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

I have a XXXX XXXX  as a XXXX XXXX and an XXXX   XXXX with a XXXX XXXX. I got a loan sent to my bank of America and my account was shot off, I cant get access to my money or do online transactions to pay my due Bill 's or make a withdrawal. I called Bank of America and they told me it because I received a large sum of money and they flagged my account and my account is pending closure. It been about 2 weeks now and nothing positive has happen. I called them recently and they not giving me any explanation as to what's happening with my account, I can provide information from the organization I contracted with as an XXXX XXXX doing business. They only told me they doing investigation and my account is pending to be close.
Product: Credit card or prepaid card

I opened a synchrony bank account in  XXXX    XXXX   with a  6  mo interest free financing option. I paid my first payment in  XXXX  and thought I set up auto payment but did not so in  XXXX  I contacted a male representitative who waved my late fee and helped me set up autopay for the statement balance. According to my email at  XXXX  on  XXXX   XXXX  I was due to autopay the statement balance every month and then at  XXXX  on  XXXX   XXXX  I was due to pay the minimum balance every month. I NEVER changed it and the manager I spoke with today is denying anyone can make changes to my autopay besides me but the male I spoke with in  XXXX  was the one who helped me set it up. I have never in my 17 years of owning a credit card paid a minimum balance so for them to say I set up minimum balance payment is ridiculous. I set it up for statement balance and withi n 7  minutes either it was automatically changed to minimum balance or someone changed it. As a result I had been paying minimum balance for 4 months completely unaware that this was happening and paying an exorbitant interest rate and also lowering m y credit score. T hey are fraudulent. I have paid it all off and closed my account but have told them I am planning on legal charges out of damage to my  credit score. I woul d like to warn others of their fraudulent behaviors and when I google what happened to me they are the first hit for fraudulent behavior. This credit card company needs to be shut down.
Product: Credit reporting

I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with Transunion when I sent them letters about the inquiries as well as phone calls . Tranunion reinserted those inquiries after they were deleted and I never received a 5 day notice about  the reinsertion. Which is a violation of the FCRA.
Product: Credit card or prepaid card

Where do i begin. 

I have a US bank secured card. I missed a payment because i was too focused on paying other bills. Mortgage, insurance, Etc. They apparently charged me a late fee. First of XXXX months ago. then a whopping XXXX. Now XXXX. The latest is not they charged me a XXXX late fee and then come telling me that they want a whopping XXXX minimum payment. When i called them to try to explain and ask them to waive the late fee, they come telling me that " it is not in their policy ''. I have never heard of such foolishness in my life. They expect to make a minimum payment of XXXX when my other cards have never asked for that much. I am not understanding this. US bank will not work with anyone and it is not fair. I am not going to postpone paying other bills just ot make their ridiculous minumum payment. Then they come telling me that the amount due includes a late fee. I have never in my life heard of a late fee of XXXX. I think that this bank is profiting off of these high interest rates making customers pay these outrageous fees. The worst part is, it is a securred card. meaning my money was put up as collaretral. I am not understanding this. I refuse to put off other expenses just to pay some mininum payment that is more than my unsecurred cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

I've made purchases on my chase freedom, while having a balance ; as such, I've been charged interest. However, the interest I have been charged far exceeds the amount I actually owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had incidents of ID fraud in the past, between the years of XXXX and XXXX. 
XXXX : XXXX XXXX XXXXXXXX opened XXXX XXXX outstanding balance {$4900.00} Equifax : XXXX XXXX XXXX XXXX opened XX/XX/XXXX outstanding balance : {$8300.00} Both items where included in the police report, which I have attached to this complaint, and included in the FTC affidavit, which is also accompanying this complaint. The creditors requested that I get a police report before they would even speak to me about said accounts. I have produced all documents required to clear this issue and yet these items continue to reflect negatively on my credit rating. These accounts where not opened by me, and most be removed immediately.
Product: Debt collection

A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...
Product: Checking or savings account

In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with XXXX XXXX XXXX XXXX, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with Wellsfargo Bank and XXXX XXXX XXXX XXXX. The amount of stolen funds is over 1k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX reporting 30 days back when the payment was authorized to be taken out. Automatically. The bill was paid in full. It is already closed and I ask you to delete the account from my report
Product: Debt collection

MAILED COLLECTIONS ATTEMPTS TO XXXX COUNTY SHERIFFS DEPARTMENT IN XXXX WISCONSIN LOCATED AT XXXX XXXX XXXX, WHICH THEY THEN OPENED AND REALIZED IT DIDNT BELONG TO A EMPLOYEE OR A DETAINEE. WAKEFIELD AND ASSOSIATES GAVE THEM INFORMATION WITHOUT MY PERMISSION.
Product: Credit card

I have a membership at XXXX. During their switch from XXXX XXXX to Citibank for credit card processing, a credit card account was opened in my name with Citi XXXX without my consent or approval to the terms and fees therein. Membership dues were subsequently charged in the amount of {$110.00} on the Citi card. I have contacted both Citi and XXXX and, although they state that this is a legal transaction, I feel that it is a fraudulent practice no different than the current XXXX XXXX situation. Opening a credit card without consumer consent and making charges on it is fraud, fraud, fraud! XXXX should have billed me directly or made arrangements with me to put the membership dues on a credit card of my choosing, with terms and business practices that I agree to. I have since closed the Citi card out and made arrangements with XXXX to pay the dues, but I wish to log this complaint as record of big business financial fraud that needs to be addressed on a larger scale.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 online dispute was submitted to Trans Union for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. Trans Union dispute results did not delete the account as requested. XXXX dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to Trans Union to remove the following account from my credit report as soon as possible. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft for the other bureaus have already done their part. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1300.00}
Product: Debt or credit management

I reached out to Kohls Capital One multiple times to resolve an outstanding debt that doesnt belong to me. I requested information that proves this debt belongs to me and was provided with dates of when the account was open as well as balances owed on the account. I have informed this company several times that I did not open this account and it was opened as a result of fraud. I have supplied the company with a police report and an FTC XXXX this includes this account. This company is purposely reporting misleading inaccurate information to the credit bureaus. This account doesnt not belong to me, this company has failed to prove or provide proof of ownership!! 
I have also reached out to the companys XXXX  department and requested they do an investigation and I havent received in updates!! 
According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account. Please remove this inaccurate nformation. Thank you. 
I will attach a copy of the police report and ftc report to this complaint, due to the company saying they didnt receive that information but Ive sent it several times!!
Product: Mortgage

Rocket mortgage refuses to apply payments as directed, has their payment process set up in such a way that you're almost forced to sign up for auto pay each time you make a payment, and they don't honor the cancellation of those autopays. 

Basically, I had a XXXX payment scheduled for XX/XX/XXXX. I had cancelled the autopay scheduled like several weeks before, because I'm paid ahead by 5 months ony mortgage. 

On XX/XX/XXXX, the unauthorized autopay goes through. Not only does it go through, but they refuse to apply it to the payment and instead auto apply it to my principal. I'm now being double charged for the payment, and they've managed to decimate month 6 of emergency fund in one go. They will not refund the payment and they will not apply the principle payment to the payment due in XXXX. 

Please help. This is the second time this year they have done it, and the loss of XXXX not towards bills is crippling, on top of what student loan services are pulling on me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 letter about inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. 

I am sypmathetic to the Delta varient increase, but I feel like my dispute letters are being ignored and that I am being taken advantage of because I am not a major corporation. You know this better than I, but Section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these items should be deleted immediately. 

I demand these accounts be deleted accordingly. You are my hope to resolve this matter without litigation, but I am prepare to file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. 

My information was impacted by the Equifax data breach I am demanding that all items on my credit report is validated with PROOF, not statement printouts. 

PLEASE HELP remove, delete and update the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Please intervene and assist me with this request. Thanks!
Product: Checking or savings account

I had my unemployment benefits deposited into my chime account. Chime then put my account on hold. I cant access my funds, pay my rent or nothing else. Ive contacted them. Sent them all the supporting documents they wanted and my account and my funds is stink inaccessible.
Product: Money transfers

I want my {$5.00} back! 
To whom it may concern : I came to Key Bank when XXXX XXXX was the manager there. XXXX bent over backwards helping me set up a new business. She truly cared and it showed. She would actually call me to make sure an issue was resolved. She was a total delight to work with. XXXX was a wonderful as well. 

After that, the whole atmosphere of the bank changed. XXXX refused to help me in any way. I had XXXX issues I needed help with and both times she handed me an XXXX number and told me to handle it through them. After spending much time attempting to rectify the issues myself, I complained to corporate about her total lack of customer service, she must have been notified because she has made me pay ever since. 

I inherited a substantial amount of money and one of your tellers ( XXXX ) suggested I invest the money in a CD and quoted me a rate. I agreed and XXXX started setting up the account. I called to finish the transaction and XXXX said " too bad, the interest rate you wanted expired yesterday and XXXX is on vacation ''. After I called corporate, she called back and said she would honor the rate. 

I noticed another staff ( XXXX ) had picked up on her behavior as well and the few times I called, they would bounce me back and forth - keeping me on hold for ridiculous periods of time. 

Last week I needed to send a wire transfer, I asked the price and XXXX said {$25.00}. I was charged {$30.00} and asked XXXX about it. She said " XXXX make a mistake and I corrected her ), however, I will not refund the {$5.00} because you signed the wire transfer contract. Really? 

I have never been treated like this before and am stunned that this seems to be acceptable by Key Bank. 

XXXX will never receive credit for the {$250000.00} I would have invested with Key Bank had staff behaved in a competent manner. XXXX has been a pleasure to work with. 

Key bank lost an excellent customer that would have stayed with Key Bank for life had I been treated with respect. I hope their behavior was worth it for them, because it sure did n't benefit Key Bank. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX of 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
Product: Debt collection

I, herein Affiant/Consumer, a living Heir, breathing woman, being first duly sworn, depose, say, and declare by my signature that the following facts are true, correct, and complete to the best of my knowledge and belief. 

XXXX. THAT Affiant/Consumer is competent to state the matters included in his/her declaration, has knowledge of the facts, and declared that to the best of his/her knowledge, the statements made in this affidavit are true, correct, complete and not meant to mislead ; XXXX. THAT on or about XX/XX/2021, Affiant/Consumer sent a legal document entitled COPYRIGHT/COPY CLAIM AFFIDAVIT UNDER CONSTRUCTIVE NOTICE and Cease and Desist to Kubota Credit Corp/ Respondent via Certified Mail with Return Receipt giving notice of dispute of the debt under 15 USC.

3. THAT Respondent had fourteen ( 14 ) days to respond with proof of claim, point for point ; however, Respondent chose to remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted and has agreed and stipulated to the facts and agreed that the undersigned can exercise remedy afforded by HJR 192, codified at 48 stat. 112. 
XXXX. THAT Respondent isnt given any additional days to contest Respondents Acceptance as to the stipulated agreement based upon silence, acquiescence, and therein tacit agreement.

5. THAT the Respondent is Noticed that Respondent is in Default, failed to contest acceptance and is in agreement.

6. THAT Respondent has continued to communicate with Affiant via phone and cause major grief to Affiant/Consumer. 
XXXX. THAT Respondent has continued to communicate with Affiant via mail and cause major grief to Affiant/Consumer.

8. THAT Respondent has reported to consumer reporting agencies that Affiant/ Consumer has not paid the disputed debt.

Without Prejudice, UCC 1-103, 1-308 and 9-311 et al
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Subject : Debt Validation Request Dear Sir/Madam, I am writing in regards to the alleged debt you claim I owe. I am formally requesting debt validation as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have been contacted by your company, Westlake Portfolio Management, about a debt purportedly owed to you. However, I dispute the validity of this debt and request that you provide the following information for verification purposes : The original signed contract between myself and U.S. Auto Finance , Inc. and US Auto Sales Inc, if applicable. 
A complete account history, including all charges, interest, and fees that make up the alleged debt. 
Proof of your legal right to collect this debt, including documentation showing that you are authorized to collect debts in my state. 
Until you can provide the requested information and validate the alleged debt, I request that you cease all collection efforts, including phone calls and letters. 

Please note that I am aware of my rights under the FDCPA, and any violation of the act will be taken seriously. 

You have 30 days from the receipt of this letter to respond to my request. Failure to provide the requested information within this timeframe will be considered as your acknowledgment that the debt is invalid, and all collection activities must cease. 

Please respond in writing to the address provided above. 

Thank you for your prompt attention to this request. 

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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

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 an account without my written instructions Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.
Product: Vehicle loan or lease

WESTLAKE PORTFOLIO MANAGEMENT : They repossessed my car when i never lnew who they even were. My car was purchased from US Auto Sales. Westlake took my car. I tried reaching out multiple times. After i finally got ahold of someone, the representative could not answer any of my questions. They also lied and told me they had the right to take my car because they were the lien holders, which was false. They then told me that in order to get my car back, i would have to pay double the balance that was originally given to me by US Auto Sales.