23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress states in 15 usc 1681 s -2 ( a ) ( XXXX ) ( a ) 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. The irs defines a charge off as gross or ordinary income. Income is not supposed to get reported on a consumer report by law. So why is it being reported?
Product: Checking or savings account

Bank of America at XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX ; ( XXXX ) XXXX ] abruptly and without notice closed their lobby many days ago. I have been trying to access my safe deposit boxes multiple times for nearly two weeks. There is no sign that says why they closed, if or when they are going to reopen, and how or if existing paying customers can gain access to their safe deposit boxes. Vital personal paperwork ( car titles, homeowner 's insurance, advance directives to physician, last will and testament, etc. ) can be in these boxes, and customers are unable to access their property. This is creating a personal catastrophe for me. I have called multiple times, emailed as directed multiple times to XXXX, called Bank of America customer service, ( XXXX ), etc and still can not locate a responsible party who will open the lobby so I can access my safe deposit boxes. Could you please contact this organization and get the name of the responsible party at Bank of America who can open the lobby, obtain their plan of action for reopening, provide access to my safe deposit boxes, and state when and if they plan to reopen ... or if they are permanently closing. I would like one of your staffers to get on the phone with them, and to conduct a three way call with me to determine a date and time and the name of who will provide access to my safe deposit boxes. I have been a loyal customer for many years, have a bank account there, and I am very stressed that my life is suspended because there was not planning for a potential closure ... e.g. open the lobby for 2 hours in the morning on Mon, Wed and Friday. There is no corporate statement nor sign on the door as to the dates of closure, reopening, or why the lobby was abruptly closed. As a customer, I am obviously concerned about solvency of the bank. Also, I am paying rent to have my safe deposit documents/property held hostage and inaccessible. I am respectfully asking for your help because I have nowhere to turn. Is this practice even legal? Any help is greatly appreciated. 
PS I am acquainted with the Branch Manager, XXXX, who is a lovely and competent individual. She has always been helpful and has solved many issues for our family over the years ( college finances, car loan info, etc. ) I am confident that she is a sensible, responsive manager, but I can not speak with her since the lobby is closed. 

Bank of America XXXX XXXX in : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ]
Product: Debt collection

We got letter in mail that we owed medical debt and we wrote back to the company who contacted us as follows for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX FAX : XXXX Reference Number XXXX Dear Sir/Madam I am writing to you regarding the medical debt that you claim I owe. I would like to request that you validate the medical debt properly. 

As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. 

In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( and notarized ) by the provider ( original creditor :. I would also like to request a HIPAA document if any from the original creditor where I have signed, treatment provided, ICD-10 code ( Please make sure it is HIPAA certified ). 

Furthermore, I want to ensure that you are a legal debt collector in my state of FLORIDA. Therefore, I request that you provide me with a copy of your bond letter. 

I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies found in my credit report associated with the XXXX account number XXXX and account number XXXX. Despite my efforts to rectify these issues with XXXX and TransUnion, I have encountered significant challenges in addressing these inaccuracies, which I believe constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified four violations related to the XXXX account mentioned above. These violations include inaccuracies in account numbers, account types, dates opened, and dates last reported. 

As a consumer, I am entitled to accurate and fair reporting of my credit information in accordance with the FCRA. The failure of XXXX and TransUnion to address these violations in a timely and appropriate manner undermines my ability to access credit and damages my financial standing. 

Therefore, I demand immediate action to rectify the inaccuracies in my credit report and provide compensation for the violations committed. Pursuant to the FCRA, I am entitled to {$1000.00} in compensation for each violation. Based on the four violations identified, I request compensation totaling {$4000.00}.
Product: Debt collection

I received a notice in the mail from this debt collection company CPA on XX/XX/2012 for {$290.00}, stating the original creditor : XXXX XXXX XXXX - XXXX. It was addressed to me by name, however it lists my SSN XXXX which is not my SSN or my Fathers ( who was linked to my XXXX XXXX Bill ) in 2012 I contacted XXXX XXXX and gave them every piece of information about my account with them and the account numbers CPA listed on the collections notice. They affirmed that I do not have any outstanding account with them and had no files or information linking me to any collections agencies. I have tried reaching out to CPA via phone but I believe they have been shut down by the FTC to some degree. I am filing this complaint based off advice from other people with similar issues with CPA. I do not owe any money to XXXX XXXX. I returned my cable box and payed all balances in 2012. I even returned my friends cable box the same day I returned my cable box and closed my account
Product: Credit reporting or other personal consumer reports

Sales manager was very rude and has aggressive sales tactics. Went in to see what the price range was and got looped into the most Unfavorable shopping experience. They knew their offer was garbage but continued to insist I take it after saying no several times. At some point I believe it was XXXX [ he is also the manage for this location ] ( bigger dude with hand tats and a beard ) started getting aggressive and a condescending tone and stated " You might as well take the offer they are already running your credit '' when I made it known multiple times I didn't want me credit ran as I was just looking at my options. At this point he shrugged and told me he was no longer doing business with me. They are hipocrites the irony is they were just done talking about smack about how customers have came in upset because other dealers have done this same garbage to them. Clearly the company was not willing to work me on resolving the issue. I attempted to ask XXXX ( Sales Man ) why my credit was ran without my consent and was told " I don't know take with XXXX and the finance department ''. After this I left the dealership as I was very upset and this caused me to not be able to get my home I was looking to purchase. 

Date : XX/XX/year> Time : After XXXX XXXX  People : Manager XXXX and Salesman XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX ( review of the experience is posted on XXXX reviews as well )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting that I owe a balance of {$710.00} and I do not. They continue to report on my credit and this information isnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681. 
You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : XXXX XXXX Status : Charge Off Balance : {$1600.00XXXX XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Charge Off Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Charge Off Balance : {$0.00} {$540.00} XXXX XXXX XXXX Status : Charge Off Balance : {$0.00} XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00} According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used TransferWise to transfer XXXX XXXX  to my blocked account in XXXX, which is required for obtaining my XXXX XXXX  visa. The amount was to be deducted from my XXXX XXXX account in XXXX. I chose to use TransferWise because it advertised its service as fast, convenient, and more affordable than its competitors. I needed the money to arrive in my blocked account quickly because my visa appointment was approaching. 

I entered all the necessary information on TransferWise 's portal and authorized the transfer through a built-in XXXX XXXX online banking portal. TransferWise 's portal said the transaction was successful and that the money would arrive by the next day. I didn't receive any notifications when 24 hours had well passed, so I decided to log in on to the TransferWise portal to check the status. I was so dumbfounded that it said my account had been deactivated. No reasons were given on the page. I contacted customer service who instructed me to contact their appeals team because only they were able to handle this. 

Worried about not receiving the transfer on time, I emailed the appeals team with my passport scan, a selfie of me holding my passport, my blocked account details, as well as my university admission letter. Customer service told me specifically to include the first two items involving my ID, as well as other relevant details. 

As I was awaiting the resolution of this, I googled " Transferwise account deactivated '' and found a lot of similar complaints of TransferWise deactivating accounts without notice and reasons, with some people 's money still in their TransferWise accounts. Luckily, my money was still sitting in my bank account when this happened.

I ultimately chose XXXX XXXX to complete my money transfer. I asked TransferWise to cancel my transaction and to delete my personal data. XXXX days later, they replied with an apology and said that my account had been reactivated. They did not explain what led to the " reasonable suspicion '' or why they deactivated accounts without notice. 

I think this way of deactivating accounts without notifying people is very unprofessional and problematic.
Product: Checking or savings account

I XXXX XXXX had my bank account closed and my withheld because of a deposit I made was suspect of fraud. In the month of XXXX of 2023 the bank withheld {$4900.00} of my personal money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
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 XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.
Product: Consumer Loan

Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion. alot of information is invalid an hindering my credit profile. please update the information requested.
Product: Checking or savings account

On XX/XX/XXXX of 2018, I opened a Business Fundamentals Checking account as well as savings at the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX with a business check written in my business name in the amount of {$21000.00} for products to be shipped. I was informed by the bank that the funds would be available on XX/XX/2018. However, upon checking my account earlier this week XX/XX/2018 I discovered I was unable to access my account. I visited the Bank of America to be instructed to call XXXX XXXX XXXX without an explanation other than my account is only able to accept cash deposits. When I called XXXX XXXX XXXX the representative told me the account was closed without cause as stated in their agreement and the check did not clear. My account prior to my inability to access it online showed that the check had cleared and that a debit was made and funds being held which is also confusing. I had no idea my account would be closed because of bad check especially after being assured everything would be okay.
Product: Credit card

While I was working part-time between XX/XX/XXXX and XX/XX/XXXX, I began receiving numerous credit card offers from Capital One. Even though Capital One knew I was struggling financially at the time, they continued to mail offers. Obviously I was unable to pay them at the time ; however, when I began working full-time, I contacted Capital One to settle all of my accounts. I was assured this would not negatively affect my credit reports and scores. I am in the process of trying to get pre-approved for a mortgage and during that process realized Capital One in fact has reported all of these accounts as negative items on my reports. I have attempted to have these items removed by disputing through the credit bureaus with no luck. I find that it is poor practice on Capital One 's part to prey on those who are struggling and introduce them to a cycle of debt. While they are still reporting these items as negative on my credit reports, they continue to mail credit card offers to me. They clearly do not care about the consumer. It is not fair that they are allowed to report negative items on my credit report yet they continue to send me credit card offers multiple times. I ask that Capital One delete all of the negative items with all XXXX credit reporting bureaus ( XXXX, XXXX, and XXXX ).
Product: Mortgage

In XX/XX/XXXX, I complained to my mortgage servicer about not knowing who actually owned my mortgage and about {$5200.00} ( XXXX legal fees XXXX XXXXXXXX inspection fee ) added to my mortgage balance. They finally provided information on who owned my loan, Mr. Copper. When I demanded details about the {$5200.00}, the amount was removed from my monthly statement, but may still added on to my loan balance. Second issue, my mortgage has always been an adjustable. I was informed by Rushmore, I believe in XXXX, the XXXX XXXX  was no longer used. They are using XXXX XXXX and my rate went from 5.125 % to 6 % to 8 %. I've had the mortgage since XXXX, my payments should be getting smaller not bigger. I never agreed to these terms. They bought my mortgage. According to Rushmore, the ceiling for the interest rate is about 12 %. Starting next month my payment increasing by {$30.00}. It never stops with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are still on my credit report .... This is fraud. I did not authorize the inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}