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

Hello, Wells Fargo closed all of my husband and my savings & checking accounts without any notice - removing all access to our funds. As a result, we were left with no cash for a period of 2 weeks. This also caused all our outgoing monthly payments to fail and other incoming deposits to get returned. They sent us our checks 1 week later. We had to go through the process of reopening new trust accounts to deposit the checks and had to wait another 6 days for the funds to be available in our accounts due to XXXX XXXX XXXX long weekend. We were left penniless for nearly 3 weeks with little kids during this period despite having 10s of thousands in the bank accounts. 

Now, I seem to be going through this process all over again with my investment accounts. 

The bank had requested me to confirm my identification 4 weeks prior to closing the accounts. I went into their branch office and provided my passport, green card and driver 's license. They scanned it all, and even notarized it before uploading it to their systems 2 weeks before the due date. 

Following, this, I have gone into the branch at least 6 times to submit the same documents. I want to request you to take action against the irresponsible behavior of Wells Fargo that has created such hardship and inconvenience to my family and me. 

I appreciate your support in advance. 

Much thanks, XXXX XXXX
Product: Debt collection

{$700.00} owed on a debt I did not originate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Captial one auto financial. Company has been abusing reporting on my credit report. They take three months to report good things on my credit. They instantly report bad things on my credit. I notice this in XXXX when I went to look at a new car. Car company ran my report and capital one 3 month behind. I had just paid then XXXX dollars. My car payment is XXXX a month. I called them and paid additional money on my account XXXX. Then I notice that my credit report was not changing. I called and asked them how can I get out of this loan. I informed them that I no longer want to be with this company with a loan. I was told that I had to pay the whole thing. I told them that I could only pay XXXX in XXXX. They told me that my account would be current. Next thing i know the called saying i owe them XXXX. I said I just paid XXXX. They told me that only counted for one month. I told them I was not behind. I was paid up the account. They never honored my XXXX  payment. Now they saying I am behind 2 months. However, i would like to know where the XXXX   went on my account .my credit score was XXXX and they have taken it down to XXXX. This is unfair practice.
Product: Checking or savings account

My account was closed because they said suspicious deposits. The ending balance was XXXX back in XXXX I got in contact with them due to the large sum of money this year in XXXX and they told me the funds was sent to the states unclaimed property but there is no property for me to claim from Chime financial.
Product: Debt collection

I have contacted equifax and have advised them that I am a victim of identity theft and have sent over a police report for the ongoing investigation involving XXXX XXXX sheriff 's office and atleast 1 person in question as a suspect in taking out loans and other debt in my name without my authorization. The debt from XXXX energy is a result of identity theft and does not belong to me I have contacted the company and have not gotten a response from this company with any evidence other than a itemized bill that could substantiate that this debt indeed belongs to me.
Product: Money transfer, virtual currency, or money service

I need to link my PNC Bank account to XXXX ( stocks/investing ) but I keep getting an error message that will not allow me to link the account. I have already spoken with someone at PNC Bank and they do not see any issues on their end that should prevent me from linking my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX Dear Sir/ Madam Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Social Security XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this since XX/XX/XXXX Under 15USC 1681c-2 these items must be removed. They stating I have a litigation that been dismissed since XX/XX/XXXX.
Product: Credit card or prepaid card

on XX/XX/2022 I had submitted a complaint regarding Bank of America Business Credit Card Application # XXXX being denied. That CFPB complaint number was XXXX. This bank now has attacked me personally by closing out my personal credit card ending in XXXX through retaliation due to the prior CFPB complaint done on XX/XX/2022. The reason ( s ) listed are bogus and are a cover up just to cover up thier XXXX from any litigation or lawsuit. Its pretty obvious that this bank has retaliated in an effort to " get back at me " for the previous complaint. In regards to retaliation, Bank of America has been sued by many consumers and previous employees for employment and credit retaliation. This is public record. Bank of America needs to be investigated for this illegal act. I am going to take legal action against the Bank because I have had enough of thier XXXX. Please note, I am going to purse for {$5.00} million in damages that are unethical and demand my credit card be re-opened with the same credit limit. I further will sue you for an additional {$1.00} million due to the negative impact your going to leave on my credit report. It will show a closed account done by the credit grantor. Your not going to start damaging my credit score, and credit report with your nonsense. You had no valid reasons to close my account. The account wasnt even open 60 days and always carried a {$0.00} balance. All actions, i have mentioned in the complaint, are going to be pursued and i can promise you, i will see your XXXX in court.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies such as XXXX, XXXX, and Experian, along with the Financial Institutions XXXX XXXX XXXX and XXXX XXXX have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX XX/XX/year> Credit Collection XXXX XXXX XXXX XXXX, MA, XXXX Subject : Request for Debt Validation Account number XXXX Dear Credit Collection, This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Representative, on XX/XX/XXXX or XX/XX/XXXX I requested an increase on my store macy 's store credit line. I was told to wait over the phone and they came back and said that I was declined. What they did not told me was that they access my XXXX   without my consent or let me know that it my be possible to do that. I will never accept that without knowing whats happening. I would like that any hard inquires to be removed from my XXXX that was made between XX/XX/2019 to XX/XX/2019 that was made by : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX As a side note, today XX/XX/2019 I requested an increase on my Bloomingdale 's store card ( DSNB   BLOOM, Contact Information XXXX XXXX  XXXX XXXX, OH XXXX ) and representative told me that It'll be a hard inquiry. In my humble opinion, how is it possible that customers to be told that there it'll be hard inquiry or not telling you at all? 

I would like any hard inquires to be removed from my XXXX  credit report made between XX/XX/2019 to XX/XX/2019 made without having knowledge by MACYS/DSNB   XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Thank you
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS IN MY RECORD FOR ORE THAT 7 YEARS THIS IS ILEGAL ACCOUNT : XXXX XXXX
Product: Mortgage

there some miss management on my loan, my loan was, with XXXX XXXX, then XXXX XXXX, and then, GMAC, then Owen loan servicing now. i have try to get help and all they are doing is working to take my home. i file a complaint with XXXX XXXX office here in XXXX and at that point they being trying take my home, i also went to a hub Offfices and they Still refuse me help FOR MODIFICATION, i put in for the hard hit and the refuse that. at this point in and very thing i put in for they deny for help, i am XXXX  and can not work and the refuse Everything to help me on my house, THEY TOLD HARD HIT, THEY WOULD NOT TAKE THE MONEY OR I DIDNOT QUALIFY, FOR ANYTHING THAT WILL HELP ME, TO SAVE MY HOME, I HAVE FILE CHAPTER XXXX, SO THEY WOULD NOT TAKE MY HOME, AS, I AM XXXX., I FILL DISCRIMINATE ON., MY LAWYER GAVE A CONSENT TO WORK WITH ME AND THE HUD COUNSELOR AND VERY TIME SHE OR I CALL THEY SAY THEY CAN NOT TALK TO COUNSELOR, OR ME, I JUST HAD TO FAX THIS PAPER AGAIN TODAY XXXX, WHEN IT WAS ALREADY FAX 'S OVER ABOUT TO MONTHS AGO.
Product: Credit reporting or other personal consumer reports

I found out that my direct deposit had an issue on XX/XX/13 -4 days after. It was established by XXXX XXXX after an hour on the phone with Capital One 360 that I personally did not place a stop payment on it, that the payment did not hit the bank acct at all. I then made another payment to the card through their site and again it came back to me. On the XXXX I used my debit card and it went through ; however, capital One sent to the credit bureau that I was late and it dropped my XXXX XXXX points! Im trying to buy a house. I wasnt even late on the payment as there is a Grace period and the issue was with the credit card. I then contacted the card again-Bell gave me yet another reason why and now says she created the case to report the correct information. I dont know what the problem is with this card but this needs to be addressed properly and promptly.
Product: Credit reporting or other personal consumer reports

Ive found unauthorized inquiries on my credit report, which violate 15 USC 1681c-2. These errors are harming my credit. Please remove all hard inquiries I did not approve.
Product: Credit card or prepaid card

All XXXX XXXX XXXX cards information has been off line thru the Internet or Customer Service Associates for 5 days. They advised this could take weeks. A Company called XXXX is taking them over. In the meantime, I can not see my correct balance on any cards, or any transactions or credits. This is with XXXX XXXX, XXXX XXXX, XXXXI can not budget correctly without knowing my transaction history.
Product: Checking or savings account

It all started on XX/XX/2023. I filed a claim with Chime about unauthorized transactions. They gave me a total of XXXX in which multiple atm fees were not included. They said the time frame was 10 days to receive a provisional credit and up to 90 days for the investigation. My case was closed out within 5-7 days excluding the weekend. I called them back when I got the alert and told them they could not have done an investigation on my behalf due to the time frame the dispute was closed. The rep then entered a rebuttal ( reluctantly ) and stated I would have to wait an additional 10 days. I waited and a provisional credit was given. They closed the case shortly after and waited until my account showed a substantial amount so they could charge the provisional credit back to me and then debited my account. Once I found out I called them again and opened up another rebuttal after seeing the information they provided. This time I was assured my claim would be processed as I was told but when I called them no record could be found. The reasoning was so vague and incorporated the same info I gave them in my initial claim. So I called again, spoke a floor manager in which filed another rebuttal. I have talked to 2 or 3 floor managers and they all just want me to get off the phone and not handle my issue. Each time it is 10 days, so I have been waiting for 40+ days for them to do a proper investigation. It would be more for me because I count the weekends. I have been with them 4-5 or more years and never filed a claim! Enough is enough and I want my money back asap!! The dates and claim # XXXX filed is XXXX XX/XX/2023, another date in between in which they did not want to give me per the reps that answered my call. A floor manager stated the next was XXXX on XX/XX/2023, XXXX on XX/XX/2023 and used the initial dispute # under the third time claimed which is the 4th or 5th being XXXX on XXXX. No # XXXX came like this before with indicates they are alerting someone to my issue! Please help me in recouping my funds as I do not want anything to do with this company again and i will be alerting all my friends and family about them not having support once fraud or whatever issue they face!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, XXXX, Experian ) Original Creditor : XXXX Account Number : XXXX Account Name : XXXX XXXX ( XXXX, XXXX ) Account Number : XXXX
Product: Credit card

XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a promotional letter from Synchrony Mastercard saying I was pre-approved their new credit card, featuring 2 % cash back and {$150.00} account credit if I spend over {$1500.00} within the first 90 days of account opening. I replied online since I deemed it's a good deal. Yet after over a week 's wake, I received a call from Mastercard company asking about why I wanted to apply for the card, they needed some credentials, I told them I was simply replying to the synchrony 's promotional offer, then due to that delay and the planned trip that took place on XX/XX/XXXX -- I checked my mail box every day before the vacation trip to New York for XXXX, so that I can use the card during vacation. It didn't arrive prior to my departure ( XX/XX/XXXX ). When we returned on the XXXX, I then located the approved credit card in the mail box, activate it, and started using it. 

I spent over {$1500.00} during the first 90 days once I activated the card, but received no {$150.00} account credit. I contacted synchrony, multiple times, first they said the 90 days starts when I first responded to them, I then explained that I got an extra call from Mastercard company and I couldn't activate my card, on XX/XX/XXXX, they sent me an email with an attached letter saying that the account credit would appear on my account within 1-2 billing cycle, but since then I still received nothing. I contacted them again by the end of XXXX, they said they did not know how the " reward department '' handled it and I had no way to contact them. Therefore, no reward as they claimed so far.
Product: Mortgage

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon on XX/XX/2019. Recently I have faxed and mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : # # # # # # XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.