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

On XX/XX/XXXX, I deposited my payroll check thru the ATM at around XXXX XXXX, before their cutoff time, my payroll that it's drawn from Bank of America. I've been depositing my payroll checks from the same company thru the ATM for the past XXXX XXXX years. A hold was placed on my check the following day making the funds available until the following Tuesday the 26. I called customer service on Saturday morning and spoke to XXXX from XXXX New York to ask why there was a hold and if I can get it removed since the check is drawn from their bank and they can verify if the funds are available. She was not helpful at all, she did not give me any reason as for why she couldn't release the hold and that it didn't matter if it was drawn from Bank of America. I had no choice but to wait until Tuesday. Tuesday comes around and my funds are available but they decided to charge my accounts 2 debit transactions on Monday while charging me 2 non-sufficient funds fee of {$35.00} each. To my understanding from their agreement, all debits and credits done over the weekend and Monday, are processed on Tuesdays, So I don't understand why they decided to process my debts on Monday. Even if they wanted to process them, they could have paid them since they could see that I would have money available the next day. Now, on Monday XX/XX/XXXX before their cutoff, I went and deposited a cashiers check for {$5000.00} thru the atm and they decided to place it on hold also until XX/XX/XXXX. Now to my understanding, a cashiers check is guaranteed funds. So I called on Tuesday XX/XX/XXXX and spoke to XXXX and his manager XXXX from XXXX XXXX customer service center and asked them if they can help me and remove the hold. All I got from them was that it was still a check and it was subject to that type of hold with no regards that it was a cashier 's check. Now I have to wait a week before these funds are available with no valid explanation. while I had them on the phone I asked about the debt transactions that they processed on Monday and all I got from XXXX the manager was, " that's what came in ''. I really feel like they are not there for their customers anymore and feel like this is a XXXX XXXX kind of situation where they decide what's best for them so that they can charge fees.
Product: Credit card or prepaid card

I lost my job in XX/XX/2019, since then I've been struggling making my payments. 
I have reached synchrony bank repeatedly asking to lower my interest rate with the card. 
I had 2 credit cards with them the Amazon and the TJ Maxx, I paid off TJ Maxx and as soon as I paid it off the closed the account without letting me know. 
Now they are charging me high interest rate and they don't want to help me with the payments with the amazon card, they make harassing calls every day and when I answer and try to see if they can help me they just hung up on me.
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 XXXX XXXX XXXX. 

Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : # XXXX XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was suppose to handle it. but the problem was never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to lift my credit freeze. Went online and was supposed to be emailed a code to verify my identity. The system never sent the email, so I called and follow the steps, when I attempted to place the date range, the automated system kept stating that I was putting in the wrong dates. 
I called and the agent acknowledge that they were having trouble with their systems. This was Friday, XX/XX/XXXX. Today is XX/XX/XXXX and it's still not working and I am about to lose out on a vehicle I am trying to purchase because my Transunion credit file is still frozen. 
Called again on XX/XX/XXXX and was told they couldn't help me. 
Please advise.
Product: Debt collection

XXXX sent out dispute letters/call to speak to XXXX XXXX was told what to XXXX in XX/XX/XXXX I sent out dispute letters to all 3 credit bureaus XX/XX/XXXX I sent out letters to dispute all 3 credit bureaus Today is XX/XX/XXXX no reply for the letters sent to all 3 bureaus
Product: Checking or savings account

On XX/XX/XXXX there was a cashed deposit of XXXX. Due to XXXX XXXX  the manager place an hold on account. As I am sure of it because on XX/XX/XXXX I get an call asking whom was the person to make the deposit. I have never in my life went through this before. I been calling leaving message with a lady by the name of XXXX XXXX. Whom not once thought to call back and give reason to why there was a hold in first place. The policy doesn't say you have to be a certain XXXX, wear attire, hair to deposit funds in the bank. You can have someone else deposit money in your account you would think by now XXXX  wouldn't exist. But all the calling and going in the branch to get funds release is not working and I'm just tried of going back and forth on funds that belongs to me. The amount of stress is uncause for my XXXX XXXX is up due to this. I feel like anybody that is XXXX shouldn't bank here this was very unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my 3rd request to have the correct spelling of my name and address updated on my credit report along with my drivers license, Social Security card and bank statement showing proof that this company is reporting incorrect information. This problem is causing me to be denied of necessities that I need to survive such as a apartment and car loan. This company is refusing to update my correct name and continues to send me letters to send in my Driver 's license and Social Security card even though I've already done so. My name is XXXX XXXX and I need this information updated immediately.
Product: Credit card

( This submission is related to existing complaint and contains uploaded documentation not included in previous submission. ) On XX/XX/2023 disputes were initiated for two charges. On XX/XX/2023| requested that these two disputes be closed and the money returned to the merchant. The merchant reports the funds have not yet been returned to his account and threatens legal action unless I send him a check for those amounts.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of two accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by 15 U.S.C. 1681c-2, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed XXXX XXXX account. It's reporting on transunion as late by 120 days. This same account is reporting as paid on time with the other two reporting agencies. I have disputed it many times. I also spoke to XXXX XXXX about it. I recently closed my most recent XXXX XXXX account because they never fixed it. The date that I'm reporting at late on is AFTER the date my account was actually closed
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I'd like to receive written verification that I have a debt that was obtained directly with Enircle Collections per section 609 of the FCRA. To date, the company has not provided me with any agreement that I've made with them directly. Where is the validation of debt paper work that I have with Encircle Collections?
Product: Mortgage

Good Afternoon We have a problem with an appraiser that you use that will be reported to the state and federal government for low balling and redlining our communities On XXXX XXXX the appraisal for XXXX XXXX, XXXX, Tn XXXX she low balled the house {$25000.00}. 
On the second appraisal XX/XX/XXXX XXXX XXXX, XXXX, Tn which is a larger and more updated home she low balled the house {$35000.00}. 
Do we want investors buying all the houses and renting them to consumers or are we going to help veterans become homeowners? 
XXXX XXXX was built in XXXX and the rehab was very extensive New plumbing, new electrical rewiring, new roof, added central air/heating, new hot water tank, 2 new bathrm updates with cabinets, fixtures, and flooring, new kitchen with cabinets, fixtures, and flooring. 
In XXXX walls were built with plaster and all the walls and ceilings were replaced with sheetrock, new fixtures, and doors. 
The medium home price in this country is {$400000.00} and in our city it is around {$270000.00}, but to appraise a newly renovated XXXX bedroom/ XXXX bath brick home with over XXXX sqft for {$110000.00}, {$35000.00} less that the veteran offered is not fair to ask the veteran to come up with an additional {$35000.00} to buy
Product: Checking or savings account

Bank of America has failed to protect me. I filed a dispute on XX/XX/XXXX, the chargeback was initiated on XX/XX/XXXX ( 6 days later! ) and to date, no resolution! My family traveled to XXXX Florida on XX/XX/XXXX. We booked on XXXX  based off the advertised information and price. Upon arrival from our 7 hour trip, we pull up and enter a home that was totally different from that which was advertised. I scrambled to find us additional accommodations, on such short notice, and filed a claim against the merchant the very same day-XX/XX/XXXX. There have been nothing but lies and deception from the investigative unit since I filed this claim. Read the notes! The customer service level is VERY low, the reps are quick to be sarcastic with you while providing either the incorrect information or dishonest inforMation- depending on the way you look at it. I called on Tuesday of this week, XX/XX/XXXX, because it has been 45 days since the claim was filed with the merchant. Bank of America claims the merchant has not responded. The merchant said they did. I have been the ONLY ONE to send in information from my own investigation while the reps at BOA twiddle their thumbs. This case has LITERALLY not changed status! When I speak with the reps and even their managers, always met with the same level of frustration from them that I am already experiencing with this ordeal. I literally just moved over my business accounts but this low level of service is about to make me move them right on back to where they were! This is ridiculous! I went in a branch today and even SHE was hung up on twice-n not counting the number of times I've been hung up on! Where is this high service level that BOA spends millions advertising?? Where are your employees? Why is no one accountable but quick to quote policy to me? Who is running this department? I think I spoke with her once but there was no continuity. As you can see, the claim is still in the same status it was when filed on XX/XX/XXXX! RIDICULOUS! I HAVE BEEN THE ONLY PERSON INVESTIGATING THIS CLAIM! The service level given to this claim in particular is bogus, sub-par, and should be extremely EMBARRASSING to BOA!
Product: Payday loan, title loan, or personal loan

I borrowed at the most according to when they tell me that I have {$25.00} or 20 at the most to borrow this account go back to XX/XX/XXXX from what I was told from cash 1 loan somehow I started borrowing using my cell phone making a transaction on my cell phone with cash 1 loan ( no inside building paper transaction ) the problem is that Ive been paying {$180.00} every month towards a loan that Im still paying on still as of today I feel like Ive been paying off on this account forever it seems like Ive been playing on one payment for three months before I could see any changes in the amount owe and the more I pay it goes up but not down why am I at {$600.00} today XX/XX/XXXX from XX/XX/XXXX and still paying {$180.00} a month and still have a way to go I dont understand I even paid more then I should in the month of XXXX something is wrong here am XXXX and need support help with this issues please Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered fraudlent accounts linked to my profileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per XXXX  XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Mortgage

Bay Equity -refinanced an existing loan previously held for 10 years with XXXX XXXX  XXXX with notissues. New loan executed with Bay Equity -first servicer was Bay Equitty LLC , XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ). Received notification XX/XX/XXXX changing servicer to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ). 
Another mailing notification went out XX/XX/XXXX that we received the wrong mailing and to disregard and we were staying with the current servicer. Bay Equity LLC. Loan number changed from XXXX to XXXX. 
Received another notification XX/XX/XXXX and then another on XX/XX/XXXX. Each mailing had different instructions on how to make payments. Which I made all three timely. 
Issue I made a payment on XX/XX/XXXX as soon as I had the correct address to send payment to and check cleared, I made another payment XX/XX/XXXX for XXXX payment and check cleared. 
I then made a third payment for XXXX on XXXX XXXX electronically once I finally got access to the account electronically. 
One of my payments was not applied. I would not file this complaint but, I have made so many calls without any response. They do not answer the phone nor call back to the customer service line. I have called numerous times ( XXXX ) and have only made contact once. This is how I finally got the electronic account set up. 
They are showing late payment to my account and check number XXXX cleared my bank on XXXX from my checking account at XXXX XXXX but, not applied to my home loan. I have never had this much difficulty with a company never responding and their website has no other way to contact them but the customer service line they don't answer.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

In early XXXX of this year, I recently applied for the Chase Ink Visa business card account and was declined given the reason : Business too new, '' despite having provided an established and valid EIN and a personal credit report which they obtained from XXXX that indicated a nearly top score. Additionally, they assigned me their own internal risk score of XXXX out of a possible XXXX. All possible indicators demonstrated extremely high credit worthiness. On XX/XX/XXXX, I wrote to Chase regarding this nonsensical decline, providing further evidence of the business 's validity, it's banking account information, secretary of state filings, federal EIN filings and proof of contracted, recurring revenue far above any reasonable threshold for credit issuance. After a few weeks, they reopened the application then closed it in mid-XXXX  with the same boiler-plate response of " business too new. '' I thoroughly reviewed all of their published requirements, terms and conditions prior to applying for this card, and nowhere is there any stipulation of minimum business age. After speaking with a supervisor of the responsible team at CHASE, I was informed of their policies to decline new businesses and that they refuse to publish those policies because they do not want to deter people from applying. It seems highly inappropriate for Chase to have executed a credit inquiry against my SSN for a product that based on their known internal policies was already predetermined to be denied. I requested that they remove the credit inquiry and the supervisor declined. 

This is an absurd and deceptive policy that seems designed to harvest information with zero sincere intent of providing the applied for product. I have zero interest in doing further business with Chase on this matter, at this point I simply want their ridiculous inquiry removed from my credit history. This is a simple request that they have no reasonable cause to deny other than seeming laziness.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX