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

XX/XX/2024 - called bank to dispute charge on my wife 's debit card ending in XXXX. XXXX informed me the only way to dispute it was to file a fraudulent claim and cancel the card. We did and I paid for expedited 2-day replacement. 
XX/XX/2024 - went to local branch to withdraw money and found out my debit card was not working. Was informed that my debit card ending in XXXX was also cancelled by mistake. We were left we no access to funds for the weekend. I was understandably upset and was told by the branch workers there was nothing they could do other than file a complaint about the situation and that I had miscommunicated to the representative on theXXXX. They told me I was responsible for both cards being cancelled. NO POSSIBLE. 
XX/XX/2024 - received replacement card for XXXX ( which was not supposed to have been cancelled ) - replacement for my wife 's ending in XXXX not rec 'd. 
XX/XX/2024 Wife sent an email to our account rep at the bank inquiring as to the status of her replacement card. 
XX/XX/2024 Branch worker ( XXXX ) client my wife in an agitated and threatening manner, essentially yelling at her. In the end we were told her card was sent on the XXXX and to be patient. 
XX/XX/2024 Wife emails branch asking for status. No response. 
XX/XX/2024 My daughter, my son and myself all get emails the due to suspected fraud that the bank was restricting their respective checking accounts and my checking savings and business account - none of which had fraud. We were told that if we didn't contact the bank they might close the accounts. My daughter went to her Branch in XXXX and she was told they bank was terminating its relationship with her father ( XXXX XXXX and since his name was on her checking account that it was being terminated as well as her savings account ( in her name only ) and that the assets in those account were frozen and refused access. I was told the same thing at the XXXX nj branch and when i demanded to withdraw all my money I was told the account was frozen and would be disbursed to me thru a check at the close of business. The branch also had called the police and said i was harassing the branch personnel. Based upon the distorted story of the prior week in the branch I recorded the interaction on video inside the bank. In the parking lot I was detained by the police as a result of the harassment call. I played the video to the officer and he acknowledged that there was absolutely no harassment and that under the circumstances was very calm. 
XX/XX/2024 after leaving the bank i called the complaint department at chase and was informed that there was a restriction on my account and no one in any department of the bank would speak to me and no one would be able to tell me when i would have access to my funds on any of the XXXX accounts.
Product: Checking or savings account

Money was constantly taken out of account to pay for bills not owed, causing overdrafts constantly.
Product: Credit reporting or other personal consumer reports

I want all reported accounts remove from XXXX and XXXX XXXX that were reported or misreported in error
Product: Mortgage

Logged into to make a payment and it said effective XX/XX/XXXX payment is going up. I freaked out and went on a search for why and found out that they charged me for a XXXX XXXX XXXX {$400.00} on XX/XX/XXXX, and an additional mortgage insurance payment {$1500.00} on XX/XX/XXXX. I didn't know our original insurance company that I had for the last 7+ years dropped us out of the blue. When I realized I immediately reached out to our broker and asked for help. They hooked us up XX/XX/XXXX with a new insurance company who sent over all the information to our mortgage company. The downside it wasn't effect until XX/XX/XXXX and I thought all was well until I logged into make our XXXX payment.. I called Freedom Mortgage and they explained they took the money out of escrow and now that it's short I need to pay a minimum of {$1300.00} or the monthly mortgage payment will go up. 

Yes its my fault that the lapse happened not denying that. I work XXXX jobs to afford this house, I always make the payment and I have spent most the rest of my free time at the hospital for my mother so I had been behind on opening mail. Not once did they send a secure message to advise this change, nor did they call and say they needed to speak with me in regards to this matter. I did ensure to obtain adequate mortgage insurance as soon as I realized what happened. I'm upset that they still submitted the charged after the fact insurance was in effect and they refuse to reimburse for the costs..even if it's not the full cost. Like I said I understand it's my fault this is my first time dropping the ball, I have a great track record for making timely payment and carrying insurance. I feel its wrong to be treated as such. I feel its wrong that the mortgage company put little to no effort in contacting me to make this right... and I feel it's wrong that they can just take whatever they want from my escrow account to cause it to go negative and then up my payment to the point that I could lose my house.. it feels like theft. I told all of this to the agents on the phone mind you it was an hour phone call and they tried to drop the call twice by putting me on hold for 15 + minutes. The first time i thought maybe it was by mistake the second time not so much, It took me through the prompts twice. The last guy I spoke with basically said sorry nothing they can do. Insurance lapsed, they took what they wanted from escrow and now you need to pay escrow back. I said even though I showed proof of insurance granted it was effective XX/XX/XXXX but you guys took out the payments XX/XX/XXXX & XX/XX/XXXX it doesn't make sense that it's after the fact. I feel as a one time courtsey you could at least return some of that money to escrow. He basically laughed said no they won't do that. I requested to speak with manager or someone on the matter but he said they were gone for today and I'd have to call back.
Product: Debt collection

I contacted XXXX ( XXXX XXXX ) in early XX/XX/XXXX to cancel my account. XXXX informed me I could cancel any time prior to XX/XX/XXXX ( the end date of the current cycle ) by returning all equipment. I returned the equipment on XXXX XXXX  at which time XXXX informed me there were no pending or further charges. However, XXXX subsequently charged my credit card on XX/XX/XXXX, over one month after cancelation. I disputed the charge with my credit company on XX/XX/XXXX, who in turn contacted XXXX on XX/XX/XXXX requesting evidence that the charge was legitimate, e.g., an account extract. XXXX could not provide evidence and the dispute was resolved in my favor on XXXX XXXX XXXX Following the favorable XXXX re-invoiced the charge of {$160.00} and now claims I have a past due balance. I have reported the issue to the XXXX  To-date XXXX has no proof that their bogus claim is legitimate. However they have referred the matter to a collection agency, Collection Bureau of XXXX XXXX who is contacting me via phone and mail in a harassing manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Hyundai Capitol America on  XXXX , Partial account number   XXXX   Date opened :   XXXX   XXXX   Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter  XXXX  Account history Debt included in Chapter  XXXX  Bankruptcy on XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone numbe  XXXX   XXXX   partial account number ;  XXXX , date opened   XXXX   XXXX  . I just recently traded in the vehicle in  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  keeps saying an collection on my credit report is verified but dont explain how. The company is in XXXX XXXX and I live in XXXX. I have never reside in XXXX XXXX. I have never received a bill or collection letter from this company. I have proof of where I have been living for the past 10 years. Where is the proof that I lived in the location that the services were provided? How was it verified? I had collection shield send a validation and verification letter but the company never responded within the 30 day timeframe. So how is Equifax and XXXX   validating this account? I will have to seek a lawyer to sue Equifax, XXXX  and XXXX XXXX XXXX if this fraud account isnt removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there are late payments inaccurately reported for the following accounts : XXXX XXXX These late payments are inaccurately reflected in my credit report, and I request that you correct this information immediately. I have attached supporting documents, including bank statements and payment records, to verify that the payments were made on time for the specified accounts. 
I understand the importance of accurate credit reporting and how it can impact my creditworthiness. I am confident that the correction of this misinformation will contribute to a more precise representation of my credit history. 
Please conduct a thorough investigation into the matter and update my credit report accordingly. I kindly request that you provide written confirmation of the corrections made within 30 days from the date of receipt of this letter.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} 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 XXXXXX/XX/XXXX
Product: Debt collection

Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX 202
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, I received an email indicating that my credit card with Apple ( Goldman Sachs ) had been closed because " There was a failure to comply with the terms of the Customer Agreement. '' When I attempted to call to ascertain what terms or conditions I had violated, I was told to read the terms and conditions. I am unsure if I should guess what I purportedly violated.

I have never missed a payment and have always paid promptly. I am uncertain what I could have violated. I did write to them recently to ask for a credit increase ; if there was an answer to shut the account down, I am uncertain how that was in violation. 

This also occurred when I had an issue on XX/XX/XXXX where they had been restricted by card without any information. 

I want my account to be reinstated. I have not done anything wrong. 

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

I have looked over my credit report and I have found inaccuracies that have not been removed.
Product: Checking or savings account

ON XX/XX/year> I made an online payment of {$150.00} for my XXXX XXXX XXXX XXXX XXXX  ) using my debit card ; my account showed that I had made two payments {$150.00}. I contacted Mo XXXXXXXX XXXXright away regarding my double payment, and I was informed that only one payment had been applied to my account. Upon reaching out to XXXX, I was informed that I would have to wait my time till the transaction postand until the transaction proceeds through my account. I waited, and the transaction cleared my account. I filed a dispute with Arvest Bank on XX/XX/XXXX, and when I called them today, they told me that I would need to wait XXXX  more days to receive my money back. The additional {$150.00} does not appear to be being received by XXXX XXXX ACCOUNT. IT IS JUST SITTING SOMEWHERE IN NO MAN 'S LAND. ARVEST BANK REFUSE TO HELP WITH THIS ISSUE AND HAS CAUSED ME GREAT STRESS.
Product: Credit reporting

had requested Transunion to investigate a credit inquiry for XXXXbank dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXXbank. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Student loan

I have requested that Navient formerly known Sallie Mae provide to me the promissory note for the loan that I have been paying. I have been requesting it several times and was ignored. I am requesting the original promissory note that bears my inked to paper signature that ties me to this debt. 

If they are not able to provide this documentation upon receipt I am requesting that this loan be discharged immediately and deleted from my credit file of all three reporting agencies. The listed account number is Account number : XXXX I went to www.studentaid.gov and looked for a MPN Master Promissory note and no forms were found.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and seen that a late payment was reported on an account that I have never never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for outlining the information to the best of their ability with Maximum Accuracy. For the accountXXXX.I have never been late payments. Please investigate and provide proof with statements showing the payment the account was late. If Proof Can't be provided, I demand these payments be amended to on time as they should be as I was never late. Thanks.
Product: Checking or savings account

Account Limitation Appeal ( Ref ID - XXXX ) Dear PayPal Seller Performance Team, I am writing to request a review of the limitations that were placed on my Business Account : Monejane I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to you regarding the recent blockage of my PayPal account. I have been a loyal PayPal customer for several years now and have always appreciated the convenience and security that your platform offers. 
First and foremost, I would like to express my gratitude for the services PayPal provides. It has been an integral part of my online transactions, allowing me to securely send and receive payments effortlessly. However, I am currently facing an issue with my account that I would like to resolve as soon as possible. 
I recently discovered that my PayPal account has been blocked, and I am unable to access my funds or carry out any transactions. This has caused me great inconvenience. as I heavily rely on PayPal for both personal and professional purposes. I understand that security measures are put in place to protect users, but I believe there might have been a misunderstanding or an error in this case. We are a legitimate company, operating under the name XXXX. we specialize in XXXX, clothing and accessories. We are dedicated to maintaining the highest standards of business integrity. 
I kindly request your assistance in reviewing my account and providing me with the necessary steps to resolve this issue promptly. I have always adhered to PayPal 's terms and conditions, and I can assure you that there have been no violations from my end. I value the trust and confidence that PayPal has in its customers, and I am committed to maintaining a positive and trustworthy relationship. 
I would also like to emphasize the importance of my PayPal account for my business operations. It serves as a vital payment gateway for my customers, and any prolonged blockage could potentially impact my financial stability. I kindly ask for your understanding and urgency in resolving this matter. 
I am more than willing to provide any additional information or documentation that may be required to verify the authenticity of my account. I believe in open communication and cooperation, and I am confident that we can work together to resolve this issue swiftly. 
I appreciate your time and attention to this matter. Your prompt response and resolution would be greatly appreciated. I look forward to hearing from you soon and regaining access to my PayPal account. Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ).

Dear Equifax, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block and delete all accounts, inquiries, and any other fraudulent information resulting from this identity theft from my credit file.
Product: Debt collection

Alltran Financial, based in XXXX/XXXX, TX continues to call me and my minor child on her telephone number ( listed in complaint ) as well as on my number XXXX. The numbers the individual calls from are XXXX, XXXX, and XXXX. I believe her name is XXXX XXXX? It 's hard to discern. Regardless, I have spoken with her and she refuses to provide any information about why she is calling unless I will provide personal information, such as the last 4 of my social security number. Given that I am not aware of any outstanding debts and also because I am a recent victim of identity theft ( in process of reporting and trying to sort through it all ), I am not about to provide anyone with anything. I have no way of knowing if this is a legitimate company or a legitimate attempt to collect a debt, especially because I should not have any. I have been working with XXXX and the credit card companies the identity thief took accounts out with, so I should have no outstanding issues. I have received no written communications from this company. I have received at LEAST two calls a day from this company for several weeks and my daughter receives at least one call a day. I let the individual know that she MUST stop contacting my daughter but she refused to allow me to speak, simply repeating over and over that I must give her my information. This is unacceptable and I respectfully request your help in resolving this matter.
Product: Mortgage

This is regarding me cooper, subserviced by lake view loans. 

In XXXX we signed mortgage modification papers. It stated XX/XX/XXXX our payments would resume. I went to pay online on XX/XX/XXXX and it stated a balance of {$0.00}. And that our next payment was due XX/XX/XXXX. So I thought maybe I remembered wrong. I got a call mid XXXX about our late payment. I explained the situation and requested a call back from a supervisor. About 3-4 days later I had to call again and request a call back. I received a call 4 days later on a Monday, and she left a voicemail to call her back at her personal office phone. I did, left a voicemail and received no response. I called again 2 more times over the next few days and still never got a call back. I call today to pay XXXX $ of my mortgage and figure as I get money XXXX just get caught up. Well, Im told when I call in that the manager left a note on my account that she cant do anything for me. I didnt even get a chance to tell her what happened, she just got the jist from an employee. How is that ok? Then she tells me XXXX cant just pay XXXX $ toward my payment. I need to pay it in full, or I need to pay XXXX $ today and XXXX $ for the next 3 months. I could do that, but not in lump sum amounts. So I cant pay my mortgage. I literally have no way to, they can have me come up with XXXX $ out of the blue, or have my bank bounce and I go thousands of dollars in debt, they wont let me simply pay it off one step at a time. How is that legal? Then the employee has the gall to suggest I sell my home. When Im LITERALLY TRYING TO PAY IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is your policy to keep reporting bankruptcies which are filed or adjudicated for 7 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to hire a company to help me invest in a portfolio. They did not provide the service and never created a real investment account. After realizing I was not going to get my service, I reported this to my bank and was told there was nothing that can be done.