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

Called Bank of America customer service for over 6 months about monthly fee being charged on my business checking even though linked business brokerage account had sufficient funds to waive fee of {$16.00}. this is happening with several of my business accounts. Customer service said she is not waiving the fee and said the manager will not waive the fee. I summised their website states the fee is waived if at least {$5000.00} average is maintained in the checking account or linked investment account, I upheld my side, they have sqaundered theirs. Numerous escalation attempts at management failed to have a call back nor a resolution. I have spent over 20 hours of phone time over 6 months with no resolution of this matter. Just today, after numerous calls, I finally had the fee waived by another call center however they said the computer has flagged me as no more fee waivers even though it was the banks error over the last 6 months. The bottom line is bank of americaXXXX XXXX associates and managers don't know the products and services they are selling to avoid the monthly fees correctly.
Product: Credit reporting

I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted XXXX & Experian credit reporting agencies on XXXX different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.
Product: Money transfer, virtual currency, or money service

I transferred money from my savings account to purchase an XXXX on XXXX XXXX useing XXXX and it turned out to be a scam. I lost {$180.00}, no recourse to recover my loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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: Checking or savings account

It is on my business account with PNC bank. Business LLC. 

They deducted {$55.00} out of my account on Saturday XX/XX/XXXX. I did not sign up for a new program or was I notified of any pending deductions I want my money returned immediately or i want them to pay damages because it is causing me to be late on my credit card bills which will negatively impact my credit and finances
Product: Credit card

Its a total bill that has been sent to collections. I dont even know who the company is. I have been unable to work for physical medical problems. I can not pay this bill. At this moment I can not even afford food. Im sorry as I have always made an attempt to rectify these kinds of things but I am elderly and XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to initiate a bank to bank transfer of {$200000.00} from my XXXX XXXX savings account to my M & T checking account in preparation for closing on a home. The transfer was supposed to have completed on XX/XX/XXXX, however, on XX/XX/XXXX, the money was instead returned to my XXXX online savings account. I subsequently learned that M & T has a daily incoming transfer limit of {$2000.00} and a 30 day transfer limit of {$5000.00} in a call to them on XX/XX/XXXX. I contacted M & T again on XX/XX/XXXX in an attempt to request a raise of this limit to allow me to transfer {$63000.00} from my XXXX XXXX savings account to my M & T checking but was rejected.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC . ) Due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2020 I deposited a check from You, Office of the Illinois Attorney General. 
I noticed that when I made the deposit that Bank of America made No funds available to me that day which I needed a portion of. I called BOA and spoke to an agent who informed me he could not help me and the funds would not be available until Today, XX/XX/2020. I called back again and BOA would offer me not further assistance. Here it is XX/XX/2020 and I have already paid my health insurance for {$600.00} because BOA said the funds would be available today and they are not. I called BOA immediately only to find out that they said they could not trust that you, the Illinois Attorney General, would have the funds in the account. I said the agent Tuesday told me that these funds would be available today. I said now my check will bounce and I will get hit with a {$35.00} fee for that and other transactions. I was told there was nothing they could do. I asked to speak to a BOA Supervisor who said that the first agent should not have told me the funds would be available. The Supervisor said there was nothing they could do for me because their processing dept. pushed the date out of the XXXX now because they did Not feel the Illinois Attorney General would have the funds in the account. I never heard anything so ludicrous. The Illinois Attorney General would not give me a check that was no good. I am a senior citizen and I am in tears again because of BOA. I need these funds in my account today as originally promised. I am sickened by the way BOA treats seniors and their lack of empathy for my situation here. I want the people of Illinois to be aware of what they did and how I was treated by this bank. I have been lied to, treated unfairly and BOA does Not assist in giving me any help whatsoever.
Product: Mortgage

My bother passed away on XX/XX/2016. He had a home equity loan on the old family home with Beneficial XXXX. He owed them a little over {$40000.00}. I was named the executrix of his estate. I knew he had a life insurance policy on this loan, but was n't sure how much or what it involved. When I called to tell them about his death, I asked about it. Of course they could n't give me any information. So I faxed them the death certificate and the short form. I did n't hear from them on any resolution to the situation. I had an estate attorney try to get somewhere, because the house is in limbo and they keep adding late charges. The estate attorney after numerous communications and requests for information finally found out that there was a {$60000.00} life insurance on the loan, which is more than sufficient to pay off the loan. I signed the beneficiary forms and they were sent to wherever they had to go. Now I am receiving foreclosure letters ( both registered letters and regular mail ). I am beginning to feel harassed. Plus the late charges now have the loan up to almost {$45000.00}. I really want this matter settled. If anything they owe me {$15000.00} from the life insurance. What can I do?
Product: Money transfer, virtual currency, or money service

In the fall of XXXX, we received a letter from your office stating that the funds " appear to have been rejected and not blocked '' and advising us to contact the XXXX XXXX  Bank of America to confirm the rejection and return of funds. 

Following that guidance, we submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) ( Complaint ID : XXXX ). The CFPB portal later noted that Bank of America had responded on XX/XX/XXXX, yet no response was ever received by XXXX XXXX XXXX or by myself as the authorized representative, despite repeated outreach via email and phone. We have now exhausted that complaint process, and the matter remains unresolved. 

Request for Escalation and XXXX Support : We respectfully request that the XXXX XXXX XXXX XXXX XXXX escalate this matter with Bank of America and provide support in facilitating the immediate return of the funds. Specifically, we ask that XXXX : Engage with Bank of America to confirm the status of the rejected wire transfer and determine where are the funds. 
Support the immediate return of the full amount XXXX  {$95000.00} to XXXX XXXX XXXX originating bank account. 
Provide any further guidance on how we XXXX proceed legally or administratively should the bank remain unresponsive. 
This situation has remained unresolved for more than XXXX years and has caused substantial financial and operational hardship to XXXX XXXX XXXX We have acted in good faith throughout and now require direct assistance to resolve the issue. 

Please find attached : Your original response letter ( XXXX XXXX XXXX ) A copy of the CFPB complaint summary confirming the complaint process and lack of resolution We are prepared to promptly provide any additional documentation you XXXX require, including the original invoice, SWIFT transaction records, and contractual documentation.
Product: Debt collection

Diversified Consultants is attempting to collect a what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX
Product: Debt collection

This was about XXXX XXXX ago I cant remember the correct date but I was paying XXXX a month for internet service on a program and XXXX changed there services I wasnt aware of it and they started charging me 3 times the amount they cut the service off but still tried to charge me XXXX dollars..
Product: Credit card or prepaid card

I recently started to monitor my credit reports and noticed alot of fraudulent inquiries, charges, accounts, etc. I First disputed this particular account from Citi Bank with all three credit bureaus. XXXX, XXXX, AND XXXX ALL " INVESTIGATED '' the Citi Bank Account. All three came back with different answers and all report different information. On XX/XX/2022 I finally called and got ahold of someone at Citi Bank. I spoke to a young women and told her I didn't know my account number or any information about the account because it was opened fraudulently but I noticed it on my credit report and wanted to have it removed and asked her what i needed to do to fix it. She asked me for the account number i told her a second time I didnt have XXXX because the account was opened by somone else. She then asked for my social security number. I gave it to her and she then aksed for my address i gave it to her then she asked if i had another adderss. I told her no. She then said please verify some information for me and asked me a bunch of questions about old acounts and information i should only know. Alot of the questions I couldn't answer. She then asked me for my address and phone number then she tells me to wait for a call from a different department. On XXXX I get a bill from Citi Bank saying I owe them {$350.00}. I check My credit report and they updated The account with my information. Not the Original information and my credit score went down XXXX points and Has a derogatory remark on it. This is not right. I called to have them fix the issue not make me responsible for a fraudulent account. They never called Me or emailed me either. They need to be responsible for this fraudulent inquiries and remarks and making my credit score significantly lower than it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX and CAVALRY PORTFOLIO SERVICE, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX  CAVALRY PORTFOLIO SERV / XXXX Balance {$3600.00} and CAVALRY PORTFOLIO SERV XXXX - Balance {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights by verifying the accuracy of XXXX XXXX XXXXXXXX XXXX payment history. 

THE PAYMENT HISTORY IS INACCURATE.
Product: Debt collection

I am writing to dispute a debt that has been reported on my credit report. According to 15 U.S.C. 1692g ( Validation of Debts ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a validation of the debt. I have no recollection of this debt and was not provided an opportunity to dispute it as required by law.

If the creditor or collection agency believes they have given me proper notification of this debt, I request that they provide proof of this notification. Specifically, I am asking for the certified mail receipt with my signature that verifies I received such notification. Without this documentation, the debt should be considered unverified and should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

A Domestic Wire Transfer was initiated on XX/XX/2021 for {$9200.00} from Chase Bank to a XXXX Bank account. The money was never received by the account recipient. Chase removed the amount from my account and claims it was sent to XXXX Bank. XXXX Bank claims they never received the funds. After numerous phone calls for 2 days straight both banks claim they do not know where the transferred money is. Todays current date is XX/XX/2021 and there is no news on where the wire is. Neither bank is taking accountability for the money. They continually bounce me around to other departments on the phone claiming there is nothing they can do. Each bank says the problem is with the other bank and try to release themselves of responsibility and offer no assistance in communicating with the other bank to resolve the issue.
Product: Debt collection

I had a debt from the 1990 's ( a vehicle ) and I received notice from the treasury department that my income taxes were being intercepted for this debt by a lawyer for Asset Acceptance Corporation. I have learned that this supposively went to XXXX district court in XXXX MI and it is on my public record as a lien. The statute of limitations is surely expired and now I am having a hard time getting credit. I need assistance on what I should do. This same lawyer has also went after a friend of mine who owns his own company and threatened legal action against him because I briefly worked with him. Please advise as they continue to harrass me. I have not spoken with anyone about this situation.
Product: Debt collection

I have been frequently called by XXXX claiming the business as " RBC '' in XXXX, OH  ( upon further research, they go by multiple names : Richland Bureau of Credits , Medical Service Bureau, RBC , Inc., Richland Bureau of Credits Medical Service Bureau , Inc., Richland MSB ). They have called me more than once a month for about over a year now. I have since blocked their number, but now am receiving new calls from XXXX ( XXXX XXXX - XXXX, FL ). I know the debt I have due and it is not to any of these agencies. None are providing information on the amount or type of debt owed. I have since blocked the XXXX XXXX number as well. Additionally, I do not live in either Ohio or Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent a dispute over to XXXX XXXX XXXX XXXX  due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from Transunion, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item. 
This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it. 

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding XXXX XXXX XXXX XXXX.
Product: Credit card

All of my credit cards show me when a promotional rate ends ( for balance transfers ) except for Discover. Are they supposed to provide this information on their statements?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$25000.00}
Product: Debt collection

I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX card and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against XXXX policy and they should be fined for trying to collect a debt that is not owed.
Product: Credit reporting or other personal consumer reports

I did not XXXX authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts on my credit report are fraud opened account. Please look at the attached documents. TransUnion will not remove the fraud accounts even though I have provided proof. Please delete this stuff
Product: Credit card or prepaid card

on XX/XX/XXXX i tried paying the XXXX XXXX XXXX XXXX   {$300.00} via her website i tried 3 times but kept getting an error message, i tried calling bank of america, the toll free number on the card seemed to be closed, i called the following day and spoke with an agent and was told this sometimes happens, they could see the rejected payment attempts, i was told i would receive another card in the mail, in XX/XX/XXXX i tried using the card, but was unsuccessful, i called to check via the automated system and was told the balance was {$0.00}, i called the bank america service # and was told there was an error and would be sent a new card, i waited several weeks and did not receive a new card so i callled bank of america again, i was told they wont be sending a card, they never said they were going to, they also lied and said there was no record of me ever trying to pay the XXXX XXXXXXXX XXXX XXXX, the card has XXXX XXXX on the front XXXX XXXX XXXX XXXX exp XX/XX/XXXX ccv XXXX, they are liars and cheats and are trying to steal my money
Product: Credit reporting or other personal consumer reports

My auto loan with Santander Consumer was showing on my credit report as paid in full it's now not showing anymore on my credit report due to the Credit bureau erroring in reporting.
Product: Checking or savings account

Proved chase @ XXXX XXXX XXXX a power of atty on XX/XX/XXXX they have not processed our request today is XX/XX/XXXX. 
My brother in XXXX had XXXX we have a power atty to chase si we can manage his account. He has in XXXX. In account we need to make deposits and pay his bills. 
He had a XXXX XXXX on XX/XX/XXXX. No linger moves freely or talk. 
Please help us get this account back taken care of
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the customers financial protection act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX Balance {$4100.00}
Product: Credit card

I DID NOT AUTHORIZE XXXX XXXXXX/XX/year> PLEASE REMOVE
Product: Checking or savings account

Trying to link my account to XXXX and am being told pnc has made a change to my account that won't allow it to be linked. I need access to my accounts the way I want to use it.
Product: Debt collection

A Jefferson Capital System is damaging the credit report and worthiness by reporting false and deceptive transactions history. Authorization was never given to XXXX nor Jefferson capital to furnish private source data information or share with a third party. Violation of permissible purpose