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

I have contact Bank of America several times to remove this fraudulent account on my credit profile ( XXXX ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within Bank of America. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. Bank of America continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that Bank of America removes this information from the credit agencies immediately. The account that is being requested to be removed is : BANK OF AMERICA Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off.
Product: Credit card or prepaid card

I made a payment online on XXXX/XXXX/XXXX. However, I was erroneously charged a {$27.00} late fee on XXXX/XXXX/XXXX by Comenity Bank, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.
Product: Checking or savings account

I AM WRITING TO FILE A COMPLAINT AGAINST NAVY FEDERAL CREDIT UNION REGUARDING MULTIPLE OVERDRAFT FEES I HAVE INCURRED. DESPITE HAVING SUFFICIENT FUNDS WHEN TRANSACTIONS WERE AUTHORIZE I WAS CHARGED FEEDS DUE TO LAGGED POSTING OF CHARGES AND CREDITS. THIS ISSUE ALIGNS WITH THE RECENT CFPB FINDINGS AGAINST NAVY FEDERAL FOR SIMILAR PRACTICES WHERE TRANSACTIONS SETTLED WITH INSUFFICIENT BALANCES DESPITE INIATLLY AVAILABLE FUNDS I BELEIVE THESE PRACTICES ARE UNFAIR AND REQUEST AN INVESTIGATION INTO MY ACCOUT TRANSACTION
Product: Debt collection

Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AS IN XXXX XXXX, XXXX XXXX, AND XXXX XXXX.I have proof that it has been removed and have proof of showing as a new collection. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Equifax is in error regarding their completed Investigation ( Confirmation # XXXX ) of a dispute I initiated regarding my personal Credit Report file. This dispute centers on the CRA 's ( Equifax 's ) right to report a Hard inquiry on my Credit Report file without providing to me the actual proof of proper verification requested. Absent actual proof of proper verification, as requested, the Hard inquiry would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiry MUST BE DELETED from my Credit Report file. ( TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified '' - - Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) September 2012 609. Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. )
Product: Checking or savings account

On XX/XX/2022 at around XXXX XXXX I tried about XXXX TIMES to access my accounts with a CORRECT username and password and I kept getting errors. Messages received are " We are making improvements to the site... .etc etc etc ''. 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!
Product: Student loan

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. 
Reliamax Insurance/Launchservic XXXX XXXX XXXX XXXX XXXX, SD XXXX. XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

It was a XXXX credit that was sold to portfolio recovery in 2019. I have been get harassing phone call everyday since they buy it from XXXX credit. Call everyday even twice a day or more while at work. Now call me under different numbers, I want them proof it was my debit. Because XXXX credit or even XXXX get hacked. But I try to settle the the debt for less. They refuse it 3 times in one day. I said they use their harassing phone call be a XXXX dollar a day, of course they did not hear that. The debt is XXXX dollars.
Product: Mortgage

BancorpSouth Mortgage Is Breaking Federal Rules My payments have not been credited correctly in a timelymanorand I have not receivedmy last statement. Even though I alwayspay waymore than enough, It always shows that my account is overdue. 

Someone called me and said they would freeze my mortgage account if I kept paying partial payments, ( even though I pay more than half due twice per month and I always have more than enough to cover my mortagage payment on the date due ). Example : {$900.00} mortgage bill, I would pay {$500.00} the month before it was due on the 1st, then pay {$500.00} the month before on the XXXX. Totaling to {$1000.00}, 15 days before my bill is acutally due ( {$100.00} over what I owe ) I told her I need to know more information because I am paying way more than what I owe and that I've never had a late payment. I explained that she needs to outline in my contract where it says I can not pay this way and she said that the contract does not specify that but if i continue to make payments like this, that i will acquire late fees and blows to my credit score that will not be reversable.

She also said she would send a letter to me and have her manager call me. I have received neither of those and then they froze my account.

I called again and the manager told me she would unfreeze my account as long as I make payments in full then send in another payment for any extra that I want to pay. I agreed even though they are breaking federal rules.
Product: Bank account or service

I received an email about a CD maturity on XXXX/XXXX/15. I moved out of state. I called on XXXX/XXXX/15 to put in an order to redeem the CD. The rep said he would note the account and it would auto-redeem. I called on XXXX/XXXX/15 to confirm. Rep said no, there are no notes on account and it will not auto redeem. Because I do not have a checking account I need to call back in 15 minutes to talk to CD department. I called back - that rep said no, I need to call back in 45 minutes to talk to the branch. I asked for a supervisor. He told me I needed to make my XXXX call about this CD and call the branch. I asked for his supervisor. He said he could have a department call me back within 3 days. I asked to speak to his supervisor again or XXXX XXXX 's office ... he put me on hold ( for an eternity ) and came back on the line to inform me that someone could call me back today. I am XXXX phone calls into a simple CD redemption and still do not have confirmation the CD will be redeemed.
Product: Credit card

On XXXX XXXX, there were 2 unauthorized fraud transactions on my BOA credit card ( {$1300.00} each, {$2600.00} in total ) that took place in the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX. I submitted the fraud claim right away. And I found that my card was lost, so I called them to include that information in my claim as well. Unfortunately, the claim was closed on XXXX XXXX, saying that the Bank of America was unable to pay me because they confirmed the card was used for the charges ( which is funny because my card was lost, so of course someone else used it ). I called again to reopen the claim on XXXX XXXX and it was closed again today, XXXX XXXX. I've attached the 2 response letters from BOA below. 
I am a XXXX XXXX who lives frugally, and this {$2600.00} is my living expenses for 2 months. And I maintained a perfect credit history. I believe BOA didn't research the case thoroughly because they closed the claims so quickly, both within 1 day. I contacted the XXXX XXXX, and they said there's no signature on those orders. I really feel that BOA doesn't care about their customers. 
Thank you so much for your consideration on this case. Please let me know if there's anything needed from my side.
Product: Credit card or prepaid card

After getting approved by XXXX XXXX with a TD Bank joint venture, I have not been able to utilize the credit they gave me after running a hard inquiry anymore. I keep getting an error that my account information is incorrect when it is the finance account is connected to my login and is working. I was able to use the credit twice before but am now not able to utilize it. I have an available balance of over {$1200.00} and the purchase price I am trying to make is below {$1000.00}. I have tried, multiple times, to contact XXXX XXXX with 4 different phone numbers and am never able to get through to a single representative. I have been on hold for more than 30 minutes and sometimes over an hour with no resolve. Their online chat is very rude and hostile with no remedies. The first two purchases were made on XX/XX/2020, and XX/XX/2020. I have made my monthly payments since then. I am completely frustrated with their customer service and feel as though they are practicing fraud by targeting individuals to apply for a finance program that once approved, you can not use.
Product: Debt collection

Reporting inaccurate information to all credit reporting companies. Never made contact by mail nor a phone call which is in Violation of the FCRA, Violation of the FDCPA ; and Defamation of Character. Original account holder XXXX XXXX, amount {$1000.00} open date XX/XX/2019.
Product: Debt collection

Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.
Product: Debt collection

Company reported inaccurate information to my credit report I dont owe any debt. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 15 USC 1692 ( c ) c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Checking or savings account

I have been banking with Chase Bank for the past XXXX months and really enjoyed the experience and all they have to offer. Two days ago they made the decision to close my bank accounts and freeze my funds. 

On XX/XX/year> I received a requested for a wire reversal to a client who had recently made multiple purchases from my company. I responded to the bank with a detailed letter explaining why I would deny the reversal of funds. Essentially stating the client paid for items and received all items in full. The bank said they would investigate the matter and get back to me. 

In my letter I detailed how the client had made a few purchases of products and paid through wire transfer. After the funds were received by my company the client came into our business and received the items he ordered in full. When I received the request for wire reversal I called my client to see why the request was placed. He told me that his bank issued the request not him. As well as explaining to me that after he purchased the items from my business he then handed the products over the another individual for safekeeping. It turns out the other individual had no intention of storing the items for him and stole the items to keep for himself. He was scammed by an individual not associated with my company. Obviously we can not be held liable for a client poor decision making after our business has been completed. 

On XX/XX/year> I received a text message saying I needed to provide account information to keep my accounts active. When I called I was notified that my accounts were being closed and there was nothing to be done about it. When I asked about access to my funds I was told there is no timeline for them to send me a certified check in the mail. I have received XXXX communication from the bank in this matter since I called to find out they have decided to close the accounts. 

This experience has been financially and emotionally draining. We can not operate without our funds. We have continued to lose business each day we do not have access to them. We need this issue escalated and resolved immediately. We have done nothing wrong in this entire situation and we are being punished for it. Not only losing access to our bank accounts, but now losing business everyday our funds are frozen.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX and had a XXXX XXXX card that was on my credit through them and then a third party collection agency called TSI. The balance for the XXXX XXXX account was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the XXXX  card that it was never paid and it was paid XXXX XX/XX/2024. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.
Product: Debt collection

I have been receiving multiple calls and voicemails from TrueAccord Corp. After the first round, I returned their call and spoke to a company representative. I was told then that I didn't have an account and that the calls had been in error. 
The calls ceased but they called me again today, XX/XX/2021, and left another voicemail saying I had a debt in collection, which I don't. 
So now I'm filing a complaint with CFPB and I will also be filing a complaint with my complete worthless state Attorney General in Arkansas.
Product: Money transfer, virtual currency, or money service

I initiated an instant transfer of {$250.00} ( less {$4.00} instant transfer fee ) from my Venmo account into my checking account with XXXX XXXX. Venmo charged me a fee to transfer instantly but the money never appeared in my checking account. I was told sometimes it takes my bank some time to show it in my account, wait 24 hours. Still nothing and no response from Venmo. I called my bank and had them look into the confirmation number provided by Venmo. They had no record of the transfer. I contacted Venmo again. They tell me they will escalate it so I should hear back within 6-7business days. When I finally received an email from their Specialist ( XXXX XXXX ) Global Exceptions Operations, he/she gave me a trace ID number and to go to my bank so they can find it ( essentially blaming them for losing it ). I again called bank and again was told that they have no record of the transfer. I contact Venmo again and tell them this and now they tell me to send them a screenshot of my bank account. I do this and now Im told that they put in for a recall from their bank and they will let me know in 30 days. This cant be legal. They should be held responsible. Ive read numerous complaints about the same thing happening to others. Please do something to mandate this company be held accountable for losing peoples money
Product: Credit card

Ensuring punctuality in my payments on this account has always been a priority, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me, and I seek clarity on this matter. According to 15 USC 1666b - Billing Error, rectifications should be undertaken.
Product: Checking or savings account

I initiated a wire transfer around XXXX  on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.
Product: Credit card or prepaid card

I had two Bank of America credit cards. I stopped using the cards more than two years ago because in my opinion Bank of America has the biggest liars in XXXX XXXX that I have ever dealt with. I called Bank of America on XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX and spoke with a BofA customer representative by the name of XXXX. I asked XXXX why my credit card interest rate had increased from approximately 15.99 % to 20.24 % in a year. XXXX said that the rates were in line with credit card rates, paraphasing, and this is the reason for the jump in interest rates. This is the only credit card that I have that had such a high jump in interest rates. I stopped using Bank of America credit cards for over two years ago and was paying them off monthly with more than the minimum payment each month with only one late payment because I lost the coupon sent. This is the only credit card that I have had that has such an unusual high jump in interest rates and I have had credit cards from BofA before and paid it off monthly the same as this one. The reason why I stopped using BofA credit cards is because of the liars XXXX XXXX, Chair of the Board and CEO sent to me when I requested a mortgage refinance when Countrywide was given to BofA according to reports and he sent nothing but liars to, so call work with me, and they did nothing but lie and I still have the documents to prove it. The credit card ends in XXXX with the latest high interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR MONETARY RELIEF Transunion has violated my rights ; 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed below. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of { {$1000.00} } per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681 Name : XXXX XXXX Account Number : XXXX Name : XXXX  Account Number : XXXX Name : XXXX XXXX  Account Number : XXXX Name : XXXX XXXX XXXX  Account Number : XXXX