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

My tax preparer wrongly direct my IRS refund into my closed business account : Bank of America XXXX XXXX XXXX. When we finally located the funds that the IRS had sent to this account, it was not rejected and returned to the IRS but deposited. After talking to many representatives since XX/XX/XXXX, I could not get a straight answer. I spoke with a representative to give the new account address to send the refund of {$4500.00}. I was told to wait up to 15 days. I waited and nothing came. I called into Bank of America again only to be told a check had gone out to the old address and a ticket would have to be submitted to cancel the check. I was not told when I would be issued another check. On XX/XX/XXXX, I received a letter telling me to call the Global Account Closure department for assistance with my cashier check. When I called, no one knew how to access my account. I then call the XXXX XXXX XXXX and spent 2 hours on the phone trying to get help. They finally found my money and said a cashier check would be issued. I received the cashier check made out to my business name and had to open another business account with XXXX XXXX   in order to cash it. This was on XX/XX/19. I received notice from XXXX that on XX/XX/19 the cashier was returned. I have been on hold with customer service numbers for hours unable to find anyone to help me locate and receive my refund of XXXX. I have been devestated by this. Unable to pay bills. I am under extreme distress. Bank of America is holding my refund and I don't know what else to do. 

They have had my IRS refund since XX/XX/XXXX in a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .XXXX and transunion . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I start to dispute a Car Reposesion with XXXX XXXX since about 9 months and I been sending disputes thru the usa postal service many times and sending certified and with return receipt and since this account is past the status of limitations the original open date was XX/XX/XXXX and now is XXXX of XXXX is time to fall of from my credit report and must be deleted immediately
Product: Checking or savings account

Bank of America contacted me by email and text on XX/XX/2020. They wanted me to verify if several charges had been made. There were several one dollar declined charges from XXXX XXXX XXXX XXXX in XXXX TX that they presented to me and one that was actually mine from XXXX. I identified the charges that I did not make and they cancelled my card and sent me a new one. The next day I looked on my account and noticed that they had let a XXXX XXXX dollar charge go through from the same grocery store. I called them directly and let them know this. At this time my account was overdrawn and I wanted to make sure that they did not charge me an additional XXXX XXXX dollar insufficient fund fee. She thank me for making them aware of it and ask me questions. such as did I have my card or did I know of anyone who could have my card. They did not credit my account for the XXXX XXXX dollars until XX/XX/2020. The credit is pending while they investigate the fraudulent incident. This is not their normal operating standards. They normally will not let me over draw my account while making purchases with my debit card, but they let this one go through. Additionally they are now telling me that the credit is pending. I can prove that I was at work in XXXX, TX at the time of the fraud.
Product: Mortgage

Last year in XXXX and into XXXX of this year XXXX, Bank of America Homes Loans had been looking at my loan ( # XXXX ) for a loan modification. During the review process, my Privacy Laws were severely violated, which cause unbelievable damage to myself and my children. An employee of Bank of America at the time, XXXX XXXX, gave my ex-wife, who was not on the loan or had any authorized access to my information, damaging and incorrect information without my consent or knowledge. My loan modification was recently denied and now being foreclosed. Bank of America has a duty to keep my loan information, and any personal information private. The entire loan review modification process of my loan was tainted, and my Privacy Laws severely damaged. I have proof of this with phone records ( texts, e-mails from my ex wife ), as well as testimony from myself, my children, and others. The information was used to slander me as well as torture my children with incorrect information that my ex/wife used to scare them to sleep at night about losing their home, among other threats. The occurrences took place mainly in XXXX, XXXX and XX/XX/XXXX. My life and financial stablility have been crushed by Bank of America 's poor and pitiful attempt to protect my Privacy Laws. I have retained an attorney to represent me, and this is also another financial burden. I would like a response asap as my home is in foreclosure, and my kids and I are going to be kicked out because of Bank of America 's callous and ridiculous actions. Thank you!
Product: Credit card or prepaid card

Comenity Bank has been down since XX/XX/XXXX and I was not able to make a payment on my Ann TaylorXXXX card which was due on XX/XX/XXXX until the site was finally up ( briefly!!! ) on XX/XX/XXXX. I paid in full and asked that my account be closed. I checked twice during the week to ensure my store card was closed ( it was not! ) only to find that COMENITY IS DOWN AGAIN! ( today XX/XX/2022 ) I have other cards with Comenity but they are all on autopay and I have no idea whether they autopayed on the right days, whether they are going to be listed as late to the credit bureau but based on what i am able to see on XXXX, millions of people are having similar or worse experiences. I am luckily in that these are simply store cards that I can simply not use and as long as I do not get pinged for any late payments, but I am trying to rebuild my credit and will need to buy a car in the next 6 months and do not want this to adversely affect my credit rating. I am shocked that there is so little news about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, transunion is reporting it as XXXX, XXXX is reporting it as XXXX University, and XXXX is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!
Product: Vehicle loan or lease

On XX/XX/2022, XXXX XXXX XXXX sent Carmax a check for {$13000.00} to pay off my auto loan as I have refinanced my account with XXXX for a much lower interest rate than Carmax ... Carmax-16.95 % XXXX % On XX/XX/2022, I also paid an additional payment of {$400.00}. XXXX from XXXX emailed me on XX/XX/2022 as Carmax advised them ( XXXX ) bank that I still owed on the vehicle {$60.00}, and they were not releasing the title. I informed XXXX that I wouldn't pay them as they inaccurately reported the account. As of XX/XX/2022, Carmax applied the check towards the account. CARMAX WILL NOT RELEASE THE TITLE as a result, the bank has informed me that they will have to release withdraw the loan. I am reporting this to the FTC for FRAUD. 

XXXX ( Customer Analyst ) from CARMAX corporate office XXXX stated that he would look into the matter within 24-48 hours. However, I received a call that Carmax informed them that my payment was rejected, which is incorrect. There are documents of 33 pages attached to include payments that were NEVER rejected. 

I have reported CARMAX TO FTC FOR FRAUD AS WELL.
Product: Credit reporting or other personal consumer reports

Synchrony Bank is the Bank holder of many different credit cards I didn't know they owned. I have 4 credit cards with them. Out of nowhere they closed 2 of my accounts and lowerer my credit limits on all 4 cards which are the only ones I have. They are all with them. The reasons they are giving for why they did this is false and my payment history is 100 % and I have never had a late payment. This company dropped my credit score XXXX points and ruined my scores and life. I am going to get a lawyer to sue them. They also say theres info on my report that is not there and they made it up. The credit reporting company says what their saying is false and not on my credit report. They also say my credit is too new well guess what its all with them before that I used cash and not credit. And they my {$2600.00} debt is too high on a total house income of {$60000.00} which is ridiculous. They need to take responsibility for the lives they are ruining. They have a better business score of 1 star and XXXX complaints. They should be shut down.
Product: Debt collection

On XX/XX/year> while serving in the military a fellow service member stole a duffle bag containing my birth certificate laptop cell phone social security card tax returns and many other sensitive documents this individual was never caught and has been using my identity for several years I have tried many times to dispute these accounts with credit bureaus but with little help
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account and is holding me hostage for {$160.00}. My boyfriend had sent me various amounts of money in XX/XX/2021 for groceries and shopping things. Now out of nowhere Venmo says my boyfriend disputed the charges ( which he says he did not ). Now instead of investigating the dispute they just assumed it was correct and have tried to take money from my account. I have sent many emails to them explain my boyfriend did not dispute any charges, he called his bank and they said they would reach out to Venmo, and he sent a support ticket to Venmo. Venmo has been extremely rude and unhelpful. How can they refund money sent with the comment groceries from two months ago.
Product: Credit reporting

I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft.
Product: Credit card

Citi XXXX XXXX was opened in XXXX - Initially, everything seemed legitimate. I paid my bills using online XXXX checking for two months without any issues. However, starting with the third check, Citi received my payment, copied the check, and sent me a letter stating they didnt know which account to apply the checks to. They then claimed I hadnt paid my bill. I have only one account with Citi, and they clearly have my name, company name and address? Despite this, they contacted me again today to say I am delinquent, even though they received full payment, on time, over two weeks ago. 

I tried to close my credit card account. After speaking with four representatives, they started a slow paper-based investigation 15-day process to resolve the issue. Previously, they blamed me for using online checking instead of sending a paper check with a bill stub. 

This continued for months, and I stopped using the card and wrote another letter in XX/XX/XXXX. 

Citi received the first letter and contacted me saying the problem was resolved and apologized but could not say how its resolved, but did say I am all paid up. I will receive my awards in XXXX, and they will close the card in XXXX. I have not used it. We ended the call with the individual gave me a phone number to call in XXXX to close the account. 

Then two days letter I received two more letters from Citi. One issuing a refund check {$270.00} ( I assume it's for the late fees they charged me no idea ) and the other letter saying I owe them {$590.00} and they also contacted credit reporting agencies. 

I called the number the woman gave me XXXX and they couldnt tell me anything outside that ( for the third or fourth time now ) they will open an investigation, and it will take 15 days. Reference number XXXX. They had multiple people contact me and I thought the last person actually understood and agreed with the charges but was missing a check. I gave her XXXXXXXX XXXX  transaction number and 10 days later they found the missing check again. 

Now they sent me a letter saying they found it and I still owe them money. They owe me XXXX and they keep calling saying I have not made my payment. So I called them again today they stated they would file my inquiry, and I can send them the spreadsheet, but they may ignore it because to them its closed. 

Meanwhile my credit score went from over XXXX to XXXX and will continue to go down since they keep reporting I owe them money.
Product: Credit card or prepaid card

I received a Money Network card without my knowledge or consent from my employer for wages earned for a temp job I took. My employer XXXX told me I can cash a money network check for the balance on card in the amount of {$2300.00} and cash it at XXXX XXXX XXXX XXXX XXXX and couldn't provide reason. Now my money network card shows XXXX balance with a check that can't be cashed, which is very strange. Called money network got the runaround and was hung up on and disconnected for 2 hours strait on XX/XX/2022 from my employers office that can confirm this. Got someone on the phone said check was good tried cashing at 2 different banks and declined again. Called money network again on XX/XX/2022 from my employers office and more run around and being hung up on. Called money network XX/XX/2022 rep said to fax image of check then hung up on. Called money network XX/XX/2022 they said cant tell me if they received my request. Called money network XX/XX/2022 more runaround. Called money network XX/XX/2022 they said call during the day. Called money network XX/XX/2022 they said they would void check put funds Back on card in 24 hours, no money on card Called money network 2 days later on XX/XX/2022 and they said to send image of voided check, they confirmed receipt and said funds would be on card in 24 hours, no money on card of course. I have spoken to other representatives as well. I have been getting the runaround and hung up on for 6 days now and still have not received my money that I worked for. Money Network is attempting to illegally and fraudulently steal my money for no reason, by using deception, scripted responses, stonewalling, delaying, disconnecting call, playing XXXX, transferring call, hanging up, making me jump through hoops, call back, and still my {$2300.00} is not being put back on my card. I am the card holder and I am in possession of the voided check in question and I'm the only one that has been in possession of the money network card and money network check since receiving it from my employer. One other strange fact is that check for {$2300.00} hasn't been cashed but there is XXXX balance on card, which doesn't make sense. I am now in financial trouble because money network is refusing to put funds Back on card with their fraudulent business practices. I have kept meticulous records of this entire process and the persons to whom I spoken with. It appears that money network is looking for a reason to fraudulently delay or illegally steal my money and I desperately need my earned wages be rightfully returned to me.
Product: Credit reporting

TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue. 
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately. 
Both XXXX and XXXX are reporting your credit card correctly. 
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union. 

Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation. 

I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I was sued by Lloyd & McDaniel for a debt that was already paid.I entered into a settlement agreement with the creditor for the amount of {$880.00} from the original amount of {$1200.00}. The creditor 's attorney at the time, XXXX XXXX  XXXX, XXXX, sent me a notice that the debt had been settled and the account closed ( please see the letter dated XX/XX/year> ). I was never served with any paperwork for the suit that was fled regardless of the General Session court documents from XXXX XXXX indicating she was served on XX/XX/year>, and she maintains that the debt was settled prior to the suit. I hired a lawyer who has requested Lloyd & McDaniel vacate the judgement and after two letters they have failed to reply.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a victim of the XXXX data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Product: Credit card or prepaid card

US Reliacard has refused to re issue me a lost card after following verification protocols with the State and US Reliacard. I have resolved any issues with the state. i do notricting access to my funds and account for more longer wish to have reliacard as my cardholder service as that is their wish, however my funds should be able to be removed from the card and the only way to do so is to transfer the funds into my account from the card. They have been holding on and restricting access to my funds and accounts for over 2 months. 

Please assist with a resolution.