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

Bank of America closed out my Business Checking and Business Savings Accounts On XX/XX/XXXX, XXXXBank of America neglected to mail out cashiers checks 3-5 business days as indicated in the letter informing of accounts closure. 
A complaint was filed with the CFPB on XXXX because NO balances were for the Business Checking ending in XXXX and Business Savings ending inXXXXBank of America requested two extensions from the CFPB.The regulatory compliance officer from Bank of America name is XXXX XXXX . He informed me that Business Savings check had been released and mailed out. A check for the Business Savings dated XX/XX/2020 was received but inaccurately stated the Business Checking account number. XXXX XXXX was immediately contacted about the discrepancies in the Business Checking and Business Savings Accounts. XXXX XXXX was asked to release the cashiers check for the Business Checking being held. XXXX XXXX stated that he doesnt know why the Business Checking Account balance has not been sent. XXXX XXXX sent an email for me to contact XXXX FBI, Special Agent, XXXX. My response, Why Release my business checking balance immediately. I am a California resident operating a Licensed XXXX XXXX XXXX.why is myXXXX who has NO jurisdiction over There is NO jurisdiction or justification to continue to deprive me of my Business Checking Account balance. Bank of America must be held accountable. I must have my balance immediately because XXXX XXXX depend on agencies as XXXX XXXX. Why would Bank of America hinder a XXXX woman working diligently to make a difference in society. XXXX XXXX said it correctly, I dont know why your Business Checking Account Balance has not been released and mailed out. Especially, since your Business Savings has been released and mailed out with the wrong account ending. See the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX XXXX XXXX Filed/Reported XXXX XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not get accurate information regarding a dispute I had on a closed account with ally financial. The auto payment has been active since XXXX. No late payments and was NOT included in my bankruptcy. I have contacted ally financial and they are opening this now. My dispute was closed by Equifax and their information is incorrect. No payment has been included on my car loan. I started with a balance around {$9500.00} and down to around {$4500.00} I have 36 months left on my car. Its never been included in the bankruptcy. The bankruptcy was discharged over a year ago with that information as well. How this cant get updated correctly is beyond me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of 15 Usc 1681b and Usc 15 1682. Early warning illegally accessed my credit report, social security number and my private information without my consent and no contract. Then extorted me out of my information to provide me with a report they developed without my consent so they could save my private information and sell it without my consent. This company has violated the consumer fair reporting act. Early warning is keeping me from getting a bank account and are denying me access to credit and adversely affecting my life. They are holding my consumer report hostage for 15 days and refuse to email my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$62000.00} We accidentally sent a wire to a wrong old lender and explained the situation, we had bank of america place a recall on the wire transfer and the recipient sent the funds back on XX/XX/XXXX. Since then Bank of America is holding the funds and not letting us know why they are not releasing our funds at their end. They confirmed they have the money. They just dont give us a reason why theyre not releasing it. We have been calling Bank of America every day twice a day to get an update but we keep getting switched to different departments and nobody knows what theyre doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX COLLECTION RESOURCES INC XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA  held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.
Product: Checking or savings account

On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access. 

Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return. 

I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account. 

I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.
Product: Credit reporting or other personal consumer reports

Innovis reporting late payment from XXXX on XX/XX/XXXX for {$1000.00} XXXX reporting late payment for XXXX XXXX XXXX on XX/XX/XXXX {$3500.00} XXXX reporting late payments for XXXX  on XX/XX/XXXX {$3500.00} and XXXX XXXX XX/XX/XXXX {$1000.00} All are fraudulent accounts and need to be removed from credit report
Product: Credit card or prepaid card

This is not my account yet is listed on my credit report. I did not open this account EVER. This is causing serious life events to be unattainable.Company just stalls..
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Transunion my XXXX written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I financed flooring and installation from XXXX XXXX in XX/XX/XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}. <P/>Once I received an invoice from Synchrony Bank the amount was much higher than my estimate. <P/>I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank. <P/>I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX. <P/>I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service. <P/>Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX UNAUTHORIZED INQUIRIES EQUIFAX MORTGAGE SER XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EQUIFAX MORTGAGE SER XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a voice message on my work phone from MEDCAH on XXXX/XXXX/XXXX, attempting to collect a debt. When I called the number that was left by them from my cellphone, I informed them that they left a voice message on my work phone and I had to ask them what this debt was. The Medcah employee told me that it was a debt from XXXX XXXX from XXXX/XXXX/XXXX in the amount of {$87.00}. I told the rep that From XXXX/XXXX/XXXX til XXXX/XXXX/XXXX I have never received a statement from XXXX XXXX nor a statement from Medcah, she explained they sent a statement in XX/XX/XXXX. From XX/XX/XXXX til XXXX/XXXX/XXXX I have not ever received a notice from Medcah. I asked her to send me a statement and as of XXXX/XXXX/XXXX I still have not received a statement from XXXX XXXX or Medcah. I would not jeopardize my credit report for {$87.00}.
Product: Credit card

In XXXX I went to Best Buy to buy a laptop. At checkout, the sales representative told me there was a promotion where I could make interest-free payments for 2 years on the device by signing up for a Citi/Best Buy credit carf . I asked the sales rep to set up autopay on my account so that I would pay off the entire balance within 2 years. He agreed. For XXXX years I made automatic payments on this card, believing I would pay off the balance before any interest was accrued. 

In XXXX I was informed that the sales rep had set up the automatic payments incorrectly, and I had only been making minimum payments on the card ( not enough to pay it off within XXXX years ). By the time I noticed this, I had accrued over {$400.00} in interest charges. 

I tried calling Citi to explain the situation. They told me the Best Buy rep should not have done that. I asked if they would please remove the interest charges and if I could pay off the remaining balance. They said they would not remove the interest charges. So I ended up paying almost double for this laptop because the Best Buy sales rep incorrectly set up my autopay. 

I do not think this was ethical and that either Best Buy or Citi should refund me for the interest charges.
Product: Debt collection

We have near-perfect credit almost allways in the 800 range. While trying to buy a new home, a credit mark showed up from a XXXX XXXX Lab service done way back on XX/XX/2014. The company is now out of business due to fraudulent billing practices but a company called XXXX XXXX XXXX ( phone is XXXX XXXX XXXX ) placed the mark on my credit report without first contacting me. Their head of this account also verbally threatened me with a lawsuit if I did not pay in full immediately, which I take very seriously. I was also told that I could resolve the issue by sending them the Explanation of Benefits documents ( from my insurance, XXXX XXXX XXXX XXXX, which I did. They did not respond and the bad mark on my credit remains in place. I simply refuse to be extorted like this and companies that make these kinds of threats by inaccurately placing bad credit marks on your history need to be held accountable.
Product: Debt collection

Portfolio recovery calls morning noon night weekends holidays uses numerous unknown numbers I have received hundreds of calls from them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several errors on every account that were not fixed or deleted by Transunion. This is a violation of my FCRA rights. I will attach supporting documentation.
Product: Credit reporting or other personal consumer reports

After looking over my credit report with the reality company i noticed that there is an account I do not recognize from XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : 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. And XXXX has never been late
Product: Debt collection

I must inform you that it is unlawful to make baseless threats of legal action. Thus, I wish to express my strong intention to take formal legal steps against your organization. Despite my repeated requests for a thorough examination and correction of the erroneous data appearing on my credit report, you have persistently neglected to comply. It is my firm belief that you are obligated by law to investigate and rectify any inaccuracies upon receipt of a request, a duty which you have evidently disregarded in this instance such as not removing my negative items.rt. Despite my numerous attempts to address this issue with your organization, the inaccurate information has yet to be rectified. It is my understanding that as per legal guidelines, it is mandatory for you to investigate and correct any errors upon receiving a formal request, a responsibility which you have failed to fulfill in this instance. Furthermore, I have recently discovered a collection entry on my credit file from your agency, of which I had not been previously informed. I strongly believe that this debt is inaccurate and under the terms of the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request validation of this debt. Therefore, I am requesting that you provide me with documentation supporting the validity of the debt within a reasonable timeframe. Failure to provide the requested validation within the statutory timeframe will be interpreted as an admission that the debt is not valid and legally enforceable. Until such validation is provided, I insist that all collection activities cease forthwith, in strict compliance with the FDCPA. This encompasses all forms of communication with me or any third parties, credit reporting agencies, and legal actions.
Product: Debt collection

this company obtained my personal information without my consent and is reporting on my credit report for a debt of {$140.00} that I do not owe them. they are also violating the HIPPA law