23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I deposited XXXX XXXX XXXX  XXXX paper checks in person at the XXXX Massachusetts brank located on XXXX XXXX. XXXX checks were cashed manually and XXXX were cashed electronically via my cell at the Bank by the employee who opened my account. 
My funds have been held due to verification procedures. I recieved letters in the mail stating that funds will be available to me on XX/XX/year>. 
On XX/XX/year> I called the bank in XXXX located on XXXX XXXX concerning my funds availability. I was told the checks were not verified and that I would have wait an addition 10 days for verification. I showed proof concerning where my checks came from : XXXX lump-sum for underpayment. 
Checks in the amount of ( 1 ) {$8700.00} ; ( 2 ) {$8400.00} ; ( 3 ) {$5700.00} ; ( 4 ) {$5800.00} ; and ( 5 ) {$1100.00} were all deposited on the same day. The checks # 3 and # 5 were electronically deposited by my cell phone ; and I was told those will be available on XX/XX/year> ; and the rest of the checks will be available on XX/XX/year>. I gave the bank my XXXX verification letters, showing the amount of each check on XX/XX/year>, after I was told that I will not be able to recieve my funds because the checks were not verified by the department that has my checks being held. I called customer service in attempts to speak to the department that is responsible for the hold on my account, with no success. I called the Citizens Bank headquarters to find out the same information but, failed there as well. I have been attempting to have the holding process sped up to access my funds because I need to buy food, and pay rent and utilities. I am past due on all my bills. I believe by the policy my funds should have been available to me Two to Seven days after deposit. But if I have to wait until XX/XX/year> and XX/XX/year>, I will have wait more than 20 days to be able to access my funds if verification is accepted.
Product: Checking or savings account

I experienced several problems while doing business with Commerce Bank over the past few months. 

1 ) I was not able to access my full account number online, or over the phone. I was informed that the ONLY way to access my full account number was to visit one of their branches, which are located in a small part of the USA, near XXXX XXXX. I was and am still out of state and unable to visit a local branch, and therefore, could not use the bank 's services. My access to my funds in the checking account was limited due to my inability to gain access to my full account number - the bank 's website only provides the last 4 digits of the account number. This hindered my ability to pay bills on time, resulting in negative financial consequences for me and my family. 

2 ) I was limited to sending only {$250.00} at a time using ACH, which hindered me from withdrawing my money from this checking account for an extended period of time. At this time, I had already decided to stop using Commerce bank for my banking needs, and intended to withdraw my money from the account. 

3 ) I was unable to withdraw the final {$100.00} from my checking account via ACH. I spoke with a Commerce Bank CSR, who informed me that to close my account and access my money, I would have to have a {$0.00} balance in my account. Withdrawing my money in person was NOT an option as I 'm out of state, and it was NOT an option via ACH. Thus, not knowing what else to do, and wanting to end my banking relationship with Commerce Bank and withdraw my money, I did n't see any other way of withdrawing my money other than using my debit card for a purchase I did not need. Withdrawing the money at an ATM would have resulted in fees and not being able to withdraw my account to {$0.00}, as ATM machines can not dispense XXXX cents, and thus I would not be able to bring my balance down to {$0.00} in order to close my account. I ended up purchasing an  XXXX gift card on XXXX in the amount of {$100.00} in order to bring my balance down to {$0.00}. 

During my relationship with Commerce Bank, I felt my money was trapped and illegally held by Commerce Bank, and my access to my money restricted by the bank 's rules. This has resulted in negative financial consequences for me and my family, and thus, I would like this matter looked into, and Commerce Bank 's practices investigated in order for this to never happen to any other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification  for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST OF UNAUTHORIZED FRAUDULENT REPORTING PART XXXX THIS IS FROM XXXX XXXX XXXX ) Please send the original application XXXX ) The beginning date and ending d ate of the contract 3 ) The last date this debt received a payment. 4 ) What's the insurance amount on this contract/debt 5 ) Copy of my written signature & a photocopy of my ID, and my SSN card. 6 ) Please send the application that shows I gave anyone person permission to use my name or Information to report on my consumer report. I don't recall giving consent to put these accounts on my report. 7 ) Also send me copies of ALL 13 warning letters that the creditor sent to me if this was my debt and to rectify this debt. 8 ) Send me a copy of the Forward Flow Agreement 9 ) Copy of my Bond and the highest Bond Bidder associated with these debts. It's a violation to report anything on my consumer report. I didn't give you written consent remove it immediately this is identity theft per code 15 USC 1681 B permissible purpose. All rights reserved Ucc 1-308 .XXXX XXXX XXXXXXXX. beneficiary XXXX XXXX XXXX XXXX XXXXXXXX., I'm a natural person and this dispute etuspdi isn't coming from a 3 " party I recently received a copy of my consumer report and I noticed there are 2 accounts that are posted on my consumer report. I'm requesting that these accounts be removed from my consumer report. Per law 15 U.S. Codes 1681a - Definitions : rules of construction | U.S. Code I US Law I Legal Information Institute. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. ( 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 ; SEND REQUESTED DOCUMENTS OR delete these accountS : XXXXXXXX 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
Product: Mortgage

On XXXX XXXX XXXX, Wells Fargo, through their counsel XXXX XXXX XXXX, filed a misleading, late, and incomplete cover letter with the XXXX XXXX XXXX, Florida, 13 days after our XXXX XXXX XXXX foreclosure sale. This filing occurred after the statutory objection period ended. The letter falsely stated a " sales package '' was enclosed, although the referenced documents had been previously submitted separately, causing confusion about the foreclosure documentation. Additionally, this cover letter lacked mandatory attorney identification, including signature and Florida Bar number, violating explicit procedural rules. These irregularities impaired my ability to understand and verify foreclosure proceedings, raising serious concerns about transparency, accuracy, and potential deception under CFPB regulations ( Regulation X, UDAAP ).
Product: Credit reporting or other personal consumer reports

I have spoke with XXXX XXXXXXXX XXXX  on several times they sent me letter for the credit bureau to update this information they still havent updated the information and is still reporting late payments on my account I ask that they either remove this from my credit report or fix the issue as attached is a letter from XXXX XXXX on this account with account number as by law it isnt correct and I know my rights. If you believe its fair and right to keep reimporting something that the company told you was closed years ago If you believe it's correct, I demand : The date whomever validated it was correct.The method used to validate this Billing error. The name of the person who received the permission to Validate this error.The documents used to determine this error.I would appreciate it if this matter were handled in a timely manner. Im giving 10 days for a response before I take action and matters into legal action
Product: Debt collection

We receive 2-3 calls from " Credence '' daily - sometimes the calls start before XXXX XXXX, and the latest was received after XXXX XXXX The calls go to our land line, which we never answer unless it's someone we know. I finally looked up Credence online, trying to figure out where that city was, but in doing so, I found out that it is a collection company with a history of scamming people. We have NO debts or outstanding bills. Credence never leaves a message, so we KNOW it's a scam. Please put a stop to this annoying harassment and put these scammers out of business!
Product: Checking or savings account

I have fraud on my account. A charge from casetify was made 6 times for the amount of XXXX on XXXX XXXX and was posted on XX/XX/year> there were more charges that were removed because fraud picked them up. But these charges posted. They were not mine and I have gone then three times and escalated it and they state they were mine. How is it that fraud detection system counted them but the rest werent. I have filed a complaint against three times and no result. They initially gave me the XXXX but now reversed it and my account is overdrawn.
Product: Debt collection

Trans world system inc
Acct# XXXX XXXX XXXX XXXX XXXX D. CXXXX

15 usc 1692 c (c)
Please remove collection from my credit
Product: Debt collection

Notice to Principal is Notice to Agent-Notice to Agent is Notice to Principal This is a form of " Conditional Acceptance '' to the commercial estate of XXXX XXXX XXXX to exemplify the falsehood and misrepresentation, observed as defamation of character ; but the allowance of the said debt to the property will stand unless proven false : -Under the Privacy Act of 1974 prohibits agencies to deny the rights and benefits or privileges of the individuals who refuse to disclose their Social Security Number. Please provide evidence that this didn't occur -That the said debt in commercial-estates or was signed with a wet inked signature allowing third party agencies to tamper, adjust, collect and infringe upon the estates private secured common law copyright consumer protection obligations through unlawful debt. Breach of contract. 

- Please provide that evidence that the Secretary of Treasury isn't responsible for paying interest on the public debt of the United States and that the commercial public estate wasn't already offset and discharged. 31 U.S. Code 3123 -The Federal Law doesn't protect US consumers, or naturals from abusive, unfair, or deceptive collection practices by third party debt collectors such as Experian XXXX XXXX XXXX XXXX XXXX 

- Fair Debt Collection Practices Act FDCPA isn't passed by Congress to Protect the consumer ( beneficiary ), can't be liable/responsible for damages.

- That 611 ( 15 U.S.C. 1681 ( 1 ) and isn't in accordance with the accepted STANDARD of metro 2 data field reporting. The information has been proven to be true, correct, or verified.

-Please provide evidence that under15 U.S.C. 168i ( 7 ) that the methods of verification of this account ( s ) weren't in violation and wasn't reported without valid evidence. The commercial estate.

- Please provide evidence that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't apply to the Consumer Credit Fair Trade. Please share that the XXXX XXXX trademark XXXX isn't a trademark. 

-Please provide evidence that a common Law copyright refers to a legal doctrine that grants copyrights protection to the original work of authorship and the commercial estates name isn't copywritten. 

- Please provide evidence where the Resignation of Registered Agent Affidavit filing and recording has n worthiness with the Consumer Financial Protection Bureau. 

- Truth-in-Lending Act, a creditor a defined as : A natural person, business, or financial organization that services mortgages loans. A natural person, business, or financial organization that regularly extends credit to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company did not remove 2 account that are over 7 years old from last transaction, each time i dispute, transunion writes to creditor and gets reply and they use that reply date as last transaction and in fact they transaction is responds date from communication from transunion to creditor, these 2 items in question has been charged off over 7 years ago and according to transunion own records and fcra, any account since last transaction over 7 years should be removed or delete, and that is what i asked, i checked with creditor and they have no records on this communication, i asked from transunion a procedure letter on this dispute over 30 day ago and did not get one, since transunion has 2 accounts, charge off account from over 7 years old, and did not sent me procedure letter on dispute, I ASKED FOR THE 2 CHARGE OFF ACCOUNTS, BE DELETED AND REMOVED, ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on USAA SAVINGS BANK XXXX Balance {$1200.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

On XX/XX/2006 my brother took out a loan against our house. I had no knowledge or did I sign anything to approve the loan. But XXXX and XXXX XXXX XXXX went around the law and issued the loan ( I have proof from a title company that they knew there was a 2nd party on the title and they just took me off title ). Needless to say my brother defaulted on the loan. I fought for 3 years for this even tried to get a modification on his loan but I got no paperwork saying they rejected the modification just a call from an attorney that they said no. I have spent lots of time and money to fix this and in the end we paid to catch up the loan and the foreclosure was dismissed. I am refinancing the house now and since XXXX went bankrupt a new company took over the loan. They are trying to charge us again for the legal fees that were already paid. I showed then the proof and once again so sorry but no. This is a difficult situation made worse by XXXX, XXXX XXXX XXXX and Shellpoint mortgage. I have sent numerous e-mails and it went on def ears. They all have done illegal things and I find it horrible. I was lucky enough to be able to save my home but I am sure there are others who found themselves in the same situation that lost their homes. They all should be responsible for their actions.
Product: Checking or savings account

Chime has absolutely terrible customer service, some of the worst that I've ever had to deal with. They requested a w9 from me, I submitted it, then 3 days later followed up with them to confirm that they had it and they not only confirmed that they had it but confirmed that my account would not be closed on the deadline date. The deadline date comes and my account was closed, despite the fact that their customer service confirmed TWICE that this would not happen. 

I reach out to their support to rectify the situation. Iv been working on it for 2 hours now, I've been hung up on twice, and nobody will take accountability for their mistake. 

I will be taking my savings account to another bank. Do not mess with this bank AT ALL!!!!
Product: Mortgage

This XXXX  XXXX or XXXX when my homeowners insurance was taken out and extra XXXX plus dollars came off my balance. 

I get a new statement saying my escrow is XXXX short so my payment is going up well if I am paying XXXX a year in escrow and my insurance is XXXX and my taxes are not XXXX how am I short XXXX??? 
I'm afraid I can't trust anyone at wells Fargo. 
When I was going through hard times from an accident they wouldn't refinance my loan and add three years they wanted to foreclose so all my money from my accident went into paying my loan back to save my house. That was XXXX? 
Would love someone to look over my loan that's not from Wells Fargo as I have seemed to only pay off a little over XXXX since XXXX.
Product: Money transfer, virtual currency, or money service

Wednesday XX/XX/XXXX, XXXX XXXXXXXX XXXX I attempted to login to my mobile banking app and was told that i had been locked out. 
XXXX XXXX- I went to my bank to see how i could unlock it and why it had been locked. The banker told me that there was fraudulent activity and that I was no longer allowed to bank or have any business there. I asked her what she meant by fraudulent activity to see if there was some kind of mistake. Then she asked me whether i had deposited 4 checks of {$850.00} each into my bank account the previous day. I told her i had no idea where that money had come from and asked her about the checks and she told me they were from a school district I used to attend and that they had been forged with my name printed on both the front and back of the checks. i had proceeded to leave that bank after they kicked me out and told me that there was nothing they could do and that I would get the money that was previously in my savings account within 3-5 business days. 
Thursday XX/XX/XXXX, XXXX XXXX XXXX. I was in a parenting class when i noticed i had gotten an email from XXXX about a scarf i had purchased online, only I never purchased it and it was being sent to XXXX ( I live in XXXX ). 
XXXXXXXX XXXX. I went to talk to the school districts police department ( XXXX PD ) to bring awareness to the checks that were forged under my name and now the new scarf that was bought under my name as well. The detective I spoke to told me that the checks that were deposited into my account were real checks that had been issued out, but not to me. They belonged to another emloyee and somehow were washed and then put my name and information on top of. 
XXXX XXXX After talking to XXXX PD i proceeded to go down to to XXXX XXXX Police Department and then tell them my story. They told me that because no money was stolen no real crime was committed. 
Friday XX/XX/2019 XXXX XXXX. I went to the bank again, this time with my mother to try and get my money and also ask the bank NOT to mail me a check for my money. We talked to a branch manager about my situation and he then called the Loss Prevention team and asked them if there was anyway I could get my money sooner, he never put them on speaker and talked to them privately over the phone and when he hung up he came back to me and my mother and told us that this time it might take up to 7-10 days to get my money from the bank because they are conducting an investegation against me and that that timeline was subject to change and could be even longer.
Product: Credit card or prepaid card

I've recently applied for two discover credit cards and was denied. I recieved two separate adverse action letters dated XX/XX/2022 and XX/XX/2022. They have violated the equal credit oppotunity act as I've applied in good faith and discover has no lawful reason to deny me. they are governed under federal laws that protects my right as a consumer. these violations include : 1 ). 15 USC 1691 2 ). 15 USC 1642 3 ). 15 USC 1681m 4 ). 12 CFR 1002 Futhermore my social security card was used and I recieved no benefit ( Unauthorized use of credit card ). Due to this I've suffered hardship when applying for anything else due to the hard inquires on my consumer report from discover.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. 
Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX