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

I am having trouble with a check that Bank of America deposited from my checking account, though the check was never deposited or even signed. 

On XXXX XXXX, XXXX Bank of America issued a check for {$950.00} through automatic bill pay ( rent payment to my landlord ) I have paid rent through the automatic bill pay for over a year. On XXXX XXXX, XXXX the check was shown through my bank as delivered and cashed on that day. 

On XXXX XXXX, I was informed by the recipient that they had not received the check. On XXXX XXXX, I called the bank and started an investigation. On XXXX XXXX, the recipient found the missing check ( lost in their paperwork ) which was unsigned and they affirmed that they did not deposit it. On XXXX XXXX, the recipient returned the unsigned check to me and I called Bank of America to updated them on the situation. They said that they will need to investigate more. 

On XXXX XXXX, I called Bank of America for an update on the investigation. They told the have no new information and are just starting the investigation. They told me that it will take 60-90 business days ( until XXXX ) to clear the issue on their end. 

While I appreciate that they are careful with the investigation, I feel that clearly the bank made an error and should return the funds immediately. Especially considering that I am in possession of the unsigned check. The fact that it will take 3 months to resolve is unacceptable.
Product: Money transfer, virtual currency, or money service

Email supposedly from Paypal stating a request for funds. Person with Eastern XXXX accent tried to get me to download software. XXXX XXXX said many are reporting a similar email scam to get personal information. The number to call in the scam is XXXX and XXXX XXXX. 

email was XXXX XXXX
Product: Debt collection

A caller calls me as much as 15 times per day, and demands I give my credit card information as soon as I answer the phone. When I ask what it is in regards to, they refuse to tell me unless I agree to give my SSN, DOB, and other personal identifying information. I tell them I refuse to give them the information unless the first tell me what this is about, when they then proceed to call me XXXX, one of the women who called told me she would tell XXXX to take my child away from me, which she should not know I have a child, this is not pertinent information for a debt collector, and several other nasty things to me that I did not hear because I was actively hanging up and blocking the phone number. They will call 5 times per hour, all from numbers that are one digit off from ones I have previously blocked.
Product: Bank account or service

I had made online purchases via my bank account. When XX/XX/2015 came I check my account to see what cleared and what did not, everything was shown as payed nothing was shown as pending and there was {$1.00} left in the account. On XX/XX/2015 the account once again was looked at there was now {$70.00} in the account with all the same transactions showing as paid its was there was another purchase made that left the account at {$34.00} but on XX/XX/2015 still showing all as paid. Then on XX/XX/2015 my account had to {$34.00} over draft fees and said a previous XXXX purchase of {$68.00} was not paid even though on XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX it never said this was still pending it showed as paid I even counted the money up myself and it showed everything as paid. When I call chase on XXXX XXXX they tried to say the merchant never took the money out the account until the XX/XX/2015 but this was not reflected in my account that day or any day befor that. They refused to reverse and take responsibility for the failure to show items as pending. I as to speak with a supervisor or someone over the supervisor I was speaking to and told that some one would call in XXXX hr. As of XX/XX/2015 no one had called and I called chase at XXXX where the female representative did not give her name but sad chase does not have to inform me of transactions that are pending still refusing to correct there mistake
Product: Debt collection

AFNI Inc, they did not send any written communication to inform me of this debt before they added it over and over again to my credit report. I have never done business with this company and was unaware of any debt I have or had with this office. 

I request legal proof of this debt and for AFNI to cease reporting the same debt over and over again to the credit bureau. 

I have a government issued Identity protection that alerted me on XXXX/XXXX/XXXX that Afni, Inc added XXXX to my XXXX report. I also received an alert today XXXX/XXXX/XXXX that it was again reported to XXXX. 

I have another credit monitoring company through XXXX that alerted me that this debt was reported to XXXX also on XXXX/XXXX/XXXX still without proof of debt owed. 

Lastly, there is another creditor named XXXX XXXX that is reporting the exact same debt ( just a dollar off ). AFNI, inc has also re-aged this debt to look like a new debt everytime they report it. My credit score is taking major hits from these fraudulent recovery activities. I will be in touch with OPM credit monitoring as well as XXXX to report this fraud if they do not cease and desist their efforts to ruin my credit. 
I have also contacted a lawyer who is willing to take my case due to the proof I have for fraud. This is my last attempt to get them to stop or else!
Product: Mortgage

Was on forbearance die to lose of job caused by XXXX. Was informed that the missed payments would go to the back of the loan when the forbearance ended. Instead I was requested to pay all missed payments at once in XXXX of 2023. In XXXX of 2023 I attempted to make a payment XXXX times but the app and website had my account unable to accept payments. 

They offered to do a modification that was increasing my payment from XXXX to over XXXX. I refused and they began foreclosure proceedings.
Product: Checking or savings account

I have not been able to access my account. 
My account has been blocked from the day it was opened and I didn't know this. 
on XX/XX/2018, I called customer service and no one was able to tell me why my account was blocked. they said they'd get back to me but never did. 
on Tuesday, I went to the XXXX branch and the manager called customer service but they were not able to tell him why the account was blocked. 
On Thursday XX/XX/2018 the lady who spoke to me was very rude and she hung up on me when she couldn't tell me why my account was blocked. Her name is XXXX XXXX. 
I called back and the second lady couldn't tell me why my account was blocked either, she only said she would connect me to the branch manager,  XXXX XXXX, who happened to be very unprofessional. 
My account was blocked for no reason at all, apparently someone from the branch blocked my account, I think it was the branch manager for no reason. She is very XXXX and spiteful. 
This has been very inconveniencing for me. I can not use my money. I am livid and Citibank is known for this. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

inquiries shared my credit info without my consent FORD XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, while filing my taxes, I learned I had over contributed to my HSA held with Optum Financial. That same day, I submitted a form requesting that they remove the excess contribution from my account. It is now XX/XX/2023 ( Tax Day ), and they still have not removed the excess contribution. I have contacted Optum Financial five times in the interim to check on the status of the request. For weeks they told me they had the form and were still processing it. Then, on XX/XX/XXXX, they told me they never received the form. I was traveling at that time and didn't have the ability to re-submit the form. On XX/XX/XXXX, I called and requested assistance with this issue. I was told I would get a call back the same day as this was an urgent issue. I never got a callback and they still have not removed the excess contribution. Now, I will have to re-file my taxes and pay the 6 % extra tax on the contribution because they have refused to manage my account in the way I've requested.
Product: Credit reporting or other personal consumer reports

I sent into XXXX, XXXX and transition letters for accounts on my report for debt validation. Per 15 USC 1692 C I have not received a response in over 30 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status and negative worst delinquency of 120 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i sent trasnunion a dispute in regards to some accounts that i felt were not mine. Till this day they have not processed my request that was mailed to them certified mail.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to report this one fraudulent account on my credit report and refuses to report the other 6 accounts that do belong to me ... ... they are not giving me a score because of that ... .and I have repeatedly tried to get this corrected with no progress. 

Capital One does not belong to me!! Acct # XXXX I have 6 other accounts that are not reporting and definitely should be : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CREDIT XXXX
Product: Credit card or prepaid card

Company has given me multiple versions of when my account may or may not be unfroze. I sent in all the appropriate documents the company requested and was told wait one hour call back that was a lie so next person said wait 24 hrs and call back another run around  and lie. So since XX/XX/XXXX my account has been frozen with my only means to live along with it and all I've been told is a different version of nothing since that day and it takes five days to get a fax according to reliacard, but just two days ago I called again and finally the fax was received with my new message being that they will be looked out in 24 to 48 hrs well today I called with a man saying don't get stressed it's no big deal well sir I'm about to be homeless, and I keep being told ten to 15 days but seems like when that time comes it's well five days for this five for this or we don't do anything but read the screen and then get told they reserve the right to not renew my card and when I ask on what grounds they say idk I'm not in the investigation dept. I just want to pay my bills and not be told when I ask if no new card is given what happens to my money and they answer idk I don't work in the investigation dept. Then what can't I talk to that dept. I have done all I can do to prove who I am and do all I can do for a reason that is still unclear to me. So do I keep filing my weekly claims and take the chance of not getting it ever or do I borrow money to open a bank account and at least gety checks sent direct deposit. Bad enough it cost me XXXX bucks I didn't have to send the fax to the prepaid card. Who are these people. I've seen a lot of this with this card. Please help.
Product: Checking or savings account

I have a bank of America checking account and {$200.00} was illegally charged on my debit account from a company ( XXXX ) I have never heard of or used any XXXX services before. The said company is XXXX  ( internet provider? ) I already have an internet provider and have never been in touch with XXXX or tried to get an account with them. I'm currently working with Bank of America to get my money back, but wanted to bring this deceitful company to the attention of the Consumer Financial Protection Bureau... I suspect I'm not the only person being taken advantage of by XXXX XXXX questionable and illegal business practices. 

I tried with no luck to resolve this dispute directly with XXXX via tel, but their phone number is automated and no one can help me without an " account number ''. Please find the " merchant 's info below '' as shared with me by Bank of America. 

Merchant name XXXX  XXXX  info XXXX XXXX XXXX XXXX XXXX NM, XXXX XXXX XXXX XXXX XXXX tel : ( XXXX ) XXXX
Product: Checking or savings account

Capital One is experiencing a widespread outage impacting direct deposits that started Wednesday XX/XX/XXXX and still occurring Friday XX/XX/XXXX. The issue is worrisome as thousands, if not millions, do not have access to their funds.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries with XXXX and Experian To whom it may concern, I am submitting a complaint regarding three unauthorized credit inquiries on my credit report. Despite disputing these inquiries directly with the credit bureaus and the entities involved, they have not been removed. 

Below are the details of the inquiries : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Experian : XXXX. XXXX XX/XX/XXXX I did not authorize these companies to access my credit report, and under the Fair Credit Reporting Act ( FCRA ), these inquiries lack a permissible purpose. Therefore, I request that they be removed. 

To further support my case, I have recently filed a report with the Federal Trade Commission ( FTC ), reference number ( XXXX ), which is attached for your review. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the FCRA, and assist in having these inquiries removed from my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain a higher credit score.
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$590.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$27000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9500.00}
Product: Credit card

I reached out to my credit card company, Citibank, for an issue in regards to a service I received. The issue was around dental service, the service was done inefficiently. I have documentation to support I had to get the tooth retreated because of the improper treatment of the tooth. I contacted the bank to show I had to have the surgery to retreat the tooth and highlighted the issues. They informed me since it was 60 days after the issue I could not do anything. I think this is unjust, because this is a dental issue, 60 days is not efficient for this sort of issue. If this was a product, but a dental issue is a different thing. This is an issue, I am sure numerous people have issues similar, Citibank needs to better in addressing these issues.
Product: Credit reporting

I recently viewed my latest Transunion Credit Report and the following disputed inquiries have been properly investigated and removed from my XXXX Credit Report. Transunion refuses to remove the same inquiries from my Transunion Credit Report. How is it that XXXX conducted their investigation which resulted in the removal of the inquiries and Transunion investigation found the inquiries to be legitimate. This brings into question Transunion Ethical Standards and trustworthiness when it comes to complying with the FCRA ... .. THE FOLLOWING INQUIRIES WERE REMOVED FROM XXXX ( CONFIRMATION # XXXX ) BUT STILL REFLECTING ON MY TRANSUNION CREDIT REPORT. : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that Transunion to update my current phone # which is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I've tried numerous attempts with Equifax to update my address and name on file, but to no avail my attempts have not been handled. I sent out a certified letter including my driver license with my one and only current address, a copy of my social security card, and finally my latest utility bill. I'm requesting for the 3rd time this be updated per my correspondence that I have sent them. Please review the enclosed attachments. Please and Thank you. Take care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My husband and I requested our credit reports and to have our credit blocked due to the XXXX breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for XXXX and Experian so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on XX/XX/XXXX but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notification of Identity Theft and Request for Assistance Dear Sir/Madam, I am writing to formally notify you that I, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have been a victim of identity theft for the past five years, from approximately XXXX to XXXX. During this time, unauthorized individuals have fraudulently opened accounts and conducted financial activities under my name without my consent. 

As a result, my credit report has been negatively impacted, and I am requesting your assistance in rectifying this situation. I am confident that the accounts in question were not initiated or authorized by me, and I am prepared to provide any necessary documentation to support my claim.

I kindly request the following : 1. Investigate the fraudulent accounts and transactions on my credit report.

2. Ensure that all unauthorized accounts are removed and flagged as identity theft.

3. Assist in restoring my credit to reflect only legitimate financial activity.

Please let me know if you require additional details or supporting documents to expedite this process. I appreciate your prompt attention to this matter and look forward to your guidance in resolving this issue. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX