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

On XX/XX/21 I opened a savings account in a branch so I could better manage my money. I was told I wouldnt be charged any fees on the account if I didnt transfer money from the account more than the allowed times per month. 

In XXXX, I noticed a fee was charged for {$8.00} and had no idea why. I reached out to BofA and was told to message them on XXXX and asked for the fee to be waived and how I could avoid the fee in the future. 

I was called by XXXX, ID # DYYJC today and he was rude and combative from the beginning. I let him know I was never given any information pertaining to the fee that was charged and he said there may have been a promotional period on the account to prevent the fee. I advised I never got any emails, letters or papers from the branch I opened the account in and that Im a college student taking care of my mother who just recovered from XXXX XXXX. He still refused to waive the fee and told me Im liable even though Ive never had a fee waived prior in reference to this account. This is the first time Ive requested this fee to be waived and its robbery for BofA to tell me Im liable for a fee I had no idea about. We are in the middle of a pandemic and the {$8.00} fee is enough for food and gas, yet BofA decides to nickel and dime me with no reasonable explanation. Had they waived the fee and told me how to prevent it, I wouldve been satisfied. However, they did nothing of the sort.
Product: Checking or savings account

I just created an account with Ally Bank only for them to approve me and to run into trouble as soon as I am approved their profile creation wasn't working so then I had to call Ally Bank and wait on hold for about an hour before I could get in touch with someone only for them to call me back 2 hours later and finally I could create me a profile only they had to do it because for some reason I couldn't do it on my own after that I ran into trouble with their XXXX not working for me to be able to transfer funds into the account because of course they don't offer virtual debit cards " okay I'm fine with that '' however their XXXX wasn't working so I ended up having to use my cash app to wire transfer funds into the account and that took another whole couple of minutes because I didn't know the routing number or account number and I had to look it up online after all this I was talking to someone on customer service mentioning all the problems I had and they had contacted someone about changing my password apparently and now I got locked out of my account because of too many tries so now I have trouble verifying my information because their system is incapable of knowing my name which is very simple and now I'm stuck with money I transferred into the account but now I have no money for bills and there's no telling when they'll get back to me not to mention I'll still have to wait for them to send the debit card. this is XXXX ridiculous it's outrageous they want me to verify with what exactly I'm XXXX XXXX XXXX I don't even have a job yet and they can't just listen to my information that I can give to them so what do I do this is very unprofessional for a bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from XXXX XXXX stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called XXXX XXXX in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from XXXX XXXX stating that I wished to change my billing preferences. I would like XXXX XXXX to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that XXXX XXXX should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXXNavy Federal Credit Union** Dear Sir/Madam, I am writing to formally file a complaint regarding the handling of my accounts, specifically related to the closure and ongoing hold of my account due to an alleged **security issue**. My account has been held for an **unreasonably extended period of time** without resolution or clear communication, and I have not received any updates for over XXXX XXXX. 



Below are the details of the situation : - **Account Number ( s ) **Everyday checking XXXX XXXX XXXX checking XXXX Membership savings XXXX Savings XXXX **Date of Account Closure/Freeze* ( XXXX ) Issue Described by Navy Federal** : " Security Issue '' - **Current Status** : Account is closed, negative balance, and funds ( approximately ** $ XXXX ) are still being withheld.
Product: Debt collection

Medical Data Systems has placed derogatory remarks on my credit reports. I never received any written notice regarding their collection efforts prior to reporting bad information and not allowing me the legal right to dispute or request validation of this alleged debt
Product: Checking or savings account

XXXX the amount of {$66.00} and {$100.00} were used on XXXX on my debit card. I was driving for a work event and got the fraud alert. I immediately cancelled card and reported it. The bank then refunded a majority of the fraud but denied the charges listed above. I requested info on what state the transaction took place so I could prove it wasn't me and they mentioned the charge was processed in California but they can't tell where it was made. I've never been to California.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to dispute an inquiry XXXX XXXX XXXX XXXX ) that appears on my credit report. The inquiry in question was made without my knowledge or consent, and it is inaccurate and unfairly impacting my credit score. 

I request that this inquiry be removed from my credit report as soon as possible, as it negatively affects my ability to access credit and other financial resources. I have reviewed my credit report and have not authorized this inquiry nor know it. 

Please provide me with written confirmation that this inquiry has been removed from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s1 of the U.S. Code states that consumer reporting agencies must include information on overdue child support in consumer reports. This information must : Predate the report by seven years or less Be included in any consumer report furnished by the agency in accordance with section 1681b of this title If you've paid off child support but it's still showing up as delinquent on your credit report, you can dispute the error with the credit bureaus : Dispute online or by mail : Use the contact information on your credit report to dispute the account as paid. Your dispute letter should include : The account in question A statement explaining the dispute Documents supporting your claim Contact the child support enforcement agency : Confirm if their records are updated. 
I've had a negative impact of child support on my credit report that not been updated my social security number has been missed used that's not lawful and I do not owe child support XXXX XXXX currency will like it to be removed XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX of 2019 I got a call from United Student Loan Assistance Center. I thought they were a legitimate 3rd party vendor to refinance my student loan. On XX/XX/XXXX19 they took out a payment of {$190.00} ( I WANT THIS MONEY BACK ). The fake contract said I was supposed to pay {$190.00} for 3 months. During this 3 month they were supposed to call XXXX XXXX XXXX and place a forbearance on my account. They called XXXX XXXX XXXX by impersonating me. I know that because a representative from XXXX  XXXX XXXX told me that ( I ) placed a call on XX/XX/XXXX19 ( I NEVER CALLED ). I also have this on recording. So, during these 3 months of paying {$190.00} they were supposed to be getting me refinanced with a new company. I verified with XXXX XXXX XXXX that from United Student Loan Assistance Center is not a legitimate 3rd party vendor ( when they told me this they did not hesitate at all ). A representative from XXXX   XXXX XXXX told me that there are only very very few approved by the federal government themselves 3rd party vendors that can help people with student loans. United Student Loan Assistance Center tried to take out XXXX onXX/XX/XXXX19, but I cancelled my credit card, so they could not take my money. A   representative from XXXX XXXX XXXX also told me that after I would have got my fake bill from my new fake lender that every single dollar I would have paid would not have gone to my loan at all. What would of happen is United Student Loan Assistance Center would have pocketed all my money and XXXX  XXXX XXXX would have sent me to debt collection. So not only would I have lost a ton of money, but my credit would have been ruined and if I didnt make payment to XXXX XXXX XXXX I could have faced jail time.
Product: Debt collection

Left several messages with the following on our voice mail : " This is a final courtesy call with the Weinburg mediation group. Before reporting that you have been uncooperative with the investigation against you. If we do not hear from either yourself or your legal representation today, we will be left with no other recourse other than to report your non compliance in this issue to the proper jurisdiction. Our office number is XXXX. '' When we spoke to them to let them know that my husband is military so garnishing his wages would be illegal he than cursed at us and said he'd see us in court after they sue us. They've also said that he would need to be at his job the next day because they would be coming to serve him court papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX 2023 Dear transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX, XXXX collections Amount : {$700.00} Account : XXXX Party Owed : XXXX collections Amount : {$350.00} Account : XXXX Party Owed : XXXX collections Amount : {$370.00} Account : XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed immediately This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit i notice there are alot of inquires on my credit report and i never applied for any credit with these companies XXXX XXXXXXXX XXXX  and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/year> XXXX XXXX XXXX - XXXX Personal Loans Companies XX/XX/year> XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Jewelry, cameras, and computers XX/XX/year> TransUnion XXXX XXXX And XXXX XXXX XXXX XXXX specific XX/XX/year> XXXX XXXX XXXXXXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX Banks XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX and XXXX & XXXX XX/XX/year> TransUnion XXXX XXXX XXXX, personal XX/XX/year> TransUnion XXXXXXXX XXXX  Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX Automobile Dealers, Used XX/XX/year> XXXX XXXX XXXX LAND Automobile Dealers XXXX New XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX Automobile XXXX XXXX New XX/XX/year> XXXXXXXX XXXX XXXX XXXX  XXXX personal XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX, personal XX/XX/year> TransUnion XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX Banks and XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> TransUnion XXXX XXXX Auto XXXX XX/XX/year> XXXX XXXX XXXX VIA XXXX Auto Financing XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX Automobile Dealers XXXX XXXX XX/XX/year> XXXX I want these items to be remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Even though my credit report was frozen, as well as a Fraud Alert on all three agencies, my account with Experian.com was hacked. Experian allowed someone to change my email address and password, effectively stealing access to my account. The hackers now have all my personal information. 

To restore access to my account, Experian is asking me to physically mail proof of ID. I wish they had asked the hackers for the same level of proof, especially since my account was under Fraud Alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. XXXX refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor. 
I disputed with the CRA on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is a inquiry and collection account on my report that I am not aware of and did not authorize Navy FCU XXXX
Product: Credit reporting or other personal consumer reports

I transferred my XXXX loan from XXXX to XXXX. XXXX is a XXXX balance. XXXX now has the loan. I am showing the full balance from XXXX on my credit report. XXXX is saying that their credit reporting is valid and accurate in a letter that was sent to me and its not. I filed a complaint with XXXX, all three credit bureaus, and Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX XXXX  charge off # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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: Money transfer, virtual currency, or money service

Hello, I was attempting to withdraw my XXXX XXXX XXXX XXXX to my hardwallet on Sunday, XXXX XXXX, 2022 and was receiving the following message : Sorry, this ETH withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX -I immediately contacted XXXX, the representative informed me I needed to submit some documents via a 'safelink ' but would not tell me why but to let them know once the upload is complete, and they'll be happy to expedite my case. -I submitted a single photo that contained the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. 3. A handwritten note that states the current date and says [ XXXX ] underneath as requested early morning on XX/XX/XXXX22 via the link : https : XXXX -I was told on the morning of XX/XX/XXXX22 that the representative is working with his team to resolve my issue regarding my account restriction. He will be sure to follow up as soon as he have the next steps. 'If you have any questions in the meantime or any additional details you think would be helpful, please feel free to reply to this email. ' -I replied to the email on XXXX, XXXX ( morn ), new ticket XXXX, emailed XXXX on XXXX, XXXX. - no responses. 
-I also sent DMs per their twitter to @ GeminiSupport and @ XXXX XXXX the owner ) - no responses. 

The Gemini Points of Contacts are : XXXX and XXXX, twitter accounts are @ XXXX and @ geminisupport. 

Thank you in advance for your assistance.
Product: Credit card or prepaid card

OnXX/XX/XXXX,  Home Depot in XXXX NY charged me XXXX as part of order XXXX for tile and materials for a special order. address is XXXX XXXX XXXX XXXX NY XXXX and phone number is XXXX XXXX
email address for manager is XXXX XXXX 

Due to the ineptness and disorganization of the project (we started planning the project inXX/XX/XXXX and as of last week they were unable to get a proper measurement and define the materials for the project after 5 weeks), we decided to not move forward with order XXXX. We have received no materials or services from Home Depot for this work order. I have been corresponding with XXXX XXXX for the last week and we have spoken to numerous folks in the store and they were very rude to my wife and told her they would not help her and XXXX and his team at the XXXX store is unwilling to reimburse the charge from our Home Depot account.

We spoke to XXXX from Citi Financing tonight and have disputed the charge and we will also speak to the Better Business Bureau and an attorney in the XXXX.

Please reimburse the XXXX this is very simple and should be very simple for XXXX or someone at the store to reimburse the charges but they are unwilling to do this and again have been very rude to us.

I will guarantee you that we will never shop at Home Depot again and once we get reimbursed we will close our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with XXXX and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents. 

XXXX XXXX XXXXPerfection Collection has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names. 
XXXX and XXXX has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX, XXXX Account # 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