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

On XX/XX/XXXX I contacted XXXX XXXX - Cadence Bank XXXX XXXX XXXX XXXX, TX XXXX Attention : XXXX XXXX Phone : XXXX I inquired about the status and funds in my joint banking account and was told that my savings account no longer had funds and was closed by the other party on the joint account. The other party ( XXXX XXXX ) is located XXXX hours away in XXXX XXXX Texas and when I asked who authorized the closing of the account, XXXX XXXX had no record of a recorded line or signed forms confirming who authorized the closure. Although XXXX is who wrote the bank note given to XXXX XXXX to close the account on XX/XX/XXXX. 

On XX/XX/XXXX I then also contacted Bank Manager XXXX XXXX who looked into the operations of closing this account, and on XX/XX/XXXX I was told that due to XXXX XXXX having been personally known by XXXX, they did not have to go through standard protocol of having both parties ( XXXX XXXX and myself XXXX XXXX ) in person to close the account. 

My joint account was wrongfully closed by the workers of Cadence Bank on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to www.myfico.com to pull my credit reports before applying for an auto loan. I was able to pull all of them except Equifax because it said my information in their system didnt match. Ive never had that issue before and just thought it was a system glitch. The next day or so on XX/XX/XXXX I applied for an auto loan through XXXXXXXX XXXX XXXX Kentucky. They were able to pull my XXXX  and XXXX  scores but my Equifax file said no credit file found matching that info and the bank suspected fraud and denied my loan. I contacted Equifax on XX/XX/XXXX and was told there was some sort of internal hold on my file and that i needed to submit a copy of my drivers license along with a social security card or birth certificate and wait XXXX business days for it to be corrected. It has been almost 20 days and I nor any lender can access my credit file. This has caused me to be denied credit. I have called them and faxed information several times and NOBODY seems to know what the issue is. Every time they just keep saying send more documentation. This should be illegal for an agency to be paid to maintain a file on my financial history and I cant access it when I choose! When I get anyone on the phone they just give me the run around. Nobody is actually working on helping me figure out the issue. I am now in the process of figuring out how to take legal action. I have lost financing several times in the last few weeks because of this. I need serious help with this matter. Im literally on the phone with them as we speak and the agent hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter out to the credit bureaus. I called to get a status on XXXX I was told that no letters were received. I sent another letter on XXXX and I havent received a response. We are approaching 90 days and I feel that Im being toyed with and one is taking me seriously and I feel Im being taken advacntegw of. In Section 611 in the FCRA states that failure to investigate the items in 30 days gives reason to immediately remove the items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand that these items are removed immediately or I will file litigation do to the stress you have caused. I have been impacted by The XXXX breach and my info may have been tampered with and used by an unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights
Product: Credit card or prepaid card

I have had a MasterCard ( MC ) with Bank of America ( BoA ) for well over a decade. Until early 2019, I also had checking and savings accounts with them ( for decades ), but I had to close those accounts because BoA decided to start putting holds on my on-time, ATM-deposited check payments for my MC balance, holds long enough to incur a late-payment penalty, for checks from a credit union account which they had been promptly clearing for years. That is not the issue for the current complaint, but is the point in time at which BoA starting playing these MC payment games. 

The current complaint begins XXXX XX/XX/2019, when I used BoA 's phone payment system to make a {$400.00} payment to my MC via " electronic '' check. This was the first time I had paid via this method, and when I entered my credit union 's routing number and account number, I entered the account number as I always do, that is, without any leading zeroes. The next day I checked to see if the payment had cleared, it had not. Called BoA customer service, was told that they needed the leading zeroes, gave them the full account number for the e-check and was then told that only ONE charge of {$400.00} would be made to my credit union account.

Checked my balances a while later and saw that TWO {$400.00} charges had been made to my credit union account, both posting on XX/XX/XXXX. Called BoA and was told that the erroneous, extra {$400.00} would be refunded to my credit union account in " 2 to 5 business days ''. The actual refund was at least 10 business days later. 

I always pay ( at minimum ) the new balance total for each billing period ( and usually, all charges beyond the close of the billing period ) and have never incurred ANY interest charges on my BoA MC. Imagine my surprise when I opened my 2XX/XX/XXXX XX/XX/2019 billing statement and saw that I was being charged {$18.00} interest on XX/XX/XXXX Called BoA and after again enduring their ridiculously long wait period, was told that the interest was for the {$400.00} that they had CHARGED to my MC ( posted XX/XX/XXXX) to refund THEIR erroneous, extra {$400.00} previous debit from my credit union checking account! I was then told that they could not immediately refund the erroneous interest, but that the refund would appear on my next billing statement and that I should pay the full amount, including their NEW error, to avoid further interest charges! 

So, I open my BoA MC billing statement for XX/XX/XXXX XX/XX/2019 and what do I see? Along with a refund of the {$18.00} erroneous interest, which posted on XX/XX/XXXX there is an ADDITIONAL interest charge of {$22.00} on XX/XX/XXXX, even though the very same statement shows that I paid the FULL balance total, INCLUDING their erroneous interest charge of {$18.00}, EIGHT DAYS before the payment was due. 

There are two possibilities : 1 ) BoA is not capable of basic financial calculations, OR, 2 ) BoA is using the American Consumer as an unwilling source of what are effectively short-term, zero-interest loans to BoA. 

I know which possibility I believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Product: Checking or savings account

For at least two years the Bank of America has been unable to apply my overdraft protection and so I am constantly being charged a {$35.00} overdraft fee which is itself obscenely high! 

XXXX XXXX and XXXX have XXXX XXXX but the Bank of America is so incompetent it can not prevent this problem. 

It has lots of incompetent personnel as otherwise this would not be a problem that has last at least two years!

The Bank of America should be called the Bank of Incompetency!
Product: Debt collection

The credit bureaus keep disrespecting the laws and so does this company. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this Furthermore I have been disputing this for over a year. It has been removed from my husbands credit report I want it removed from mine! 

They have sent me letters but not a contract WITH THEM SHOWING I OWE THEM THIS DEBT. I HAVE NO CONTRACT WITH THEM. Statute OF LIMITATIONS AS WELL. 
ALSO HOW IS THE ORIGINAL CHARGED OFF AMOUNT AROUND $ 7k and its now showing over $ 12k owed! 

15 USC 1692f UNFAIR PRACTICES
Product: Mortgage

we applied with amerisave mortgage corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX georgia XXXX for a refinance mortgage they were offering all kinds of discounts for 30 year fixed loan with next to no closing cost if you took higher interest rate. we had done a 15 year fixed mortgage with quicken loans that we closed on XX/XX/2018 we realized the payments were higher than we wanted. so we decided to which to 30 year loan. thats where amerisave came in. they would not except appraisal we just had done in XX/XX/XXXX with quicken loans so they ordered another appraisal in the mean time they were very picky about personal info they wanted like we had never seen before. they made us change our home owners policy the way they wanted to be with out us knowing and before we even set a closing date they contacted our insurance co. and had amerisave listed as lein holder on home owners ins. the appraisal came in at XXXX higher than it did in XX/XX/XXXX they had a problem with that and tried to have appraiser change the value of our property from XXXX to to some crazy low value XXXX the appraiser refused to do this so they canceled our loan and did not even pay appraiser the fee he earned that we paid them for.
Product: Debt collection

This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.
Product: Debt collection

Winn law group aggressively started their collection efforts for the XXXX XXXX account back from XXXX which was already stipulated and paid by the client on XX/XX/XXXX. Winn law states there is a law suit and threatened the client to renew legal complaint because they have not received any payments on the account and are demanding a full pay plus legal fees of On XX/XX/XXXX they issued a letter stating that attached judgement is sufficient documentation for debt validation. But failed to attached this judgement with their letter. 
After contacting XXXX XXXX the original creditor, we learned that client XXXX XXXX has NO past due obligations to the bank and that XXXX XXXX does NOT work or assign accounts to Winn Law. Winn law  states their client is XXXX XXXX XXXX XXXX  who supposedly have not received any payments or acknowledges any record of settlement. However, on XX/XX/XXXX XXXX has issued a settlement agreement to accept less than full amount in lieu of resolution of this account. And on XX/XX/XXXX funds have cleared client 's checking account. ( attached proof of payment ).
Product: Debt collection

I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies have provided me documentation regarding the accounts however Transunion hss refused to correct the inaccurate information that they are reporting dispite my supporting documentation from the creditors.
Product: Credit reporting

Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.
Product: Credit reporting or other personal consumer reports

Why is it so difficult to unfreeze my credit? You got in the way of my car purchase. You got in the way of my new home purchase. This isn't right. I have over 30 years of experience in the IT industry and am able to navigate XXXX very easily. TransUnion made me think of every not so tech savvy person out there, struggling to get by. The stuff I'm waiting on doesn't matter... I already have a home, I already have a car. But, what about the people that don't? This isn't right. It took me SO many attempts. Finally, I called. I waited on hold for more than 30-minutes. Finally, I was connected to the most amazing woman, her name was XXXX. XXXX stepped up and finally was able unfreeze my account. I purposely pretended to struggle to see if she would give up on me. I asked silly questions. I added fake delays and stutters to see if she would give up on me. She did not. XXXX, does not give up. XXXX, is the best asset you have. Every other piece of technology TransUnion has invested in is hot garbage when compared to the caring, compassionate person I found on the other end of the line. The world needs more people like XXXX. I wish I could met XXXX  someday, I wish I could just say thanks again. Thanks again, XXXX. You're amazing. Be well. And to everybody else at TransUnion, shame on you. Shame on you for your atrocious business practices. You don't deserve to call yourself a credit reporting agency. You stifle innovation and progress. TransUnion, you ... XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.
Product: Consumer Loan

My wife is XXXX, with a number of ailments, including a XXXX XXXX. She has never had any financial experience whatsoever and does not have a clue what any of the terms mean. Several months ago, our daughter " needed '' some money for something and she suggested my wife get a title loan on the Lexus I had just paid cash for. The TitleMax people were only too happy to take the title to the car and give her less than half of what it was worth. It appears she may have gotten something TitleMax would call " disclosures '', but she did not understand them and ended up signing under pressure for a loan with 116 % APR. 

She was loaned {$5000.00}, has made {$7000.00} in payments and they want another {$6000.00} to release the title. My wife is XXXX ( was at the time of the loan ) and can not work. I am currently ( for the past year ) undergoing XXXX for the second time. She is going to lose her car after paying more than ten times what she should have paid for a short term " loan ''. Its pretty clear these people, who have very aggressive phone sales practices, are dishonest sharks that ought to be put in jail. 

Among other things, we are alleging a severe violation of UDAAP - clearly my wife was at risk and they took advantage of her age and lack of financial sophistication. We want the title back and any money already paid that exceeds a fair rate of interest. These guys are serious crooks - why are they allowed to remain in business???? They prey on the poor and those who are down on their luck.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX  Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the re-investigation results conducted by Equifax, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans  face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!
Product: Debt collection

On XX/XX/, I sent a letter to National credit Adjustors asking to validate the debt I allegory owe. However, they have failed to reply to my request. It has been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND INQUIRIES REPORTING ON MY CREDIT FILE. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

When I asked the representative for American Express Serve what country he is in, he stated " United States ''. I do not want to give out my personal social security and date of birth to persons outside of the United States. He lied to me to get the last XXXX digits of my social security number.. When his supervisor answered the phone she, I asked her what country she is in, she started to dance around the question, then answered " XXXX ''. 
I asked the question because I do not give out my personal information to service people not in this country. 
This is fraud. 
This is fraud at the service level.
Product: Debt collection

This collection agency is not licensed or bonded in my state, and are trying to collect, please remove this from my report