23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The status of this account is incorrect. It says it open when it is closed. When XXXX XXXX XXXX charged my account, they decide to cancel the debt completely. When this happens, I'm no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. To conclude the company validated this account. I ask for a physical signature and social security number
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Bank account or service

I have XXXX bank accounts with Chase bank -- XXXX checking account and XXXX savings accounts. I recently got married ( in XXXX 2016 ) and called Chase to see what I could do in order to change my name on my bank accounts to my new married name. The instruction I received from customer service was to go into a branch and present my name change documents. The problem is that I live in Tennessee and there are no Chase branches in the state. I asked for the alternative process and was told that I could receive a signature card and letter in the mail ; I would need to sign the signature card and provide the copies of my name change documents through the mail. This sounded reasonable, as it was the same procedure as visiting the branch, just through the mail. The next day, I received a phone call from a supervisor who told me that the letter would not be able to be sent to me until the Research Department approved it. It has been nearly a month and the Research Department still has n't addressed my request. Every time I contact the bank via online message or by calling, I am told there is nothing they can do to help me. I was told that one of the hang ups was the fact that my son is joint with me on one of the savings accounts and he would have to provide an ID in order for the Research Department to consider allowing me to submit my name change documents. He is a minor and does not have an ID. The bank did not require him to have an ID when we opened the account -- that is why I am on the account with him. I do not understand why his ID ( or the approval of a minor ) would have anything to do with me being able to change my name because I got married. Coincidentally, I called customer service today -- because I got the message from online banking that they could n't help me and referred me there -- and closed the account on which I am joint with my son. I closed the account OVER THE PHONE, without any approval or correspondence from him! That makes absolutely no sense! 

My issue is that my bank accounts have my maiden name. My legal identification has my married name. I tried to use my bank card at a merchant and was asked to present identification to validate my authority to use the card. The identification I presented did not have the same name as the bank card. I was accused of potential fraud for using another person 's card -- but, it was my own! All I want to do is change my name on my bank accounts and the bank will not allow me to submit any documentation to do so. The closest branch to me is XXXX miles, one way. That seems egregious to request that I drive nearly XXXX miles round trip -- just to change my name on my accounts! 

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

am XXXX XXXX Explanation of my income and tax situation The receipt and transfer of money on the wise app are all operated by myself and no violations or risks On the afternoon of XX/XX/2023, wise suddenly closed my account without giving a reason, so that I could not log in to the account and did not know where the funds had gone The current balance in the wise account is about {$17000.00} Without giving the reason for the account closure, I hope it will be handled properly. 

Wise XXXX XXXX XXXX / XXXX I need your help, help me with the money that will be mine Here is the information about the company withholding my funds : Wise Payments Limited is a company registered in XXXX and XXXX with registered number XXXX. Wise Payments Limited is an Electronic Money Institution authorised by the XXXX XXXX XXXX with firm reference XXXX. 


thank you XXXX XXXX
Product: Credit card

I overpaid my credit card by {$130.00}. Bank of America ( BoA ) issued me a refund check of {$130.00} on XXXX XXXX XXXX to bring my account balance to XXXX. BoA then closed this account when it sold this credit card entity to XXXXXXXX XXXX 
Unfortunately, the refund check was not delivered to me until XXXX XXXX  due to postal delay. As the check was only valid for 120 days, I was not able to deposit this check. 

BoA refused to issue me a new check as it said the account had been closed at BoA, they are not able to issue a replacement check on a closed account. The facts are : this dated check was issued by BoA and the account balance was XXXX when the account was transferred to XXXX. BoA alone is financially liable to me. However, BoA tried to evade its financial responsibility by repeatedly asking me to get compensation from XXXX. BoA reasons that my old account is closed at BoA, they have no more responsibility to me. But this check was issued by BoA before my account was closed by BoA.
Product: Debt collection

DEAR CREDIT ACCEPTANCE CORP ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Payday loan, title loan, or personal loan

I am very disappointed in the way that this company handles their business. I had applied for a loan and was denied. however, I didn't wish to share my denial with everyone. Please see attached the letter that was sent to me by the company letting everyone know I applied for xx amount and was denied. This was a private matter and should have been kept confidential.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$0.00}
Product: Checking or savings account

I opened a Citibank Priority checking and savings account through a promotional e-mail sent to me by Citibank ( I was a Citi Double Cash credit card holder and have had a few different Citibank credit cards over the years ). The promotion was that I would receive a {$700.00} bonus once I funded my account with a minimum amount specified in the e-mail ( I funded the account XX/XX/XXXX ) and kept that minimum amount in the account for 60 days and then waited up to 90 days after that for the bonus. Opening the account was not made easy due to the lack of customer service provided by the Citibank telephone reps ( I opened the account through the promotional link and then called to fund it over the telephone ). Because Citibank is a large company and the hassle I went through opening/funding my account I called in mid XXXX ( just before the 60 days ) to make sure the promotion was on my account ( the rep confirmed it was ) and to see what day I could move the funds to a high yield savings account ( at Citibank as well ). I was told XX/XX/XXXX was the day I could move the funds and I called on that date to again verify the promotion showed on the account ( the rep confirmed it did ). I decided just to be safe to wait until early XXXX. That day I called to make sure for the third time the promotion showed on the account. This time the Rep advised that the promotion showed in one of their systems but not the second for some reason. The rep transfered me to a Supervisor who told me they would add the promotion code to the second system and that I would receive my {$700.00} promotional bonus no later than XX/XX/XXXX but potentially sooner ( after confirming I had met the dollar amount and 60 day requirements ). Since this whole thing had already been a hassle I called on XX/XX/XXXX to make sure I would receive the {$700.00} the following day. The rep advised that the promotion code was still only showing in one system. The rep advised she would open a promotion dispute once confirming I had met the dollar amount and 60 day requirements and that I would see the {$700.00} no later than XX/XX/XXXX. I was also told a Supervisor would call me. I called on XX/XX/XXXX because I didn't receive a call from a Supervisor and was told they would expedite my dispute and again said I would definitely receive the {$700.00} on XX/XX/XXXX. I did not receive the {$700.00} on XX/XX/XXXX and it was not showing as pending/scheduled. I called on XX/XX/XXXX and was told they were still 'investigating ' the dispute from XX/XX/XXXX and that the person I talked with on XX/XX/XXXX opened a second dispute instead of expediting the first. I asked for a Supervisor and was rudely told that I would get the same information from a Supervisor as I just received and to just wait and be patient and I would receive the {$700.00}.
Product: Student loan

The school had me take out a nearly $ XXXX student loan in order to enroll and complete their XXXX XXXX   program. however, they did not tell me that there was two parts to the program and that I will later have to take out a second loan to complete the second part of the program. The whole time I was in school, I was under the impression that the $ XXXX loan would cover both parts of the program. Once the first part was complete or nearly completed, I was then informed of the fact that a second loan would be needed in order to continue. I was then also informed that I would have to quit my job in order to complete the second part, again, the whole time I was under the impression and the school made it seem like I could continue going to school and keep my day job in order to pay my rent. It turned out that the second part could only be completed full time which made it impossible to complete the second part of the program and keep my job to pay my rent. I was left with no choice but to stop going to school and was left with a nearly $ XXXX student loan which I've paid more than half already but it is getting harder and harder to pay it and the school didn't really help me reach my goal. Is it possible to get this type of loan forgiven? It has made hard for me and my wife financially and I got nothing out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : ( Original Creditor : XXXX IN COM ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX BALANCE {$250.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 
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 an account without my written instructions. 15 U.S.C 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) 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: Checking or savings account

Totally unexpected I got letters from my bank, USBank, saying they were closing my three checking/savings accounts in 10 business days. The letters to me were delayed by the XX/XX/XXXX holiday such that once I got the letters I now only have 5 business days before the accounts are closed. I spent time on the phone and in person at my branch with Customer Service. They showed me the agreement which says they can close my accounts for any reason at any time. The thing is I have had these accounts and a relationship with USBank for over 25 years. And my credit score and financial history is exemplary. I am shocked and totally confused why they are doing this, and why they will not give me a reason for these actions.
Product: Debt collection

I had a mobile phone service 2 lines since 10-15 years. 
On XX/XX/year> I requested to switch the service to a different server company with same specifications and less charge. 
My phone line was transferred imediately, the second line after less than a month, required a new phone accepted by the new server. 
For that, XXXX ask me to pay {$55.00}, with out any explanation why is more than $ XXXX. 
So I requested a statement with explanation of $ XXXX XXXX sent me a statement for $ XXXX, no explanations for that amount and I received a collecttion letter way before the dead time.
Product: Debt collection

Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN XXXX days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.
Product: Credit card or prepaid card

Ok. I will make this the last time that I make a complaint about this matter. I called and left a message for you on today ( XX/XX/2018 ) Ms. XXXX. Didn't get a call back. I also received a from XXXX XXXX thoroughly explaining no record of an attempted payment on today, the letter is attached. It has already been confirmed that I gave you my correct account and routing number ( that is attached as well ). With that being said, If the late payments that Discover reported as late is not removed by XX/XX/2018, a lawsuit will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my credit report I noticed several inquiries that I have not authorized nor have any knowledge of and will move forward to sue for negative and false credit reporting
Product: Debt collection

Constant and repeated calling everyday including weekends and holidays! Same woman from XXXX Florida! On one Sunday alone she called 6 times! Morning noon and night! I am XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX  Account Number : XXXX has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.
Product: Checking or savings account

XX/XX/2022 I found that my Bank of America credit card was unavailable, I called Bank of America customer service, the Bank of America customer service told me that my credit card was closed, I said it was the first time I met, why didn't you notify me in advance, they said According to the contract, the user 's credit card can be unconditionally closed. At the same time, after the checkpoint, they shamelessly expressed the checkpoint and sent us the reason for the checkpoint by registered mail. Regarding their shameless behavior, I have no choice but to accept their checkpoint behavior. 
I am a new immigrant of the first generation. Because of language problems, we can not understand their terms of service. At the same time, because our entire family only has one account in the US bank in the United States, usually bank cards, savings cards and credit cards, All use the business of Bank of America. 
On XX/XX/XXXX, we actually found out that our Bank of America debit card was closed, and the debit card that our family of four used to buy food, eat, and survive was silently and shamelessly closed by Bank of America, and they didn't have any emails and We were notified by phone, so we went to Bank of America to consult the bank staff. The bank staff told me to call customer service. We could only call customer service. The customer service asked us to find a bank teller. 
Later, we can only transfer part of the money through XXXX online to maintain our livelihood. For the behavior of Bank of America that deliberately starved us to death, we asked them to apologise to us in the XX/XX/XXXXXXXX and the XXXX XXXX XXXX, And quickly transfer the remaining savings of our poor family to our hands, otherwise I will continue to save my right to appeal.
Product: Credit reporting or other personal consumer reports

as a consumer, I request to know all the steps your agency look to ensure these items Were 100 Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description. XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX TransUnion : XXXX XXXX account # XXXX
Product: Mortgage

Our escrow account was never adjusted for the taxes on our home. The lender has since sold our mortgage along with the XXXX XXXX dollar negative escow account. 

Now that the new mortgage company has done an escrow review they discovered a XXXX XXXX dollar shortage for the year. This will bring our mortgage from XXXX to XXXX which is well out of our budget. 

We are now being forced to refinance to not have to sell or foreclose on the home. The refinance will cost us thousands in the long run, now having to finance the shortage for 30 years and pay thousands in intrest. 

We were never notified that we would be so short. The taxes changed from XXXX to XXXX due to the home being a new build and the XXXX taxes being based on the uninproved land. This would have been obvious to the experts in this field. 

Not sure if their any legal recourse for this or not but I figured this would be a good start.
Product: Credit card

My husband and I currently have an Ally Bank checking and savings account. When Ally Bank announced that it would also have a credit card, it seemed natural and easy to sign up for this card. To start, this card is unrelated to Ally Bank - in fact, XXXX XXXX runs the credit card and they refuse to acknowledge any connection with Ally ( rightfully, because there is no connection ... thus, this is not an " Ally Bank '' credit card ). I feel strongly that their advertising was misleading. 
This card has been nothing more than a headache - they refused to add my husband as a co-applicant ( claiming that he could only be an authorized user ) ; I could not register for online banking and they could n't help me - so all of my transactions have had to be over the phone ; I paid off my card and they withdrew the money from my checking account, but are holding the money for 8 days. Holding my money for 8 days is irritating and unreasonable because, during that time, I am not earning interest on that money ( they are ) and I now can not use this card until the money is cleared. Again, this goes back to the real problem that they are not actually connected to Ally Bank. I contacted them and, due to the hold, they can not allow me to access my credit card account online ( does that even make sense? ) and they can not abrogate the 8 day rule. It 's unreasonable to hold this sum for 8 days and my husband and I will no longer be using this card because it is so incredibly inconvenient. I understand they may be working out the kinks, but I 'm not willing to wait for this.