23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am writing in reference to my two accounts from Comenity Bank regarding my BJs credit card account. 

I was sent a new credit card for my BJs reward account in XXXX of this year. I was a little confused as my original card was not expired or expiring. I called to activate the new card and disposed of the old one. At this time, I had a balance on my account of {$2000.00}. When I received my first statement after this, I saw that I had a balance of {$4100.00}. I was confused as I had not charged anything on my card, so I called the company. At this time, I was told that I had a credit of XXXX on my old account number even though I was being charged the same amount on my new account number. I inquired about having the charge reversed so that I would just owe the original {$2000.00} but on my new account number. I was assured that this would take place and I thought I would just have the balance that I owed on my new card. It seemed from these transactions that somehow within your company, people transferred my balance from the original account to the new account, but did it twice. So that is why I had double the amount of money owed even though I never charged this amount. 

However, fast forward to now, and I received another statement but this time with another charge for {$2000.00} ( this being twice I have been charged this amount added to my original balance ). This brought my new balance owed to {$6700.00}!! Again, I only should owe the original {$2000.00} at this point. The only other charge that I made over the last few months was for {$360.00} to XXXX XXXX XXXX. So, the only balance I should have on either account should be {$2400.00}. At this time, I had also been charged interest on this fraudulent amount and was given a late charge, even though I had automatic payments set up with my original account. I never asked for a new account and when I was given a new card, the two cards were not linked in my account. 

At this time, I still have a balance on my card of {$6700.00} even though I only should owe {$2400.00}. The company keeps telling me that " they are investigating the matter '' but during this time, they are charging me interest and late fees on this astronomical amount that I didn't even charge! Something went wrong internally in their company when they were trying to issue me a new card and now they are fraudulently charging me extra balances. I am asking for this to be resolved and for my original balance to be restored.
Product: Checking or savings account

I received a text from supposedly northwest bank. 

NorthwestBank A transfer of {$650.00} was debited from your account. To check status click the link XXXX/Northwest To review or Decline immediately. 

The phone number it came from is XXXX ( XXXX ) XXXX. 

I do not even have a northwest bank account to begin with. This is defiantly someone phishing for information. I did not click the link because I should not have to if I do not even have a northwest account. I will be monitoring my regularly used accounts for suspicious activity.
Product: Vehicle loan or lease

Around XX/XX/2020, I sent Capital Chrysler an insurance check for them to sign and send back. My name was on the check as well as Chrysler Capital. This was for an insurance claim I filed due to an auto accident. The vehicle has been repaired and has been ready for pick up since the end of XXXX. Chrysler Capital requested a final estimate and a W-9. The repair shop and I have sent these documents multiple times and in multiple fashions such as email, fax. Chrysler Capital claims they have not received them. I do not know why they are giving me the runaround. They need to send XXXX XXXX XXXX the check so I can pick my car up.
Product: Credit card

On XX/XX/year> at XXXX XXXX  I deposited {$100.00} cash to my Chime account via barcode at XXXX XXXX located XXXX XXXX XXXX XXXX. I noticed that the cash was available on my card within a few moments of the deposit which was odd because I never had that issue. I called Chime that day and hour after the initial deposit, and they said it could take XXXX hours for the cash deposit to appear in my account. When XXXX hours passed I called them and initiated a dispute to figure out the issue with my card or account. They said within XXXX hours I would be contacted via email with an answer. I wasn't contacted on XX/XX/year> so I called Chime again on XXXX only to find out my dispute was sent to the wrong department and had to be resubmitted to the correct department. I was contacted later that day and told that I they could find no record of my transaction though I provided them with a receipt. They then said I should return to XXXX XXXX because they cant refund me or help me since its not available in the system on their end. I returned to XXXX XXXX and spoke with the store manager who said they cant do anything for me because its on Chime once the money is accepted into the register. They however gave me a printout proving my transaction though. I contacted Chime again submitted a new dispute and gave them a copy of the store record showing that I did indeed deposit cash and its reflected in the appropriate systems of their cash partner. I was told by Chime on XXXX even after submitting this document that they have no record of my transaction and can not help me by refunding my card with the cash I deposited.
Product: Debt collection

XXXX is reporting that I owe {$360.00} but upon this being from XXXX and I ask for original payment information contract with signature and ID for properly identify with ID Number and social security number as well for identifying that Im the one with this debt that being keep on this credit reporting agency that now over 10 yrs with this debt if properly investigated with the reporting agency theyll see I was XXXX  for XXXX  amount of years during this time the Jefferson Capital System is reported and that is now been bought by a debt collector agency that was no original Contract Proper ID information. So Im asking for this original creditor to report with all copys of contract with my signature ID number and SSN to show I owe this debt. If no proper documentation and paperwork from original date of debt please remove from credit reporting agencys from my account Thank You.
Product: Checking or savings account

I have tried to find a way to fix XXXX overdraft fee caused by one transaction with BB & T. But, they insisted this is not banking error. What happened is my checking account has balance of {$190.00} on XXXX. I set up a electronic debit of XXXX on XXXX. BB & T charged me a XXXX dollars overdraft fee because they mentioned my autosdraft of XXXX dollars on XXXX is in pending mode on XXXX and my balance is not enough for XXXX. Then, the pending XXXX dollars finally appeared on my account on XXXX caused another XXXX dollars. So, My XXXX dollars balance does not even have enough for XXXX of XXXX transaction. This is not fair to a general bank consumer like me because : 1. My online bank information on XXXX does not indicate I have less than XXXX with a pending transaction. 
2/ Even though the first overdraft fee is legit due to the pending status, the second overdraft fee does not make sense just because the same transaction goes from pending to posted. 

I am still very positive this is a banking error. But, BB & T does not want to admit this because they simply do n't want to hurt their reputation. Their complain resolving team even tried to convince me about this using their service agreement and it took her XXXX minutes to get the terms for the first overdraft fee. But, she ca n't even find the second overdraft fee is caused by status changed from pending to posted in their term. Here is what I see from my online banking transaction : Date Description Check # Type Amount XXXX XXXX, XXXX Posted Balance : {$91.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC BB & T XXXX CHECK DEPOSIT Credit {$200.00} XXXX XXXX, XXXX Posted Balance : - {$100.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX CARD RECURRING PYMT POS {$43.00} XXXX XXXX, XXXX Posted Balance : - {$28.00} XXXX/XXXX/XXXX OVERDRAFT FEE Debit {$36.00} XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX Debit {$190.00} XXXX XXXX, XXXX XXXX XXXX, XXXX Posted Balance : {$190.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX RECURRING XXXX PAYMENT Debit {$300.00} XXXX/XXXX/XXXX PAYROLL XXXX XXXX IN XXXX XXXX XXXX ACH CREDIT Credit {$500.00}
Product: Mortgage

A loan was taken out with Bank of America in XXXX for a conventional loan. The loan was financed with 5 % down which incurred a monthly private mortgage insurance ( PMI ) fee. This loan was subsequently sold to XXXX XXXX making XXXX XXXX the loan holder. In XXXX, as the property value had increased, and the loan was paid down, an appraisal was made by a lender approved appraisal company, XXXX XXXX, indicating that the current loan to value ratio was at 79 %. Since XXXX XXXX indicates that they would remove PMI when the LTV is less than 80 % the PMI at that point should have been removed. Bank of America which no longer owns the loans should not be allowed to charge a PMI when XXXX XXXX does not charge it. The Homeowner Protection Act indicates that the law was intended to protect against Excessive PMI coverage that provides little extra protection for a lender and does not benefit the borrower. By setting an arbitrary requirement below what the loan holder, XXXX XXXX, is requesting, Bank of America is violating the spirit of the law. Anything in excess of this requirement would be considered Unearned Premium. Bank of America is insuring a product that they do not own, and this is costing the borrower thousands of dollars with no benefit. 

Bank of America also states that a request to remove the PMI can be made when LTV is under 80 %. This becomes a moot statement if the request can be denied even when the assessed LTV is under 80 %. Bank of America should not be allowed to set limits below LTV limits below what is required by law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I requested a refund of all payments on XX/XX/XXXX ( totaling {$16000.00} ) from EdFinancial made towards my student loan during the payment pause initiated in XX/XX/XXXX. The agent I spoke with informed me it would take at least 150 business days to a full year to receive my refund and have my student loan balance reinstated. Other service providers are processing refunds and reinstating loan balances within 4-6 weeks and sometimes within 2 weeks. I need my loan balance reinstated and refund ASAP for forgiveness eligibility. I was also never given any official confirmation from EdFinancial regarding my refund request. I've called multiple times requesting a confirmation letter for my records, but have been told " they don't do that. '' EdFinancial has a history of mistreating its borrowers as they were fined by the Consumer Financial Protection Bureau in XX/XX/XXXX and also breached sensitive borrower data in XX/XX/XXXX. Please hold them accountable and help me get my refund and loan balance reinstated. 

I need my loan balance reinstated and refund as soon as possible for loan forgiveness eligibility. Given the current economic climate it is unacceptable for EdFinancial to take such an extreme amount of time to issue refunds and reinstate loan balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my credit report and I noticed that some inquiries where on my account I didnt know about. 

XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX/XXXX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  Equifax Mortgage XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX ID XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX mail XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  I feel like anything posting inaccurate on my report with no info behind it should be removed immediately as my more financial educated friends say the fair reporting credit act. 

Im trying to better myself & this is really hindering me
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to formally request that all accounts and inquiries listed below be blocked and deleted from my credit report as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These entries are the result of the data breach, and I do not want them to impact my credit history.

Please find below a list of the accounts that should be blocked and deleted : Accounts 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 In compliance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be blocked and permanently removed from my credit file due to the breach. I kindly ask that you update my credit report accordingly and ensure that these compromised accounts are not reflected on my credit history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX there were multiple charges from XXXX {$570.00}, {$570.00}, {$69.00}, {$69.00}, and {$30.00} which led to 3 overdraft fees in the amount of {$170.00} for my account going into negative balance. On XX/XX/XXXX I made claim number XXXX which I received a letter a week later saying, " no fraud committed ''. I have not received a reason for this or a call back. I went to the branch, in person on XX/XX/XXXX and made another claim ( which they said would be expedited and I would get a call back within 48 hours from claims department. Today, XX/XX/XXXX, I still have not been refunded my money and in addition, my cancelled debit card was charged yesterday {$30.00} from XXXX ( and bank is telling me that if charges were approved on XX/XX/XXXX then XXXX can continue to make charges despite my debit card being closed ). I have gone over 3 weeks without over {$2000.00} in charges and fees which is causing extreme financial distress and as of today, bank is just saying they will " refile the claim again ''. This will be the 3rd time and I really need assistance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts have collectively and individually violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.
Product: Debt collection

I received the following letter from a collection company called IQ Data International. I havent heard of the collection company and have serious doubts about the debt in question. Accordingly, I mailed them the attached debt validation letter. I certified the letter on XX/XX/year>. This collection company never responded! Ive attached a copy of my letter which clearly references the FDCPA. Ive also attached a copy of the certified tracking which confirms they received my letter. The law requires them to respond to my debt validation request. Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

I'm a survivor of wholesale fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses being reported on my consumer report. 

There should be only one legal name that should be reported on my consumer report. 

There should only be one phone number being reported on my consumer report.
Product: Checking or savings account

The complaint is against Bank of America. My checking account is with XXXX XXXX  and in XXXX I made out check # XXXX for {$660.00} to XXXX Card and I mailed it to XXXX Card to pay the credit card bill. That check was stolen and Bank of America allowed it to be deposited into an individual 's personal account. 
When I realized this I spoke to XXXX XXXX  and submitted an affidavit dated XX/XX/2023 providing the facts of the case. XXXX XXXX Bank of America who said the investigation would take XXXX to 120 days. On Monday XX/XX/XXXX I called Bank of America and spoke to their Fraud Servicing Department. The representative said she would check on the status but returned a few minutes later and told me they would not talk to me but would only talk to my bank ( XXXX ). On Tuesday I heard from XXXX XXXX  and was told that they had called Bank of America on Friday ( XX/XX/XXXX ) and Bank of America XXXX said the investigation would take another 90 days. 
In XXXX I learned that another credit card payment made in XXXX had been stolen and deposited into someone's personal account in another bank. I prepared a similar affidavit to submit to XXXX and in less than 3 weeks the other bank refunded my money. 
The Post Office, Prosecutors offices, and even AARP are reporting skyrocketing thefts of checks put in the mail. This means that Bank of America may have hundreds or even thousands of cases similar to mine that they are just ignoring and keeping our monies. 
My suspicion of this is of course increased after having read of your investigation and findings of unscrupulous practices by Bank of America in their dealings with their own clients. I am not a client of Bank of America so they may feel free to treat me and others like me with a feeling of immunity.
Product: Debt collection

M & T bank keeps calling my cell number demanding payment on a credit card for which Ive never had. In fact, Ive never ever done business with them. They are extremely rude & aggressive & I have asked them repeatedly to stop calling me & they will not stop. AND, my cell phone number is on a do not call list!
Product: Credit card

I am writing to formally lodge a complaint against Bank of America regarding the abrupt closure of my credit card account and the discriminatory actions taken against me in relation to my valid immigration status. 

On XXXX XXXX, 2024, Bank of America closed my credit card account without any prior notice or justifiable reason. Prior to this, both my credit card and checking accounts were restricted ion XXXX XXXX 2024, preventing me from accessing my funds. I had provided Bank of America with a valid XXXX XXXX legal immigration document, which clearly establishes my legal residence in the United States . Despite this, the bank refused to accept my documentation and continued to deny me access to my accounts. At this point, they only would accept a valid Driver License. My driver license was valid until XXXX XXXX 2024 and I was in the process of renewal. 
My account was restricted before the expiration of my valid driver license. While I was in the process of obtaining a new driver license from the XXXX  XXXX, Bank of America took the drastic step of closing my credit card account without issuing any notice or warning on XXXX XXXX, 2024. The only correspondence I received was a letter dated XXXX XXXX, 2024, which I received on XXXX XXXX, 2024, nearly a month after the expiration of my old driver license and one day after the closure of my credit card account. In this letter Bank of America requested documents for proof of legal residence. I never received any other letters from this institution in XXXX  or XXXX  2024.

This series of actions
by Bank of America has had a severe and detrimental impact on my credit score, which resulted in my inability to secure a favorable mortgage for a house I intended to buy. This situation has caused significant financial distress and further harm to my financial well-being. I strongly believe that I have been discriminated against by Bank of America due to my nationality, despite providing valid and lawful immigration documents. 

The actions taken by Bank of America are not only unjust but also reflect a serious violation of my rights as a consumer. I request that the CFPB investigate this matter promptly and take the necessary actions to address this discriminatory and harmful behavior by Bank of America. 

I look forward to your prompt attention to this serious issue and hope for a resolution that rectifies the harm caused to my financial standing and personal well-being. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 a fraud credit inquiry that I did not do at all I did not nor have I applied for student loan through this company suspected fraud- personal identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ChexSystems XXXX and XXXX 's I file a request to opt-out and add a Security Freeze and they wont do as I ask
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX am to XXXX am funds were withdrawn from my checking account with out my consent and also my funds on the platform were retrieved with out my permission.A total of XXXX dollars were retrieved of my checking account and XXXX dollars retrieved from the platform without my consent the platform alleges that my account was compromised and all I
Product: Checking or savings account

From XXXX to XXXX I was charged fraudulent overdraft fees exceeding well over {$XXXX} when wells Fargo Bank was located on the corner of XXXX XXXX & XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX I mean, personally I don't see how I could continuously be charged fees if my account wasn't being funded, but whenever I did receive funds, they were illegally taken to settle outstanding trumped up fees occurred while I was unemployment at the time