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

Bank of America contacted me Friday, XX/XX/2022 and left a message to inform me they had cashed a check written by me from my XXXX account that appeared to be altered. The message asked if I had written a check to XXXX XXXX in the amount of {$4000.00}. 
When I was able to reach someone on the following Monday morning, XX/XX/2022 I told them that the check had been made out to the XXXX XXXX tax collector, XXXX XXXX. The person at Bank of America told me to report the claim to my bank. I reported it to my bank and filed a police report. 
XXXX XXXX has been unable to get a response from Bank of America despite numerous attempts. I have tried to contact Bank of America but can not access their customer service or fraud division because I do not have an account there. The automated system will not allow me to speak to a human without entering my account number. 
XXXX has sent me a message that because they can not get a response from Bank of America, they are going to drop my claim. 
I do not accept this because Bank of America was the entity that first noticed the fraud. Now they refuse to respond. This is a lot of money for me.
Product: Checking or savings account

On XXXX XXXX, XXXX I went online with Discover Bank to open a Savings account. When I got to part to transfer my funds from my bank to Discover, there website did not take the transfer, for what ever reason I have no idea, and I followed there instructions as said online. So while it was still trying to transfer the money and saying it would only take 1 minute, I called Discover Bank. The gentleman told me wait till Thursday XX/XX/XXXX and if you haven't received a email call us back on Thursday ( XXXX ). On Thursday XXXX, XXXX I called Discover Bank and the guy told me to now wait for a letter to come in the mail. Why? I asked, they said they have to make a decision first,. So waited a week NO email or Letter in the mail... so called Discover Bank again on XXXX XXXX, XXXX and guy told me the same thing " wait for a letter to come in the mail for a decision '' I asked to talk to a supervisor and he said they would say the same as him and refused to push me up the ladder. I feel that they are trying to get out of doing this savings account opening because they don't want to pay the bonus that comes with it. As attached letter shows I have the proper papers to get it, including proper dating ( Offer ends XX/XX/XXXX ) ..and nothing should hold me back otherwise. I qualify. Going for the {$25000.00} for {$200.00} bonus. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed XXXX XXXX XXXX XXXX pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Product: Checking or savings account

A friend of mine sent me XXXX I transfered it to my XXXX XXXX  card but it would only allow me to send XXXX. I tried to send my friend back the XXXX and it kept saying error and the next thing I knew they restricted my account and it has been 13 data and I can't get my XXXX they keep telling me they can't let me speak to the investigating team or a supervisor.
Product: Debt collection

I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. XXXX directly paid XXXX for my internet service at my resident. I never received any billing statement from XXXX. Everything was handled directly between XXXX and XXXX. 
I moved and ended my employment with XXXX on XX/XX/XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX to my new address attempting to collect {$120.00} for XXXX. I called XXXX on XX/XX/XXXX to resolve issue and they confirmed the account was XXXX corporate account. I also called XXXX XXXX to dispute my collection account. I finally received a letter from XXXX XXXX dated XX/XX/XXXX that they had reviewed account and resolved it. The letter stated " Our office has reviewed the above-referenced account and we have made the decision to discontinue our collection efforts. Rest assured that no information regarding this account has been reported to the credit bureaus by this agency. '' I thought this issue was resolved and closed. 

However, recently, I checked my credit reports on XX/XX/XXXX and I noticed a collection account is on my file. It damaged my credit score and my credit history. I have disputed with all 3 credit agencies. XXXX and XXXX did not resolve my issue. I requested XXXX  3 times : 1 in XXXX, 1 in XXXX, and 1 in XXXX to send me my dispute result in writing but I still haven't received any in mail. XXXX sent me the investigation results. The letter stated that the Collection account from XXXX XXXX XXXX # XXXX. I never receive any letter or any notification from XXXX XXXX XXXX before. This is the first time I am aware of the collection account from XXXX XXXX XXXX for the same creditor XXXX is on my credit file. How many collection agencies out there attempting to collect the same account for XXXX? How can I dispute when I never receive any mail or notification from XXXX XXXX XXXX.? 
Please assist me to resolve this issue and make sure the collection account is removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account appearing on my credit report. I am a victim of identity theft stemming from a data breach, and the following account was fraudulently opened without my authorization : Creditor Name : XXXX  XXXX o Account Number ( Partial ) : XXXX o Date Opened : XX/XX/2014 o Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 USC 1681c-2 ( a ), I request that this account be blocked from my credit file and deleted permanently as it is not valid and was established as a result of identity theft.
Product: Checking or savings account

My name is XXXX XXXX I had a checking account with TD Bank in XXXX XXXX XXXX Florida their number is XXXX a check was mailed to me out of California for {$14000.00} in change TD Bank held that check because they thought I was fraud which is not for 3 weeks they ended up closing my account the check is still good TD bank has not sent it back to XXXX XXXX in California I have called them and I've been to TD Bank and they're not doing anything about it they closed my account about 5 or 6 weeks ago they have not returned the money to XXXX XXXX XXXX yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX XXXX contacted TransUnion in regards to removing inquiries not authorized by me. The agent denied me the right to have the inquiries removed. The communication was recorded as proof and protection. This was in clear violation of consumer protection laws that are in place to provide fair and accurate credit reporting. This denial of my rights as a consumer has impeded mine and my families right to credit in a negative manner.
Product: Debt collection

In 2014 XXXX  XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX   insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX & XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I'd opened a XXXX Mastercard account ( XXXX XXXX ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to XXXX XXXX  to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX   XXXX and Experian ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via Experian. 

After several dozen calls and multiple hours of my time, I'd contacted XXXX XXXX ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting Experian and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.
Product: Credit reporting or other personal consumer reports

1st of all Experian and the reporting agencies did not get my consent in any form to share my information with any parties! The information is inaccurate and furthmore they are acting as though they are representing me. Under the FCRA USC 15. 1681 ( B2 ) what they have some is illegal.They show accountants that is well over 7 years! They have statements indicating that they had consulted with the dark web to ascertain my emails XXXX/XXXXXXXX Most of the addresses are in error are have been misconstrued. Some of these accounts are in litigation. It's all wrong fouled up!
Product: Credit reporting or other personal consumer reports

The accounts are fraudulent. They were opened/used without my permission. I talked to the companies and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 
These accounts are reporting to my credit and I do not recognize it. Beyond these facts I do not have any other information. Please delete them : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Land Patent issued to my property, which means : A patent issued, by the government of the United States is legal and conclusive evidence of title to the land/property described therein. No equitable interest, however strong, to land described in such a patent, can prevail at law, against the patent. 

The supreme court of the United States of America has upheld this time after time. No government, local, state, or federal, bank, mortgage company or speculator can take it, period. It has consistently ruled against the taking of these lands/properties for debt, which includes foreclosures, and even unpaid taxes. 

The Homestead Act stated in Section 4 : " That no lands acquired under the provisions of this act shall in any event become liable to the satisfaction of any debt or debts contracted prior to the issuing of the patent therefor ''. 

Allodial property can not be foreclosed upon or liened.

a patent to property is the highest evidence of title and may not be collaterally attacked [ State v. Crawford, 441p2d 586,590 ( Ariz. app.1968 ) ] the land patent is the highest evidence of title and is immune from collateral attack. [ Raestle v. Whitson, 582 p.2d 170,172 ( 1978 ) ] With all this, I'm filing a complaint against J P Morgan Chase Bank @ XXXX XXXX XXXX, XXXX , OH XXXX, and XXXX XXXX XXXX @ XXXX XXXX XXXX , XXXX XXXX, XXXX , TX XXXX, for wrongfully, unlawfully and illegally autioning the sell of my property @ XXXX XXXX XXXX, XXXX , TX XXXX on XX/XX/XXXX. Chase was given a copy via certified mail, of the Land Patent that has been brought up in my name, and therefore they don't have the legal authority to sell my property for which is in direct violation of the federal law. 

Therefore, I demand that Chase and their attorney immediately stop the sell of my property on XX/XX/XXXX of XXXX.
Product: Credit card or prepaid card

I HAVE HAD MANY FRAUD TRANSACTIONS ON MY WELLS FARGO VISA CARD AND I HAVE REPORTED IT TO THEM EVERY SINGLE TIME THIS HAS HAPPEN TO ME.. EVER SINCE XX/XX/XXXX MY CARD HAS BEEN CHARGED WITH THINGS THAT I NEVER AUTHORIZED AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES.. I WILL LIST ALL THE TRANSACTIONS ON HERE FOR YOU TO SEE. I KNOW XX/XX/XXXX IS VERY OLD BUT PLEASE IF YOU CAN SEE HOW MANY TIMES THIS HAPPEN TO ME AND WELLS FARGO VISA NEVER BACKED ME AS THERE CUSTOMER AND NEVER WANTED TO GIVE ME MY MONEY BACK. THEY WERE RUDE AND IGNORANT TO ME TELLING ME I WAS A LIAR, WHICH I AM NOT.. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX  XXXX   XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX   - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX   XXXX  - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX 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 - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX THESE ARE ALL THE CHARGES THAT WERE POSTED TO MY ACCOUNT THROUGH THE YEARS AND I NEVER DID BUSINESS WITH ANY OF THESE SAID COMPANIES.. I HAVE TRIED TO CONTACT MOST OF THEM AND LOOK THEM UP BUT I HAD NO LUCK BECAUSE THE PHONE NUMBERS WERE DISCONNECTED.. PLEASE HELP ME GET MY MONEY BACK. PLEASE I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME..
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of the Principal ( XXXX XXXX XXXX for the purchase of a XXXX  XXXX XXXX XXXX XXXX  and provided a copy of my durable power of attorney and a letter of Tender as attachment with application giving clear instruction to leverage the application and tender as collateral and interest owed to Principal to satisfy and settle any debt and obligation to preform. 
As acting agent/attorney in fact it is my duty to protect the principals interest in all consumer credit transactions and XXXX XXXX XXXX XXXX XXXX XXXX and/or Chrysler Capital aren't allowing me to do so. A hard pull in credit report indicates a transaction from witch the Principal has not benefited. Also having given value to the application by signature and submitting to XXXX XXXX XXXX XXXX XXXX XXXXChrysler Capital this constitutes valuable consideration as recognized by the Federal Reserve , and have not received and value consideration from XXXX XXXX XXXX XXXX XXXX XXXXChrysler Capital in exchange . 
Instead I was told that the principal had no credit. Not a low score but no credit existed. This is not the case or the account wouldn't exist. Creditworthiness is determined by the prepayment of the extention of credit as described in the Tender provided and not solely in the credit score. Instead told me sorry I was out of luck. That I had to deal with the banks.

I was in compliance with all applicable law governing consumer credit transactions. Breach of Fiduciary Duty or Breach of Contract, with willful intent to commit are serious violations and carry serious fines and potential imprisonment.
Product: Debt collection

I called CITI bank to settle a XXXX XXXX XXXX credit card debt. They couldn't find the debt as it was sold to a collection agency. So I called a firm claiming to handle the debt. I was transferred to a man named XXXX at XXXX. I offered to settle to debt. I made a offer of 30 % of what they claimed I owed. He put me on hold several times He acted like he was sick. He came back twice without any counter offer and said his supervisor told him he can't settle the debt. So I am writing to you as I want to settle the debt but I can't negotiate against myself. This was a good faith effort to settle and pay this debt. I am trying to buy my XXXX home ever and I need this cleaned up in order to get the loan for the home If they won't work with me how am I suppose to move forward? I have attached the name of the companies involved in the paperwork I have been sent. Now that I have started to look for a home they are harassing me to pay this debt in full I don't fee this is fair because for the last 12 years I didn't even know this debt was hanging out there until now. I appreciate any help you can give me on this. I really want to settle the debt and move on. Thank you.
Product: Debt collection

cavalry spv1.llc XXXX XXXX XXXX  n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX   nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however XXXX and Equifax have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.
Product: Credit card or prepaid card

I noticed on my credit report that there was a company i did not do business with. I attempted to contact by phone, and they had no information in my name. I started writing to the company. I have been writing to the company approximately every two months for about a year. I have only had two responses to my letters. The first letter asked me for my name and other information that they should have had if I had opened an account. The second letter stated they were looking into it - that was 6 months ago. They have done nothing! I have asked they multiple times to show me where I opened this account. Show me where I signed the agreement. The account states I owe over XXXX dollars and the account was opened in 2019. I did not open this account. I have never received a bill or statement from this company. I have disputed with all the credit reporting agencies, and it has affected my credit rating drastically. I pay my bills!
Product: Mortgage

After having several issues with this company paying the wrong insurance company for homeowners insurance, and then making errors on my escrow analysis and trying to overcharge, now they are telling me that I can not close the escrow account and pay my taxes and insurance myself because this loan is on a single family residence that I rent out and do not occupy in the state of California, although according to the criteria they state on paper for closing an escrow account I have fully met.