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

The following fraud checks were written on our business checking account at XXXXXXXX XXXX, the checks had our incorrect zip code on the fraud checks. # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX # XXXX {$1900.00} cleared bank on XX/XX/XXXX There was another check that came to the bank after these checks but the bank send that check back as a fraud. We first called XXXX XXXX on XX/XX/XXXX to report the checks sent through our account were not our checks. We were advised to come to the bank the next day to sign an affidavit. We went to XXXXXXXX XXXX  on XX/XX/XXXX to complete all the necessary paperwork, we were advised on that date that we would be reimbursed for the money taken out of our account but was told it could be several weeks. On XX/XX/XXXX we received an e-mail that in order to be reimbursed we would also need to file a police report. We filed the police report on XX/XX/XXXX. We received the report from the police station on XX/XX/XXXX and submitted it to XXXXXXXX XXXX  at that time. The checks were cashed at a Bank of American in New York. XXXXXXXX XXXX  has advised us that Bank of American has not refunded the money to XXXXXXXX XXXX, therefore we have not received our funds back in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit score went up 12 points on XX/XX/2020 and then suddenly dropped by 24 points two days later on XX/XX/2020 although my credit report did not change during this time, and Experian provided no answers. 

I saw this on my credit alerts on Sunday XX/XX/2020 and called Experian on Monday XX/XX/2020 at XXXX to ask what could have caused the sudden 24 point drop. Experian Representative XXXX said she can not explain it, she can only compare my XX/XX/2020 credit report with my XX/XX/2020 report and see that nothing changed except my credit card balances decreased, which should generally help my score, not hurt it. XXXX said Experian can not give any specific information about the 24 point drop. XXXX said my Experian member ID is XXXX. I asked to speak with a supervisor, who also said she can not explain what might have caused the 24 point drop. She said " Experian can not confirm or deny '' the reason why my score dropped 24 points during a time when my credit report didn't change. 

CFPB Representative XXXX said on XX/XX/2020 at XXXX that Experian should have an explanation, when such a significant score change happens during a time when the credit report didn't change. 

In addition, there can be no new harmful inquires on my credit report during this period in XX/XX/2020, because from XX/XX/2020 to XX/XX/2020, I initiated a freeze and fraud alert on my credit report with the three credit agencies, Experian, XXXX, and XXXX. Two hard inquires were successfully removed in XX/XX/2020, which is a good thing. The resolution in XXXX should help, not hurt, my XXXX score. And although I always paid my bills in full each month, I started paying down next month 's credit card balance proactively, which the credit agencies ' FAQs all say should help, not hurt, my score. 

If anything, my score should be better than before, not worse. Please explain the score drop. Thanks.
Product: Money transfer, virtual currency, or money service

On XXXX 2020 I had an IRA/CD mature with BMO/Harris Bank   located at XXXX XXXX XXXX, XXXX , Illnois XXXX in the amount of {$22000.00}. It had a 10 day grace period before it was rolled over. The branch managers name is XXXX. 

On XX/XX/2020 I went to close the account and transfer the money to an IRA/CD account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX supplied BMO/Harris with the required IRA/HSA transfer request on XX/XX/2020. 

I was told by XXXX that they could not present me with a check that day and that their IRA Dept. would have to be the ones who would mail a check to XXXX XXXX XXXX XXXX XXXX. 

As of XXXX, 32 days since I've closed the account the money has not yet been transferred. 

After many calls to XXXX at BMO/Harris, who I would like to add has been as helpful as she could be but seems stuck in the middle of this, she referred me to her supervisor, a XXXX XXXX. I have sent three E-mails requesting a call from XXXX XXXX and none have been returned or replied to. I also filled out a complaint form on BMO/Harris website but have not heard anything yet from them. 

I was also informed by XXXX XXXX would not be paid any interest on the money they haven't released to me.
Product: Checking or savings account

Wells Fargo after 9 years decided to close our account because a customer alleged fraud. They said it was going to be closed XX/XX/XXXX, yet here on XX/XX/XXXX, without being able to put money in the account, its going to go negative. They keep saying there are " pending transactions '' but that just is not true, there have not been pending transactions for a month straight, they are REFUSING TO CLOSE THIS ACCOUNT. Its like they are trying to get it to go negative. I want this on the record with as many sources as possible as there will be a Federal lawsuit eminent if it continues.
Product: Debt collection

LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Has added a collection account to my consumer credit file which dropped my score XXXX points and stopped me from buying a home, and they are not licensed to collect any debt in my state of Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile
Product: Mortgage

The response to my first complaint was that someone was going to reach out to me. After I sent XXXX emails to XXXX XXXX they said they would ask someone to call me. I found out that XXXX XXXX reached out to the people I was already working with to rectify the loan. They were not helpful. My current interest rate with NewRez for the refinance is expiring and rates are increasing. Since my first complaint XXXX more tasks were added to my task list. My tasks were done XXXX weeks ago.
Product: Credit card

American Express is in violation for denying my credit application. 
ref # XXXX I applied for a credit card with American Express and was denied. That is a violation of Title 15 USC subsection 1611 which states- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

The entire consumer transaction is predicated on my unlimited credit. This is false and misleading denial of my own credit. I stated that I conditionally accepted their offer upon proof of claim that American Express have the right to reject my application and I needed to see the factors that went into their decision based on LAW, PUBLIC AND PRIVATE!

They stated they could not give it to me.

I completed a credit application, bearing my signature, seeking an exchange of credit. However, my application was denied, and I am uncertain of the reasons behind this denial. I am FULLY aware that my credit application, with my signature, will be securitized and sold to third parties. 
Referring to the Indentured Agreement between American Express and XXXX XXXX XXXX XXXX  XXXX, it is established that the securities are assets protected in a trust. Notably, as per the 2018 granting clause in the indentured agreement, " the security interest in the collateral is granted to secure the notes, equally and ratably without prejudice, priority, or distinction between any note by reason of difference in time of issuance or otherwise, except as otherwise expressly provided in this indenture or in the indenture supplement which establish series ... and to secure the payment of all amounts due on such notes in accordance with their terms. '' It's clear that the security interest in the collateral is granted to secure the note, and my application, bearing my signature, is a promissory note. 

Considering that my application was securitized, thereby establishing a security interest, I anticipated the extension of credit. A security was provided for the credit, and I respectfully request that American Express reconsider and extend the credit accordingly. 

According to the Third Supplemental Indentured between American Express and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, treasurer signed For American Express and XXXX XXXX XXXX signed for XXXX XXXX. 
The address to American Express according to the Indentured agreement is XXXX XXXX XXXX XXXX XXXX NY XXXX and the address to XXXX XXXX is XXXX XXXX XXXX XXXX XXXX NY XXXX. 
I will be reaching out to both the Treasurer of American Express and the Trustee bank, XXXX XXXX, that holds the assets in the trust.
Product: Credit reporting or other personal consumer reports

Equifax Llc Credit reporting agency has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX
Product: Debt collection

They repeatedly keep XXXX calling and spoofing their caller id, contact my references telling them im delinquent and give private information out and threaten with other tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX and spoke with the supervisor and explained that I have sent 6 letters, within that 3 have been certified, and have not received a response. Before these letters, I have submitted at least 2 disputes in deleting the chapter XXXX bankruptcy that should not be reporting on the Transunion credit report. 

The 3 tracking numbers that I have is XXXX XXXX and XXXX ; Transunion states that they have not received any correspondence from me since XXXX. 

I have told the representative from Transunion that the bankruptcy should not be reported because the bankruptcy was NOT voluntarily dismissed and does not meet their internal guidelines and also the FCRA. Also, XXXX  and XXXX  have determined that this should not be reported and have removed them from their reports. 

Below is an excerpt from https : //www.transunion.com/customer-support/faqs/credit-basic : Bankruptcies : Generally, bankruptcy and dismissed bankruptcy actions remain on file for up to 10 years from the date filed. A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. A voluntarily dismissed bankruptcy remains on your file for up to XXXX years from the date it was filed. The actual accounts included in bankruptcy remain on file for up to seven years from the date of closing/last activity regardless of the chapter pursuant to which you filed. 

They should be following the FCRA and their own policies ; this needs to be resolved.
Product: Credit card

Last year, I applied for the citi at & t access more card credit on the citibank 's website and got approved. On either their website or the card agreement I received, it is clearly stated that I will earn a annual bonus of XXXX thank you points if I spend XXXX dollars in the previous year. On XXXX XXXX, I called to check in how I am progressing in getting the benefit and when my next reward period starts, the representative told me, she told me she saw this as a one year promotion ending in XXXX and said that this is just a one year thing and would not happen again in the next year. 
I asked to speak to a supervisor to check in what has happened because the representative said that she could not tell me more, while being totally shocked about this. I stayed on the line with her for about one and half hour to get transferred but she told me that the supervisors became to be unavailable from available because they were taking calls from the new costco cards customers. Afterwards, I contacted the customer service through online chat, and I got the same answer ( conversation enclosed ). I was so disappointed that they made such a discrimination here and about the way they lied in their marketing materials. I am considering this to be a fraud. I spent two and a half hour on this but am still not clear what is happening. 
If it does not get resolved soon, I will probably take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America allowed for a credit card to be opened as a result of identity theft in my name. Bank of America was notified about the credit card and checking accounts and never did anything about it. 

Bank of America was included in my bankruptcy chapter XXXX case filed XX/XX/2021. This was filed due to battling identity theft for so long I could no longer battle it. The card is discharged yet Bank of America still reports it as charge off owed debt. This is no longer collectible and the credit reporting should be updated. Also why am I listed as a bad customer because a thief opened checking accounts without my authorization? Also you said you linked the Bank of America checking to a XXXX XXXX  account in the past. That XXXX XXXX  account was also identity theft and has been closed as such. So that does not trace back to me. You can speak with them about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted XXXX XXXX, because XXXX XXXX XXXX was XXXX for taking advantage of consumers and so was XXXX XXXX  in XXXX. Then XXXX XXXX turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that XXXX XXXX was out of XXXX compliance and and the collection agency disappeared, then XXXX XXXX  surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact XXXX of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from XXXX XXXX why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against XXXX XXXX of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a Walmart credit card in response to an offer for a {$100.00} statement credit when opening the account. I used the card and credit to buy a bicycle for my daughter. After the {$100.00} credit was applied, I paid the balance off within a couple months and never used the card. This particular account is showing closed on XX/XX/XXXX and having a last payment date of XX/XX/XXXX. 
I believe this account was sold to another lender/servicer and was transferred over around this time. When the account was transferred, a new entry was created on my credit report. This new entry for an account with Synchrony Bank/Walmart DC indicates it was opened in XX/XX/XXXX. This account also shows it is closed with a {$0.00} balance, but it has a 30-day late payment in XXXX of XXXX. This is not correct. I have only had one credit card with Walmart and I paid it off within a few months. 
I have disputed this twice with XXXX  and XXXX as recently as XX/XX/XXXX with XXXX. The dispute report indicated that the information was verified as accurate. XXXX provided me with a phone number to call to dispute with the credit card company. Synchrony Bank/Walmart DC XXXX XXXX XXXX XXXX. After waiting on hold for an hour, I finally connected with someone at this number. They told there is no record of this account on their system. They suggested I call XXXX. They said the account had been sold to XXXX. They gave me a number for the XXXX Walmart servicing division. I called XXXX and they said they have no record of this account their system. They suggested I call the Synchrony Bank Walmart Master Card division and provided me a number. I waited 1.5 hours on hold before being told that this account does not exist in their system. After insisting on speaking to a manager, I was told by a manager that they could see that I had accounts at one time, but had no information on the accounts. Basically they had no suggestion for what I should do. 

I called XXXX to ask to be connected directly with the company that verified the information to be accurate on my credit report. I was told by XXXX  that they can not do that. They told me this was done electronically and there was not a person with whom I could connect. XXXX  said I could dispute it again, but I don't really want to do the same thing a third time. That is insane. 

When speaking to a manager at XXXX, we discussed how this account may have been created. I believe it was created when an old account was sold to another credit card company. The Synchrony Bank/Walmart DC account showing a 30-day late  payment is not my account and I believe it to be fraudulent created. That is the only explanation. I don't understand why a card company would sell a closed {$0.00} balance account to another company. 

I have no way of getting this corrected on my credit bureau and it is impacting my credit score. I work very hard to keep my accounts current and it is extremely frustrating to be so helpless in this situation. 

I just want to get this corrected and off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX CO XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

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

wednesday XXXX XXXX XXXX XXXX XXXX 
spoke with 2 individuals form XXXX XXXX XXXX XXXX. 
in regards to a account that they had purchased from a differint company, Gentalman whos name I have on hand refused to answer any questions I had asked. continuously spoke over me and insulted me. 
told me that he does not have to verify and validate any of my questions, and demanded I pay the account. 

I asked for validation of my consent to owing the comapny a debt, and if they have a electronic and or hand written signature from me agreeing to pay them. 

the gentlman said he doesnt have to prove anything and that I should just pay the bill. 

I also asked if the debt was purchased by his company? again to imply I do not owe anyone of the collections company and any of its subsidiaries any money. 

the gentlman again told me that im XXXX and became verbally aggresive and then repeated himself several times to pay a debt. 

when I informed him that his actions are out of line and abusive, he hung up on me. 
XXXX XXXX XXXX 

I called back the company number immediately and the gentleman picked up the phone, and set it next to a t.v.. refused to answer. 
waited 20 seconds. and hung up on me again.. 
XXXX XXXX XXXX 

I called again for the 3rd time immediately, and got ahold of a lady at first, informed her of her associates behavior and that I would like to file a formal complaint. 
before I was able to get to file a complaint I verified my informationas to who I am. 
I did request that upon the completion of our phone call I would like a copy of the signed contract between me and the company that I owe them a debt., she refuesd and told me that not how they do things there. 
then I requested for information on whom did they aquire the debt from? and if it was purchased or a partnership? 
the lady said we cant do that. 
then proceed to ask how I want to [ pay for a debt. 
I refused when I heard attitude and anger in her voice, and asked her I would like for communication to be done via writting, and that I need a copy of the aggrement that show a signature from me to them. 

the lady hung up on me. 
XXXX XXXX XXXX 

names of the associates can be given upon request and copy of notes
Product: Credit card or prepaid card

I was sent a credit card from CashApp that I did not apply for. I have to activated the card. I reached out to CashApp & spoke with a rep ( XXXX ) to report the fraudulent card. He sent me a questionnaire to be able to look into this further.
Product: Bank account or service

XXXX Financial Abuse from Checking, Savings and CD, Manipulation of funds, disregard for Customer complaints policies and procedures. See attached