23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Claim ID : XXXX XXXX XXXX XXXX, account close. 
Is there a refund confirmation number available? If so, what is it? Account XXXX They first time so nice, but they know me to dispute it, they dont answer They say refunded to the deposit source if applicable, I dont get it, my debit card is updated, the number not much, right now they dont do anything, they just lied to me, no more help, I send them email, they dont respond, Proof of promised refund such as credit voucher or refund acknowledgement. I have pictures, and my account has been locked, and the how much money, and they say gave me the funds to deposit source if applicable
Product: Debt collection

XXXX XXXX XXXX had account of mines from XXXX XXXX XXXX, however this account was sent back to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating they now have the same XXXX XXXX XXXX account in their office. I contacted XXXX XXXX XXXX to inquiry about the account, they informed me the account is not in their office and the account has been deleted from the credit bureaus. I have verified with the credit bureaus the XXXX XXXX XXXX remain on my credit file.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove XXXX XXXX account ( XXXX ) # XXXX and the other account XXXX XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX, we turned in the XXXX XXXX leased from XXXX dealership in XXXX. Lease # XXXX through US BANK.The dealership did not ground the car and we get a bill for in XXXX for {$72000.00}. We went back to the dealership and they cut us a check {$720.00} what was owed to us bank.than we get another bill for wear and tear and extra mileage and extra rent that was due.for {$360.00}. Total bill {$1900.00}. We paid the {$360.00} to end of lease payment. I wrote US Bank on XX/XX/XXXX asking for a breakdown of where this extra rent payment of {$36000.00} came from and a wear tear statement when turned the car in back in XXXX, We have not had this XXXX since XXXX and have since got another XXXX back in XXXX. Received no breakdown from us bank, just another demand notice aski g for now {$1500.00}.
Product: Debt collection

I filed a dispute with XXXX about an account from XXXX XXXX XXXX that got sent to collections. XXXX XXXX XXXX was the collection agency. The dispute was filed on XX/XX/2022 the file number is XXXX. I paid the collection agency on XX/XX/2022 and a representative said they were going to report to the credit agency on Friday XX/XX/2022 and they didnt so I filed a dispute. XXXX said that I didnt pay the collections agency so they were keeping it as the debt was never paid, I have proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXXXXXX Has reported false information under my report. Account has been paid in full and I was never ever late.
Product: Checking or savings account

I had a payment to XXXX for {$210.00} on XX/XX/XXXX. My Checking account balance was around {$160.00}. I also had {$50.00} in my savings account. I already had overdraft protection on. I know for a fact that since I didn't have enough money in my checking account to pay it that my savings would cover the difference. And it went through because I saw that the payment was successful and I had a checking balance of ( around ) - {$6.00} and a savings balance of {$1.00} ( I transferred the {$1.00} to my checking as well ). That same day I checked my balance and went to a chase bank to deposit {$5.00} so that I wouldn't have to pay the insufficient funds fee ( Its for a balance of less than - {$5.00} not {$0.00} ). I woke up this morning ( XX/XX/XXXX ) to {$48.00} in my savings, a {$34.00} insufficient funds fee, and - {$85.00} in my checking account. I called Chase, and the lady said that she would try to process the waiving of the fee but no guarantees ( did not process ). She said it was out of her hands and I asked to speak to someone who did have the responsibility/position to help me. she said that she couldn't. This is the second time that I've had to file a complaint against Chase. I had to wait 6 months just for Chase to credit me for shoes that I returned to XXXX.If I have to file again, I'll want more than an apology.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.
Product: Mortgage

XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.
Product: Debt collection

XXXX XXXX XXXX is reporting information on my profile and its violating my rights 12 CFR 1006.34 ( d ), and 15 USC 1681- s2 ( 7 ) ( a ).

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), it is mandated that financial institutions must promptly remove inaccurate incomplete fraudulent account ifrom consumer reports.
Product: Checking or savings account

On XX/XX/2020 I deposited {$2000.00} into my chase checking account and another {$2000.00} into my chase savings account and on XX/XX/XXXX they closed my account and have yet to give me my money and when I call nobody knows anything and they transfer me around and keep me on hold for hours
Product: Money transfer, virtual currency, or money service

I am sigue agent branch XXXX and I made two extra deposits to my agent money transfer account on XX/XX/24 for the amounts {$1000.00} and {$12000.00} which come to {$13000.00}. I will need a refund check for that amount sent to my business. I am also owed commission for the past three months that I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report it shows comenitybank/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.
Product: Checking or savings account

XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I cashed three checks and sent them to a person that was running a scam on me but i did not know that at the time. I was told by XXXX XXXX XXXX to cash these checks for his sick mother and send them to the nurse since his account was a business account he could not cash them out of. He had an account also with My bank in his official name and would have his secretary get the checks to me and I would send to the nurse. I didn't know this was a scam until the checks bounced. The nurse who I sent the checks to was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Credit Card company name " XXXX XXXX XXXX '' that is reporting a fraudulent account into my credit profile.
Product: Mortgage

I am a XXXX and bought a duplex XX/XX/XXXX in the state ofGeorgia. Wells Fargo has been the mortgage holder from Day 1. Because my down payment was less that XXXX % at the time, PMI was set at $ XXXX/month. I had no problem with PMI at the time. I have consistently paid my mortgage and in a timely manner. I have even paid down my principal consistently over the last 12 years since this property has been such a cash flow machine.The property is now valued at $ XXXX- $ XXXX ( based on recent resale comps, XXXX and other valuation websites etc ) and my loan balance is now at $ XXXX. This puts my LTV ratio somewhere in the XXXX % to XXXX % range. On my mortgage statement from Wells Fargo ... ... they list my XXXX ratio at ~ XXXX % and says that PMI will be discontinued in XX/XX/XXXX when the LTV ratio according to their projection will be at XXXX % ( that 's almost 28 more months of paying PMI of $ XXXX/mth ) ). I have tried on numerous occasions to get Wells Fargo to drop the PMI of $ XXXX/monthly ... ... ( because of the increasing value of real estate across the US since the Great Recession of XX/XX/XXXX-XX/XX/XXXX ) ... .however to no avail. Wells Fargo mortgage staff ca n't seem to give me a proper explanation. THIS IS AN OUTRAGE!!!!! ... .and in light of the recent UNSCRUPULOUS practices discovered at this bank, I believe that WELLS FARGO BANK has intentionally NOT updated their customers ' real estate mortgage portfolio values to reflect increasing values in order force numerous homeowners and real estate investors to keep the paying the monthly PMI for years after their they have reached an LTV ratio of XXXX %. THIS NEEDS TO BE INVESTIGATED, SINCE I AM SURE THAT I AM NOT THE ONLY ONE ( HOMEOWER OR INVESTOR ) AFFECTED BY THIS FORCED PMI PAYMENT BY WELLS FARGO BANK. IT IS A RIP OFF AND A SCAM!!!!!!! AND IS PROBABLY WORTH BILLIONS OF $ $ $ $ $ OF PROFITS TO THIS BIG GREEDY BANK AND THEIR UNSCRUPULOUS EXECS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in XXXX addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The XXXX fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX SUMMIT XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental home and my loan was sold to Loan Care on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, Loan Care placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Product: Checking or savings account

It should be noted that I am XXXX, XXXX, XXXX  citizen. 

On XX/XX/year>, I went to my former Bank of America ( BofA ) branch located at XXXX XXXX XXXX XXXX, in XXXX XXXX. I wished to establish new bank relationship with BofA. I spoke with XXXX XXXX XXXX ( XXXX XXXX ), Senior Banker, who immediately recognized me as a loyal and respected former customer for more than 20 years. In fact, she greeted me and agreed that in her XXXX years of banking at the branch I have never been involved in any hostile acts and was a model customer. In fact, the branch manager XXXX also knew me as a model customer. In fact, all the employees at the XXXX branch knew me as a model customer. In fact, everyone is aware that I am XXXX, XXXX, XXXX  citizen. 

I informed XXXX XXXX that I wished to re-open my accounts. She welcomed me back and agreed to do so, but needed to make a phone call. She spoke with someone and was told that I was denied opening my accounts. XXXX XXXX informed me that the person she spoke with refused to explain the reason. 

I wish to know the full details/facts of the reason for denying opening accounts at BofA. 

For the record, there is no evidence to support any acts of abuse or any hostile acts by me to any BofA employee, nor is there any evidence that supports this and wish to be provide with evidence to support this. If BofA can not provide beyond a reason doubt a strong reason and evidence to support their denial, then this supports denying me opening an account due to race, age and XXXX. 

It should be noted that I have a mortage with BofA and XXXX lines of credit cards. I have never been delinquent in payments and have a strong financial background with no negative credit history with BofA or anyone. 

It should be noted that BofA employees at the XXXX branch supported my request to re-open my accounts. 

BofA motto is " What would you like the power to do? '' The power to allow me the respect and dignity to re-open my accounts and give every human being a second chance.
Product: Credit card or prepaid card

I called up Barclays card on XX/XX/XXXX, XXXX XXXX  PST. because my credit card was " CreditAccount was locked and frozen ''. I was unable to use my credit card!. The voice automated operated was not working, when I finally reached Customer Service, the first customer service operator kept speaking over me, and When I asked if its acceptable that my " Account was locked and frozen? ", the customer service hung up on me. It was a female and the first call of the day. Is that how they treat customers where their account is locked/frozen? They should help people service their locked accounts, not hang up on people. Can they
Product: Credit reporting

On XXXX XXXX, 2016 Equifax send me a letter stating that my disputes regarding disputed inquiries have been removed ( Confirmation # XXXX ). I recently viewed my latest Equifax Credit Report and unfortunately the inquiries that I was told were removed are still reflecting on my Equifax Credit Report. Here are the following inquiries the Equifax stated were removed from my 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 REQUESTING THAT EQUAFAX UPDATE MY FILE WITH MY NEW TELEPHONE NUMER. XXXX, Thank you.
Product: Credit card or prepaid card

On XXXX, I applied for a Union Bank Platinum Visa Credit Card, and received an immediate approval ( " Congratulations! Your application for the Non Rewards Card has been approved. You have been assigned a credit limit of {$10000.00} '' ). As part of the application, Union Bank asked if I " would like to request a Balance Transfer to your new Union Bank Credit Card '', which I agreed to. On that day, MUFG UNION BANK NA began reporting the new account to the credit agencies. 

On XXXX, I received a letter dated XXXX confirming that my " application has been approved. Your new card should arrive in the mail within the next seven business days ''. Also on XXXX, I received a new credit card. The account number ends in XXXX. 

I tried to activate my card online following the provided instructions, but the website would not let me due to an error. I called Union Bank for assistance, and I was informed that my account had been closed due to a suspicion of fraud linked with a balance transfer request. 

I was surprised by this for several reasons : 1. Union Bank had specifically advertised this credit card as having a " Low INTRO APR ON PURCHASES AND BALANCE TRANSFERS ''. 
2. The balance transfer request submitted as part of the application process. 
3. I received two confirmations that my application had been approved ( instantly after the application was submitted on XXXX, and in writing by a letter dated XXXX ).
Product: Debt collection

Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate said debt. I have never had a contract with Midland Funding, LLC and therefore do not owe this company a dime!
Product: Mortgage

Before passing away, my Mother quitclaimed her property to me in XX/XX/XXXX. In early XX/XX/XXXX ; I began experiencing financial difficulties and the mortgage went into default. Over a period of one ( 1 ) year ; from XX/XX/XXXX to XX/XX/XXXX, I have repeatedly submitted loan modification applications to the loan servicer and I have always submitted the follow-up documentation timely ; with fax confirmations as proof. 
I have received a denial of all of these applications due to conflicting reasons as given by the servicer : 'insufficient documentation ' or 'no loss mitigation options available '. The last denial I received was on XX/XX/XXXX ; which I am currently appealing. As I await the results of my appeal ; the servicer has informed me that the foreclosure sale is still moving forward.