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

I deposited a payroll check in the amount of {$760.00} through US bank mobile app. The first day the bank gives you {$200.00} then after the check clears you get the rest of the money. The next day I got the rest of the funds so I thought the check was good. A few days later that same week I look at my account and had a negative balance of {$710.00}. I called US bank to see what happened and was told the check had a problem so they said take the check into the bank and see if it can be resolved. The manager of the bank said the check was fraudulent. US bank closed my account and they told me I can never open an account with US bank anywhere. I asked can I talk to someone in the fraud department but they said no. Once a check goes fraud then there is nothing I can do. All I did was deposit a minimum wage check with XXXX XXXX XXXX XXXX printed on it I received from my employer. I found out that when my employer opened this account with XXXX XXXX XXXX XXXX it was a new account and had a 24 hour hold on the account. My check came in this hold period so XXXX XXXX XXXX XXXX didn't honor the check. My new employer and me wants to know where is the fraud? My name is now defamed and soon my credit and reputation will suffer. I have a new bank now in XXXX XXXX XXXX XXXX. Before I open this account I told them what happened to me with US bank making me a fraudulent customer. They thank me for my honesty and they open my account. I gave back US Bank the negative balance hoping I could save my account but to no avail. I had a hard time giving the US bank back its {$710.00} but they took it. Then I asked for my {$70.00} in my savings account and then close my account. I had a hard time getting back my {$70.00}. I have been open and upfront with honesty but now I am a fraud. I want my good name back. I also keep thinking if the payroll check was bad then why did US bank give all the funds written on the check the next day? 
Thank you
Product: Debt collection

I Sent a Validation letter via certified mail to CMRE Financial Services , Inc. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX and they received it XX/XX/2021. They failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX/XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX/XXXX XXXX XXXX : {$120.00} -XXXX XXXX/XXXX XXXX : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Fraudulent/Inaccurate Credit Information I received a copy of my credit report and found the following item to be FRAUDULENT/INACCURATE XXXX. INACCURATELY REPORTING XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX By the provisions for the Fair Credit Reporting Act ( FCRA ), I demand that these items be removed from my report. 
On XX/XX/2023, it was ruled by a Judge and Jury that this loan had been rescinded, which solidified the cancellation and invalidation of its existence. As of XX/XX/2023, XXXX XXXXXXXX XXXX is fraudulently and inaccurately reporting this loan as pays as agreed which is in direct violation of the ruling of the Judge and Jury.

Attachments regarding this item include : A copy of the legal response to XXXX XXXX XXXX Motion for Summary Judgement ( pgs. 1 23 ) A copy of XXXX XXXX XXXX denied Motion for Summary Judgement signed by Judge XXXX XXXX ( pg. 23 ) A copy of the Judge and Jurys verdict sheet showing the judgement and its favor ( pgs. 24 31 ) A copy of the comments from Maryland Judiciary Case Search showing the judgment as contract rescinded ( pg. 32, verification can be obtained through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Lender repossessed my vehicle without letting me know. They did not send any letter or call me, I just woke up with it gone.
Product: Student loan

On XX/XX/XXXX in that time frame, I received a call from an Ameritech Financial representative, so i can pay off my student loan in small payments of {$82.00} a month. I asked how long would it take for me to pay off my student loan? The representative said 25 years if i pay {$82.00} a month. I had been paying Ameritech through my checking account monthly automatic with drawl. I had been paying for 1 year and 3 months. 
On XX/XX/XXXX, I received a letter in the mail from the Federal Trade Commission that they are suing Ameritech Financial for deceptive practices. They instructed me on what steps to take to cancel the services and ask for refund. I canceled Ameritech on XX/XX/XXXX. I asked for refund and they said i couldn't get money back, because of the agreement i made, but can cancel service and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to investigate certify letter that was asking for documentation associated with the account bearing my signature, certify mail was sent onXX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

There are multiple unauthorized transfers ( total more than XXXX XXXX ) made by a paypal account from my saving account in XXXX XXXX, those transaction went through without any authorization or approval from me, I contact paypal and they refuse to recover my loss or provide contact info about the merchant, which is totally unacceptable : XXXX XXXX, XXXX RETURNED ITEM FEE FOR AN UNPAID {$980.00} ITEM - DETAILS : PAYPAL XXXX XXXX WEB ID : XXXX XXXX XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$380.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$990.00} {$1300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$970.00} {$2300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$930.00} {$3300.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$760.00} {$4200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$640.00} {$5000.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$560.00} {$5600.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$500.00} {$6200.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$420.00} {$6700.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$350.00} {$7100.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$270.00} {$7500.00} XXXX XXXX, XXXX PAYPAL XXXX XXXX WEB ID : XXXX ACH debit {$180.00}
Product: Debt collection

I have sent one complaint about this company and it was not resolved to my satisfaction. I will pay the debt but due to the fact I have never received any notice of the debt or any reciept in the mail for my first payment. I am sending my next payment in a few days and wonder if I will get a reciept in the mail as well. I believe that the company should remove the collection info from my XXXX credit report immediately.
Product: Payday loan, title loan, or personal loan

After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  and Trans Union on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.
Product: Debt collection

I received an offer from XXXX to settle my account by XX/XX/2019 for {$1400.00}. I called to accept XX/XX/2019 at XXXX XXXX. XXXX. XXXX XXXX refused to forward me to an Account Manager for final resolution despite my numerous requests and disconnected. 
4 months later, I received a letter from Midland Credit Management stating they had taken over collection of my previous account and were seeking payment of {$4600.00}. Since I do not owe this amount and agreed to an offer from XXXX in the amount of {$1400.00} denied by XXXX XXXX, XXXX customer rep. 
I did all I could to resolve and settle this account XX/XX/2019. The fact XXXX was unable and neglected to accept resolution is on them. I am fine if they want to erase all claimed debt on this account since it has been bungled by their agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX XXXX XXXX . I am a XXXX  in a competitive subspecialty, with a high income, and I also travel extensively. I have no criminal record. I have always paid my credit cards in full every month, and I never had a late payment on any credit card. My credit score listed on my XXXX account is XXXX, which is excellent. I specifically chose to open Chase Bank accounts on XX/XX/XXXX ( at the XXXX, WI branch ) due to their bank accounts and credit cards being more accessible for international transactions, which I was very satisfied with. 

On XX/XX/XXXX, I received a letter in the mail from Chase dated XX/XX/XXXX, stating that all of my accounts and cards will be closed as of XX/XX/XXXX : Financial institutions have an obligation to know our customers and monitor transactions that flow through our customers ' accounts. After careful consideration, we decided ot close your accounts because of unexpected activity on this or another Chase account. 
This included Sapphire checking ( balance {$76000.00} ) and Premier savings accounts ( balance {$45000.00} ), and 2 Chase credit cards ( Chase Sapphire Visa balance {$23.00} and paid in full every month ; Chase Freedom Visa with XXXX balance ). 
I called the Chase # ( XXXX ) on the letter on XX/XX/XXXX to discuss what was going on and explain my situation. The person on the phone told me told Chase completed a review on XXXX XXXXXXXX  and decided on XX/XX/XXXXXXXX  to close all my accounts, which is a final decision that can not be appealed, and in the future I can no longer have any relationship with Chase Bank . 
On XX/XX/XXXX, I went to my local Chase bank in XXXX, WI and withdrew cashiers checks for my checking ( {$76000.00} ) and savings ( {$45000.00} ) accounts. They asked if this was because I wanted to close my Chase accounts, and I told the bank teller and manager that my reason was actually because Chase randomly decided to close my accounts on XX/XX/XXXX, so now I had to withdraw all my funds ASAP and find a new bank. I also paid my credit card balance in full.
Product: Credit card

I set up automatic payments with Bank of America XXXX  credit card on XX/XX/2024 when I paid my first bill balance. In XXXX when it should have automatically debited it did not and added late fees to my account. I called on XX/XX/XXXX to resolve the issue. they were able to see I had set up automatic payments and that it did not charge. I authorized a one-time payment for the balance owed XXXX and requested late fees to be removed as it was their system error. 
They processed the payment for the entire balance including late fees on that day and said I would receive a credit for the late fees on the next bill. 

I have a statement with a statement credit of approximately XXXX as the balance as of XX/XX/2024. 

On XX/XX/2024 they completed a ACH again taken from my bank account in the amount of XXXX. I called and was told they can see it was their error but I would need to wait XXXX business days to receive a check for money that was not authorized to be debited as I had already paid my balance and did not have a bill due.

I specially asked for it to be credited back to me immediately the sum was compromising my ability to pay other bills.
Product: Credit reporting or other personal consumer reports

Asked for full investigation and proof of identity and to provide me with details of investigation within 10 days. The account is not mine please remove from my credit report. 
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
Product: Credit card or prepaid card

I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use it
Product: Debt collection

Beware of a BEST BUY CREDIT CARD!!!!!!! The problem I have is they will not send me any letters about the debt. They say they can not give me a letter stating that I am willing to go on a payment plan with them. They stated they will send me a letter giving me the amount that is due, but nothing else. I have called and asked for the letter twice and have not received any information within the time it was suppose to come ( 10 business days ). I have called several times requesting to speak to a supervisor and is advised the same thing. It is currently being negatively reported on my credit.
Product: Credit card

I received a credit card in the mail with my name and address. I looked into it and there was a hard inquiry from them ( Citibank ) on my credit report. I immediately called them and told them I did not request this card and I want it deleted and my credit report clean up from their inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt was paid off a long time ago, and XXXX XXXX continues to be in violation of the FCRA Law Act for  reporting incorrect information. This debt is paid off and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but  bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

( roundpoint mortgage services llc ) who have taken over the mortgage payments from ( XXXX XXXX ) ..eversince we have noticed several problems our payments are not applied on time and received mails and notices from roundpoint ... that we didnt pay and its electronic through our XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which is also attached online to their account... 
in XX/XX/XXXX my wife call the mortgage company and ask them if they can deffer the payments for 3 month since she was out of work because of the school bus vacation. and we only have one income ... the lady on the phone told her sure we can do that..and make arrangements with my wife on the phone to have it setup.. 
during that time... there were no mail nor phone calls except in XXXX we couldnt get in our account because they have it locked..then we called them up..a lady who was on the phone making jokes we owes XXXX XXXX and something dollars and how are we going to pay it ... .then she began to tell us we havent pay mortgage from XXXX and there is interest and late fees and she laugh and make more jokes.then i ask her what about the arrangements my wife made..she said she didnt see anything ... no calls, no mortgage payments deffer or anything .... 
so in nov..i hustle up some money XXXX XXXX and something interest and fees also attach our bank account... they withdraw their money and that was done... 
in XXXX same situation again we were wondering why the mortgage wasnt taken out..they accuse us again of not paying the mortgage when its automatic from our bank and the lady says she didnt see any account setup also locked our account and we had to get new passwords from her to open it up..as we are talking to her ... in the account was the account numbers she said ... .quote??? i dont see any bank accounts linked to your account on my computer... .now theres a problem here... and it happened several times before ... .we have it here i told her then she said well you can pay now and pay XXXX late fees which she said she would waive but lied..after i paid the XXXX dollars ..and she said let me help you setup the account... .a few days after a letter arrived said we didnt pay and today is XX/XX/XXXX and the letter is infront my face... says we did not pay our mortgage for XXXX... now and the account was setup with the XXXX... then with XXXX ... twice..i wonder who took our INFORMATION ON THE PHONE..and who are these people representing these companies ... .and the mortgage that was supposed to be paid is not paid as of today ... due before XXXX of every month .....