23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to XXXX U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States XXXX, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve XXXX is unlawful and can not. 

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. 

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may  NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Product: Checking or savings account

ChexSystem is reporting XXXX XXXX  XXXX Account Number : XXXX on my file as Non- Sufficient Funds ( NSF ) for a Charge Off Amount of {$590.00}. This bank account was opened fraudulently under the address XXXX XXXX XXXX XXXX, PA XXXX, I have NEVER lived at this address or done any business with this company under this address therefore ; this UNPAID BALANCE I am being accused of is FRAUDULENT and MUST BE DELETED per the FCRA. Please keep in mind, this is my second attempt to resolve this matter with ChexSystem. I have attached a FTC Identity Theft Report to substantiate my claim. I have also notified the Federal Reserve for ChexSystem non-compliance and willful neglect of Federal Law. Attached to this Complain is a copy of my Photo Identification with my ACTUAL proof of residency.
Product: Checking or savings account

I was robbed, the thief stole my phone and debit card. They made unauthorized purchases and withdrawals. Bank of America has been awful at honoring their {$0.00} liability for unauthorized transactions. I have a police report, there are dozens of records where security footage can be scene of the thief making purchases. Bank of America has done the bare minimum to look into this and not approve the multiple claims. Very disappointing.
Product: Mortgage

I am filing this complaint regarding Ocwen Loan Servicing , LLC, promising in writing {$2000.00} for cash for keys, on my foreclosed property in New Mexico. The foreclosed property 's address is XXXX XXXX XXXX # XXXX, XXXX XXXX , NM XXXX. The property is now vacant.
Product: Student loan

Navient claims to have purchased XXXX Federal Loans of mine. Without either the original bank or Navient informing me of a sale, Navient shows up on my credit file with XXXX 90 Day late statuses. These two late payments of 90 Days do n't show a 30 days late or even a 60 days late, but just right to 90. This tanked my credit score and is making buying a car difficult as I was told my credit is too poor for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting Act. These companies have violated my rights : *15 usc 1681 secttion 602A States i have the right to privacy.

*15 usc Section 604a section2 also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX BANK XXXX XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I attempted to send a Moneygram transfer for {$100.00} to a freind with an orphanage in the nation of XXXX yesterday XX/XX/2020 which would be approximately the fifth time that I have done so in the last 3 months, sending usually {$50.00} to {$100.00}. Moneygram cancelled the last transfer based upon an alleged suspicious profile and shut down my account. I contacted their customer service line they post when stating you can not log into your account, at XXXX once the attendant comes on they can only repeat the same thing, that I could no longer utilize their on-line service that security has determined it should be closed down due to suspicious activity, yet no one is willing to tell you what that alleged activity is. When you ask to gain more clarification you are put off from doing so by the customer service reps. Most of the people manning the XXXX customer service lines sound like they are from south east XXXX, i.e. the XXXX, XXXX, or XXXX and often lack clarity both in their XXXX as well as the circumstances surrounding the account closure. 
=================================================================When asking to speak to their security department for further clarification they claim that they can not do so in order to protect the identity of their security officers, all of which does not make sense. Thus, a person is left in the dark with their name and credibility being sullied and/or defamed but with no type of due process to examine why. The money that was previously accepted before being declined I was told can take betwee 3 and 10 days to return. Hence, Moneygram appears to have two ratings, if things go in accordance with a normal transfer, then the rating is excellent 7 on their survey calls after the transaction is completed. However, if they decide to shut your account down they have no process for redress, no one can or will provide any cogent reasons for the shutdown, so the client is left empty. Hence, the rating, in my opinion at that point is 0 or 1. There is no rating 2 through 6 at  this point since there is no one else to speak to. You are a favorable client today and for reasons unknown to you you are scandalized and become, at least in your mind, a scoundrel tomorrow. You have no way to clear your name or articulate whatever the issues that brought you to be shut down. ==================================================================Their process is unfair, after the initial XXXX  customer service personnel, and the alleged supervisors within that same room, probably taking Moneygram 's customer service calls from a boiler room in XXXX, XXXX or the XXXX, there is no one at their corporate office here in the US that can be called. It is simply a sad situation that ultimately angers you due to the limited service to actually address perceived wrongs. Their common response is that they have the right to shut you down based upon unfounded allegations without having to provide a reason as to why.
Product: Mortgage

My home was foreclosed on by M & T Bank on the following date, XX/XX/XXXX. This was after a six year process with both M & T Bank ( the current holder of the mortgage loan ) and Hudson City Savings Bank ( which merged with M & T Bank in XX/XX/XXXX) submitting multiple loan modifications. I received via regular postal mail on XX/XX/XXXX the 'Notice of Demand Of Possession ' attached in this compliant - three notices total as you will find addressed to XXXX XXXX , XXXX XXXX , and Tenant/Occupant. Within these letters, both M & T Bank and M & T Bank 's legal counsel ( XXXX XXXX XXXX XXXX ) included incorrect and carelessly exposed information on the following : a ) The property listed as : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is listed on two of the three documents sent. This is not the correct property associated with this case and sensitive matter. This is a breach of privacy and a violation of bank privacy laws ( federal and state ) against both myself and my spouse ( XXXX XXXX ), as well as the residents of the above stated property which was carelessly exposed. b ) The date of Sheriff Sale is incorrect on all three documents. XX/XX/XXXX on two of the documents, and XX/XX/XXXX on the other are all incorrect. My expectation at this time is that M & T Bank will conduct a full internal self investigation on this entire case ( File # XXXX, Loan # XXXX ) and the CFPB will act as the liaison. Sincerely, XXXX XXXX
Product: Credit reporting

several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the XXXX form.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

One day, maybe in XXXX or XXXX, I took out a student loan with a bank that was not Wells Fargo ... I never originated a loan with Wells Fargo ... Ive banked there for over 20 years ... Never anywhere else ... Never a loan ... 

I assume Wells Fargo purchased the bank with which I originated the loan. How can Wells Fargo have rights that the originator never had? Wells Fargo, out of the blue one day in XXXX of XXXX, did an offset to my bank account for {$1500.00} for a loan with a bank that would have to go through the legal system to get rights to my bank accountPlus the loan would have originated in XXXX or XXXX so it seems that the statute was up. 

To this day, I do n't know what loan this is about, and when I called Wells Fargo back in XXXX XXXX, I talked to an underwriter named XXXX who was offered no explanation. When I submitted a complaint form, I got a letter from a person identified as XXXX on Wells Fargo parchment letterhead dated XXXX/XXXX/XXXX. She basically states that Wells Fago was within its rights, and still did not tell me the name of the origination bank. 

Wells Fargo put me in duress by taking {$1500.00} of my bank balance and telling me that if I would not agree to a monthly payment plan they could reduce my bank balance by 75 % whenever they please. The scenario was stunning, and has caused me emotional distress. I was intimidated and to this day I feel like Wells Fargo may go into my account for whatever reason they deem acceptable. 

I went to University XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX  account number XXXX XXX in XXXX and XX/XX/2020 with Experian and XXXX  credit reporting agency to verify that this account belongs to me and I also requested their method of Investigation. I also sent a request for validation letters to the collection agency and received no response from them. XXXX  and Experian dispute results stated that this account has been verified but how is this possible when I received nothing from the collection agency with my signature verify that this account belongs to me and how is credit reporting agencies XXXX  and Experian had received anything from this collection agency showing proof of verification I have not received anything. I would like these credit reporting agencies to do a complete investigation
Product: Credit reporting or other personal consumer reports

My credit reports are extremely inaccurate and incomplete! The FCRA states that everything reported must be 100 % accurate and my reports are the exact opposite of that. Payment dates, open dates, and amounts are not reporting accurately across XXXX, Transunion, and XXXX 's credit reports. inaccurate credit reports have ruined my reputation with the banks and I am unable to take care of my family like I need to. I need all inaccurate accounts removed immediately or I will be forced to take legal action
Product: Checking or savings account

On XXXX, my wife and I opened 2 new accounts at TD bank at their XXXXXXXX XXXX branch. 
1 CD in the amount of XXXX with an interest rate of 5.5 % APR, and a high yield savings account in the amount of XXXX with an interest rate of 4 % XXXX. 

I received a statement from the bank on XXXX referencing the high yield savings account, which indicated the 4 % interest rate was paid on the first month following deposit, BUT, that rate was drastically reduced for the following 3 months. 

I called the bank on XXXX and spoke to XXXX XXXX, the bank representative who we dealt with setting up the accounts. He had no explanation for the rate change. He advised that he was changing the rate back to the 4 % and would get an answer regarding what had happened. 
I requested answers regarding what had happened and if the bank was going to make a correction and credit the account for the lost interest. 
XXXX XXXX indicated he was going to speak to his manager and I should have an answer by XXXX. 
Not receiving any reply, I called the bank on XXXX but was only able to leave a voicemail. I then went to the bank in the afternoon of XXXX to speak to XXXX XXXX. He advised that he had not received an email reply from anyone that would allow him to reply to me. 
He indicated he should have an answer by XXXX. 
Having not received even the courtesy of a reply I sent him an email advising that if I had no reply by the end of the day XXXX, I would need to file a complaint. 
Once again, I did not receive a reply either by phone or to the email.
Product: Student loan

They make it impossible to pay back, on time and always add negatives to your credit report. Hold times are ridiculous when calling.
Product: Credit card

I paid my XXXX payment a few days early at the end of XXXX. Citi bank marked my account 30 days late and dropped my credit score XXXX points.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up to my previous dispute to request the removal of unauthorized inquiries and incorrect name and address details that are inaccurately listed on my credit report. I did not authorize the inquiries outlined below and am providing the details for your detailed investigation : XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have not applied for any credit or services with the entities listed above. The presence of these unauthorized inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Product: Checking or savings account

The Complaint alleges that by failing to XXXX these accounts from fraud and failing to address claims in a timely manner, Bank of America violated the Florida Consumer Privacy Act, Florida Unfair Competition Law, and Regulation XXXX of the federal Electronic Funds Transfer Act ; cardholders ; failed to warn Account and cardholders about the risks associated with its Security issues my email texts about accounts and debit cards ; and negligently among other violations of law. 

Due to the bais experience with trying to reach out to the above banking institutions to address the account where obtain during fraud and Banking institutions failed to provide safeguard to consumer information consumer do not authorize no to open or obtain a Banking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Reinvestigate the accounts listed below. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Checking or savings account

Two problems. First : I paid off my home mortgage with Synovus Bank on XX/XX/2021. I contacted Synovus the following week to ascertain when my funds remaining in escrow ( for property taxes and insurance ) with Synovus would be refunded to me. I emailed back and forth with a woman named XXXX at Synovus who told me the banks policy is to refund escrowed monies 22 business days after the loan is paid off. 22 business days is far too long for Synovus to hold my monies, but the bank would not agree to do it sooner. 

Second and main problem : I finally received a check from Synovus for the above funds on XX/XX/XXXX and, using my mobile banking app, deposited same in my XXXX XXXX Bank checking account. On XX/XX/XXXX I received notification from XXXX XXXX via text and email that they had placed a hold on this deposit and deducted the full amount from my checking account. I immediately contacted XXXX XXXX to determine what the problem was. I spoke via phone with XXXX who told me XXXX XXXX was not able to verify availability of funds with Synovus and therefore we put a hold on the deposit. 

I then called Synovus and spoke with XXXX who, after looking at the Synovus account the check was drawn on, told me there were no issues with the account and no reason for XXXX XXXX to hold the deposit. 

I called XXXX XXXX back on XX/XX/XXXX speaking with XXXX and then XXXX in the Client Advocacy Dept. who told me XXXX XXXX had received notification from Synovus that there had been suspicious and/or fraudulent activity in the Synovus account the check was drawn on and thats why XXXX XXXX put a hold on the deposit. 

I promptly called Synovus back, spoke with XXXX again and relayed the information regarding the Synovus account given to me by XXXX XXXX. XXXX said she would check with her Payments Dept. about this and call me back. She called me back after checking with her Payments Dept. And said there were no problems on Synovus end and that XXXX XXXX should have no issues with clearing my deposit. XXXX also told me I could take the check to any Synovus branch and they would cash it. Unfortunately, there are no Synovus branches anywhere close to where I live. 

Frankly, I dont know whats going on between Synovus and XXXX XXXX XXXX I feel like Im caught in the middle of something I cant fix. Please help me get my money.