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

I'm currently locked out of my account for 48 hours after trying to transfer funds into the account so my dates my not be exact as I don't have access to the account. 

I applied for a business checking account on XX/XX/XXXX from an offer that I receive. I added {$100.00} to the account on XX/XX/XXXX. Once it was received, I tried to add more funds to meet the offer of XXXX XXXXXXXX deposited within 30 days and hold for 2 months to earn {$800.00}. 

I called 9 times last week to get help and was finally able to figure out on my own that it takes 3 days for my mobile number to be verified before I can make a transfer. I already setup my " from '' bank as an external transfer. I was told to try again making the online transfer on XXXX once my mobile number was verified. 

I logged on XXXX to make a XXXX XXXX transfer, which the website states is the limit for one transaction and takes 3 days to process. My account was subsequently locked after trying to make the transfer. 

I called the help line again and was transferred successively to four different people and had to explain my story 4 different times. US Bank made me an offer that they are blocking me from fulfilling by not allowing me to transfer funds and even locking my account, denying me access when I do try to transfer funds into the account. 

This is unacceptable banking practices. I made consideration for this deal by impacting my credit to open the account with the payoff of lending them XXXX  XXXX to make {$800.00}. The deal is not being honored and my time is being wasted. 

It seems like my only option is to cut my losses and close my account and take the hit to my credit for their poor customer service.
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following personal information is incorrect : Any previous addresses are undeliverable and I have no access to them. Please remove any other addresses that remain immediately. 

Thank you
Product: Debt collection

I received an email from a company called TrueAccord. According to their email their contact information is support@trueaccord.com, phone number XXXX and their mailing adddress is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ks XXXX. They emailed my email address which is XXXX with information about my sister XXXX XXXX owing a debt to XXXX XXXX XXXX with the amount owed of XXXX. This is a violation of the FDCPA, not only did they send this information to the wrong party, they disclosed amounts and dates of the debt, possibly to try and embarass my sister.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Product: Checking or savings account

On the evening of XX/XX/year> my bank ( Bank of America ) authorized an ATM debit card transaction in the amount of {$3600.00} overdrawing my checking account from XXXX XXXX XXXXXXXX The transaction was not previously authorized by me or anyone I know, there were no current or active electronic authorizations to XXXX in that amount or any amount for that matter and only a final bill that my Agent had told me about in the amount of {$1000.00} and he was waiting for me to provide him with my active card info however we had been unable to reconnect since speaking on XX/XX/year> as every time I called he was not available or in the office. I assumed he was gone for the holiday and requested that he call me back upon his return so we could get him paid. On XX/XX/year> it appears that someone at XXXX processed a debit in the amount of {$3600.00} without my knowledge or authorization, in fact my debit card was locked to prevent unauthorized use and the daily and per transaction limits were set so low that this transaction should have been rejected on the protections in place alone, however this is not the case. BofA not only permitted the transaction but also allowed XXXX to overdraw my account by $ XXXX despite having no overdraft protection and clearly no permission for XXXX to do this. I filed a dispute claim with BofA on XX/XX/year>. All attempts to work with XXXX have resulted in me being referred to BofA and of course BofA does the same thing. Despite BofA being notified of the dispute and unauthorized transaction they so far have refused to replace the funds even temporarily despite my monthly deposits clearly showing the ability to take care of whatever the outcome is eventually. In the meantime, payments that were previously authorized have bounced horribly. This matter has caused havoc on my account, and it was completely unnecessary had BofA just followed the protection they give each customer. BofA 's explanation for this is that " XXXX is special and these protections don't apply to them because they are reoccurring, there was no reoccurring charge authorized to XXXX whatsoever ''. In the meantime, this matter is destroying the relationships I have with other vendors who were authorized to be paid. To me the reason XXXX is being given a pass is because they are likely a customer of BofAs and based on what they have told me the rules don't apply to them ... since when? Can someone please show me in any disclosure where this is legal or even proper?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 XXXXXX/XX/XXXX
Product: Mortgage

We noticed our property taxes had not been paid, and the deadline was approaching. We made at least 3 phone calls in the month prior to the payment deadline telling them that they hadnt been paid. We also uploaded the tax bills directly to their portal to make sure they had received them. They assured us that they would be paid, and if not, they would be responsible for any late fees. They paid a portion of our taxes late. They never paid the other portion, so we sent the payment in ourselves, to avoid a late charge. They have now charged our escrow account the late fee they are supposed to pay, and have raised our monthly payment by {$400.00} per month because they say there is a negative balance. We have made another 3 phone calls with absolutely no resolution. Our taxes were lower in 2023 than they estimated, and they are still asking for thousands of dollars on top of what they already took from us to pay the taxes, plus we covered over {$700.00} worth our tax bill even though our escrow should have had more than enough to cover everything. We requested that we be allowed to pay our own taxes instead of it being billed monthly and held in escrow, so we can avoid the same hassle next year. It was denied.
Product: Mortgage

This mortgage was sold to " Select Portfolio Servicing, inc, from XXXX XXXX XXXX XXXX 
They took over on XXXX XXXX, XXXX. We have been calling Select Portfolio, every XXXX weeks to get our Homeowners insurance paid by XX/XX/XXXX. 
They keep saying its under " review ''!. We made a payment to XXXX XXXX XXXX ourselves to avoid cancelation of this policy! We have been with this company for almost 35 years. 
We were told on XXXX XXXX, XXXX by a XXXX with " Select '', that he understood the problem and it would take 3 to 5 days to get this problem fixed and payment made. 
This policy will cancel on XX/XX/XXXX if Select Portfolio does not make payment. 
They are currectly holding over XXXX XXXX XXXX in escrow for a {$4100.00} insurance payment. 
This is placing a hardship on our family, through financial, and extreme stress!
Product: Credit reporting or other personal consumer reports

Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Delete these items immediately XXXX XXXX {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting

on or about XXXX XXXX i sent credit XXXX a letter to the ceo/ president XXXX XXXX XXXX in reference to this account and stiplulated the reson why this account should no longer be reported to the cra agency ( see previous dispute XXXX ) about 5 days later the trade line was removed from both XXXX and XXXX I assumed this did not happen by accident as it has been on my tradline for over 4 years.I assumed equifax did not yet or had delay in getting this information from XXXX. However on XXXX XXXX I received a letter from the office of the President and it then stated it has intiated the process to remove the tradeline, i then called equifax to notify them of this letter and they siad they have not yet received the request from XXXX i thought this was odd since the other cra have and removed the file as requested by XXXX XXXX. I am memeber of my fico and for what ever reason equifax seems to be slow or have some internal issues with this process. After speakign with the rep they said i willl have to dispute it and provide such duccumentation wich i did on friday XXXX XXXX. Today I went to check the status and i notice already they have completed the investigation and they verified the acccount this was obvious a XXXX automated response and does not coincide witht the obvious wishes in the atach letter from credit XXXX. Per XXXX office of the Prsident this letter this from has account should be removed Immediately. Also they XXXX instructed me to send a copy to the cra which again their clear and obvious intent is delete the trade!
Product: Mortgage

Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ). 

The resolution desired is to complete the short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureaXXXX, Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report.
Product: Credit card

consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Product: Credit reporting or other personal consumer reports

I interviewed with XXXX  to deliver packages during XXXX season. I was hired and given a schedule to begin work 3 days later. I received a email from Accurate about adverse action taken due to my background check. I spoke with them on the phone and explained to them what was inaccurate and asked them to please fix before XXXX  when I start work. They said they would investigate. 
Next day got an email saying they are moving forward with other candidates. I still have no update from Accurate.

The error on report was a XXXXXXXX XXXX that was thrown out in court because it was a false police 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The particular charge is offensive and when employers see it they panic. This same company, Accurate cost me XXXX jobs this XXXX, they also cost me a job with XXXX  last XXXX. Which I reported and filed a complaint but no word, no change. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid all fines yet its still on the bc every single time. It states on the Accurate website that the timeframe is 7 years on a XXXX. Talking to representative on phone, she was condescending and really made a big joke of it. I have a hard enough time finding work I can do since my recent XXXX. And everytime I get hired it seems accurate, or XXXX XXXX bring XXXX XXXX XXXX and stuff I did in high school up to harm me in the present day.
Product: Credit card or prepaid card

On XX/XX/2023 I received in the mail a prepaid XXXX from XXXX. I did Not and I repeat did NOT request or open an account. This is a fraudulent account that needs to be closed as soon as possible. When I received this card I tried calling the toll free number for XXXX, but I did not get any response. Let me repeat, this account IS fraudulent and should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX XXXX Account XXXX, XXXX XXXXXXXX Account XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account 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 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: Bank account or service

I have a IRA through my past employer that is managed by wells fargo. I attempted to have wells fargo send a rollover check to XXXX - as I wanted to switch investment companies. Wells fargo claim they issued a check at the end of XXXX, 2016. After over a month and the check was never received by my financial advisor, I called wells fargo and they stated that their system showed the check was sent, but not cashed. So, wells fargo stopped the first check and reissued a second check. After another month of not receiving this check, my financial adviser and I got on the phone with wells fargo on a conference call. they stated that they would stop the second check and reissue another. My adviser suggested wells fargo overnight the check so we can track it this time. My adviser asked wells fargo to cover the cost of overnighting it. Wells fargo declined and stated they could not cover the overnight fee. I asked the lady for a supervisor and I was sent to XXXX. I asked XXXX for her name and she would not give me her last name, but gave me an employee reference number of XXXX. I asked XXXX what her supervisor 's name and reference number was and she refused to supply me with this information. I asked XXXX to provide me with her location so I could hold her accountable as XXXX at a Certain location. She shared she was at XXXX of many XXXX, MN locations, but could not tell me where she was located. I asked her if I did not get the check in the mail for the third time what the process would be at that time and she stated she would deal with it when it happens. I asked what he policy was in this situation and she said she did not know and would have to research it. I am very frustrated as my money has been out of the market for a couple months and I can not get it from wells fargo. I want my money and I want Wells Fargo to tell me what they will do about it. I normally would not do anything further, but given the resent headlines about wells fargo, I figured I might not be the only one who has had trouble getting my money from them out of my retirement account. So I figured I would report it here. The first check number that was supposed to have been sent was XXXX and was sent on XXXX/XXXX/16 and the second one that was issued was on XXXX/XXXX/16 check number XXXX. I still do not have my money and my account through wells fargo went from of {$15000.00} to {$0.00}.