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

On XX/XX/XXXX I opened a checking account with Bank of America online. Once the account was opened I set up direct deposit for this account for my employer and also set up mobile banking everything was confirmed. On XX/XX/XXXX I received an email that my debit card was on the way. I tried to log into my mobile banking app and was told that they couldnt locate my account. I received my debit card on XX/XX/XXXX and attempted to activate the card and was told that the card number couldnt be found. XX/XX/XXXX I reached out to Bank of America to find out why I couldnt activate the debit card and it was at this time I was told that the account closed due to my identity couldnt be verified. I was never notified by Bank of America that they couldnt verify my identity. This is all happening during my pay week. Fast forward to Friday XX/XX/XXXX and my direct deposit is sent to this closed account. I called Bank to inquire about the deposit which they confirmed was pending which confused me because the account was closed. I was then told that a hardship request can be filed and I could go into my local branch to receive my direct deposit but when I get to the branch I was advised that is done via the customer service center and we placed a call to the contact center and spoke to a rep that advised me that the hardship withdrawal couldnt be done due to the transaction was still pending and I would have to wait until Monday to get any type of resolution which I advised him that was unacceptable because I was told that it could be done and also why would the bank accept a deposit for a closed account. He couldnt answer the question and tired to end the call I then requested a manager. XXXX  took over the conversation and was unsympathetic and cold she went on to explain that deposit was pending and nothing could be done. I also asked why the account was closed which no one can explain why.
Product: Credit card

I went to the XXXX XXXX store to finalize the contract for a kitchen home remodeling project. I was in the process of paying for the project with a combination of credit cards. All the credit cards went through successfully except for FNBO 's who denied the charge, blocked the card, and accused me of attempted fraud. These accusations continued and escalated. The first contact I spoke to said, " A lot of people are purchasing gift cards with credit cards at XXXX XXXX and XXXX. '' Then, in a follow-up phone call I received from them, ( I am paraphrasing ), " If you you are involved in any more scamming activities ... '' Then, in a letter I received from them, " and you are associated with other persons who are doing so. '' These accusations escalated even after and despite my complaint to a higher managerial person about the false accusations. I, as well as the XXXX XXXX kitchen designer, were appalled at the initial rudeness and obtuseness of the initial customer service rep of FNBO. The fact that a manager did not put a stop to these accusations, and perhaps is a force behind their continuance is also appalling. There is a stark level of difference between FNBO and all the other credit card companies. I am not exaggerating when I say that I perceive that this company is dangerous to customers.
Product: Credit card

I had a credit card dispute for a XXXX transaction with a company called XXXX XXXX. They had essentially me for a box withing their 5 day return policy window, so there was no way to actually cancel. XXXX XXXX also did not refund me. I went to Wells Fargo for a dispute on my card and submitted information regarding the dispute. Wells Fargo eventually got a response from the company and to my surprise immediately closed the dispute. They essentially did not allow me to respond to the company. All of what the company sent was irrelevant to my particular issue. When I called Wells Fargo, the rep initially told me that they contacted me and did not receive anything from me. Then when I started asking questions, she said that actually when a dispute is filed, the cardholder is expected to input all information and that if the company responds, the cardholder does not get a chance to respond to that. This is very unreasonable especially if the company gives evidence, but you in turn have evidence to counter them. This is a very unfair practice. I've had disputes using my XXXX card and they allow back and forth information from both the cardholder and the company. Wells Fargo is essentially giving preference to merchants it would seem which makes it a very unfair dispute process.
Product: Credit card

On XX/XX/year> I received a call from XXXX from Chase Disputes. XXXX informed me that she is a XXXX and the highest form of escalation at Chase. She was incredibly rude to me and my wife and she hung up on me. XXXX refused to answer questions about why my dispute was denied and she refused to answer questions about the process. In the end, she hung up the phone, even though I had to wait XXXX hours for her to give me a call back from Chase. XXXX should be ahsamed of herself for the poor customer service that she has deilvered and for failing to do her job. By hanging up on me, she effectively made it so that I needed to request a callback from a different XXXX and wait an additional XXXX hours for a call back. 

In addition to hanging up on me, XXXX provided me with erroneous information.
Product: Checking or savings account

n accordance with the Fair Credit Reporting act Bank of America Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of this account. Block and remove it. 
XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification with Sterling National Bank on XX/XX/XXXX - I was approved on XX/XX/XXXX I made 4 payments based on the e-mail which is not a legal document waiting for my loan documents to be prepared. After asking every month and keepp hearing we are waiting for the assumption to be done. Which was done already in XXXX and they have all the papers. I was denied after waiting 14 months i was not making payment beciase I did not feel secure sending them money for them to finally turn around and deny me. I now have to file Chapter XXXX bankruptcy in order to keep my house. But the bank Sterling still say they would be willing to give me another modification. I think they just are trying to string me along. My health has siffered becuase of this whole ordeal. I tried calling the bank they wont talk to me they want to talk to either my dead mother or father and state they do not have any documents showing I am on deed when my county does. 

Really messed up bank. I do not know how they can get away with this.
Product: Money transfer, virtual currency, or money service

I used XXXX with my old Chase account around XXXX year. Chase was my main bank I used at that time. XXXX day I was at work and go a call on my cellphone from Chase bank. stating someone was using my debit card at a XXXX in XXXX, FL. The person asked was it me. I replied no it is not. Since the person of Chase, called my cell phone, I immediately called that same number from my job phone to verify it was Chase, and it was! Proceeded to say I needed to XXXX money to my son so the person could not use my debit card. I ended up sending XXXX $ through XXXX to my son. Which in return he never received the money. I was scammed. I called Chase once I figured out what happened, but it too late my money was gone. Chase did nothing to help me retrieve money. They even insinuated I took my own money! Chase told me it was nothing that could be done because no one logged out of my account from somewhere else. I was told they are not affiliated with XXXX.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been held up in underwriting now due to the way Shellpoint has reported the mortgage. Why is this loan reporting as in forebearance? It was removed I have had to call up and email about this multiple times in the last few weeks. 
This is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL THE FOLLWING UNAUTHORIZED FRADULENT INQUIRIES FROM MY ACCOUNT - 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 IAM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL OF THE UNAUTHORIZED FRADULENT. I have filed a police report
Product: Checking or savings account

On XX/XX/XXXX my card was charged {$600.00} ( XXXX transactions of {$100.00} each ) at an Ohio lottery machine at XXXX on XXXX XXXX XXXX XXXX XXXX Ohio XXXX and then {$76.00} at a XXXX  gas station. I realized This error on XX/XX/XXXX i immediately reached out to my bank ( chime ) via phone at approximately XXXX to dispute my charges. My dispute was denied at XXXX am XX/XX/XXXX due to them not seeing an error has occurred. I called in again and was Instructed by team member XXXX on XX/XX/XXXX to request my claim be reopened pending my evidence being submitted stating i was Physically at work when the charges were being made along with a police report. Ive submitted both forms and my claim was denied again on XX/XX/XXXX with reasoning that they still see no error occurred due to me paying my bill of XXXX to XXXX XXXX XXXX is being the same spending activity as buying {$600.00} in lottery tickets which is not correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

XXXX XXXX, 2016 : I sent a payment of {$5000.00} to SLS, with clear instructions to apply {$1500.00} to my monthly payment and {$3400.00} to principal. 
XXXX XXXX, 2016 : I checked my account transaction history via SLS website saw that the amount {$3400.00} had been applied to next month 's payment and principal. 
XXXX XXXX, 2016 : I called SLS to inquire about the misapplication of the additional money sent. I neglected to get the name and ID number of the agent I spoke with. I asked why my funds were not applied as instructed. The agent 's response was that she did not know, but that she would open a ticket to have the money reapplied correctly that day. During this call, I also made XXXX phone payments in the amounts of {$23000.00} and {$23000.00}. I gave instructions for these payments to be applied towards principal. The agent informed me that the transactions would be completed this day and gave me the following ticket numbers : XXXX and XXXX. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I learned that the amount of {$3400.00} still had not been reapplied correctly and the amounts of {$23000.00} and {$23000.00} were placed in an " unapplied/suspended '' account. I called SLS and spoke with XXXX ( worker ID # XXXX ) ). XXXX said he did not know why the funds had not been applied correctly and that the tickets opened the previous day were still open with this day being the target completion date. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I saw that the funds of {$23000.00} and {$23000.00} had been applied toward principal. However, the amount of {$3400.00} was still applied to future payments and interest.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I went to the local branch of Bank of America in XXXX, NJ, to make a payment on my credit card. I was told to use the Bank of America ATM located there. I inserted the money, {$730.00} in cash, and attempted to make a payment, when the machine came up with an error notice and informed me that my cash would be returned. A few seconds later, another error came up on the screen that said, '' unable to return your money ''. It then printed out a receipt with a contact number for me to call. I went up and spoke to a teller who told me the money would be found that night when the ATM was opened. I then proceeded to call the number listed and was told that there would be a credit within 48 hours to my account for this money. After 48 hours, there was still no credit. We called again and were told it would take seven days. After seven days, I still had not received the money or a credit to my account, so I again called and was informed that I would n't be getting the money back, it was n't their problem, and I was on my own. When I asked about interest fees and my credit report, I was told it was n't their problem. I called the local bank manager, and he gave me another story. He told me that the money would be credited since they found it, and they would take care of any fees associated with it, credit issues, etc. but to give him another few days for it to be done. On Monday, XX/XX/XXXX, I received a call from the bank manager, XXXX, again. He told me that everything was taken care of, and the credit would appear on the account within 24 to 48 hours. I waited until Friday, XX/XX/XXXX, and the credit still had not shown up. When I called up today, XX/XX/XXXX, I  was told that I had no right to be upset or worried, and that the credit would show up, but for now, there is no timeframe for it to happen.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Unauthorized Hard and Soft Inquiries Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and entities that have made unauthorized hard and soft inquiries on my credit report. These inquiries were conducted without my consent or any legally valid reason, and their presence has negatively impacted my credit profile. I seek immediate corrective action and enforcement of the relevant laws. 
1. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, a consumer report may only be furnished for specific permissible purposes, such as when there is a valid contract, a written authorization from the consumer, or for purposes specifically outlined in the statute. The following hard and soft inquiries were made without my authorization or any legally valid reason : [ List of unauthorized inquiries, e.g., XXXX XXXX, XXXX, etc. ] I did not initiate these inquiries, nor did I provide any explicit consent for these companies to access my credit file. The continued presence of these inquiries violates the FCRA and damages my credit standing by lowering my credit score and creating inaccurate information. 
2. Impact of Unauthorized Inquiries Hard inquiries, in particular, can significantly lower a consumers credit score, and soft inquiries, while not always visible to other creditors, still reflect improperly on my credit history. The presence of unauthorized inquiries misrepresents my financial activity and negatively affects my ability to obtain credit on favorable terms. 
3. Legal Remedies and Violations of the FCRA The unauthorized inquiries constitute a violation of 15 U.S. Code 1681b, and I am entitled to remedies under 15 U.S. Code 1681n ( willful non-compliance ) and 15 U.S. Code 1681o ( negligent non-compliance ). These include : Statutory damages of up to {$1000.00} per violation. 
Actual damages for the harm caused to my credit standing. 
Punitive damages for willful violations of the FCRA. 
Recovery of legal fees and costs associated with disputing these inquiries.
Product: Mortgage

I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a verification letter to XXXX XXXX XXXX and received a screenshot of a statement. I informed the collection agency ( XXXX ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX and XXXX removed the said inaccuracy/ violation however Experian started that XXXX said to keep it on my credit report because they said it is accuracy. I also requested to see the document XXXX   submitted and they confirmed it's the same one they sent me. After speaking with three individuals from Experian ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact XXXX  and see if they can remove it.