23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a debit card from USbank without requesting an account. I do not need this card ( ReliaCard ), as I dont qualify for any government assistance, nor did I give them permission to open an account on my behalf. They seem to have my personal information. No one will answer any of the numbers, but put you on hold for hours. The USbank reps say they cant help with ReliaCard. I want to close this account, but by not answering my call, they are refusing. The paperwork says they can begin sharing my personal information within 30 days. The only way I can stop them from sharing my information is by activating my card with a CONFIRMATION of my social security number and PIN. 

This is an unfair business practice! 

Please help me cancel this account.
Product: Checking or savings account

My mother died early XXXX XXXX As XXXX, I began initiated attempts to access her checking and savings accountsat 5/3 XXXX  Bank in XXXX I provided the XXXX XXXX XXXX  and a letter with instructions for the institution written by mother 's XXXX XXXX XXXX XXXX  of the 5/3 office on XXXX XXXX XXXX XXXX XXXX XXXX. He told me that I " would have to go to court '' for the money. I was frankly, dumbfounded. He refused to give me any alternatives or offer an explanation. 

Over the next weeks in conversations with my mother 's home branch in XXXX XXXX XXXX I was told that the account was in my brother 's name, " we can't talk to you '' ; then, 'Oh, a mistake was made, they're working on it, I'll get back to you by the end of the week. '' Calls did not come, and it was I that reached out again, to be told, " Oh, a mistake was made, we're working on it. At no time was I given access to those " working on it, '' or frankly, what it was they were working on. At no time was I sent documents that anything was being " worked on. '' A After a month, I was told by a receptive manager at the XXXX XXXX XXXX was ready, and that my local branch on XXXX XXXX XXXX would be prepared when I arrive. I should arrive with the documents. 

I arrived mid-XXXX  on XX/XX/XXXX, roughly a month following my initial visit, with the same documents. The manager wasn't prepared for me, in any sense of the word ; in fact, he was disinterested, in virtually every sense of the word.I was told : " Oh, I've been busy with my XXXX XXXX all day ; '' that I would " need an appointment ; '' that he had never done " this kind of paperwork before. '' So I sat while he contacted the XXXX XXXX office manager and she walked him through working with the same documents that I had brought to his office a month prior, and been told, " You'll need to go to court. '' The transfer of my XXXX XXXX XXXX  was accomplished. The manager then asked, " Is there anything else we can do for you? '' in the most disinterested manner possible. And I replied, " Yes. The next time so you're presented with a task unfamiliar to you, simply say, 'This is new to me. Let me call someone who might know more. ' Telling a person they'll have to 'go to court, ' that is not acceptable. '' The manager apparently did not appreciate my message, or my attitude, because he jumped up, yelled, " Leave my office, now! '' and then yelled for the guard, claiming that, " This man is throwing furniture! '' XXXX XXXX  were called, whom I frankly welcomed. In the meantime, the manager is shouting in the background, " You'll never come back here again! '' I walked outside to await the officer 's arrival. Following that conversation, I left the property. 

Needless to say, I have no desire to have anything to do with 5/3 Bank again, other than filing this complaint and obtaining possession of the belongings stored in that office 's lock boxes. I have never been so frustrated, so angry, and so humiliated in my life. 

And I would like to hear from 5/3, which does not seem the least curious about why a customer would be irate over being told, " If you want your money, sue for it. ''
Product: Vehicle loan or lease

Around XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX. When purchasing this vehicle I traded in my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The XXXX I owed XXXX dollars on still and the XXXX XXXX I did not owe any money on at all. When purchasing the XXXX XXXX XXXX the car was {$22000.00} end of purchase even after trading in both of my previous cars in which the XXXX they gave me a trade in value of {$8000.00} and for the XXXX XXXX they gave me a trade in value of {$5000.00} the price did not change even with my trade ins. I was told the entire time by the salesman XXXX and the manager XXXX that the interest rate was only 10 % so I went a head and signed the paper work and purchased the vehicle. A month later when I looked through the paper work I came to realize they both falsified information and mislead me. The interest rate on the vehicle was not 10 %. It was 25 % meaning I didn't buy the car for {$22000.00} at the end of the loan that would make me owing the financer XXXX XXXX  {$46000.00} I soon realized this was a down fall and a used car is not worth that kind of money. This lead to a repossession. The reposession came about due to false information and being misled not only by the salesman XXXX but also by the manager. I would like to have this removed from my credit report seeing that it honestly is not my fault that a salesman and a manager misleads customers.
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I went to make a deposit to the atm of us bank at XXXX XXXX XXXX XXXX Ky XXXX. I logged into my account and proceeded to put my large bills in first since the machine states it only accepts 50 bills. The machine totaled my bills to {$1500.00} the. Asked if I had more bills up to 20. I placed the remainder of my bills in the atm. It cont to process until it timed out and the machine reset to the home page. No recipt was given and I immediately checked my account and the funds were not deposited. I immediately got on the phone and called the customer service line the lady told me I would have to wait 24 hrs to see if the deposit adjusted at midnight when the machine was serviced. I waited until XXXX XXXX  when the branch opened and filed a complaint with the branch manager XXXX XXXX who told me they dont count the machine until wed or thur bases on staffing she did file a complaint and gave me a copy with her info and told me to follow up with the customer service number in the morning to cont with complaint if the funds didnt show after midnight. 
On XX/XX/year> I called and was told that I would have to wait 10-45 days for them to complete an investigation into the claim. 
I believe that they are committing a fraud against me to be holding my funds and not attempting to complete an audit of the machine in a timely manner to resolve the issue. I used a service that they offer and am being punished for their incompetence. I need my money to pay my bills and they are not taking my claim seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

2015 credit for the amount XXXX online mobile loan. I dont recall on this loan at all.
Product: Debt collection

information is being reported on my consumer report without my written permission which is a clear violation of my rights as a consumer per 15 U.S. Code 1681a see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :   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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my updated credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$290.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXXBalance Owed : {$2200.00}
Product: Mortgage

My wife and I applied for a mortgage loan from Arvest Bank in XXXX, OK. We started the process on XX/XX/2022. During the process Arvest Bank required us to pay a {$500.00} deposit that would be refunded once the loan closed. We promptly paid that with our credit card. The loan closed on XX/XX/2022. Since then we have tried several times to get our {$500.00} back. It has now been XXXX weeks since the closing and we have had a variety of excuses but have not received the check. If the bank had any concern about customer service they would have credited this amount at closing. 
Apparently we need help in getting the {$500.00} refund.
Product: Checking or savings account

I have a business checking account with Bank Of America which was opened over 5 years ago. Unless I keep a balance of {$3000.00} Bank Of America charged my account number ending in XXXX {$16.00} monthly. It was hard to maintain 3000.00 monthly. 
Now it got worse ; the new requirements now is to maintain {$5000.00} It has been difficult to maintain {$5000.00} so Bank of America keep charging my account {$16.00} monthly. 

I tried talking to them but it is of no use. 
The monthly charges of {$16.00} continue to no end. 
From XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XX/XX/2022 @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or about XX/XX/2020, Freedom Mortgage made a payment to our county tax office for property taxes for {$3000.00}. The amount they should have paid is {$720.00}. This amount is approximately 2 1/2 years of property taxes, and as a consequence, this action, our escrow account is way overdrawn. Also, I am due a refund for the escrow account overage in the amount of {$2800.00}. This has not been refunded to me as well. As a consequence, Freedom Mortgage has caused me to sustain a loss of {$5100.00}. Phone calls to their customer service office yield no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report currently shows a collection account from XXXX in the amount of {$3400.00}. The account was disputed and deleted as result of the dispute. The account was added back to all XXXX credit reports on or around XXXX XXXX, XXXX and the credit bureau failed to notify me within the 5 business days following the unverified account being reinserted as they are supposed to as instructed by the Fair Credit Reporting Act section 611. I have referenced the law as it pertains to matters of this kind below. 

FCRA XXXX XXXX ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph XXXX XXXX XXXX, the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

XXXX ii XXXX Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Checking or savings account

I have been a Wells Fargo customer for about 25 years to date. During that period I was charged excessive fees, I applied for loans, applied for credit cards, I was denied each time I applied for a service with this bank, I still have a current checking and savings. Even though I did all my business with Wells Fargo bank they still denied me services. I was provided with a debit card and that was the extent of what I was provided with.
Product: Credit card or prepaid card

On XX/XX/XXXX my automatic payment was scheduled to go through. On XX/XX/XXXX I received via email from synchrony bank a confirmation that the payment went through. Apparently the payment did not go through and I received no further communication from the bank, only the original confirmation that everything went though ok. Today I received the first and only call from them to which I logged in immediately and submitted a payment, but my account had already been charged a late fee, my account had been closed and the credit services notified. In other words they notified the credit bureau and not me. I got in contact via phone with a customer service agent from the bank to fix the issue, and even after escalating the issue with the manager she claimed that they can not re-open the account, only submit the suggestions to the consumer resolutions team, but that in no way guarantees a solution.
Product: Student loan

I recently heard Pennsylvania filed a lawsuit against Navient for unfair practices. Upon investigation of my own loans I have discovered that my original loan balance for my federal and private loans was {$59000.00}. My privates loans were for {$37000.00}. I have made {$29000.00} in payments of which {$19000.00} has gone to interest with {$9900.00} going to the principal. My current balance is {$29000.00}. My first federal loan was for {$9800.00} I have made {$5400.00} in payments with {$4400.00} going to interest and only {$960.00} going towards my principal. After being forced into forbearance my current balance is {$11000.00}. My second federal loan has a starting balance of {$12000.00}. I have made {$6900.00} in payments of which {$5600.00} has gone to interest and only {$1200.00} has gone to my principal. After being forced into forbearance my current balance is {$14000.00}. Navient states my current balance owed is {$54000.00} which doesnt even take in to account the {$42000.00} in payments I have made. {$29000.00} has gone to interest with only {$12000.00} going towards my principal. I have called Navient at least once a week trying to get explanations about how my payments are applied and I get no real answers in return. My private loans are in an interest rate reduction program. I was recently told that my payment of {$250.00} was divided between the interest of {$230.00} and {$20.00} going to my principal. I have been trying to get on an income based payment but I can not afford the payment because they add me and my husbands income together and come up with an outrageous amount for me to pay. I am now trying to apply for an income sensitive repayment program which Im being told will take my husbands income into account also so I wont be able to afford the payment again. I want to know what happened to all the money I have paid and why my balance only reflects a {$5000.00} difference when according to them I have paid {$12000.00} on my principal. I have asked for documents and copies of my promissory note and was told they would be in the mail but I have never received any documentation. I also asked for proof that my father co-signed my loans and have never received that document either
Product: Credit card

I specifically told the agent someone ordered an XXXX cancel the transaction it wasn't me. That's all! I made sure I told him DO NOT MESS WITH MY ACCOUNT IF IT WILL CAUSE ME TO NOT HAVE ACCESS TO MY MONEY!! STOP PAYMENT ONLY OR NOTHING AT ALL!!! HE IGNORED ME CANCELLED MY CARD MY APP LOCKED ME AWAY FROM MY MONEY PERMANENTLY. I STATED I HAD JUST LOST MY ID CARD SO DO NOT DO ANYTHING THAT WOULD JEOPARDIZE MY ACCESS TO MY MONEY!!! THESE HORRIBLE PEOPLE NOT ONLY LOCKED ME OUT BUT HUNG UP IN MY FACE DENIED ME ACCESS TO A MANAGR CAUSED ME GREAT ANGUISH OVER THIS IM A XXXX  WITH A XXXX XXXX IN ANOUTHER CITY FROM MY RESIDENCE FIR THE HOLIDAYS THEY WERE AT FAULT AND ON TOP OF EVERYTHING ELSE- THE CARD HE CANCELED MY WORKING CARD FOR ISNT EVEN VALID THEY SAID I WASNT ABLE TO USE THE NEW CARD EITHER WHEN EVER ID RECEIVE IT!!! XXXX!! JUST FOR A STOP PAYMENT????? THEY ARE STEALING MY MONEY AND REFUSING TO GIVE IT BACK!!! WHAT I TRIED TO AVOID I JUST WANTED TO STOP PAYMENT AND IT TURNED INTO A HORRIBLE TRAIMATIC EXPERIENCE THAT GAVE ME XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX AND DAYS AND DAYS OF UNBEARABLE UNDESERVING STRESS. AND LEFT ME STRANDED AND PENNILESS. I ALREADY SENT MY PHYSICAL ID A COUPLE OF MONTHS AGO SO ITS ON FILE AND I SENT THAT COPY TO THEIR SECURE EMAIL TO THEIR SECURITY DEPARTMENT.
Product: Debt collection

Midland Credit Management calls my office on a daily basis. Most of the time they hang up as soon as we answer, other times they ask for me stating that they have an important business matter to discuss with them. I do not owe them any money, no debt is reflected on my credit report, and I have asked them several times to refrain from calling me - especially at work, and they refuse to listen.
Product: Checking or savings account

The company closed my account in XX/XX/year> and I've never received my funds they closed all accounts checking and savings and Credit Card account I only received XXXX and the remaining is XXXX from my credit card account it was XXXX in my checking I used XXXX to purchase a car that's it and XXXX in my savings! Please send my money this was from my mom I was her XXXX when she pass!
Product: Credit card or prepaid card

I have a direct express card. My card is locked, I access my money. I called on XX/XX/XXXX talked to them did what they said, for 8 days no one has answered the phone. XXXX dollar on my card I can't get, my elec. and water shut off. Still can't get an answer from Direct express customer service.
Product: Debt collection

This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I sent TransUnion a dispute letter asking for them to verify some negative items on my credit report from a higher standard than a computer generated inquiry, or third party association. I informed TransUnion, that if for any reason that they verify any of the disputed items as being accurate, that I want them to provide me the original documentation that I signed, pursuant Section 609 of the Fair Credit Reporting Act that states the creditors must provide the Credit Bureaus a copy of the original documentation. TransUnion received my dispute letter on the XX/XX/XXXX on a Friday, and has failed to respond within 30 days, therefore the items I disputed are unverifiable, and must be deleted. The proof is attached to my complaint.