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

I inherited a small Bank of America IRA from my mother ( {$730.00} ) when she XXXX XXXX earlier this year. I called Bank of America on XXXX/XXXX/XXXX at XXXX a.m. to inform the bank that due to extremely poor customer service in helping me settle my mother 's XXXX, that I had no intention of maintaining the inherited IRA with Bank of America. I was told by the bank of America representative that I had no choice, but to complete the bank 's paperwork before I transferred the IRA to another institution. I followed their instructions and completed a " Distribution Election '' form and mailed the form to the bank. I received a confirmation from Bank of America that the inherited IRA was set-up on XXXX/XXXX/XXXX. At that time I completed transfer paperwork to have the IRA transferred to another institution. When I received the confirmation from the new institution, I noticed that the value of my account was {$50.00} less than the {$730.00} from my XXXX/XXXX/XXXX Bank of America statement. I was told by the new institution that Bank of America charged a {$50.00} fee. I called bank of America and was told that the {$50.00} fee was an account closure fee. I explained to the representative that when I spoke with Bank of America on XXXX, that this fee was not disclosed. I checked the only paperwork I signed and there was no disclosure for an account closing fee. I asked the representative to refund my {$50.00}. He said he did not have the authority to do so. I asked to speak with his supervisor and was on hold for over 15 minutes. The supervisor never got on the phone line. Since the bank never disclosed the {$50.00} fee ( 7 % of the account value ), I feel they should refund the {$50.00}. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to report about me to any XXXX party, and I have a right to privacy which is attached to this complaint. 
Equifax XXXX XXXX and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ).

U.S. SUPREME COURT RULING- NO CORPORATE JURISDICTION OVER THE NATURAL MAN.Penhallow v. Dane 's Administraters ( 3 U.S. 54 ; 1 L.ed. 57 ; 3 Dall. 54 ), A corporation can neither practice law nor hire lawyers to carry on the business of practicing law for it.

( People V. California protective Corp'n, 76 cal app 354, 244 pac. 1089 ) I, the alleged debtor, the federally protected consumer, a natural living being of majority status, and not an infant/minor will also Subpoena an IRS 1099 Compliance Audit from Debt Buyer, Debt Collector, Original Creditor and any Party in Interest of the alleged debt if litigation is required ( DBA v Snow, 2006 ).

Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
Identity Theft Report Power of Attorney, XXXX Notice, Fee Schedule Opt Out Notice ( XXXX ) Name Copyright Passport Card Invoice
Product: Debt collection

Capital one Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

c/o Lead Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention XXXX XXXX XXXX XXXXXXXX XXXX Enclosed & Attached- Lead Bank/Self Annotated Member Agreement- Please Address Each Section Highlighted Exhibits Of Late Payments From XXXX XXXX & XXXX XXXX XXXX XXXX Power of Attorney Document Self Support Case XXXX, XXXX, XXXX, XXXX, & XXXX Page XXXX Under Lead Card Member Agreement Under Subsection Governing Law : This Agreement is governed by the laws of the State of Missouri, except that the Waiver of Jury Trial and Arbitration Agreement is governed by the Federal Arbitration Act ( " FAA '' ), 9 U.S.C. 1-9. If any provision of this Agreement is held unenforceable, including any provision of the Waiver of Jury Trial and Arbitration Agreement, the remainder of this Agreement will remain in full force and effect. 

The specific late payment in question, which is reflected in my account records, does not comply with the prescribed timelines for processing payments under the law. I request that you promptly review the relevant records and adjust the principal, XXXX XXXX payment history accordingly to reflect accurate and lawful reporting PER Federal Law 15 U.S.SC. 1666b. Opt Out : Per Federal Law, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, XXXX XXXX XXXXAuthorized Representative here on behalf of /principal. I Herbey XXXX : XXXX accepts all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct you to apply the Principals Balance to Principals Account Number : XXXX + Account Number : XXXX Account # : XXXX - Loan # : 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 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  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 instruction.

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 conviction 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: Credit card or prepaid card

I received a XXXX in XX/XX/2016for the account XXXX with Wells Fargo. The identifiable code listed states that collection will discontinue and the account cancelled from the creditor. I was contacted by Wells Fargo on XX/XX/XXXX and informed that they would not sell the account and would cease all collection activity. I am in the process of purchasing a home and due to the balance listed on the account it is making my process extremely difficult.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Re : To correct/update my personal information To whom it may concern, Please see the attached My only legal name is XXXX XXXX XXXX XXXX. 
My only mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL My only social security number is XXXX My only phone number is XXXX Please remove and correct all other variations of the above information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX that you have on my file for me at your agency because if not I may be Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

recieved summons of suit for unverified and disputed credit card balance despite ban of such suits during state of emergency.
Product: Credit card

Back in XX/XX/2022, there was fraud done in my account. That was fixed. I called in XXXX, to make a payment on the whole account. They told me I had cash back of {$760.00}. I told them I did not want the cash back due to being from the fraud that was done. I did not want it to came back afterwards towards me. They told me the cleared the cash back. ( I dont have access to this account portal since XX/XX/2022 ) End of XXXX I received a statement that I owe {$1300.00}. Keep in mind my balance should be around {$800.00}. They told me that was from cash back that was added toward my account they dont know why. They have done 2 disputes. They tell me they will contact with me I have not heard from this was since XXXX. My last statement says {$320.00}. They transfer to different departments. No one is able to tell me about my account or help. They only make a claim dispute but does not go under my favor. Last call they transfer me to Apple Cash they can see it was transferred to Apple Cash ( but I dont have access to that Apple ID Due to being change from the fraud. They know the email they have in file is not mine and they say they send documents to that email. They are violating my privacy. After multiple time telling them I dont have access to the email. I need help. This is un fair. If it was a transaction I did I would understand. They tell me I have two late payment which I have called every month to get it fix they said my account is under investigation, to not worry about the payment. Now, they say I have 2 late payments. This is messing my credit score before all this it was perfect now it have drop to much. Please help me or guide me to what to do. I will attach the statement they have sent me.
Product: Debt collection

I emailed XXXX XXXX multiple times requesting verification of the amount owed to XXXX. They are requesting {$510.00}, but I have an email from XXXX stating I only had one payment left of {$97.00} that was sent on XX/XX/2019. I offered a settlement prior to finding the email about only having one payment left, and then I rescinded the offer once I found the email. XXXX can not or will not tell me how they calculated the {$510.00}. He did respond recently stating his client states the email only states how many payments were left not the balance which makes no sense. The email says 1 payment left of {$97.00}.
Product: Money transfer, virtual currency, or money service

I was took advantage of with my cash spp. Someone took {$200.00} from fraudulently from my account and cash app didnt help me recover my money
Product: Credit reporting or other personal consumer reports

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  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Mortgage

Nationwide Biweekly stopped servicing the " Interest Minimizer '' program. I asked for a refund since they are not providing the service anymore and I only used the service for 1 year of the 25 years that the program should last. They have said several times that they will provide the service again but they do not do it. I have been asking for a refund for about a year and they do not pay any attention to my claim. They just answer that they will provide the service in the future but they do n't.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX, I made a hotel reservation for XX/XX/XXXX - XXXX, XXXX using my Capital One credit card. The cancellation policy merely stated that there was free cancellation prior to XX/XX/XXXX. Due to the Coronavirus pandemic, I cancelled the reservation, and received acknowledgement of the cancellation on Monday XX/XX/XXXX at XXXX XXXX. I did not hear anything further or see my account credited, so I emailed the company on Wednesday XX/XX/XXXX at XXXX XXXX asking " can you please let me know when I can expect to see my account credited ''. On Wednesday XXXX, XXXX at XXXX XXXX, I received an email back that said, in summary, that my cancellation was free of charge and verified, and that due to high cancellation rates and bank limits on the daily refunds, that the processing of my refund would be delayed. This was alarming as it indicated that they were out of money and I might not receive a refund, so I opened a dispute for the charge of {$470.00} with Capital One. After filing the dispute, the company emailed me on Wednesday XX/XX/XXXX at XXXX XXXX saying that they would give me a credit good until XX/XX/XXXX and a promotional code. I replied that a credit wouldn't work for me and let them know that I had disputed the charge. The company responded to the Capital One dispute with only the communications dated the XX/XX/XXXX and charged back my account on XX/XX/XXXX. I followed up per the notification by Capital One and uploaded the detailed email exchanges between myself and the company detailing the original purchase, the cancellation policy listed in the purchase which was the only information provided to me at the time of booking, my request for account credit, their response that it was delayed, and then their final response offering me store credit essentially. These documents were uploaded with the Capital One provided link, had the case number notated on the first page of each document along with a description. There were no options to include comments or explanations, only the document upload. I called Capital One at approximately XXXX XXXX on XX/XX/XXXX to follow up on my case and uploaded documents, and specifically asked if there was anything missing or needed, and was simply told no, that they were processing. At approximately XXXX XXXX on XX/XX/XXXX I received a letter in the mail telling me that the documents lacked all of the previously requested information needed, they closed my dispute, and that I have to work with the merchant.
Product: Credit reporting or other personal consumer reports

I have already brought this matter to your attention ; See Attached removal of inaccurate personal information, name, addresses, social security numbers, employment information. 
However, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC Section 1681 n.

Impact of Your Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit scores : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

My Demands : In light of, the harm caused by your willful noncompliance with the FCRA, I am requesting : 1. Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue Compensation for damages : I reserve the right to pursue legal action under 15 USC Section 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXXXXXX2023
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to tour a home for rent. I liked the home got the lease and paid deposit through XXXX at my bank Chase. I was frauded. I contacted my bank Chase the same day and was told that my money was just gone and they couldnt help. I gave XXXX. XXXX application fee and XXXX deposit. How can the bank support a problem that has no security. The money was sent to XXXX ( XXXX ) XXXX Through Chase XXXX the fraud person name is XXXX XXXX. I filed a police report with the XXXX Police Department in Georgia. My bank just left me hanging, wouldnt provide me with any information concerning where my money went
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2000.00} for the alleged obligation is considered cancelled debt and should be written off, but is still being reported as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not contact Experian to remove my freeze. Calling the following number does not give me an option to remove a freeze. I tried to remove it online, but that does not work for me. I mailed my information into them, but now I have no idea if there is a freeze on my account.
Product: Money transfer, virtual currency, or money service

Today the XX/XX/XXXX a girl i am friends with messaged me. She was portraying to have a new job that associated with bitcoin and she had now worked for the government, helping with CoronaVirus relief funds. she said if i deposited {$500.00} i would be reimbursed {$5000.00}. they made it very convincing with pictures of proof and everything. I then went to a XXXX ATM and deposited {$500.00}. I then recieved an email stating that my XXXX was pending in my account but i had to pay {$1000.00} to get the money out. I proceided to say i did not have {$1000.00} and they offered to pay {$500.00} if i paid {$500.00} as well. So i deposited another {$520.00} in case there was any Fee. Once this transaction was complete she told me that her agent would message me to get more info so the bitcoin would be deposited. A man so called named " XXXX '' asked for my ID, my Social Media account login, as well as my social security number for verification purposes. I was never compensated for the payments i provided. They hacked my Social media accounts and changed the email so i cant access them. They are minupliating hundreds of people and now they are using my social media account to do so.
Product: Credit reporting or other personal consumer reports

in According with the fair credit reporting act.the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have every right by law to eliminate these accounts from my credit that affect without reason, I believe that these companies have incorrect information that I would like to remove from my credit report I dont recognize those hard inquiries that show bellowl ; 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 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ), has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have 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.