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

XX/XX/year> check in the amount of XXXX written out to XXXX individual with the verbiage and requiring both signatures and government identification to properly complete the required IRS forms. Mt & t bank allowed the check to be deposited with only XXXX signature and no Identification verified. This left the other non signing party without knowledge of or access to the funds at the time of deposit and also allowed the party toi transfer all funds to a individuals account leaving the other entitled party with no knowledge of the check no access to the funds but still responsible for the capital gain owed to the IRS. Mt & t where it was deposited and transferred failed to follow there own policy as well as the IRS and XXXX the bank the check was written off always neglected to ensure all policies where followed and paid the balance of the check to Mt & t despite the lack of proper identification The lack of attention to policy and procedure has left me struggling to obtain a copy as Mt & t did not have an imagine at all I had to request it from the 'Law firm that handled the closing of the property. I would like to know how to XXXX about collecting the monies I am entitled to and how to go about pressing charges on the party that attempted to keep all of the monies unlawful.
Product: Consumer Loan

This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.
Product: Mortgage

Since 2010, we have submitted several applications to Bank of America for refinance or modification of our 30 Year Conversion Option ARM. We are current on our payments and have excellent credit. Bank of America has provided excuse after excuse concerning our documentation and the rejection of our application. To no avail, we have solicited professionals on our behalf to query, complete and submit our documents to Bank of America. Right now, we have only XXXX ( out of XXXX ) ARM options available, i.e. the 15 year or minimum. We can not afford the $ XXXX/month 15 yr option, therefore we pay the minimum $ XXXX/month. We have in essence a negative amortization loan with a balance of {$310000.00}. Our payments do not include taxes and insurance. We are debt free except for our home. This year, we will be on a fixed income and it will be a financial hardship should we continue in the future with this obsolete XXXX option ARM mortgage plan. We want Bank of America to give us a reduction in principal and payment, fixed mortgage relief. Bank of America has all the information ( XXXX yrs ) at there disposal to make our request a reality.
Product: Debt collection

Wells Fargo Bank in XX/XX/XXXX my wife had XXXX XXXX my son ask her to take a loan so he can buy a house she thought she was going to XXXX soon thinking the loan would be forgiven when she XXXX, she XXXX XXXX on XX/XX/XXXX the day after XX/XX/XXXX the amount maybe {$40000.00} or {$50000.00} I did not know the right amount or the date Wells Fargo would not tell me anything about this loan because my signature is not on this loan the balance is {$39000.00} as of XX/XX/XXXX in XX/XX/XXXX maybe in XX/XX/XXXX I get a call from Wells Fargo telling me the loan payment is late they did not know my wife pass away so he tells they need to get the payment of {$110.00} if they did not get it they will foreclose and get me out so I started making payments the payments just keeps going up & up in XX/XX/XXXX my payments are {$160.00} they told me if I take possession it will be a 2 % loan and my payments will stay the same at {$170.00} so I said ok and I really can not afford I live on a small SS check I have no other income or any saving account. 
Help me Please Thank You
Product: Credit card

Months back, start of the year or so... I had a random amount charged to my card. I thought it was {$7.00} or something, but when I talked to the XXXX rewards lady the other day, she told me that it was around {$11.00}. The amount is trivial, I can pay that easily - but this amount was charged in XXXX. I have not been in XXXX XXXX XXXX 

Please do NOT zone out yet - because this is the important part. The part that I actually care about ( who cares about a closed credit card account, I'm moving on, XXXX this XXXX company ) ... .... 

THE IMPORTANT PART IS THAT I AM NOT THE ONLY ONE... 

I randomly brought this up to a friend who knows credit cards.. and he says that Wells Fargo pulls this with their XXXX  cards all the time. 

If me and some random friend had it happened to them, it is probably massively widespread. Wells Fargo has done lots of dirty nasty shady things in the past.
Product: Checking or savings account

I had a checking account with Chase bank for very long time. Without any given reason, Chase closed my checking account and refuses to return back to me my account balance in the amount of {$900.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since XXXX  and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call XXXX XXXX  they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with XXXX XXXX with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT
Product: Credit card

This credit card company ( synchrony Bank ) closes accounts at a whim and then go after the customers after charging off debts, owing a 1099 c so we can claim the debt as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$900.00} XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

booked a flight with XXXX from XXXX XXXX to XXXX XXXX, transferred at XXXX. My wife and I flew out on XX/XX/XXXX XXXX, 2019. We arrived in XXXX at or around XXXX am XX/XX/XXXX. Our next flight was set to fly two hours later. However, due to severe weather condition in XXXX XXXX, our flight was canceled. So my wife, who is 6 months pregnant and I had to rush to XXXX customer service desk to reschedule our flight. Unfortunately, the next flight was full. But it was ok, we were on stand by list. We were set to fly around XXXX XXXX   in the afternoon. When it was close to XXXX XXXX, we were told that this flight was canceled too. We asked the customer service what is the next flight. They told us the next flight was around XXXX, of course, no seat. We were placed in the stand-by list. When it is time to board the XXXX XXXX flight, we were told that all flights to XXXX XXXX were canceled, including all airlines. And we were told that there might be another flight the next day afternoon around XXXX XXXX, but there is no guarantee that there will be any seats. Because my wife was pregnant, and we did not know where should we stay overnight, and we could not retrieve our luggage because we were placed in the stand-by list, we decided that we just took XXXX, which was the only way of transportation to get to the destination. We spent XXXX dollars ( including train fare and food/water ) to get to XXXX XXXX by XXXX XXXX XXXX to get to XXXX XXXX. Since I used Citi Prestige Credit Card, which touted the benefit of Trip cancellation coverage insured by XXXX XXXX, I claimed Trip Cancellation from Citi Bank. Yet, my claim was rejected by adjuster because she said that I chose to incur more cost by changing the destination or connecting city. I called Citi bank many times with no satisfactory explanation. And adjuster never called me back as she promised. My claim number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting a fraudulent account opened on XX/XX/2019 to ChexSystems and verifying that disputed information is accurate, but has yet to provide me with the requested information that proves that I am the one who opened the account. In the information they provided, which consists of two bank statements, there are only returned mobile deposits and returned echecks. I have requested the signature card used to open this account and also the ID used. Neither pieces of information have been provided to me. The closure status status states " settled in full '', when I have never paid a dime to XXXX  XXXX XXXX, or conducted any business with them. They have it reported for Suspected Fraud Activity, which I do agree with, but I am not the one who conducted the fraud or the opening of the account. If they are not able to provide me with the requested proof that shows I am the person who opened this account then it needs to stop being reported. They were provided with my FTC Identity Theft complaint, as well as the Dispute and request for validation of proof. Seeing as that they are unable or unwilling to provide any proof that I opened this account, other than my personal information was used via a mobile application, then this information needs to be removed and stopped being reported immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1959 To who it may concern, There was a breach with the XXXX  XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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. 
15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : 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
Product: Vehicle loan or lease

This was my first car that I bought off the lot it was a used car to start with I ended up getting into a car accident and the car was totaled so I was able to pay an additional fee to obtain another car with the same payment dates and times of my last car I completely paid off the car in total because of what they got back for I accident it paid for the new car but I ended up having to pay extra money because I wasn't aware of that they have already taken a lot for me and for that company XXXX XXXX to sell my information to this collection agency for the amount of my total car is completely illegal please look into this and into their company in its entirety because that's not right I made XXXX year old woman turning XXXX and my credit is a big deal in my life right now my phone number is XXXX please give me a call if you have questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know what is going on and why this showing up on my report I would like this permanently removed and wish for this not to happen again thanks.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

I have opened a savings account and safety deposit box with Wells Fargo bank in XXXX, Texas. I deposited all my valuables in my safety deposit box. In XXXX we accessed the box to add some valuables. After 2 months we went back to collect them but the key for the safety box was broken and all the valuables were missing. We immediately filed complaint with the local police. The staff working on that day also witnessed the theft and provided all the information to the local cops. After 8 months, the bank sent us mail that the case is closed as there was no evidence of any theft. I am approaching you for justice. I lost all our hard earned money with which we bought those valuables. Also our memories and the gifts from our parents during our wedding are all stolen. The bank needs to take responsibility and find out the parties involved in this crime. Please do the needful and save us.
Product: Checking or savings account

On XX/XX/XXXX I opened up an account with nfcu a restriction was put on my account on XX/XX/XXXX nfcu will not release my funds they told me to file and appeal I filed my appeal on XX/XX/XXXX after nfcu told me on XX/XX/XXXX that I have to wait XXXX business days and the funds would be released back to me I have went into many branches and they told me that the branch banker put my phone number as my social when she opened the account I dont understand how that happened when I gave her my correct information number XXXX number XXXX nfcu should not be able to hold someone funds my lawyer sent out a demand letter the security appeal team responded and stated that they are now working on the appeal it is now XX/XX/XXXX and they have yet to inform me on when my funds will be released I am behind on bills my care is broken down and I have no money I sent them alll documents as requested nothing has been done I call them everyday and they tell me to send a letter in written for my request because they can not verify my social due to the branch banker making multiple profiles with incorrect socials I told them that I would just like for my account to be closed and funds to be released I need my money this is ridiculous my lawyer reached out nothing I reached out nothing I went in the branch over XXXX times still nothing I am facing financial hardship when I dont have to because I have money in the bank that they will not release nfcu representatives are very rude and heartless
Product: Debt collection

Barclays Bank DE has been reporting inaccurate information on my credit report. I have tried to correct this information by Disputing it but Barclays stated that the information is correct to the credit bureaus.

I would like to see how they calculated the balance on this account.

Barclays has withheld the credit limit to XXXX  in an attempt to further damage my credit, Barclays has also reported the high balance as a lower amount than the balance on XXXX and XXXX. how is that mathematically possible and why are the amounts so different XXXX : High : {$0.00} balance : {$1700.00} XXXX  High : {$1200.00} balance : {$1700.00} Barclays has tried to re-age this account by having different Dates of last activity and different dates of last payment at all 3 bureaus Date of last activity XXXX XXXX  : XX/XX/2018 XXXX Date of last payment XXXX XXXX XXXX Barclays Bank has also transferred this account to a collection agency called XXXX XXXX XXXX and has failed to report this transfer to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$8200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$8500.00}, XXXX XXXX XXXX Balance : {$230.00},
Product: Debt collection

JEFF CAP SYS is alleging I owe a debt that I do not. I have no obligation under federal law to pay any debt that I did not go into a contractual agreement with. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report. Furthermore I refuse to pay any third party debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill
Product: Student loan

the company is Navient and they are repeatedly calling me several times a day 6 days as week. Today they called me three times in an hour. when I called to ask themto em to stop calling me everyday they were rude and denied the calls from today and told me that the calls will continue until I make arrangements. I am working on it but calling several times a day everyday is harassment. 
They also sent a letter to my aunt making her believe that she won a contes. They also harass her telling her that she needs to pay. She lives on Social Security now and they will not remove her from the loan because she is officially XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts not removed and still showing on credit report.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, XXXX disputed an account reported by Transunion XXXX, creditor or court ] in the file you maintain under my I was informed on [ XX/XX/year> XXXX bank that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. 
I am submitting this complaint separately to the Consumer Financial Protection Bureau and the attorney generals office, and the XXXX  please govern yourself accordingly
Product: Debt collection

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with XXXXXXXX XXXX XXXXXXXX, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX [ XXXX, South Carolina, XXXX ] [ XX/XX/XXXX ] Subject : Dispute and Request for Removal of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my report, I identified the following inquiries that I do not recognize or did not authorize : XXXX. Creditor/Company Name : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Date of Inquiry : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604 [ 15 U.S.C. 1681b ], a credit reporting agency is only allowed to include hard inquiries in my credit file when there is permissible purpose. I did not initiate, apply for credit with, or authorize these companies to access my credit report. As a result, these inquiries are unauthorized and must be removed from my credit file. 

To assist with your investigation, I have included the following : A copy of my credit report with the unauthorized inquiries highlighted. 
A copy of my government-issued ID for identity verification. 
[ Include any additional supporting documents, if applicable. ] Please conduct an immediate investigation as required under FCRA Section 611 [ 15 U.S.C. 1681i ]. If these inquiries can not be verified as authorized by me, I request their immediate removal. Additionally, under FCRA Section 609 [ 15 U.S.C. 1681g ], I request a detailed explanation of how these inquiries were verified, including the name and contact information of the companies that requested access to my credit file. Failure to remove unauthorized hard inquiries may result in violations of the FCRA, and I reserve the right to take further action under FCRA Sections 616 and 617 [ 15 U.S.C. 1681n & 1681o ]. Please complete this investigation within 30 days and provide written confirmation of the results at the address listed above. Thank you for your prompt attention to this matter. If additional information is needed, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX