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

I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.
Product: Debt collection

On XXXX XXXX I sent a letter to Pinnacle to validate the debt that I owe, they received the letter on XXXX XXXX, I received a letter from XXXX date XXXX XXXX saying " Based on the content and circumstances of the enclosed letter, Pinnacle believes that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Pursuant to 12 CFR 1022.43, such a dispute is considered frivolous or irrelevant, and no investigation must be conducted The purpose of this letter is solely to inform you that Pinnacle has deemed your letter to be frivolous or irrelevant, and has not conducted an investigation into the claims made therein. ''
Product: Money transfer, virtual currency, or money service

I have the debit card XXXX XXXXXXXX XXXX debit card. I deposit my weekly job pay check in that card every week for 3 weeks, because I'm new in XXXX are and not have bank account until now. also this pass week " Friday XX/XX/2021 I Deposit my paycheck. The company the XXXX XXXX XXXX XXXX using INGO company for cash check. After I did all the step they talk me to write VOID in my check and sent a pic. They cash it already with the bank. But I still no relied my money. I call every day, they talk me something different every time I called. This is unjust that in the situation we are this company play with my money. company name : Ingo Money Customer Service. Ingo Meny Inc. XXXX XXXX XXXX, XXXX XXXX. XXXX, GA XXXX. Phone XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I have to repair my credit for many years now and my credit score doesn't go up. Since last year I have had exceptional credit payments from all my 7 credit cards and my score has not moved. XXXX XXXX is see my score as XXXX and when I looked on XXXX  and XXXX  and equifac it shows XXXX on all three. I know something has to be wrong and it doesn't see like no matter what Ido my score doesn't go up. There not taking my inquiries serious. 

Theres inquires that's not mine and they won't remove. They had incorrect address which they corrected but any information linked to that account should have also been removed and nothing 's done. Please need help something wrong with these buareus.
Product: Debt collection

RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a XXXX atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.
Product: Debt collection

I had a gym member ship with XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ), formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX since XX/XX/XXXX. With the pandemic I put my membership on hold in XX/XX/XXXX and formally cancelled or so I thought, in XX/XX/XXXX via telephone to their front desk representatives. I did not receive one phone call and only found out of the debt collection with a email that I utilized years ago when I first set up the gym membership. As soon as I found this out I immediately contacted XXXX  to explain the situation, but they ( XXXX XXXX XXXX insisted that I provide phone records ( consumers do not keep such information ) to show who and when I cancelled with. Before contacting me they put me in collections and put a derogatory remark on my credit. No mail correspondence was received at my home address as well. To remove myself from collections I paid the agreed upon {$59.00} on XX/XX/XXXX that XXXX requested and I also asked for follow up confirmation that our engagement was completed but have yet to receive. Currently I still have a derogatory remark on my credit and have not received confirmation of engagement being completed with XXXX. I was a customer there for 6 years and paid monthly on time, and did cancel when I no longer needed the gym service earlier in the spring. Since XXXX  employee I worked with over the phone did not cancel properly, I was put into collections and had a debt collected unfairly. Anyone that had a membership with XXXX  and put it on hold/cancel during the pandemic should be advised of the bad actors at this company and negligence in their pursuit to collect unowed monies. 

Thank you. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}
Product: Checking or savings account

XXXX opened a student account with Suntrust in my name to pay my tuition. My government loan was automatically deposited into this account each semester to pay my tuition. Naively, I believed they were only giving me the amount I needed. It wasn't until recently, while applying for PSLF, that I learned I was given far more than I needed ( thousands more- $ XXXX more ) when I compared what XXXX charged with what was actually dispersed. It was not unreasonable to believe that I was only given what I needed ; I was a kid, I didn't know any better and neither XXXX nor Suntrust told me. I lived in XXXX  for XXXX years after I graduated and I never received any bank statements to let me know this account existed. Nor was I notified that the account was closed for dormancy ; despite, the terms of the Suntrust account stating that after 12 months of dormancy it would be closed ( which should have amounted to no more than {$900.00} or {$15.00} per month in fees ). Had I had any notion of this account I would have immediately closed it and sent the money to my loan so as not to have been paying interest on it all this time, but at this point the money is mine. Suntrust recently merged with BB & T and became Truist. I called Truist and was informed that my account was last updated on XX/XX/2022. It has my current address in XXXX. We are a military family so we move frequently, however, they have my current address ... which only leads me to believe they have been able to reach me all this time. But regardless, when I graduated I lived in XXXX and I continued to live in XXXX for 3 years afterwards at the same address. Furthermore, I forwarded my mail for an entire year afterwards. Then we bought a house in XXXX  and had our mail forwarded for an entire year after that. There is no excuse for not having been able to at the VERY LEAST send a single bank statement in XXXX years. It's almost as if at this point, they didn't want me to know I had the account and were deliberately preventing me from knowing about it. When I talked to their representative she could not tell me how the account was closed, why, where the money was sent, why I never received bank statements ( despite not having online banking ), why it wasn't closed for dormancy, nothing. There was no available information and advised me to go to a local branch. However, being that I live on the XXXX XXXX and this is a sXXXXXXXX XXXX that is very difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanDepot account shows a remaining balance of {$250000.00}. This open balance tradeline is impacting my credit standing which is a violation of the Fair Credit Reporting Act guidelines as the debt can hinder my potential credit approvals due to the outstanding debt. 

LoanDepot has failed to update my credit in a timely, efficient manner. Even after numerous times of trying to contact the company. 

LoanDepot hasnt updated my account and still shows I owe on the loan that was transferred to XXXX XXXX. As of XX/XX/2021 has been paid off.
Product: Debt collection

I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports.
Product: Credit card

I Have had a BMO credit card for years. XXXX closed my account without cause- without ANY notice- or justification. My account was never late as it was on auto pay. Paid in full without fail. This week -- XXXX was declined in XXXX stores -- so I called the company. I was told account was closed by them XX/XX/year> " per card member agreement '' but refused to explain -- what that meant -- -again, I have no idea why. I was told to wait XXXX business days for snail mail -- i was told there was NO reinstatement or replacement of card possible. 
my credit report is over XXXX and I don't intend to get a loan anytime soon..however, having this business close my account will affect my credit score..plus having to apply for a new card! What Unfair practice!!?
Product: Mortgage

When I was deemed a XXXX XXXX XXXX and unemployable Veteran, I put in for a hardship under the Obama Mortgage relief to reduce my payments from almost {$800.00} a month to a lesser a month payment. They reduced my payment to {$240.00} a month and extended my payments to 480 months. I had never heard of a 40 year mortgage, also even though I had gotten my remaining balance down to {$18000.00} now my remaining balance is over {$23000.00}. It was never explained that out of the {$240.00} I pay each verbally or in writing that only {$17.00} goes to the principal. That explains why my payoff has went from {$18000.00} to {$23000.00}. On top of all of that I am forced to have an escrow even though I am tax exempt due to being aXXXX XXXX XXXX Vet, also I pay my own home owners insurance via bank draft. As of XX/XX/XXXX there was a {$1200.00} in escrow. Last year the escrow had gotten almost to {$2000.00} and then XXXX out. It is something wrong because I haven't missed nothing but 1 payment in the pass two years, but on my credit report it shows 2 or more missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, XXXX XXXX
Product: Debt collection

This debt is not mine. I sent the company a demand for validation to provide me Contractual Agreements for this account. They have not provided any validation. In turn they have continued reporting the account on my credit report thereby violating the FDCPA which is punishable by a {$1000.00} fine in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Newrez Mortgage failed to pay my homeowners premium to XXXX XXXX XXXX on time. Had to pay it myself.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

This is a medical debt that occurred in the state of California in XXXX, through XXXX XXXX XXXX XXXX. Org amount : {$470.00} Amount now {$750.00}. Now showing on all 3 credit bureau 's as Rash Curtis and associates. 2 things. 1. THE ORIGINAL CONTRACT TO THIS ACCOUNT HAS BEEN CANCELED. 2. DATE OF SERVICE PAST STATUE OF LIMITATIONS FOR MEDICAL DEBT IN THE STATE OF CALIFORNIA- WHICH IS 4 YEARS. I have called this company, disputed it with XXXX, XXXX and XXXX, which every single time this company verifies the information as accurate, and it's not, and because they are verifying inaccurate information accurate, its staying on the 3 credit reports. This is not legal, the original contract has been canceled!! This needs to be taken off and fixed and I have tried reaching out to the company and credit bureau 's and this has not be looked into properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information from XXXX XXXX via email on XX/XX/XXXX about an account that had been co-signed for. The information provided showed a co-signer agreement that I signed, however it was dated from XX/XX/XXXX to XX/XX/XXXX. I reviewed the documents provided and I responded on XX/XX/XXXX that the information showed that the co-signer agreement was invalid based on the dates showing. The other piece of information according to this agreement that I want to include was that the co-signer agreement was only for the terms of the lease which was for one year. The debt that they are attempting to charge me for was from a charge on XX/XX/XXXX. I never signed anything agreeing to co-sign anything beyond the initial lease term. I also want to point out that initial co-signer agreement was invalid. I made them aware of that and they never replied further. I was not aware this was on my credit report until XX/XX/XXXX and I have disputed the charges with the credit bureaus as well.
Product: Checking or savings account

NOTE : THIS IS A FORMER COMPLAINT. I AM EDITING TO SUBMIT ONE MORE DOCUMENT THAT SHOWS THE DEPOSIT OF {$5400.00} INTO MY CHECKING ACCOUNT ON XX/XX/XXXX. 

Hello, I am having an issue with Chime bank not providing me documentation in regards to a deposit from my Chime Credit Card builder into my Chime checking account. I sent my first requests for documentation via the mobile app on XX/XX/XXXX and never got an answer. I then sent an email requesting a letter from Chime Bank on XX/XX/XXXX that verifies that I moved {$5400.00} from my Chime Credit card builder into my Chime checking account. I requested that the letter be on Chime letterhead for documentation purposes. I am in the process of obtaining a home loan, and the mortgage company is requiring that I provide documentation of all large deposits into my checking account. The issue with the Chime credit card builder statements is that they DO NOT show movements of my bank account funds into and out of the credit builder account. There is no way to get this information online or in the mobile app. Screen shots of a mobile app bank list are not acceptable documents for my mortgage company. For that reason, I requested a letter from Chime to verify that the Chime credit Builder is an account in my name and that I moved {$5400.00} out of the credit builder and INTO my Chime checking account. For reference I provided the XX/XX/XXXX statements for both the credit builder and the checking account. Note on my checking account statement, there was a deposit of {$1000.00} into my XXXX XXXX on XX/XX/XXXX. There is nothing on my credit builder statement that shows this deposit. The only thing the XXXX XXXX XXXX list are purchases I made with the credit builder card. I have spoken with 3 phone reps and one supervisor. None of the phone agents have the ability to provide me this letter. The supervisor helped me submit a request, but my support requests are being ignored by Chime. I have paid {$1500.00} already to start the homeloan process, and without this documentation the mortgage company can not verify the {$5400.00} deposit of funds from my credit builder into my Checking account on XX/XX/XXXX. The Chime app and phone reps I spoke with advised it normally takes 2 to 4 hours to get a response, but that it can take up to 24-48 hours. However, my first request was on Wednesday XX/XX/XXXX and no one is getting back to me. The fact that the phone reps can not provide a simple letter is frustrating.
Product: Money transfer, virtual currency, or money service

The money that was on my cash app was for my mother over {$1000.00} is missing I want my money for my mom she just had XXXX XXXX cash app did not care nor did they try to even come to a resolution please help me so I can help my
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.
Product: Debt collection

XXXX XXXX XXXX XXXX began garnishing my wages through my employer, XXXX XXXX XXXX on XX/XX/2019, with no prior notice for alleged student loan debt that I was under the impression was forgiven.