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

I have been a Bank of America ( BOFA ) customer for 20+ years and has a platinum preferred account/customer status with no history of account abuse. I deposited a CASHIERS CHECK from my brother. I live in XXXX, XXXX  and he lives XXXX, XXXX. away. 
The check was issued by local XXXX XXXX XXXX XXXX and I deposited the cashiers check in-person at BOFA branch XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  on Monday XXXX XXXX at XXXX. Teller told me there is no hold and it should be available tomorrow. She gave me balance print out that said balance will be available for withdrawal next business day. 

Came back home checked account online around XXXX same day. To my surprise check has been marked for HOLD for 5 days. balance will be available for withdraw on SATURDAY XXXX XXXX at XXXX. Called customer service at XXXX response don't know the reason. lets wait for a day to see if its really on hold. Next day I check it online its on hold. called customer service - response don't know the reason for hold. went back to the branch asked for Manager. Spoke to XXXX XXXX and he immediately said we did not put a hold its the back office that put a hold OVERNIGHT and I would not know the reason. They wont tell me. On pointing out it was put on hold within XXXX hrs of deposit. He said I don't know its probably the difference in balance between checking account and the cashiers check. Pointed out your interest in checking account is XXXX and I do have other accounts a CD account and XXXX Account with much bigger balance. Also this is a Cashiers check. He took my DL and ATM saying he will try to figure out. Waited for more than an hour. Asked an employee to get back my DL and ATM so that I can go home. Finally He came back saying. Oh I tired but back office said the reason is confidential. For XXXX XXXX  this is a CASHIERS CHEK and I am 20+ yr old customer with status platinum preferred account/customer status. 


At least BOFA needs to provide a reason and how the block can be removed by a Manager/branch head. If it is customer ID and DL is not enough. I could have provided my passport. 

why banking service is so so bad at big banks like Bank Of America?????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXas 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXXXXXX XXXX  - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 ) XXXX XXXX - account # XXXX 5 ) XXXXXXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEGE OF THIS ACCOUNT. Notified Experian and they will not reinvestigate. Account info Account name XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$38.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 240 Months On record until XX/XX/XXXX XX/XX/XXXX
Product: Credit card

After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, " The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX [ Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : ( XXXX ) XXXX Subject : Formal Notice of Non-Debt and Demand for Immediate Account Deletion To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account number XXXX purportedly owed to XXXX XXXX XXXX XXXX I assert unequivocally that I do not owe any debt to your organization. Following a comprehensive review of the XXXX XXXX XXXX from the California Secretary of State, it is clear that no valid debts or liens exist under my name associated with XXXX XXXX XXXX. 

Legal Grounds for Dispute : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the unequivocal right to request validation of any alleged debt. To date, you have failed to provide sufficient evidence to substantiate your claims. Specifically, I have not received : A copy of the original contract containing my signature. 
A detailed breakdown of the alleged debt amount, including payment history. 
Documentation verifying the legal assignment of this debt, if applicable. 

Your failure to furnish these documents constitutes a violation of my rights under the FDCPA and undermines the legitimacy of your claim. Furthermore, the absence of XXXX XXXX XXXX from the lien search results substantiates that any account reported against me is fraudulent. 

Demand for Action : In light of these facts, I hereby demand the following actions be taken immediately : 1. Cease all collection activities related to the account referenced above, as required by law. 
2. Remove any and all entries related to this account from my credit report to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
3. Provide written confirmation of the accounts deletion within 30 days of receiving this letter. 

Failure to comply with these requests will compel me to consider further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal remedies for violation of my consumer rights. 

Please be advised that this letter constitutes a formal notice and demand under applicable federal and state laws. I expect your prompt attention to this matter and a resolution that reflects compliance with legal standards. 

All correspondence should be directed to my address or email provided above. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank of America would not release the funds on a government check as they have in the past, without notification and are holding the check for 10 days. I am a customer of 7+ years with this bank. I was not given any notice that they would not honor and release funds as they have in the past. This cause a serious problem for my workers, business, and home. I now have a lapse in health insurance, car insurance, 30 day lateness on my car and mortgage payment, and my payroll company will probably fine me as well, just to name a few. The bank has charged me over $ 500.00+ in bank fees just for XXXX. I want all my accounts reviewed and monies refunded to me that was unfairly charged because of how they hold money to create bank fees for themselves. This is predatory and discriminatory. I feel I am being targeted by Bank of America because I ama small minority businesses. 

I want my accounts reviewed, bank fees from the passed 7 years refunded that fit the criteria of unfair, abusive, manipulative, deceptive, predatory and shady. I want a letter from the bank that can be submitted to all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 XXXX {$220.00} Capital one offered a settlement for the above amount and I paid it. I was told the account will no longer appear as delinquent but it still appears on my credit report
Product: Credit card

I disputed a charge through Chase Credit card. Its employee with ext. XXXX has been unresponsive and irresponsible. 

She rebilled my account without good reason.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to correct inaccurate and outdated personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Equifax has retained incorrect versions of my name and addresses where I have never lived, even though I have provided my accurate information.

Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are obligated to maintain only accurate, verifiable consumer information. Equifaxs refusal to remove outdated names and addresses despite verified updates is a violation of this requirement.

Inclusion of Unauthorized Information Equifaxs persistence in reporting unauthorized names and addresses without proper validation violates my rights to accuracy under the FCRA. This unauthorized retention of outdated data, which I have not validated, is not only inaccurate but also potentially harmful to my credit standing.

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report negatively affects my credit score and overall financial reputation, hindering my ability to access credit and pursue financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute inaccurate late payment directly with Harley Financial services. They are continuing to report incorrect information. Please see attached file for review.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase using my Barclay XXXX XXXX that ends in XXXX in the amount of {$32.00}. 

On XX/XX/XXXX, within seven days of purchase, I returned the purchase to the merchant and the merchant issued a full refund to an entirely different card that ends in XXXX. 

I brought this matter to the attention of Barclay billing disputes, and a billing dispute was opened, and was subsequently closed because at that time, the merchant falsely claimed that the merchandise was not returned. 

However, in an extensive email exchange with the merchant between XX/XX/XXXX, and XX/XX/XXXX, the merchant acknowledged that the merchandise was in fact returned and that the refund was not applied back to the Barclay credit card ending in XXXX. Instead, the refund was misapplied to a card that ends in XXXX. 

I brought these additional facts to the attention of Barclay billing dispute on XX/XX/XXXX, and attempted unsuccessfully to call Barclay executive office on XXXX but no one would ever answer the phone or return phone messages that were repeatedly left. In addition, the entire email exchange with this merchant was copied to Barclay 's executive office email address, XXXX, and again, no one ever responded or acknowledged it. 

Barclay is required under the Fair Credit Billing Act ( FCBA ), to resolve this billing dispute, and has since failed to effectively resolve it which may result in legal liability, damages and attorneys ' fees under the FCBA.

In summary, as noted above, the original purchase was made on the Barclay credit card ending in XXXX ; however, when the merchandise was returned, the merchant misapplied the credit/refund to an entirely different card number. Thus, under the FCBA, Barclay has a legal obligation to resolve this billing dispute, including charging this transaction back to the merchant and issuing a credit in the amount in dispute including any fees and accrued interest associated with this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a potential employer asked to do a background check on me. I had nothing to hide so I approved it. It came back and showed information about potential criminal activity in another state that I have never visited or lived in. The company that did the background check was Sterling Talent Solutions. I spoke with them and they couldn't answer any questions for me. I spoke to XXXX and said my account is temporarily suspended and will be closed permanently on XX/XX/XXXX because of this. Now I was never in Arizona. I don't know what this means. And now XXXX is preventing me from getting jobs because of something I DID NOT do. The information they have is INCORRECT! I don't know what to do. I need to clear my name!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting or other personal consumer reports

I have been affected by a few breaches that have occured, I have free monitoring thru these companies and my bank. 
Experian has several vehicles inquiries on varing dates last year ( 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX have been notified of a few breaches that have occured, been offered free monitoring from them and my bank. All of my reports contain inquiries that I didn't request .... 
Experian has ( 5 ) vehicle inquires that occured XX/XX/XXXX ( XXXX ) XXXXXXXX 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 it appears it is due to come off as of yesterday but I never requested credit with them to begin with. 

XXXX has ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted XXXX and they did not have my name, bday, or social in their system and could not explain how this occurred without a record of me, the financial supervisor advised me to dispute it. 
When contacting credit bureau and companies, I was ultimately referred to Cfpb to report for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have called the company and asked them to remove the hard inquiry from my credit report and they said no we will not do that I don't have any business with these people and I have never opened an account with them
Product: Checking or savings account

Chase bank accounts recharge me for a past account which was paid in full and closed over two years ago. The company after being contacted by me stated the account was closed due to receiving the last payment, further action was needed. 
XXXX XXXX XXXX  XX/XX/year> XXXX XXXX Re : Customer # XXXX Dear XXXX, Please take notice that XXXX XXXX XXXX XXXX  ( the " XXXX XXXX '' ) has been dissolved effective XX/XX/year>. 
The XXXX XXXX hereby notifies you that you have no further obligation under any loan agreements entered into between you and the XXXX XXXX. 
All outstanding balances have beenforgiven and are non-collectible as of XX/XX/year>. XXXX assured since your loan was not reported to credit reporting agencies, the re are no tradelines impacting your credit report. 
For more information please visit lcofinancial.com/pressreleases Should you have any furtherquestions, please do so in writing, to XXXX Sincerely, Customer Relations XXXX XXXX XXXX
Product: Credit card or prepaid card

This company XXXX Navy Federal Credit Union ) has charged off credit card for nearly 4 years, have not sent me a 1099C, I deposited money into the checking account, and they debited my money from my account without warning, I need the ( Navy Federal Credit Union ) to CEASE AND DESIST from taking money from my checking account, and reporting income as debt on my credit report, I'm revoking any power of attorney that you think you to report my Nonpublic Financial Information to third party corporations ie credit report agencies, as they are not government agencies.
Product: Credit reporting or other personal consumer reports

False information that belongs to someone else, including name, addresses and affiliated reports on my credit report, leading to a lower credit score and preventing me from adding new credit lines. Issue has been ongoing for 8+ years, I have attempted to contact the credit bureaus multiple times to remove the information and dispute it but it continues to show back up.