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

My name is XXXX XXXX and many years ago ( XXXX ) I opened a custodial account for my granddaughter XXXX XXXX . I am trying to access her funds and move her money to another bank. 

I called today, and talked with XXXX from Utah and she told me that she couldnt fully access the account and recommended that the account owner go to the banking center and provide information such ID and social security card. The issue here is that my granddaughter, XXXX XXXX is under age and doesnt have a state ID and also lives in a different state than me. I was instructed for XXXX XXXX to go to the bank with her guardian. However, being that my ID is whats on file, not sure if that will be an issue for my granddaughter. 

Another issue is that there were many errors when this account was opened. Apparently, the ID on file is mine ( XXXX XXXX ) but the account was opened only under XXXX XXXX. 
How is this legal to open an account to an under age child? As the sole owner. Because now they are saying she is the sole owner of the account. So she was under 10, when Bank of America opened this account. All along I am thinking it was a custodial account. Unless it opened as a custodial account and somewhere along the line BOFA switched it. 

I need your help in recovering the funds I have been depositing into this account. Currently theyre {$1300.00} in this account. 

The are telling me that since the account went dormant due to inactivity and the funds eventually will go to the state. I need help in accessing the account. Please investigate their practices as this was an error on their end and now they arent willing to assist in helping me with a resolution. Account number is : XXXX
Product: Checking or savings account

On Thursday, XX/XX/year>, I applied for a loan online via XXXX, which is a broker that connects borrowers to lenders. Immediately, i received both a text and a call from XXXX XXXXXXXX XXXX XXXX XXXX 

A representative by the name of XXXX XXXX, a loan officer at XXXX XXXX, called me and said I may be qualified for a XXXX, XXXX loan. He proceeded to ask me for my bank account information, routing number, account number, so that he could connect XXXX XXXX XXXX to mine in order to do a transfer. He proceeded to deposit {$500.00} into my account, and said I need to withdraw the money and repay him as that's for insurance. I did that. Then, he said because my credit score of XXXX did not meet the criteria of XXXX to get the loan, he's going to deposit more funds into my account to boost the XXXX XXXX. XXXX made numerous deposits from {$99.00} to {$500.00}. He also proceeded to file claims on charges with the Chase bank, who then reverse the charges and provided temporary credits. XXXX stated that the increase in my account of {$1000.00} was his money, which I needed to return to him, which I withdrew {$1000.00} to return it via a XXXX ATM. Once that's complete, his firm would transfer the {$9000.00} loan. This never happened. 

As it turned out, XXXX XXXX scammed me of not just the {$1500.00}, but as XXXX looked into the numerous deposits they made into my account, they turned out to be fake deposits. 

I need help recovering the {$1500.00}, plus the fake deposits of {$1600.00}, which XXXX said I'm responsible for even though they confirmed these were fake.
Product: Debt collection

I obtained a credit card while living in Kentucky. In XXXX I became delinquent due to not working while XXXX going through XXXX and XXXX. The credit card was a secured card for {$200.00} so I had {$200.00} already on deposit with the credit card company ( XXXX ). Even though I had prepaid the {$200.00}, when I was able to go back to work I paid well over the {$200.00} to the collection agencies. XXXX collection agency was XXXX XXXX then it changed to XXXX.in XXXX. Now XXXX XXXX from XXXX XXXX XXXX XXXX. ( XXXX ) is calling and when I tried to explain what happened and that I had paid he said he did n't care if I had paid and said I owe them {$1500.00} ( on a {$200.00} secured card. ) He threatened to take me to court. The company has made multiple calls in the same day and has even before XXXX. and at least twice after XXXX. I have paid over the {$200.00} and it is my understanding that when you enter an agreement in the state of Kentucky there is a 5 year statue of limitation from time of delinquency but he 's saying he has until XXXX of this year.
Product: Student loan

I was struggling and requested a forbearance and they gave me one but then reinstated it I asked them to extend it a few more months and they said they would but never did. So now I have missed payments that are affecting my credit=. I asked them to remove it and they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

information is invalid on my credit report I've noticed a lot of incorrect information. I am disputing all inaccuracies on my credit report with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

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

This is my 7th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Portfolio Recovery calls every day at least 10 times each day this harassment needs to stop immediately. There are no debts owed for collections and no debt collections on my credit report. This company has been calling since year XXXX. I have had to install and are still paying for XXXX service to silence these calls due to the amount of times a day this company calls. This company needs to remove my phone number from their call list. I have a right to have peace especially after over XXXX  years of calls to my phone number everyday multiple times. Please advise if there is another avenue in handling this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you onXXXX lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!
Product: Debt collection

Went to check credit report in hopes to buy a home and noticed One Main on credit file. Called company One Main Financial because I recently received a notice of garnishment. I was a cosigner on loan. I noticed on my credit as well as the actual borrowers credit report the debt shows as a charge off and written off for {$6600.00}, which says updated in XXXX of XXXX. It also shows updated balance of {$7400.00} as of XXXX XXXX. When stated to rep she said it was not. It was said back to her, " Why are you guys reporting this in this way on credit report? All I want is the XXXX that should have been sent. '' She stated it was not available because it wasn't actually written off. I said so you lied on top of trying to collect it from the borrower and myself? She then stated I need to speak with XXXX and she wasn't the best to ask about this. The XXXX I had to look for on court docs because she gave wrong number. Called XXXX XXXX on XX/XX/XXXX. I tried calling lawyer office after with no answer. This all concerns me because I feel they a lying and misleading with no clear answers.
Product: Debt collection

On XX/XX/year>, I reviewed my credit report when I saw an account on my credit report that was opened on XXXX from XXXX XXXX XXXX in the amount of {$1400.00}. This caught my attention because recently this has began to report late payments on my credit report affecting my credit. I reached out to XXXX XXXX about this alleged debt and asked for information along with a contact bearing my real true signature. I was told that this alleged debt was transferred to a third party named XXXX. On XXXX, I contacted an agent with Investinet named XXXX about this alleged debt and also asked for a contract with this company with my real signature along with a contract. XXXX stated that he could not give me any information on this alleged debt and that I should wait XXXX days to call back as he could not give me any information. That is against the law. I am requesting validation of the debt, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please be aware that any negative mark found on my credit reports from your company or any company that you may represent, for a debt that I dont owe, is violation of the FDCPA. Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Please note that this is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary.
Product: Checking or savings account

problem started with this bank in XXXX of XXXX  when i deposited a check that i was under the impression was a good check, well the check wasnt any good and bounced back and the bank decided to close the account at this point they were trying to take too long closing the account and sending me a check for the balance that was in my account at clouser so i had to have my attorney send them a stern letter demanding the process be sped up as i neeeded the funds to pay for my mortgage, and medical bills that are past due at this point. after they receive the letter the cashiers check was aqt my home no llonger then 3 days. and thats where the real problem has started with this horrible bank. since receiving the check for the amount of {$5500.00} which was the balance in my account at clouser there has been issue after issue with trying to have it cashed, first off im in a nursing home being treated for XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  so to make thimgs simpler for me and my familty i have given ny son power of attorney over me the documment has been properly executed and notarized along with two witnesses signatures but the bank is refusing to accept it. my son has been to multiple branches and recently had to pull me out of my nursing home where im receiving treatment to drag me to a branch to have this issue resolved to no avail his most recent visit to a branch eneded with them callling the cops on him for no reason which was just another form of XXXX XXXX  to say the least they are refusing to accept a valid POA document and demanding that i risk my health to come to a branch when i should not have to do so i am a XXXX XXXX XXXX man already not in the best condition but they want me to risk my health to step into a branch when my identity has been confirmed multiple time with them through a notarized id verification for and state id submitted to them at their request something needs to be done as im about to lose everythinmg possibly even my life as they are about to stop my treatment because i havent made any payments since XXXX becase this bank is bliocking my son and myself from cashing a check that is rightfully mine and every hoop my son jumps through they come up with something else and it's jepordizing my healt, life, and eerything else i have worked for in my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT XXXX CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for the consumer 's right to privacy 15 USC 1681 604a section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX accountXXXX XXXX XXXXXXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax remove this account as per enclosed document
Product: Credit card

I'm reaching out to get a refund. I have been trying to since XXXX now and unfortunately XXXX  and XXXX  XXXX  don't seem to want to work with me. I have been in XXXX  after reaching out multiple times for support in regards to jaw pain from XXXX XXXX. Without attachments byte is a scam and doesn't work causes more harm then good I submitted a consumer complaint to my state and will look into legal options they closed down future sales a few weeks after I purchased didn't even move past 2nd aligner the pain was horrific. I tried disputing with XXXX XXXX and was told XXXX  was unwilling to refund. I'd like to avoid a lengthy process and simply receive a refund my XXXX  sets are still in packaging other then first two. have no problem sending them back but won't put them anywhere near my mouth have had 0 pain in jaw with XXXX  but was told by your guys support that it was normal and to continue trusted my gut and didn't wear. At home XXXX  are dangerous not well monitored and XXXX  is engaging in predatory and misleading advertisements failed to meet my needs as a consumer even after complaining about pain on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below : XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We recently paid off our HELOC. We have been getting statements regularly from them for a few months. Called to close the account and was told that we need to pay a fee to draw up the papers to see if we could close it. I complained about this and the representative said they would draw up the papers and waive the fee. I just got a statement from them and it says they want us to pay XXXX separate fees to close the account. This was not disclosed to me and seems wrong. The statement clearly shows XXXX due. I should not have to pay for them to close the paid up account.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.