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

I deposited my first check as a realtor through Bank of America and what I thought would be a normal deposit has turned into XXXX weeks of ongoing frustration. I've been banking with them since I was in high school and have used their mobile banking app for years as well. When I deposited my check on the XXXX, at first I received a notice saying it would take up until the XXXX for the check to be deposited in my account. The next day I went to look at my account and was locked out. I then called Bank of America who informed me it would take up until the XXXX for me to receive the funds and that there was a possibility it would be returned and my account would be closed. Fast forward to the XXXX and the money is deposited in my account but I still have no access to my account and the only way I can see it is through my parents account. Then a few minutes later, everything is pulled out of my account and placed on hold. I speak to the fraud department as I am not receiving any information and have to reach out for updates. They tell me whatever was in my account would be sent in a cashiers check except for the check I deposited which is still under review. I then contact the title company that wrote me the check and they send me an inquiry showing the funds were taken from their account on the XXXX and already paid to me. I call back the fraud department with this information, not understanding why it is still under review when on the title company 's end it shows it went through. The fraud department supervisor tells me to ask the title company to recall the funds. I asked the title company to do this and they explained that since it went through there's not a way to recall the funds and their CFO got in contact with BOA but still nothing. I end up going in person to a Bank of America in the next town and speak with an associate. The associate calls the same fraud number Ive been calling for XXXX weeks and they tell her the funds were never paid to me and when Bank of America " negotiated '' the funds, the title company in some medium told them the funds did not belong to me. She couldn't give any details as to how they would've made this claim or proof that it was made. I got the title company on the phone and they were equally confused. Its going into the XXXX  week of me having no access to money I earned. I have bills to pay and fees that are due, I feel so dependent on my family and without their support I don't know how I'd manage. I believe Bank of America is wrongfully withholding my money and never investigated if it was even a fraudulent check but immediately flagged it. Instead of doing their due diligence, they closed a long time customers account without any notice and for no reason are not releasing the funds that belong to me. At the end of the day, the title company says they never filed a claim and the money was taken out of their account on the XXXX and was made payable to me. The money should have been in my account the XXXX but instead is frozen and Bank of America can not tell me anything.
Product: Credit reporting or other personal consumer reports

XXXX reached out to TransUnion, XXXX, XXXX by mail numerous times and yet no response putting these Bureaus over 30 days, 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The following accounts dont have account numbers which in fact shows that all three Credit Bureaus refuse to remove.

5 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
It has been over 30 days since you received my dispute on ( XX/XX/year> ). 
You have not responded to my Dispute and the law clearly states that information that has not been verified within 30 days of the dispute must be deleted. You are hereby put on notice that you have violated 15 USC 1681i and the blow account must be deleted immediately. 
TransUnion, XXXX, XXXX : XXXX XXXX XXXX TransUnion, XXXX, XXXX : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to get corrections done to my credit report with Experian on 3 separate occasions to include investigations into inaccurate information, old accounts not being removed, incorrect reported information etc. Experian never makes the corrections or updates the reports but states they did.
Product: Checking or savings account

I received a XXXX XXXX membership charge on my card for {$100.00}. I didnt authorize nor request this charge. I contacted XXXX to have the payment canceled and XXXX had no records of a payment. I was told to contact my bank and dispute the charge by XXXX. I contacted navy federal and disputed the charge. My fraud claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation or character because of my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 

They also violated my rights under : 15 U.S. Code 1681i section 5. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I disputed these accounts with Equifax because the collection agency/creditor was unable to provide the requested information needed for debt validation for these alleged debts. Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for these accounts which is negatively affecting my creditworthiness. Equifax completed their investigation, and the end results were that these accounts were " verified as accurate ''. I am requesting a description of the procedure that was used to determine the accuracy and completeness of the information that I disputed. Pursuant to the FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is required to send me documentation of the procedure used within XXXX XXXX XXXX of the completed investigation for determining the accuracy and completeness. 

*What certified documents were reviewed to conclude your investigation? 
* Who did Equifax speak or interview regarding this account - employee name and time? 
*What was the date and time of this conversation and how long did the conversation last? 
*What number did you call? 
*How did you come to this determination that these accounts were " verified as accurate? 

Account Name : XXXX, XXXX | Account Number : XXXX Per the FCRA, you are REQUIRED to provide this information within 15 days or delete the negative accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Product: Mortgage

Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX. 
XXXX assigned my mortgage to M & T Bank. 
As of today XXXX/XXXX/XXXX this payment has not processed. 
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does. 
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm. 
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I went to my local Bank of America to deposit cash my parents gave me to pay off my monthly college payment. The total amount deposited by me was {$3200.00} and the ATM only gave me {$300.00} at the time of my deposit. I immediately called my bank the next morning to open a claim. I was told by the bank that I would get the {$2900.00} added to my account temporarily and if they needed any more information they would contact me. After a month and a half of waiting, I was not given any updates nor was I ever contacted for more information. I came back from school for winter break with my mom receiving a mail saying their investigation only found {$980.00} out of the {$2900.00} that was missing from my initial deposit. My mom and I decided to go to the bank around XX/XX/XXXX to speak with them in person and to escalate the investigation. They reopened my claim and told me all I could do for now is to wait for them to finish the investigation. I called them multiple times to see if they had an update and XXXX out of the 4 times I called I would get the same response. The fourth time was when the lady helping me said she can try escalating it again. After our conversation, she told me that I would get an email within the next XXXX business days. Still, I did not receive an update given by the representatives so I called again. They helped me escalate again and finally I got an email about my claim on XX/XX/XXXX. The message I received was completely incorrect as if the fraud department was looking into the wrong time frame this whole time. It clearly stated, " We found the transaction you referenced but we can't find any record of cash or additional cash being deposited at the ATM for {$1900.00} between XX/XX/XXXX and XX/XX/XXXX. '' I called them again telling them how this investigation was approached completely incorrectly and they said they would reopen the claim and that I had to fax them a written statement of why it had to be reopened. Within a week, they sent me another email saying the same exact message about how they could not repay me because they did not find anything within XX/XX/XXXX to XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I XXXX XXXX went to pay my title loan to Title Max in XXXX Missouri at said time the manager of the XXXX XXXX location was very unprofessional and using scare tactics in an attempt to get me to pay more as unfortunately I was only 12 days late on my payment of {$280.00} due on the XXXX, she said I have 3 choices, 1. Voluntary surrender vehicle, 2. Borrow Money from family, 3. Pay off entire loan now. She even got her manager on the phone to be little me and I'm of XXXX and felt discriminated against, they refused to listen to my spouse XXXX XXXX who actually was the person paying the payment and he advised them what Missouri law was on this and they refused to listen even telling him to leave when he is our family bread winner and the payment is on his card! All he said clearly to branch Manager was we will only be making the {$280.00} payment for the contract amount due and pursuant to Mo Law u can not repo vehicle without 1st sending us a " Right to Cure '' and payment being over 20 days late which it was NOT! Both Branch Manager and her boss the District Supervisor, we're threatening and using unlawful scare tactics trying to make me pay more since I was unfortunately late! Title Max XXXX XXXX XXXX Missouri needs better training and coaching and I feel discrimination occured based off my XXXX! I made my payment and should be able to choose my payment method and not be harassed to pay more than the contract amount of {$280.00} if I don't want too! Lastly my spouse XXXX XXXX should be permitted if I permit to speak on my behalf since we're married and the vehicle is a marital asset, and since he is who is legally making my payment under his checking account! The district Supervisor even instructed the branch Manager to write out a statement on my reciept which was uncalled for and never asked for, these scare tactics are illegal and against the FCRA and Mo laws and discrimination against myself. Payment was made and now payment not due until XX/XX/XXXX which again we will only pay the {$280.00} lastly if my husband isn't permitted to pay on my behalf then title Max must provide an alternate avenue to make payment as he is my spouse and who I put in charge of all my financial payments. Allow my spouse to accompany me anytime I'm in office as I don't feel comfortable after this incident as he knows laws I don't and he protects me from frivolous incidents like this one and we're also filing a complaint with Missouri XXXX XXXX XXXX for investigation of discrimination in a public setting!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) and FCRA 15 USC 1681 ( a ) ( 4 ). Truth and lending act and the latter is right to privacy. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports. 
2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA.

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

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act XXXX accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to express my concern regarding an issue I encountered with my Wells Fargo accounts and the associated bonus offer. 

I opened both a checking and savings account with Wells Fargo and was informed by a representative that I would be eligible for a {$300.00} bonus upon setting up direct deposit. The representative did not specify which account ( checking or savings ) the direct deposit needed to be directed to, so I have been consistently depositing into my savings account for several months. 

After not receiving the promised bonus within the specified timeframe, I contacted Wells Fargo customer service after 90 days. I was initially informed that the bonus would be processed within the next month, as documented in a screenshot of our conversation. However, when I did not receive the bonus, I visited the Wells Fargo branch in XXXX, NY, where I was informed that my bonus eligibility was voided because the direct deposit had been made to my savings account rather than my checking account. 

When I mentioned I will take my money out because of unfulfilled promises, I was told by the representative, XXXX, that I could withdraw my funds if I want to. However, when I repeated her statement to confirm my understanding, she raised her voice and interrupted me, before abruptly hanging up on me. 

I find this situation to be both frustrating and unprofessional. Wells Fargo does not care about its customers as they do not provide bonus offer when they promise. They hold on to the money and promise you the bonus and after months do not live up to the promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 credit score over 719XXXX has me at a score around 590. 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.