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

I was sending {$4000.00} to my newly opened bank account at Bank Of America from my other account from XXXX XXXX so I can cut a check to the mortgage company for my down payment. XXXX XXXX does not have checks and Bank of America only allows a maximum of {$1000.00} per transfer. I did 4 separate transfers so I can meet the {$4000.00} needed for my Bank of America XXXX BOA ) Account. 

The transfers were suppose to take 3 days to post to my Bank of America Account. After 3 days I checked my BOA account on XX/XX/21 and it would not let me log in. I contacted BOA and they said your account has been closed and to call back in 24 hours. They said they are investigating it and could take up to 3 months to refund the money. They told me I should call back in 24 hours. 

On XX/XX/21 I went to A branch for further information and the local bank said that they couldn't see the reasoning of why the account was closed because it is private on their end and told me to call risk management. 

Later on XX/XX/21 I called the BOA department of risk management She said the account was not closed unlike the previous person I have spoken to at the bank. She said the account will be closed because it was a BOA business decision ( no further explanation from them ). She said I will not get my money back until the account is closed and investigation is completed. It will take 10 to 15 days after the investigation to send out the money and had no conclusion on when the investigation will be done. They stole my money and are making money off of it for their business when I need my funds for my house. They are hanging onto the money while I struggle to make ends meet. They are putting my ability to purchase a house on the line and are doing part slowly at their pace. I did nothing wrong.
Product: Checking or savings account

Hi my name is XXXX murder  on XX/XX/2017 I received money from Social Security for $XXXX it was going to the business which is called direct   express  is it located in XXXX XXXX  Texas their telephone number XXXX-XXXX-XXXX  That company is very hard to get in touch with tried to get in touch with them it’s almost impossible well anyways I called the fraud department because after about 78 months with my head became a little clearer I said a look at it all my money was gone so I ask him to send me a statement because I’m expecting statements every month they tell me they’ll send statements out because they charged you $XXXX per statement and I told him I think there’s a mistake I should have more money in the bank I think either you make aA mistake or somebody stole my money so we talked for about an hour I explain to them what happened I have a pay which I have a picture of her name and address was there she was my ex fiancé I fired her right before I got the check because of personal reasons but the account that stay open for two loads if you read the Social Security manual they can still operate with that card and I’ve also had identity theft which I have very suspicious about her so anyways I explain to them what happenedSo here are the disputes disputable 1-XXXX dispute number 2-XXXX dispute number three XXXX dispute number4 XXXX so after we got all the disputed they told me they would mail out some forms that I needed to fill out  They told me they would be here within 10 business days I’m still waiting father never sent me nothing never got the file that I never got to process I have a police report the police seen it they know what’s going on I’ve had a dirty theft my Social Security card was stolen you think they will dig a little deeper into this they sent me one piece of paper from some company called XXXX  which I’ve never heard of the company says there was a conflict of interest which I really don’t understand what the conflict is Four different disputes they only investigated one and they told me that the investigation is over there’s nothing I can do you need to hire a lawyer if you want to continue investigating this case so that’s what I’m doing I sent you guys a picture so you could take a look XXXX  and see you all Social Security is really dealing with thank you my name is XXXX  XXXX  appreciate your time
Product: Mortgage

My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to freeze my credit with TransUnion after XXXX hack. Have tried multiple times to reach TransUnion via phone and web over the last few days, but they say they are overwhelmed. I feel this is no excuse ... they are holding my credit hostage because they are understaffed. It was easy to freeze my credit on XXXX website. I imagine TransUnion is purposely trying to avoid having too many people freeze their credit reports. This is unreasonable.
Product: Credit reporting or other personal consumer reports

In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and cnac told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. Experian also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX and the disputed companies that the inquiries would be removed.
Product: Checking or savings account

NFCU changed their online service to my account and all customers ' accounts to mask over the total cash listed on the top of accounts to be accurate only on the first of each month, After the first they reflect in the cash amount at the top of statements a reflection of projected interest that is earned on CD 's this should be against the law if they want to reflect a projection on CD 's then that should be in the CD section only, The amount of cash in my account to include CD 's should not change except on the 1st of each month after all interest is paid on the Last day of the prior month. The problem they create is the balance should be an easy way for me and anyone else to see if any money has come out of my account if so, we could look quickly through our accounts to see if someone stole money or if the removal was due to a debit from an auto pay or use of a debit card ETC.. Under their current system that should be against the law my Cash balance changes nearly daily and can mask a theft and example would be if I look at my account today and the account went up XXXX dollars overnight I might overlook the fact that it really went up XXXX dollars and someone stole XXXX dollars their actions that would require me to look through every individual account daily for fraud is unconscionable, The cash total updated on the first should only change when money is actually removed or added not some hypothetical and bogus CD amount that is a total lie since closing a CD early would result in penalties and they are not part of the equation nor should they be just like the projected earnings should not show in my cash balance if they want to show a hypothetical CD balance then do so in the CD section and the CD section ONLY. NOT IN MY CASH BALANCE.
Product: Credit reporting or other personal consumer reports

When I XXXX  from XXXX  I got XXXX credit cards. The one in question is my Forever 21 credit card which was paid everytime it was used. I went away to college and never received the bill in the mail. They did not send me an ebill or even an email telling me payment was due. My name on the card is also spelled incorrectly. When I got home from school I received a call stating I am 90 days late on payment. I explained my situation and they removed all of the late fees. I paid off the remaining balance that same day. The bank told me this would be taken off of my credit report since I paid the balance and they removed the late fees. That was in XXXX the late payments are still on my credit report. I have sent XXXX letters to comenity bank and XXXX letter to all of the major credit bureaus. Comenity bank sent me a letter telling them to contact them at a specific number. Which I did. They told me that since the late fee was from XXXX they could not help me. I needed to send a letter to the dispute department. Which I did. I have still not received a response from any department. I just would like some help to get this off of my credit report. I have never had a late payment on any of my cards.
Product: Debt collection

I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so
Product: Credit card or prepaid card

Yes this is a complaint against cash at by square, I have a cash app card The last 4 is XXXX, and on this card I locked it then I ordered me a person green card I was charged {$5.00} and some odd cents for this card by cash out by square, when it came to activate this new card cash app wouldn't allow me to activated. 

Then I've been writing customer service, too fix this problem, Cash up a taxi for front and back copy of my identification state of New York a my bank statement in according with my bang I sent it to them with all transactions in the balance of my money blacked out except my home address and the last four digits of my account number because my bank XXXX XXXX Does not Trust cash it but it's square or Square, Because four reasons that a lot of there customers was complaining about this to Cash App by Square. Due to the fact that cash app has been hacked on numerous occasions that I agree with my bank and a friend of mine 's that works for New York State Department of Motor Vehicle better known as DMV, Said I shouldn't send them my front and back of my driver 's license because this is help if of identity get started especially a company called Cash App by Square. 

All I'm trying to do please get my new cash app card activated and have no more problems with these people at Cash App. Now they're asking me to send it again from the back of my identification and bank statement. Which I said to them 1 2 3 I believe up to five times and they avoided and they still playing their little games then they gave me a number to call I called the number and they we're mad because they've been sending a lot of people to call their number and they're the people that handle the transactions of transferring the monies and all this they complain about how cash at by square likes to beat around the bush and play their games with their customers and given their this company 's telephone number out what they have nothing to do with cash out all they do is have them the transfers. 

I wish you guys could access my chat but I'd be more than happy to screenshot them and attach it when I hear something back from you guys all I want is my card activated or my money that they're kidnapping or stealing sent out to my bank card that's on file. 

I would like to thank you for your time and I tindly wait for your response. 


XXXX and XXXX, XXXX XXXX XXXX
Product: Debt collection

Tne first year into program things were going great. We were told to direct all inquaries from debt collecters to freedom debt relieve. We were told we have lawyers at little to no extra exspence to handle any and all issues that may lead to court. Then we get served by XXXX. Guess what XXXX  wants all there money RIGHT NOW! and that " i was told not to pay my bills '' is not a defense. So we scrapped together what money we had and paid the bill to make this nightmare end. Two mouths later, at dinner time I get served again by a different debt collector again asking for all there money in full once again. My wife and I were told we would be taken care of by freedom debt relief. But when we get sued we have to settle the case not FDR. I was scammed. Now were stuck in a huge hole being sued by multiple debt collectors. HUGE MISTAKE. I want out and need a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to Equifax and XXXX a collection in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account has not been updated by the ( 2 ) bureaus to report accurately the current payment information and because this information has not been updated, this account has now been sent to collections and never should have been. This account information needs to be updated. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Vehicle loan or lease

Hi, This is my story. 

The lease for my XXXX Hyundai XXXX has a maturity date of XX/XX/XXXX. Initially I was going to sell it to the Dealer, but after realizing that what they were telling me was erroneous, I retracted. Originally, my vehicle had been grounded on XXXX by the dealer, and I was even granted an extension from Hyundai Motor Finance, to wait for my vehicle to be ungrounded, in order to purchase it. On XX/XX/XXXX, an agent from Hyundai Finance confirmed seeing my vehicle ungrounded and instructed me to process the payment for the payoff amount ( {$15000.00} ) online, which I did. 

I have evidence of {$15000.00} going out of my bank account effective XX/XX/XXXX, this is the amount I was provided as a payoff amount by the agent from Hyundai Motor Finance. 
Supposely my title would be sent to me between XXXX days, but on XXXX I decided to call back because I hadnt received it. 

The agent that I spoke with said that my initial payment was insuficient, and that in order for the tiltle to be released, I needed to process an additional payment of {$320.00}, which I immediately did while on the phone. I also have the evidence of this amount going out of my account. 

Between XXXX and XXXX I called almost every day to check on the status and to see through that the new payment was applied, my account was closed and that my title was emitted. I spoke to multiple agents, and three supervisors, which each assured they would get the payments applied and my acocunt closed. One of them even gave me his name ( XXXX XXXX XXXX, and his supposed direct line XXXX ext XXXX, and told me to call him back in three days to validate everything was solved. That never happened, because they dont even have direct lines. I never heard back from anyone. 

On XX/XX/XXXX I called again to check the status and they said that I was being issued a refund for both payments, since they need all in one payment, and my first payment was insuficient. That I should wait between XXXX days to receive those refunds which both had been submitted on XX/XX/XXXX. Later that week I received the check for {$320.00} ( which I still have on hand and havent checked ). 

Today is XX/XX/XXXX ( its been exactly 45 days since the submission of the last payment ), and I havent received the refund for the {$15000.00} or my tittle. XXXX is keeping my money, and not giving me the tittle, and that is the reasson for this claim. Today was the last opportunity I gave them, I called and one of their agents sent another email ( this same procedure has been done by everyone I have spoken to ) to cancel the refunds and apply the payments to my account to get it closed, but I truly dont trust them anymore. 

There is no transparency, no follow-up process, no communication at all. There is only one escalation protocol, which is from the agent to a supervisor and half the times the call is lost and no one calls back, the other half, the supervisor says that there is nothing else to be done, that I just have to be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX account 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Product: Debt collection

Im being threatened by this company called XXXX XXXX XXXX XXXX to pay my gym membership debt. 
They havent sent me any documentation or any letter in the mail stating how much the debt is. 
They have threatened me if I dont pay them {$820.00} they will report it against my credit. 
When I agreed to pay {$820.00} using my credit card they called me back saying if I XXXX XXXX them {$230.00} to the information they will text me I will not be held responsible for the {$820.00}. 
However they have failed to provide me with any contract or any other written documentation. 
As to what I have read about this company they have is negative reviews and it has a red mark saying there are alerts for this company. 
I dont know how to get this resolved and I dont want any negative remarks on my credit. 
How should I proceed with this. Please advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 Avant card closed my credit card with an explanation of " they felt I would not pay my balance '' at which time I was not DELINQUENT, or late. Nor had I been. My monthly payments had ALWAYS been way more than the monthly minimum. I have made several calls to company, they say I have to send emails to XXXX ... that they have no answers. I have sent NUMEROUS emails which have just been ignored. I have had card for going on two years. This closure has NO basis and has adversely affected my credit. It's clear looking at my history and credit this account has always been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 15-day demand letter for the method of verification. I disputed inaccurate and unverifiable information with Equifax in which they came back as accurate. At that time I was paying for Equifax consumer service where I was able to see my credit report daily. After the demand letter, I was not able to see anything. I called their online customer service and they too were baffled after having 2 open tickets no one was able to see it. However, I went into myequifax.com where I have access to the breach and I am able to see my information dated XX/XX/XXXX. 

I received a stalling letter from Equifax stating that it was unable to locate any file with the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX, however, I have attached 2 files on page 240 dated XX/XX/XXXX present address is listed and on page 157 XX/XX/XXXX both with that address. 

Equifax 's blatant disregard for FCRA has affected me adversely has I needed to move by XX/XX/XXXX. Because of Equifax 's continued reporting of this inaccurate information will be homeless by XX/XX/XXXX, as I got a 1-month extension. 

Additionally, I started additional disputes that should have been completed by XX/XX/XXXX per Equifax 's own estimation. Those requests too are stuck in never-never land, and when calling the representative they could give no answer as to when the dispute would be closed. 

Additionally, in XX/XX/XXXX XXXX XXXX XXXX notified the bureaus to delete items. I emailed and have disputed items with Equifax and their response is it has come back verified. How is that possible when this letter exists stating to remove it. Equifax never even took the time to conduct a dispute.