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

On XX/XX/2019, I made a withdrawal of {$2000.00} from my XXXX XXXX  Account to my Chase Business Account in the form of a teller 's check. I have copies of the statements along with a copy of the teller 's check. Approximately 10 days later Chase closed my business account. The money from the teller 's check was never sent after the account closed. I first attempted to get my money on XX/XX/XXXX when I called Chase at XXXX. At that time they told me a check should arrive within a week. The following week on XX/XX/XXXX at XXXX I called Chase to confirm that I was receiving a check. The lady on the phone informed me that the check needed to be verified. At that time she said to go to XXXX XXXX  and confirm that the check payment was sent over. I scheduled an appointment with XXXX Bank and on XX/XX/XXXX I went to the XXXX XXXX  Branch at XXXX XXXX XXXX to check the status. After a half an hour they confirmed the funds were moved to chase bank on XX/XX/XXXX. ( Deposit amount was listed on the Chase statement in the documents ) With this information I went over to Chase Bank at XXXX XXXX XXXX. At that branch they said their systems were unable to verify the check despite me having a phone number for them to call and verify. They asked me to try again the following day XX/XX/XXXX with the same results. They finally stated they will try to verify on Friday and that if I did not hear from them by the weekend than that would indicate they were unable to solve the issue. If you need the call logs I am happy to submit them as well.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020 Paypal closed my account with no notice. I don't use the account regularly and there haven't been any receive money transactions in over a year. 

There is a balance of {$8900.00} that Paypal says they are holding. 
There is no chance of chargebacks because there were no invoices paid/ money received on this account. 

I want my money released to me immediately as there is no reason for them to hold it. They say they will contact me in 180 days, however I have heard that Paypal regularly takes the money and does not release it. 

It is the holiday and a pandemic. This account has not violated any use policies and there is no chance of chargeback. 

Funds should be returned immediately.
Product: Checking or savings account

On XXXX XXXX, I went to the bank and made a withdrawal. On the same day the bank processed another customer 's withdrawal against my account. 

On the XX/XX/XXXX I noticed the transaction, called the bank and they opened a fraud case and deactivated/blocked my account. 20 minutes after that call, I examined the image posted to my account and called back the bank to let them know that the " fraud '' transaction didn't have my account nor signature. It was the bank 's error because the customer had correctly filled out their withdrawal slip. 
In light of this I asked for the block to be lifted from my account. I was told that I would have to go to the branch to have this done. I was told neither customer service nor the fraud department can remove blocks from account. 

In an attempt to have access to my account I have been to the branch twice, made innumerable calls to customer service and been transferred to multiple departments with no success. Today I still have no access to my account and I'm still being given the run around. Ie. being punished for a problem that was no fault of mine.
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXXXXXX XXXX that I paid off early in advance. I have never had a late payment with this company but for whatever reason XXXX late payments are reflecting on my credit and I have disputed this multiple times asking the Credit bureaus to verify proof of these so-called late payments only after trying to obtain proof from the creditor themselves, and they felt to provide me that proof. This is hindering my credit, and I would like to have it resolved as soon as possible. They have denied my disputes over and over for the past I dont know how many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of accounts on my credit report that I dont recognize
Product: Debt collection

Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 my credit report had a big discrepancy XXXX XXXX Equifax XXXX : XXXX How can there be a XXXX point score difference
Product: Checking or savings account

On XX/XX/2021, I went to two ATMs to withdraw money. I went to 2 ATMs because I thought there was a problem with the ATM. My transaction was charged, then reversed several times. The transaction charged my account 12 times. They charged my account {$300.00} eleven times, and {$100.00} one time. This has never been a problem. Usually Wells Fargo sends me an alert that I approve. I had to call twice today to get help. The first agent did not resolve the problem.
Product: Prepaid card

I am a Rush card holder customer. I have not had access to the funds in my account since XXXX/XXXX/15. I can not move, withdraw, or access my funds.
Product: Mortgage

I applied for a construction loan earlier this year with a medium sized bank. The senior loan officer clearly knew how much I needed to fund the project. The bank and the mortgage broker had indicated the bank could fund up to 90 % of the appraised value. However on two separate occasions ( most recently XXXX XXXX ) I received a conditional approval for only 50 % loan to value. I believe this was not incidental, but intentional. This was after stringing me along for months and months with repeated requests for documentation that I had already sent, but it had misplaced or lost. 
Their process is deceptive and has placed me in a vulnerable position. If I want the project to go forward I am forced to put in a sizable amount of money. This is bad for me, but good for the bank because its risk is lower with a 50 % LTV than a 75 % 0r higher LTV.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX XXXX NA XX/XX/2023 XXXX CARD XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Debt collection

Linebarger Goggan Blair & SampsonLLP sent a letter in the mail indicating that their records indicate that you have an outstanding balance of unpaid fines due to the XXXX. Please take notice that your failure to pay the below references delinquent accounts XXXX result in the delinquency being reported to XXXX  XXXX XXXX XXXX. 

It requests {$190.00} in current balance for case # XXXX. I have never received a notice from any official of XXXX XXXX XXXX- and I dont think Ive ever even been there before.
Product: Mortgage

As of XX/XX/2021, I have not received my monthly mortgage bill statement. My payments are due on the 1st of the month. In addition, I have not yet received my tax form from my mortgage servicer. I assumed it had been lost in the mail, so I called the company today to find out what was going on. It turns out that they sent out the monthly invoice and tax statement on XX/XX/2021. That is 5 days before the due date - 4 business days before the due date of the payment. That's not enough time to get the statement in the mail from them, much less enough time to send payment in in response. If I had done such a thing, I would be subject to all kinds of late fees and interest. This is unacceptable behavior and a failure to perform their duties as a loan servicer. They are trying to set people up not to make timely loan payments. This is an unfair and deceptive practice.
Product: Debt collection

I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. 

please remove off credit report. This debt is from when I was sick
Product: Credit reporting, credit repair services, or other personal consumer reports

I got multiple reports related to XXXX XXXX in the past using the same account which i disputed and resolved with multiple collection agencies, but now NCA has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report
Product: Mortgage

I took out a loan in XX/XX/XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00} and the balance today is {$330000.00}. The loan was sold to XXXX XXXX ( XXXX ) in XX/XX/XXXX and they were showing a much lower balance. Caliber Home Loans now claims to be servicing the loan for some XXXX Master Participation Trust which is just an Agent allegedly pertaining to XXXX XXXX. They securitized my loan and did not send me a copy of the IRS filing documents as requested in the following letter to them. 

CALIBER HOME LOANS XXXX XXXX XXXX MASTER PARTICIPATION TRUST ( AGENT ) XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, ET AL Dear Sirs : We attach a copy of a Court Order and this Qualified Written Request ( QWR ) for an accounting of the loan you are alleging to be servicing on behalf of Fannie Mae. We would like a complete accounting and a copy of the cancellation of debt when the note was securitized filed with the IRS form per 26 USC ss. 108i from the Trustee, Trustee Corps for our Attorneys as stated below : This is an IRS form that servicer trustees must file who put your mortgage into a stock pool. 

Please use my cusip number ( s ), to prove that I didn't sign a mortgage but an investment contract that I was made an accommodation party to but not a participant. 

Did you sell these unregistered securities and are in possession of contraband. 

Also there should be Cancellation Of Debt ( COD ) when the mortgage Security was converted to a stock ( 26 USC ss. 108i ) ; Did it make it into the REMIC?

Thank you and we wait your reply. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX ( XXXX ) XXXX Encl./ Court Order from Federal Bankruptcy Court
Product: Mortgage

XXXX XXXX XXXX ( under XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX orchestrated a fraudulent mortgage assignment on my property XXXX XXXX XXXX, XXXX, PA XXXX. This assignment was recorded on XX/XX/XXXX, the XXXX XXXX XXXX and XXXX Legal Title Trust, by XXXX XXXX XXXX XXXX both " Pooling and Servicing Agreements '' would have expired. There is a cut-date for ALL securitized trust. 

As a result, all entities violated Pennsylvania Law for Mortgage Assignments, TILA, RESPA, FDCPA, and leaving the consumer with a clouded title due to the numerous deceptive assignments.
Product: Credit reporting or other personal consumer reports

Request a copy of credit report there were accounts that didnt belong to me so I contacted my bank to have they freeze all my accounts until further notice
Product: Credit reporting or other personal consumer reports

I recently noticed after disputing account with TRANSUNION, that the accounts came back inaccurate again. I am filing to have TRANSUNION commence a reinvestigation regarding some accounts I originally disputed. The accounts I speak of are incomplete and violate 15 USC 1681e ( b ).
Product: Bank account or service

Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from my credit file.
Product: Checking or savings account

Chime bank closed my account for no reason. they said they determined that account activity was not in compliance anymore and they have decided to end the relationship. 
closed my account and locked me out of everything. 
this was the only access too any money I had, I am currently unemployed and with them closing my account leaves me with 0 access to any money I cant even buy food for me or my animals now. 
I did nothing wrong. I do not have any other accounts with any other financial institutions they have drastically impacted this situation, I can't pay any bills and they said if anything i may be able to get my funds from the closed account in approx 6 to 8 weeks. 
which I am not able to be without any money for over 2 months. 

Every time i reach out they say i have to email their support team which i do and they refuse to give me the exact reason why they closed my account and when i ask for my closure check to be expedited due to my situation they have put me in they stop responding and ignore me every time I send an email.
Product: Credit reporting or other personal consumer reports

Deletion of account immediately due to inaccuracies
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I was robbed the incident report number XXXX R report number XXXX All of my information was stolen, birth certificate, Social Security card ID they ran up my credit and i stole money out of my bank account these companies have bought my debt and now come after me for the money which the account was closed because of the robbery two accounts for Midland Credit and XXXX XXXX XXXX
Product: Credit card

Citibank denial me access to my credit. Despite XXXX Citibank customer service rep telling me its Citibank 's credit they are lending ; I would like to draw your attention to the case law that supports my claim. In XXXX XXXX of Commerce v. Atkinson ( 55 E 471 ), it is established that a national bank can not lend its credit or act as an accommodation endorser. Similarly, the case of XXXX XXXX XXXX of Tallapoosa v. Monroe ( 135 Ga 614, 69 SE 1124, 32 LRA ( NS ) 550 ) affirms that while a bank can lend its money, it can not lend its credit. As per the provisions of the Equal Credit Opportunity Act ( 15 USC 1691 ), Regulation B ( 12 CFR 1002 ), and the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ), I believe that your denial is unjustified and may constitute a violation of federal and state regulations regarding fair access to credit. Denying me access to my credit without proper justification may constitute violations of the Equal Credit Opportunity Act, Regulation B, and the Pennsylvania Fair Credit Extension Uniformity Act.
Product: Credit card or prepaid card

I got XXXX Credit Card through a purchase of my new vehicle on XX/XX/2022. Every month I make a payment there is XXXX. I cant login or once they said they didnt get my payment and I paid 2 weeks in advance. Its impossible to login to there site. They want you to go paperless. So when you go paperless you cant get I touch with no one on the phone. This bank deal with poor people or people whos credit is less then perfect. Its so frustrating dealing with them. They dont seem to care about the people. Its like they are trying to make the people fail or fall behind. Were trying to rebuild our credit. I wish to XXXX I could pay them off and never have to deal with them again. I supposedly have rewards points. I tried redeeming them but it can only be done online. Its a catch 22. If I cant get online how do I redeem these mysterious points? 
There are other credit card websites which run more smoothly. This Comenity Bank makes me want to quit. I know Im not the only one. Is there any help? Is there a faster way for me to pay them off. Seriously. No gimmicks.
Product: Checking or savings account

Theft from a Chase Bank Account occurred and so far Chase Bank has been less than willing to correct the errors. The theft is in excess of {$69000.00}. 

The theft occurred against my brother 's bank account after his death on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my cr
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