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

PRELIMINARY STATEMENT XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is filing this discrimination complaint against BANK OF AMERICAN. Location at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. On XX/XX/XXXX, Trustee XXXX XXXX XXXX when into Bank of America , location listed in this compliant to and opened a Advantage Safe balance checking account and experienced intentional racial discrimination form Bank of American employees . After XXXX, XXXX, XXXX XXXX XXXX opened Bank of America Advantage Safe balance checking account, he was immediately instructed to close, Advantage Safe balance checking account name XXXX XXXX XXXX account # XXXX XXXX XXXX, by XXXX XXXX  XXXX XXXX. When asked what the reason was, for open and closing Trust account, XXXX XXXX XXXX XXXX, stated I need to come back to the branch and open, a new account the next day. I asked why and his statement was because. On XX/XX/XXXX. Trustee XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX returned to BANK OF AMERICAN . Location at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At XXXX to meet with Notary and have trust XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Trust certification document notarized for XX/XX/XXXX. All documents were inspected by Bank of America N.A employee at same branch located at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Next meeting with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX at XXXX to reopen that same Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which both accounts were opened for Private Irrevocable TRUST are non-Business Trust activity. XXXX XXXX XXXX ( non-Business Trust ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX and XXXX XXXX XXXX ( ( non-Business Trust ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX. After XXXX XXXX XXXX, XXXX funded {$500.00} deposited to both Accounts at local branch Location at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX threating to closed both accounts once again repeating exactly the same behavior as on XX/XX/XXXX. Which is in violation of Section 1981, Expedited Funds Availability Act, and the Parties Deposit Agreement but consistent with Bank of America pattern or practice of discrimination, BANK OF AMERICA threating to close both accounts that were just opened, and When XXXX XXXX XXXX, XXXX inquired about the account closure, Bank of America explained that such closure were necessary because XXXX XXXX XXXX and XXXX XXXX XXXX is stemmed from illegal activity, and that My EIN was a non-profit. In addiction XXXX XXXX XXXX, has maintain a non-Profit Account with BANK OF AMERICA for all most XXXX XXXX XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very unhappyatthe fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. 

I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. 
The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting.
Product: Credit card or prepaid card

XX/XX/2019. At XXXX location I tried to make a purchase. Their payment system was down. I will attached a picture if that. The card that I was told was not used was a Capital One. By beginning of XXXX, 2019, XXXX illegally took fonds from this account, all together about {$630.00}. I immediately closed the account, moved from XXXX to XXXX  XXXX and asked Capital One to reimburse me. I had more than one conversations with XXXX, they have not fulfilled their commitments. I also had multiple conversations with Capital One. On XX/XX/XXXX I have received an email from a worker at XXXX that had access to all of our info. Everything will be attached. After reimbursing the money Capital One stated that something doesnt match. And XXXX, who did not even bother to read all the documents submitted to them, told me that he is the highest in charge and I need to take the issue to XXXX, and there is absolutely nothing he would do for me. after I submitted a super long chat between XXXX and I, where XXXX is lying and presenting false data. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out of reporting from Lexis Nexis through its information suppression program, but this consumer reporting company continues to illegally report inaccurate information. This Opt request was confirmed and successful by Lexis Nexis onXXXX.
Product: Money transfer, virtual currency, or money service

They mislead you to right away service and money. They are keeping my money XXXX now.. Did not warm before. 

It's under the new account XXXX I need my money released now. 
R
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security XXXX : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 


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

I am writing to dispute a hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was unauthorized , an

d I request its removal. Please remove this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online information services has placed a collection account on my credit report without notifying me there is an alleged debt in my name and giving me the opportunity to dispute the debt. I have repeatedly requested validation of this debt and have yet to be provided with such documentation. I have disputed this debt with all three credit reporting agencies as well as contacted the XXXX XXXX XXXX. I am requesting a signed document, something tangible that supports that I, XXXX XXXX entered into a credit contract with this company and or it's affiliates. I have contacted the alleged " original creditor '' XXXX XXXX XXXX XXXX, who states they have no documentation of any outstanding debt with them. I currently have gas service in my name and XXXX XXXX  states that if I had a past due account it would have been synced with my current account and would have been paid. This collection agency has no supporting evidence that I've ever lived at the address this alleged service was provided. This debt was purchased without validating that it was authenticate and then placed it on my credit without attempting to contact me. This has adversely affected my credit rating. I have discussed this matter at length with this collection agency and as of todays date they refuse to remove it from my credit report. I have never received a notice of collection, an intent to place it on my credit report and or any other notice of this debt prior to seeing it on my credit report with a random check.
Product: Credit card or prepaid card

I opened and transferred a balance to PNC bank in XXXX XXXX it promised to be a zero percent for 15 months. 
I received a statement in the mail and discovered they had been charging me interest for the previous 3 months, XXXX, XXXX and XXXX. 
I contacted them XX/XX/XXXX and spoke to XXXX not only have they not sent me the requested copy of the agreement stating I would be charged interest they would not give the name of or transfer me to a supervisor! 
Their solution was to wait until the following month and see if I was still being charged and that is today, and the statement shows charged interest still being accrued in a zero percent card! 
They are now calling it fee, not listed as interest but in the detail portion it is listed as interest. 
This is deceptive and I suspect illegal. I read on PNC T & C you only have 60 days to make them aware of error and I sincerely believe this is why they dont acknowledge the complaint so the clock runs out.
Product: Mortgage

My loan was transferred from XXXX XXXX  to Mr. Cooper. I had issues with the amount taken that was greater than I was paying. The company has the worst customer service, I am not able to speak to a live person, machines are answering calls and not forwarding the call to a real person. I've tried multiple times.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2022 I borrowed money as a title loan from TitleMax in XXXX XXXX TX, the amount was {$1500.00}. In between the time I made the mistake of borrowing more money for the second time and now the amount is {$3500.00}. The monthly payment of {$250.00} went up to {$560.00}. I talked to the representative at the store of TitleMax about how every time I make a payment the amount loan never goes down. The answer I got was that I will never going to finish paying the title loan. As of XXXX of this year I became an XXXX XXXX XXXX  employee and I feel that they are just taking my money and I can do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) there are four accounts that are closed & older than 7 years old & legally should be removed from my credit reports ( 2 ) there is one account holder who report negative items three times two show no balance & as paid why aren't they removed if the reflect no outstanding balance ( 3 ) the company isn't allowing me to dispute any of this saying I already filed a dispute. That dispute was filed one to two years ago & they still didn't fix it then. I called they assured me the items would go away but they didn't.

( 4 ) isn't allowing me to update my personal info w/o calling. & calling is a forever hold type of thing.
Product: Checking or savings account

We are banking with Prosperity Bank in Texas. They have continually closed our card or flagged it as fraud for using it in the XXXX. We are currently in XXXX and they have started doing this here. Before leaving to XXXX I worked with the bank to confirm that we were going to be in XXXX and had them add a note. 

Most recently they did this last week around XX/XX/XXXX. We made a purchase and the online banking site was restricted to us. We could still use the debit card, but we could not access the our account online. We called support and they said that they could not do anything and that we would have to call the branch we work with, since a specific person there was the one that suspended our account and only they could undo it. 

We contacted the branch and they continually said that person was not there or had left for the day. We eventually got in touch with the manager and she was able to work with someone, pretty quick, to unlock the account. It was not horrible because at least we could still use our debit card at ATM 's to make withdraws. They re-added the note saying that we would be making purchases in XXXX. 

XX/XX/2021 We found that we were locked out of the account again. We called the bank and the Teller told us that they could not do anything about it because of a note on the account to contact the manager. We contacted the manager, but kept getting a message that she was not available and to leave a message. We called the bank again and they said that they could call us back and that the manager would call us back, but neither ever did. 

XX/XX/2021 We called the manager in the morning and received the same message, she was not available. We called the branch and they said that they could not do anything and could not disclose anything about the account, except for some messages that list possible fraud. The person at the bank said that he was communicating with the manager and said that they are working on the issue, but the issue goes higher up than herself. They said that they would notify us when the issue was resolved. 

We were not able to get any answers and the issue was not resolved. Our money is being held by the bank and they will not release it to us or allow us to access our money. We are currently in XXXX, with about {$25.00} on us. We are online teachers that get paid through XXXX and that money is also not being allowed to our account. At the moment we are stuck without money or answer and XXXX year old XXXX  child. We are needing access to our account and are not being given any answers. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing this Fifth Third account since XX/XX/2023. I recently received a letter on XX/XX/2023 from Fifth Third stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my XXXX report.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.
Product: Prepaid card

On XX/XX/2024 XXXX issued four purchase return refunds to my debit card. Direct Express has only credited two out of the four refunds stating that XXXX must do a " forced post credit ''. Direct Express refused to further assist me with the matter stating that it is my responsibility to contact XXXX and request the forced post credit in order for the money to be credited to my account. XXXX provided me with the two missing refund transaction ID number stating that they had refunded my account and that it's the banks problem once they refunded the money.

DIRECT EXPRESS NEEDS TO REFUND THE FOLLOWING REFUNDS TO MY ACCOUNT : Transaction ID XXXX {$27.00} Transaction ID XXXX {$28.00}
Product: Debt collection

A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by Defi-ai.org, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Name : XXXX XXXX XXXX
Product: Debt collection

After given several cease and desist notices still sending several written communications. Even attempting to have XXXX XXXX XXXX harass consumer. Refusing to comply with consumers request to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Ford XXXX for several years ( XXXX ). I paid this loan off in XXXX. I recently pulled my credit and realized that Ford is reporting several XXXX and 90 day late payments when this is not the case. I had one incident in XXXX when I had restructured my loan as I knew there was a job loss and was approved for this. I was told the car payment would not be reported late during this time. I contacted ford and received a print out of all payments including days late etc. This print-off shows XXXX payments with 30 day late payments. I inquired with Ford multiple times to fix this and was directed to go through a credit dispute process. I have disputed this and Ford will not correct. I have been stuck in a circle with no resolution and a suffering credit report that is preventing me from getting fair rates in general, but most importantly, a home loan. The mortgage rates have now raised while I deal with this issue and, as a result, we will experience a MUCH higher mortgage payment. This has impacted me in several ways and I'm very frustrated that Ford will not do accurate reporting and has tasked the consumer with fighting this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc ). Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent md address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After Academy failed to help resolve this issue, I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report dated XX/XX/2017 from CBNA. I don't know who this is or why it is on my report.