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

The latter part of XX/XX/XXXX, we noticed a discrepancy in our BofA account balance. After digging into the account, we discovered several charges had been made using my husbands debit card, at a location 200 miles from where we live. The charges were made in very small increments so went unnoticed by us for some time. 

The following day my husband went into a branch close to his office ; the customer rep ( supposedly ) canceled his old card and issued him a new one. We continued to monitor the account ; the charges continued to occur. We then went into another branch ; the very kind customer rep did indeed cancel his old card as well as put us on the phone with the fraud department so a proper claim could be filed. ( Note : all fraudulent charges see used immediately when his old card was canceled. ) The total amount of erroneous and fraudulent charges were {$170.00} ; they deposited that back into our account the same day as we sat in that branch. 

We received a letter on XX/XX/XXXX, XXXX stating their inquiry had determined the charges were in fact incurred by us, are not fraudulent and they would be deducting the {$170.00} back out of our account ( which they did on XX/XX/XXXX ). 

Since that time, besides those two visits to branches, we have sent a letter ( per their request after our first complaint call ) and, as of today, made SEVEN additional phone calls in an effort to get this resolved. We get nothing but the runaround every time we call. 

An individual who works for another bank and whose opinion we highly regard, strongly encouraged us to post this on social media as all other efforts have failed. 

We seriously detest having to do business in this manner and publicly fight fire with fire. We have simply done everything we possibly can to resolve this in a common courtesy manner ... with zero results. We have also filed a complaint with the FDIC, as of today. 

Bank of America, we are extremely disappointed. This action of yours is highly unscrupulous and unprofessional. We have been a loyal customer for more than 25 years.
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 1

5 USC 1681. 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 card

XX/XX/year> I lost my card. They list an XXXX number to call. When I get to the end of the verbal menus it says to choose 5 to speak to customer service. I've chosen several times and it hangs up every time.
Product: Checking or savings account

There have been several incidents in the past where Merrill Lynch has improperly, and without cause, held funds designated for deposit. 

On yesterday, I received a wire transfer in excess of {$60000.00}. This wire came from another bank, and was sent on XX/XX/2022. On XX/XX/2022, I recieved a call from Merrill Lynch indicating that they needed to talk to me to verify a distribution. I waited on hold for over 30 minutes, only to be told, this is a " security '' concern and the funds would be released within the hours. This was after the verification. 

To date, Merill Lynch has continued to hold the funds, without any reason for doing so. After repeated calls, they continue to hold the funds. 

I firmly believe that Merrill Lynch is discriminating against me, and has performed this action, and like action, because of my XXXX. There has not been any history of fraud or fraudulent activity on my account, yet -- every time there is a deposit, I am forced to wait an excessive amount of days to have access to funds that belong to me. 

Merill Lynch has my demographics, and perhaps because of this, they continously act as if I am attempting to " defraud '' them, or I am participating in some fraudulent activity. 

Here, my account is in good standing, maintains a positive balance, yet still- they refuse to release MY MONEY to me. 

This has happened on several occassions -- without reason or explanation. And before I leave this institution for good, I wanted to log this complaint, because I firmly believe they have a practice of withholding money from XXXXXXXX XXXX 

There is literraly no OTHER reason why this bank continues to illegally hold my funds under the vauge guise of security.
Product: Credit reporting or other personal consumer reports

These are the unauthorized hard inquiries on my XXXX XXXX credit report. I did not apply for these and I called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the unauthorized hard inquiries on my Equifax credit report. I did not apply for these and I called Equifax on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I purchased a ticket with XXXX XXXX, as well all know any ticket can be cancelled within XXXXhours. I reached out to them around XXXX hours of booking the flight to let them know it would need to be cancelled. The lady on the phone reassured me it was canceled asked if I wanted the confirmation but it was canceled. Fast forward I see the charge never leave my credit card I reach out to them instantly. They begin the dispute one to re change me again. This is a reoccurring charge I am experiencing and feel robbed not only by XXXX XXXX  but as well as Bank of America. I have never had a successful dispute with my Bank of America credit card and am the subject of having to pay for things I have returned. Bank of America is scamming customers and not handling disputes properly!
Product: Debt collection

XXXX Collections company has repeatedly attacked my credit and I have spoken to them numerous times and they are admitting that I don't have any money owed to them and they shouldn't be on my credit reports however, they're still on it. 
I asked for letters stating this numerous times and I have nothing. 

I want this removed and blocked from doing it again!
Product: Debt collection

NATIONAL CREDIT SYSTEM and XXXX XXXX is in violation of privacy act 1974, I didnt give NATIONAL CREDIT SYSTEM or XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to NATIONAL CREDIT SYSTEM and XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SECURITY CREDIT SERVICE XXXX # 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 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm filing to complain about the inaccurate employer information on my Equifax credit report. The name " XXXX XXXX XXXX '' is incorrect and has caused me stress and frustration because it does not show the right details about my job history. My only employer is XXXX XXXX XXXX. This mistake hurts my credibility and might affect my financial chances. Under the Fair Credit Reporting Act, credit bureaus must make sure all information is correct. I want Equifax to fix this mistake by removing the wrong employer name and send me a letter to confirm the change.
Product: Checking or savings account

On XX/XX/year>, between XXXX AM and XXXX AM, I attempted to withdraw money from an ATM located at The XXXX XXXX in XXXX XXXX, NV, near the ground floor restroom opposite the XXXX and XXXX table. I used my Chase debit card linked to my checking account for the transaction. 

I attempted to withdraw {$600.00}, but the ATM displayed an error message stating that the amount I was trying to withdraw exceeded my daily withdrawal limit. My daily withdrawal limit is {$500.00}, as confirmed by Chase. I tried the same transaction a second time, but it resulted in the same error message. At no point did the ATM dispense any cash. 

Upon checking my Chase mobile app, I saw that a total of {$1200.00} was debited from my account despite not receiving any money from the ATM. 

I immediately reported the issue by calling the Chase customer service number on the back of my debit card. However, I was informed that the claims department was unavailable at that hour and was advised to call back during business hours. I also visited the casinos cashier and explained the situation. The casino provided me with a printed receipt showing that both transactions had failed and that no money was dispensed by the ATM. I am attaching the receipt as evidence. 

Subsequently, I filed a claim with Chase, but they denied it, stating that they could not track the transactions or recover the funds. I also questioned how it was possible for me to withdraw more than my daily withdrawal limit of {$500.00}, but Chase has not provided a satisfactory response. 

This is a significant loss of my hard-earned, after-tax money, and I urgently request your assistance in resolving this matter. I want {$1200.00} credited back to my account, as I did not receive any money from the ATM for the debited transactions. 

Thank you for your attention to this issue. 

Supporting Documents : Receipt from The XXXX XXXX showing failed ATM transactions. 
Screenshots or statements from Chase showing the {$1200.00} debited from my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit card thats showing on my credit report XXXX XXXX XXXXXXXX opened on XX/XX/2014 is fraudulent and needs to be removed asap this was not authorized by me
Product: Debt collection

Debt collector onemain contacted my family members and XXXX information regarding debt such as type and exact details without consent.
Product: Student loan

I made a payment in full to EdFinancial on XX/XX/year> for an amount of {$6400.00}, which was posted by my bank on XX/XX/year>. As of XX/XX/year>, I have received no confirmation or receipt of payment from EdFinancial, and my account balance is still equal to the full amount, despite my bank paying out {$6400.00} to the Department of Education on XXXX, XXXX. I worked very hard to save this money to pay off my loans, and I am still being charged interests and it is still showing that I have made no payments. My account continues to not be updated and I continue to be charged interest, which is affecting my XXXX XXXX and finances despite the fact that I was charged {$6400.00} dollars by XXXX but have received no record or proof of it other than from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

So back in XXXX we leased Honda from American Honda, all payments terms of 36 months were paid on time. However when we returned the car no one told us that there is return fee. No mail, no phone calls, then I noticed 30 day delinquent in my credit report. When I called them to ask why is this, they hanged up the phone and told me this is not our problem and you shouldve known Since then XXXX cant fix this 30 day.
Product: Debt collection

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked to XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information on my credit report. My XXXX and Equifax credit report is reporting a account on my report from XXXX XXXX and XXXX XXXX  which is indeed not my account. It's does not report on XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with XXXX plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Re : Acct #  XXXX  To Whom  It May Conc ern : This letter is regarding account #  XXXX  which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including   XXXX   XXXX   XXXX   XXXX    ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio  n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et   seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response,  I may  be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.    Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n :  Other ( i.e.  phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount  DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the handling of my disputes regarding inaccurate information on my credit report. Despite sending disputes to XXXX, Equifax, and XXXX outlining specific violations of the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from your agencies after over 30 days. Enclosed are copies of all letters previously sent for your reference. 

It is evident that your company has blatantly disregarded the mandates of the FCRA. Specifically, you have violated FCRA 623 ( a ) b ) by neglecting to label the disputed account as such, thereby perpetuating the erroneous reporting.

Furthermore, the provisions of FCRA 605 ( c ) have also been egregiously flouted. The reporting period continues to run despite the account 's last activity date being incorrectly reported. This misleading representation fails to reflect the actual date of payment cessation, thus unfairly impacting my creditworthiness. 

In addition to FCRA violations, your persistent failure to validate the collection account constitutes a clear breach of the Fair Debt Collection Practices Act ( FDCPA ) 809b, as confirmed by the Federal Trade Commission ( FTC ) opinion. 

It is imperative that you promptly address these violations and rectify the inaccuracies on my credit report. Failure to do so will leave me no choice but to pursue legal action to enforce my rights under federal law.
Product: Credit card or prepaid card

Originally the 1st year there were no problems in XXXX, however, when I recharged up my XXXX I had {$200.00} of credit in XXXX now they will not credit my account correctly to ever pay my account down. In XXXX XXXX I owed approximately {$270.00} per the statement if I paid all minimum amounts due which I have in 3 years it would be paid off. I have paid all minimum amounts due every month and on time all months since then except 2 months so only for 2 months should I have had late fees and other fees. All other months were paid 1-4 days early and no matter if I paid in the store, by mail or online directly to XXXX XXXX even if they promise to charge no more late fees still they do. So today my account is over {$820.00} on many occasions I have complained to them still they will not credit my account properly without adding all kinds of late fees and other fees. 
Then in XXXX they sent me a special notice my credit was available for {$350.00} and t go shopping for XXXX. I had not charged anything all last year. So I paid my friend to drive me & spent over an hour made sure when entering the store I had {$350.00} credit they said yes. Then they denied me since I could not find my card so I found my card they had made me put back all items so I spent another 1 hour finding my items again and then they denied me again saying my balance on my card was too high ( of course because they did not credit me properly and added on too many late fees when my payment was not late and too many other fees. Now they took my credit score from XXXX to XXXX last I checked. I am very upset over this. Can you please help me? Thank you. 

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

Kindly erase these inquiries. I have no knowledge of them, and the company acted without my approval.
Product: Debt collection

I disputed the validity  of two debts this agency is reporting on my credit reports. They sent me a copy of one alledged bill and not the other. The issue I have is that this bill is stating two addresses of one that I did not live at so in fact it is not valid. That address is n't on my report and I do take my credit very serious and hate to be denied due to false information. It 's not reporting any payments, when the last payment was, or anything that is verifiable or valid. It does n't report any data but is sitting on my   reports. I have no outstanding bills from the address they claim this debt is from. All I asked is for this company to remove from my files.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> ( I dont have the exact date ) I logged into my edfinancial account and my overall account was reduced by $ XXXX. I did some research and it had looked like I got some money forgiven under the Biden Administrations since I was a XXXX XXXX recipient. 

I logged back into my account in XXXX and the $ XXXX had reappeared into my account- this also impacted my credit score. My credit report shows that my school loans increased by $ XXXX. 

I have tried contacting edfinancial and they told me that there were no changes to my account which is FALSE and that I need to message the credit comapnies however, the credit companies are reporting correctly because my account did get an increase overnight of $ XXXX. I have also been out of college for 6 years so it is not like I got a new loan. 

Also, one of my loans is reporting the wrong school and when I tried to tell them about it they said to contact my school which I did and they said that it is on edfinancial to fix.
Product: Debt collection

I wrote a letter to company requesting them to provide me a 1099-c for a debt they are reporting on my credit report. Since this was written as a LOSS and Irs requires me to submit a 1099-c for any canceled debt which debt qualifies for. I send a certified letter to the company and got no replies from there. and they are still reporting a inaccurate information on my credit reports.
Product: Credit reporting or other personal consumer reports

I was a victim of this data breach and I would like for this be deleted immediately