website as well.I am experiencing financial hardships due to my dog suddenly getting diagnosed with XXXX and for the past few months it has been extremely hard to deal with that AND the issue with affirm which I had already thought was resolved.The balance for my account kept saying it was " overdue '' but my bank had already disputed the fraudulent purchase. Thank you in advance. The loan number is XXXX. I would like to reiterate the merchant that sold me this product sold a counterfeit item and the website is no longer in service and has been suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.
Product: Credit reporting or other personal consumer reports

I am writing regarding a debt collection attempt made by credit control llc for an alleged debt of {$810.00}, dated back to XX/XX/2022, concerning a XXXX XXXX account. 

As the executor, I demand that XXXX XXXX takes immediate action to process the permanent deletion of this debt from their records.
Product: Credit reporting or other personal consumer reports

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 These companies used my information without my consent, I did not give any of these companies permission to run my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX account that was charged off was reporting incorrectly for multiple months. It was and still is reporting as charged off even though when I call them, they say that they sold the debt to portfolio recovery associates, a debt collection company. 

On XX/XX/XXXX, portfolio recovery associates said that I was approved for a permanent hardship program and that they would cease collections on the account close it permanently marking it paid on my credit reports. 

On XX/XX/XXXX I pulled my credit report. The issue is in the discrepancy between this credit report and following ones. The XX/XX/XXXX credit report showed BOTH the XXXX  XXXX account that was sold to Portfolio Recovery Associates, AND showed the Portfolio recovery associates account as paid off. If XXXX XXXX sold my debt, they are responsible for not be reporting it as an account that they currently own that is charged off, and therefore only the collections should be showing. 

However, as I mentioned, I was approved for the permanent hardship program after I applied for it in XX/XX/XXXX. To my surprise when I pulled my credit report in XX/XX/XXXX, both XXXX XXXX and Portfolio Recovery Associates were both showing as charged off accounts, and paid and closed that was on my XX/XX/XXXX credit report was no longer there. 

I am requesting that you remove both the XXXX  XXXX account ending in XXXX and the Portfolio Recovery Associates ( PRA ) account from my credit report among all three bureaus, especially given the fact that it was considered paid off due to my permanent hardship application through PRA, the company XXXX XXXX sold my debt to. I called Portfolio Recovery Associates today XX/XX/XXXX and the representative told me verbatim that I am no longer liable for the debt. 

This discrepancy is negatively impacting my ability to fix and repair my credit and Portfolio Recovery Associates is refusing to furnish a physical letter saying that I was approved for this hardship program. Regardless, it was reported as paid off before in XXXX, so there should be no reason it is showing up as charged off or in collections when it is not either of those things. XXXX  XXXX is also still saying as of XX/XX/XXXX that on their end the debt still shows as being sold and collected upon by Portfolio Recovery Associates. 

Again, the resolution I'm looking for is to delete both of these accounts off of my credit report since they have been satisfied, and the terms of satisfying the account include deleting the debt off of my credit report.
Product: Credit card

The credit card company has started charging me a fee for paper statements that I never agreed to. They said that they had sent a letter to me which I never received telling me that unless I opt out of receiving paper statements that I will be charged for the paper statements. They have put my account in arrears and charged a late fee for the amount not payed for the paper statements. I never agreed to this charge. I have not used this card for anything other than the original purchase of the sleep number bed.
Product: Credit card

I was unaware of a debt protection fee ( a 3rd party company from the Best Buy card through Citi Bank ) or remember ever signing up for one. Apparently the company got back to me saying I've been enrolled ever since XXXX and any of the amounts I was charged is non-refundable. The amount charged varies because of the revolving balance I've had throughout the years I've had a Best Buy card. I only have statements from one year ago ( XXXX XXXX - XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please check the documents? Some of the listed accounts contain inaccuracies in reporting, such as incorrect amounts and dates.
Product: Checking or savings account

I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.
Product: Credit reporting or other personal consumer reports

I have never lived at the following addresses, and they appear on my Lexis Nexis report. 

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: Credit card or prepaid card

On XX/XX/XXXX I opened a dispute with Bank of America Money Network because my card had been stolen and almost all the money had been spent. Im in a really bad spot financially and Im losing everything because of this, I pretty much have been working a month with one check. I faxed them what they had asked me for which was dates/amounts/merchants. I they continued to not reach back out to me so I kept calling just to find out it had been denied and Id have to appeal and in my situation im living in hotels right now because this happened and Im running out of money so I really need the money back and soon because no I cant wait any longer. Im losing everything because I cant financially cover anything anymore.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted Elan Financial Services to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from Elan Financial Services, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. Additionally, I did notify Elan Financial Services of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Checking or savings account

Please unblock or unrestricted my XXXX access when I try to use XXXX it it say this As youve requested, weve removed your access to XXXX. If you have questions, were available XXXX at XXXX. I never request the access to be restricted or removed or blocked I didnt do nothing wrong to be restricted or blocked please unblock the access or unrestricted the access so I can use XXXX again and unblock the XXXX XXXX or unrestricted the XXXX XXXX and unblock or unrestricted the account XXXX XXXXXXXX so I can use XXXX again my name is XXXX XXXX and account information is checking account number is XXXX etc. please look at the attachment below etc.
Product: Debt collection

I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Debt collection

Attempting to get back in XXXX in XXXX of this 2024 ; I was Informed that outstanding balance owed; contacted Shuerger Law requesting settlement was told there is no settlement offer and that some schools don't do that. Debt collections offer settlements all the time as do schools. I need to get my transcript to finish my degree so I eligible for a pay bump as I told their representative when asking for a favorable settlement offer.
Product: Credit reporting

Recent credit monitoring shows an account from XXXX XXXX listed as collection account, this account is inaccurate and do not owe XXXX or its third party XXXX, i hereby dispute this information and demands it to be removed from credit report, the collection agency nor tmobile has not contacted me with any proof of this debt and how they came about with this amount ... i believe only accurate report should be reported on one 's report. This report has damaged my credit and demands experian to do thorough investigation rather than sending electronic form of verification with the furnisher. I request a response from experian within 10 business days, until i pursue further action
Product: Debt collection

About 8 years ago I was unfortunately conned into joining an investment group called XXXX XXXX XXXX aka " XXXX XXXX. '' I initially invested {$3000.00} cash into this investment being told there would be a great return on the money. As the account began to grow I became weary that it was a ponzi scam ( which it was ) and decided to pull my initial investment out. I received a check from the group for my earnings which was about the same amount that I had invested. The account continued to grow but I never collected nor was able to withdraw any more money from the account. The website eventually was shut down and apparently a lot of people lost a lot of money. I personally was at about a break even point because I had pulled out my initial investment. A few years went by and I received a 1099 from the group that I had been paid out over {$6000.00} in earnings, not even taking account of the money I had invested. I tried to contact the group but nobody would respond to any emails or phone calls. I ended up meeting with a local IRS agent who basically told me that since I did not have proof I wasn't paid the money then there was nothing they could do about it. This resulted in me paying taxes on over {$6000.00} I never made. 

Fast forward a few years to this month. I received a letter from a collection agency who had apparently taken over this debt ( or purchased it? ) and is now claiming that I had earned a total of {$2300.00} from the group. Not only is this totally false, but it is a completely different amount than I was 1099 'd for! They are also claiming I owe interest on this money as well and that I have 30 days to pay it. I called them and was told they didn't advise me talking to a lawyer because it would cost more than just paying them off. 

I have emailed them multiple times over the past couple of weeks requesting proof that I received these payments not only to show I was not, but also to take to the IRS and hope for a refund that I never made a profit from this. The only emails i receive back are ones showing a spreadsheet of payments I never received. I am desperate for help at this point because they are threatening to take me to collections and damage my credit score for money I was never paid.
Product: Credit card or prepaid card

I can no longer login to my account online. I have spoken to a few representatives. I have not received a statement in almost a year. I can not see my E-statement online. I don't have my card number anymore. I don't have any statements. I can not login online. I have been bounced around and no one is able to help. How can I restore access online? I have been advised my account is restricted due to returned mail. Its probably due to not receiving a statement in almost a year.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Account Numbers XXXX and XXXX This letter is to formally dispute the validity of XXXX  debts currently listed on my credit report : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I believe these debts are inaccurate because they have exceeded the permissible reporting timeframe under the Fair Credit Reporting Act ( FCRA ). 

I request that you investigate these matters thoroughly and promptly remove both accounts from all three major credit reporting bureaus ( XXXX, Experian, and XXXX ). Please furnish me with written verification of this deletion within 30 days of this letter 's receipt, as required by the FCRA.
Product: Mortgage

Today I received a Payoff Procedure Disclosure with someone else 's mortgage information, as well as their investor ID. The information I received contained privileged information for another one of PHH Mortgage 's clients. I can only imagine where my personal information is now, or how many people have had their identities compromised from this mailing error. 

I hope to hear how PHH Mortgage is going to better protect my personal information and the information that they compromised of their other clients. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX TXXXX 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