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

On or about XX/XX/2022 I went to the Bank of America Branch in XXXX Florida requesting an account verification letter ( I need to provide to the financial company who has my IRA Account ) so that monthly deposits can be made into my Bank of America account. 

I was advised that the letter would take 7-10 business days. I did not receive a call, text, or email as I had requested when the paperwork was complete. I received in my email a case number dated XX/XX/2022 the letterhead 's date is XX/XX/2022. 

I called the number on the letter and gave the case number. The young lady on the phone said that she would send the letter over to the Bank of America location in XXXX Florida which is closest to me. Upon arrival a second time and speaking with the Manager and Financial Advisor I was informed that they had no idea of such a letter. 

Having worked in a financial business for several years I happen to know that there is a letter which includes the complete account number and the owner 's name as it appears in the bank account. 

Was this an effort to begin charging me fees because I would no longer have a direct deposit going into my account? Was this an effort to discriminate against me because of age? 

I know that the elderly are often taken advantage of but this should not be happening. I would like the letter that verifies that the account belongs to me as I requested initially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX. ( THIS IS NOT MY ACCOUNT ) Last reported : XX/XX/XXXX - {$1300.00} Needs Attention Overview You've paid off -60 % of your collection amount. 

Balance {$1300.00} Highest Balance {$850.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Equifax Information Services, LLC and XXXX  XXXX XXXX XXXX  XXXX to have various discrepancies on my credit reports properly investigated and to have my information updated on XX/XX/2021 and never received any notice of such investigation from either company. I went online to their websites on XX/XX/2021 and attempted to dispute the information that way and they both are claiming to still be investigating. My credit reports are still very inaccurate and it is preventing me from getting decent credit offers and opportunities as I am currently in the process of purchasing a vehicle.
Product: Credit card or prepaid card

On XX/XX/2020 I called the Chase reconsideration line and was approved for the Chase United Explorer card. The card offer at the time was that you had to spend {$3000.00} to receive XXXX bonus points. The original end date of spending given my signup bonus date would have been XX/XX/2020. I had heard, following a Chase press release that some new card applicants could get an extension for the time required to earn the signup bonus ( XXXX bonus points ). I called on XX/XX/2020 and XX/XX/2020. I spoke to a representative who said that an extension had been approved until XX/XX/2020. I was very thankful for this extension, however I was able to meet the minimum {$3000.00} spend requirement by early XXXX. I called Chase back after this time, where the representatives verified that I met the spend requirements under the new extended terms and would be receiving my points in upcoming billing cycles. Between the time I qualified and XX/XX/XXXX, I called again to verify that everything posted and was in order to receive these points. I was again told that everything was good and that I should just wait a few billing cycles after XX/XX/XXXX to watch for them in my account. Using this information, I gave it some time and finally called Chase again at the end of XXXX ( XX/XX/XXXX ). An agent verified that I met the spend requirements and resubmitted the request for me to receive the XXXX bonus points. Shortly after this request was submitted, I received a response in my Chase account that the request has been denied because I did not meet the offer requirements. I immediately called Chase and gave the representative the dates that I was told about my extension, as the representative was not aware of any such extension. The agent seemed to disregard this information, so I asked to speak with a supervisor. The supervisor was much more receptive and informed me that these call logs could be pulled and that Chase would review them. If the information in the calls matched what I said, that could be verified and I would have met the terms then. I did not hear anything for a while and decided to follow up on this review. I called Chase again and was told that while the agent told me that I would be given this extension, that agent would be given " retraining '' but Chase would stand behind what this agent said. The Chase representative said that I should not have relied on what the agent said, even though subsequent agents could also see that this extension was in place. Chase informed me that they do not stand behind all information that their own customer service agents give even if that information is used to make financial decisions, like it was in this case. As a XXXX XXXX, this experience with Chase has been incredibly disheartening, especially in encouraging friends and family to sign up for the United Explorer card. This customer service experience has been appalling and I don't know how a company would react in this way.
Product: Mortgage

On XX/XX/2022 I Had My Baby And I wasnt Able to Have No Income Coming on XXXX XXXX My Brother Hours Was Cut To Part Time, We Have Been Struggling Since XXXX When Our Trailer Note When Up To XXXX Dollar, The Agent Over Our Loan Is Not Trying To Help Us Out At All
Product: Mortgage

On XX/XX/2020. I applied for a second mortgage with Discover Home Loans application number XXXX they told me I was pre-qualified after submitting my income. Additionally they ran my credit ( hard pull ) and then asked for mor documents that were not listed in the discloser like ; they had me submit 3 years of XXXX instead of the two pay check stubs they advertised. Additionally they had me submit numerous documents and on XX/XX/20 they called me and told me that they were upping the interest rate from 4.99 % to 8.99 % because they didnt realize this was a second mortgage. Additionally when I complained about this they said my debt to income was not within their guidelines but couldnt explain this because I make more money than was required.. I want an investigation into this and request at the end of this your agencies help in removing inquiry on my credit bureaus from theses people. I have a few emails but Im absolutely discussed by bait and switch for two reasons 1. This could happen to others 2. By them pulling my credit and doing the bait and switch I have to wait for those 10 points to rebound before I can apply again with another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I just lost a total of {$1100.00} through XXXX on XXXX XXXX I made one payment of {$100.00} as application fee to one contact through XXXX  for housing application. The man was pretending to rent a room in XXXX WA. After the {$100.00} payment, and that is was all refundable if I did not like the room, he asked me to make an additional payment for deposit and I refused. At that point he stopped answering my messages. I made the payment on contact number : XXXX. 
Then another one reached out to me on the same app. 
I made two payments of {$600.00} and {$500.00} for a total of {$1100.00} to this number as application fee and rental deposit to this person for a room in her so called house in XXXX WA through XXXX XXXX. 
He asked for more and insisted on using only XXXX, pretending that it is fully refundable. After I asked for refund because Am withdrawing my application, he stopped answering. 
I file a police report right away. 
Case # XXXX and contacted my bank to cancel the transaction but they said they are not able to do so.
Product: Credit reporting

I have been disputing these items on my credit and have n't received a response. these debts are not placed on my report that should not be there anymore. They have been closed XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.
Product: Credit card

I was notified today ( XX/XX/XXXX ) by a third party credit monitoring service that my Synchrony Paypal XXXX is closed. I logged in Paypal immediately and I am still able to see my account and the cash back rewards of {$72.00}. But clicking on redeeming causes an error that says " We cant redeem your rewards right now. Please try again or call us at ( XXXX ) XXXX. ". I called the number, the first representative says I should be able to redeem the rewards since I accumulated them before the account was closed by Synchrony. Btw, this is before any official communication from Synchrony reached me. Supposely I will get a letter explaining why my account was closed. However, after consulting with a XXXX, the representative told me the cash back rewards are forfeited by Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to The Bureaus Inc, You stated in the previous complaint and also attached that my account was sold to you. However, my non-public personal information was sold to you unethically. During this transaction, I was an uninformed consumer. You have defamed my character and the reporting of this account is affecting my livelihood and reputation. In addition, you stated the debt is valid however, my name is not XXXX XXXX as stated on the letter you sent to me that is attached as well. Under the FDCPA and FCRA, the Entire account must ME VALID, ACCURATE, AND FAIR. AGAIN MY NAME IS NOT ( XXXX XXXX ), MY NAME IS XXXX XXXX.
Product: Credit card or prepaid card

The problem is with XXXX XXXX XXXX XXXX. 

I live in XXXX XXXX, NJ. My employeer is also located at XXXX XXXX, NJ XXXX. The transactions attached and below are made so far from my hometown and these are not possible that I did and that confirm that XXXX XXXX XXXX XXXX has SCAMMERS to take money out from people cards. 

XX/XX/XXXX I didn't get my {$400.00} at XXXX XXXX XXXX ATM. The transaction was declined. 

XX/XX/XXXX I see the transaction was done by Someonelse stoling my money {$400.00} from the ATM located in XXXX so far from my home ) even is another state where I live and that day I was working, even I never go to XXXX. ( Attached are the transaction ) XX/XX/XXXX - XX/XX/XXXX Scammers are trying to taking more money at XXXX 's ATM ( XXXX XXXX and XXXX XXXX ATM 's ). So far from my house.. 

I have called thousands of times but nobody 's replied me back. And my dispute was declined without any written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing. 
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.
Product: Checking or savings account

I am writing to formally file a complaint against TD Bank, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding unauthorized transactions and the subsequent mistreatment by bank representatives. I believe TD Banks failure to adhere to security protocols resulted in a significant financial loss and has caused me substantial distress. I am seeking your assistance in investigating this matter. 

On XX/XX/year>, I discovered that a third party had changed my mailing address on file with TD Bank, ordered a checkbook, transferred funds from my savings account to my checking account, and withdrawn approximately {$53000.00} from my accounts using checksall without my knowledge or authorization. I did not request or authorize these actions. 

Upon discovering the fraudulent transactions, I immediately reported the issue to TD Bank staff and subsequently filed a police report with the XXXX precinct, following the banks guidance. Initially, TD Bank assured me that an investigation would be conducted. XXXX months later, a TD Bank XXXX informed me that my funds would be returned. However, when I checked my account, only {$19.00} remained, and the promised funds were not restored. 

When I asked the bank staff for an explanation, they responded dismissively and showed no willingness to assist further, despite my ability to provide the fraudulent address that appeared on the stolen checks. They informed me that the investigation was closed, refused any compensation, and indicated that I could pursue legal action if I desired, suggesting that they had no intention of taking further action. 

I am deeply concerned that TD Bank allowed someone to alter my account information and withdraw funds without verifying their identity. This negligence has left me financially impacted and frustrated with the banks lack of transparency and accountability. I have never authorized anyone else to access or change my account information, and my identification has remained in my possession at all times. 

I am requesting your assistance in : XXXX. Investigating TD Banks handling of this case, specifically the lack of identity verification in the address change and check issuance processes. 
XXXX. Compelling TD Bank to return the stolen funds and explain how this breach of security occurred. 
XXXX. Holding TD Bank accountable for the inadequate customer support and communication from their staff. 


Please find attached copies of all relevant documentation, including the police report, bank statements, and correspondence with TD Bank representatives. 

Thank you for your attention to this matter. I trust that your agency will ensure TD Bank takes the necessary action to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT EDXXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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: Checking or savings account

I transferred money to my checking instead of my business checking account. To cover a purchase from my vender. Ok simple mistake I transferred money to the wrong account. I switched the money to my negative business checking right away. I called in immediately to get the fees waived. Three of them. At {$36.00} apiece. {$100.00}. I was told theres nothing they can do. Ive talked to managers and bosses. I have talked to my local branch which didnt call me back for four straight days. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc and XXXX. Would not call me back for days. They did not help me in any way shape or form. XXXX told me that XXXX was working on it. When XXXX finally called me back XXXX days later he told me not only there was nothing he could do but he wasnt working on it. And questioned me saying XXXX XXXX say that. Complete lies And they went as far as saying there is absolute nothing they can do. Its the computer system. All I need was somebody to take a common sense approach and look and see what I did and get the fees waived. that is a scam in my opinion. Charged {$100.00} for a simple mistake. they make millions on simple mistakes. Scary