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

I am a lottery winner, on XX/XX/21 i received my first annuity check and was told by the bank manager that I could not cash the check, but deposit would take 1 business day and that none of the check would be available that day. This check is from the California treasurer for the california lottery. I chose not to deposit it and would take that one to a check cashing place to be able to have the money that day. I received my 2nd annuity check on XX/XX/21 and decided I would deposit this into my account and thought I would get the money the next day. Upon deposit of my check issued to me, into my bank account from the state of California, was told on the receipt that the check " may be returned and there would be a hold until XX/XX/21 '' and non of my money would be available until then. I then contacted bank of america customer svc to advise them that this goes against what i was told by the bank manager that day. I spoke with a rep named XXXX from florida who said typically they will clear the next day and since that would be a weekend day,. it should be available XX/XX/21 and if it was not I could call in and ask for a hold release. She specifically stated to me that they have an internal number they could call to check the validity of the check and release the hold. Which I thought at worst Monday i can ask for my money to be available. I called monday morning and the rep XXXX from georgia said that no such department exists and that she shouldnt have said that and said she could take a complaint. I spoke with a supervisor named XXXX ( no state given ) that no matter what my funds will not be available until XX/XX/21 at XXXX and the reason is they assume the check will be returned. Again, this is a state issued check. I asked how I could get my check back so I can go to another bank, open an account because of the lies that have been spewed to me over the last couple of business days. I was then told that they could cancel my check, inturn a fee would be applied to my account and then I would need to speak with the state to issue me a new check and she said " that would just take longer than just waiting for us to clear the check. '' I feel that I have been lied to and deceived to entrust my money with this bank. I was given no other help as how to ensure that there would be any type of repercussion for either the rep, or manager that gave me misleading information to just get me to deposit my check without telling me of future holds. I have XXXX of these checks coming to me and have received 2. I do not want to deal with this for the next 25 years and will likely close my account after the funds close, but would like to have Bank of america be reprimanded for being dishonest and withholding my funds issued by the state. I have had to wait already for 4 months to get a check, and now i have to wait even longer because of deceit.
Product: Credit reporting or other personal consumer reports

I disputed a credit card charge that I had already paid. Due to the a federal regulation prohibiting XXXX  XXXX XXXX from opening a dispute on a charge older than 60 days, the dispute was denied and I was not refunded the charge. During the time of the dispute, XXXX  XXXX XXXX reported to credit agencies the following negative remark : " account information disputed by consumer ''. This resulted in a change in my credit score of XXXX points. I have called XXXX  XXXX XXXX twice in an effort to understand why, when there was no outstanding / unpaid balance on my credit card ( I pay it in full every two weeks ), would it effect my credit so adversely. I do not believe the information in the remark was accurate, as, even though I had disputed the charge, I had already paid it and there was no outstanding balance.
Product: Credit reporting or other personal consumer reports

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. 

1, XXXX XXXX Acct # XXXX 2, XXXX XXXX 3, XXXX XXXX 4, XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit card

Chase sent me an amazon.com credit card that I did not request. When I called to inquire, they asked if I had aver had a Chase account. I said that Chase bought my bank a long time ago, but that I had closed the account. They implied that the card may have been sent to me as a former customer. I asked that they close the account and they said that they would. When I checked my credit report a month later, it showed an inquiry from Chase ( dated before I received the card ) regarding a loan or credit application. ( The type of inquiry that could affect my credit. ) The card did not show up on my credit report one or two months after receipt. I am concerned that the inquiry could affect my credit rating and annoyed that I had to use two of my three annual free credit reports to be sure that Chase closed my account as promised. It also is annoying that I had to spend so much time on this issue.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I've discovered several unauthorized accounts that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that these accounts are a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the accounts listed on my credit report. These accounts have been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Bank of America to no avail without getting my issue resolved. I DID NOT apply for credit nor any type of loan for this company and they have absolutely NO REASON to check my XXXX report. This occurred on XXXX and to arbitrarily check an individual 's credit is HORRIBLE! I have sent an email, reached out on XXXX and called and no one has assisted me. Below is a screen shot of the hard inquiry that needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : UNKNOWN Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 2. A detailed account statement showing the amount of the debt, including any fees or interest. 3. Date of Last Activity. 4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 5. Documentation confirming that you have the legal right to collect this debt. 6. Any correspondence related to this account that includes my signature or consent. I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I took part in a promotional solicitation offer by Amex to upgrade my credit card product ( paying an additional annual fee ). This was an offer to try a more premium card in exchange for some points. After trying the card for nearly a year, I decided to downgrade back to my original card. Amex then contacted me and removed the points awarded from the promotional offer. 

I was told that because I did not re-up on the annual fee for another year, they were retroactively removing points awarded 9 months ago. This seems like a " have it both ways '' situation on their part. I was an honest participant in their offer, and decided the product wasn't for me. They then penalized me for it using fine print terms I wasn't even aware of. 

XX/XX/21 : Amex emails me offering me XXXX Membership Rewards points for upgrade from Amex Everyday card ( no annual fee product that I have ) to Amex Every Preferred card ( {$95.00} annual fee ). The promotional offer requires that I spend {$2000.00} within 3 months. 

XX/XX/21 : Amex sends a reminder email about their offer XX/XX/21 : I accept the Amex upgrade offer XX/XX/21 : I spend {$4400.00} on the card, fulfilling the term of the offer XX/XX/21 : Amex emails me confirming I fulfilled the terms of the offer and awarding me the XXXX points. 

XX/XX/21 : I downgrade the product back to my original card ( Amex Everyday, no annual fee ). I tried their product for a lengthy period of time and determined that I didn't get the additional value advertised to be worth it. 

XX/XX/21 : Amex emails me that they have deducted the XXXX points from my account
Product: Debt collection

Transworld Systems Inc continues to call the above number, 1x to 2x a day after I communicated to them that there is no one at this number by XXXX XXXX ( spelling?? ). They continued to call daily for 2 weeks after I communicated this to them. I spoke with a XXXX XXXX at Transworld today XX/XX/2017 and again answered the same question that there is no one here by the name they are asking for and to stop calling this number. I work nights so the continued phone calls are most disturbing and a form of harrasment in my opinion.
Product: Checking or savings account

On XX/XX/21, Deposited XXXX payroll checks totaling {$1200.00} into CHASE CHECKING Account # XXXX. I Tried to use debit card, days later and account was closed. Tried to login via computer and was not able to get access as account was closed. I have called the XXXX # approximately XXXX to XXXX times during the course of the past year, they claim that the need to " SPEAK WITH THE MAKER OF THE CHECK ''. I no longer work for that company and they moved to a new location and changed their phone number. Chase states that the new phone # for the business is not listed on their internal system, I have been getting the same " NEED TO SPEAK WITH MAKER '' for more than a year, as of the time of this complaint filing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of XXXX XX/XX/year>, XXXXDate  of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

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. 
Account name : # XXXX  XXXX, account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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. 
Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, Good Morning, I hope your doing well. 

Request for Immediate Deletion of Charged-Off Account Pursuant to Metro 2 . 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you regarding an account that is currently charged off in my credit report. I kindly request your assistance in facilitating the immediate deletion of this account from my credit history in accordance with the Metro 2 guidelines. 


According to the Metro 2 guidelines, specifically Section 605, the credit bureau has the ability to delete or update information reported.I have provided it is inaccurate or no longer relevant. I firmly believe that the charged-off accounts mentioned above can be deemed as inaccurate and obsolete, warranting its prompt removal from my credit report. 

In support of my request, I would like to highlight the following reasons : 1. Inaccuracy : Upon thorough review of my credit records, I have discovered several discrepancies and inconsistencies pertaining to the reported details of the charged-off account. I believe these inaccuracies may have arisen due to data entry errors or miscommunications. 

2. Verification : I kindly request that you validate the authenticity and accuracy of the information reported for the mentioned account. As a consumer, I have the right to request verification of any data affecting my credit report. 

3. Timeliness : The deletion of this charged-off account is of utmost importance to me, as it is negatively impacting my creditworthiness and hindering my ability to secure favorable credit terms. I kindly request that you expedite the resolution of this matter within five ( 5 ) business days, as allowed by the Metro 2 guidelines. 


I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

Please be advised that, as per my rights under the Fair Credit Reporting Act ( FCRA ), I will monitor the progress and outcome of this request closely. In the event that the requested actions are not taken within the specified timeframe or if the account is not found to be inaccurate, I may be compelled to pursue further remedies available to me under the FCRA. 

I appreciate your understanding and cooperation in addressing this matter promptly. 

Thank you for your immediate attention to this request. I look forward to a swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 ) also s tates a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On or about Monday XX/XX/year>. I began to get multiple harassing calls from the Wells Fargo Preservation Department which consisted of constant calls with hanging up the phone every time I answers the phone. And on this past Wednesday when I did call back a customer service representative to whom is not even assigned to my case had vindictively mixed my file up with someone elses by the name of XXXX despite my point of contact person XXXX XXXX having everything squared away. However since XXXX XXXX XXXX from the Pa Mortgage Assistance Program has not heard anything from Wells Fargo in relation to them working together concerning the {$50000.00} Grant towards the mortgage. In which Wells Fargo continues to beat around the bush concerning this matter out of evil spite
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ATTACHING A COPY OF A XXXX REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.
Product: Mortgage

In previous complaints JP chase Morgan admitted to discrimination and adversary actions against my person in regards to obtaining a mortgage. I have attempted to make this right time and time again. This is the third and final complaint that will be needed to be submitted before a legal process can be done according to procedure so I am submitting this again. I am requesting my application for a mortgage in the amount of {$370000.00} be accepted. If it can not be accepted I need the LAW quoted, both the private and public on why JP Morgan chase thinks they have the RIGHT TO DENY me a LINE OF CREDIT in response to my APPLICATION. I would actually like to increase the loan amount to {$700000.00} because I would like to purchase a XXXX XXXX under a FHA XXXX or FHA loan in which I duly qualified for and still qualify for. Due to the discrimination and adverse actions, JP MORGAN CHASE has directly caused my family and I harm as my offspring and I are located in a high crime area due to these denials and they had to hear my neighbors car as it was shot continuously for over 15 minutes. My offspring are under the age of XXXX. They have admitted time and time again that they discriminated against me in many ways including : income, age, race, employment, by in good faith exercising my inalienable rights and right to credit, and many other internal factors in which do not equate to the Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

{$170.00} XX/XX/XXXX {$170.00}. XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX Charges by the XX/XX/XXXX My bank Suntrust I file for fraud but it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank keeps adding a phone number which does not belong to me as the only option for 2fa verification. This has prevented me from accessing my account online as I can not login using any phone number that belongs to me. I have repeatedly contacted synchrony bank to ask for assistance with this issue and have been repeatedly told that the phone number is being updated and I should try again in 24 hours.
Product: Checking or savings account

Capital one bank waiting on direct deposit. Its been 2 days and we received an email just stating system error without any communication as to when it will be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.