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

These XXXX  have hung up on me several times, got into verbal disputes from provoking me and they canceled 2 of my debit cards from 2 checking accounts unauthorized and without my consent. I did not request this at all. I have called them several times on XX/XX/20 and XX/XX/20 to rectify this and once again I have been bounced around, talked down to, disrespected etc. They are refusing to unlock two debit cards from my 2 personal Checking Accounts and so I got XXXX off and requested to cancel personal checking acct ending in XXXX. Also there is a business savings acct that I requested to be canceled a week ago which still hasn't been done. This one is a Business market Rate Savings. I am going to keep personal checkings acct ending in XXXX open as well as business accts ending in XXXX and XXXX. They are refusing to close personal checkings ending in XXXX which I don't understand. I transferred XXXX dollars and change so now theres a XXXX balance in XXXX. They people have also implemented a new rule, without consulting with customers that instead of debit transactions, you now have to maintain a {$500.00} balance in each account open or have {$500.00} in direct deposit to avoid monthly fee which is a direct violation on banking law rights as well as civil and legal, in addition unethical. Wells Fargo has a poor history with XXXX Americans and continue to disrespect and violate their rights. I now have no debit card for acct ending in XXXX and they refuse to issue me another which is illegal. I called several times between XX/XX/20 and XX/XX/20 and still no resolve and spoke to several higher ups and managers. The best that was done is setting me up with an in person visit to bank on Friday XX/XX/20 at XXXX XXXX  with no promise that a new debit card ( s ) will be issued to me! 


Issue Me another debit card to replace the one they illegally cancelled on XX/XX/20 with my consent or authorization, cancel the two accounts I requested, leaving on the 2 Business accts and personal checking 's ending in XXXX Open. also, I would like to join a class action lawsuit against them for their horrible and unethical practices. I will sue for as much money as the law allows. I also got a call from a Wells Fargo rep twice which sounded like a scam call on XX/XX/20 saying that my cards would be cancelled and I said ma'am, I  don't know who you are, but do not cancel any of my cards which she went ahead and did anyway speaking of Misuse and I'm like, Misuse of what and she wouldn't answer any of my questions and I had to keep repeating myself.
Product: Bank account or service

I received a bonus offer from Chase Bank regarding opening of new checking acct. 
I called their customer service and refer me to the nearest branch Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I came to their branch on XXXX XXXX, 2015 around XXXX. I entered the branch and went to their new accounts. I meet the banker name Lorraineand telling her that i will open a new checking acct and setting up direct deposit. She respond to met in rude way 'you know what time it is? we cant open your acct since it takes 45 min to finish but it told her i was at branch prior to their closing. So she asked the branch Manager XXXX. So She came back asking XXXX valid id 's So i present her my Valid drivers license and ATM debit from XXXX XXXX XXXX. While on the process she ask to enter my ssn # then i entered it. Then she asked me where i born .Then i replied to her that i born in the XXXX . She said oh yah ... .. then she said are you resident of the US ? i said yesthen she said i need your green card since you born from the XXXX ... .... 
i asked her if she is serious she said yes with rude voice ... ... ... ... ... ... 
I told her i have it but i do n't bring it with me all the time for safety reason. it might lost. 
She said i do n't care you should carry it all the time since you born from the XXXX. 
We ca n't open your acct. if you want go to another bank but chase policy is that we ca n't open without your green card specially your born in the XXXX. So i felt discriminated and embarass. because of my race as a born from XXXX. I ask the Manager XXXX XXXX to told about it but it get worse she protect her banker and telling same thing since i born in the XXXX i need to have my green card. So i asked her that i can bring it tomorrow cause i need it on my direct deposit. But she told me that same thing you born from the XXXX Chase bank policy is to have a green card as primary id. I told her that i have shown already XXXX form of id 's to banker XXXX .But Manager XXXX said again. It 's policy if you born in the XXXX we require green card as the id.Also she said she dont care even i report them to any agency since she is the vice president of the company. 
I felt discriminated for what they did to me. Hoping that you 'll help and assist me with this unlawful treatment by this personnel from Chase Bank.They reject me and discriminate to open an checking acct since i born from the XXXX
Product: Money transfer, virtual currency, or money service

Coinbase allowed me to create an account and deposit money into it. After attempting to login several times my account was locked and all payment methods erased as a security measure. After months of customer service not being able to help me, I was able to add my payment method again then deposited more money to test and again account locked. They continued to tell me don't worry and sorry. 

Now they have ignored me on social media on email and on reddit. They simply do not respond. Several other people on their XXXX comments if you look on their posts experience the exact same issue. 

It is a ponzi scheme. They use my money for sure. I can not verify this but seeing how many people have the same issue there could only be XXXX reason people can deposit money but not withdraw. 

Wait times exceeding XXXX minutes
Product: Checking or savings account

I initiated a rollover IRA to XXXX from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my XXXX rollover account on XX/XX/2021 I called XXXX XXXX weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling XXXX XXXX on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from XXXX as to why it was XXXX nor any apology from XXXX, XXXX XXXX of XXXX XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

On XXXX/XXXX/XXXX I submitted an initial dispute to TransUnion requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00XXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Product: Bank account or service

I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?
Product: Money transfer, virtual currency, or money service

so basically, I had turned off every single automatic payment, including XXXX and I do somehow ever forget to take off my free trial and my free trial so thats why I turned it on and yesterday I got a refund from XXXX and the moment it hit my account, XXXX took the money which was {$15.00}. I tried to dispute it and put it as a transaction that was not me my name because it wasnt. I only signed the for free trial and I have my debit card log on my XXXX auto pay off and somehow it still charged and they denied me and said that I authorize it anyway taking my money from me. I already followed dispute with XXXX, but I have a feeling that theyre not gon na give me my money back because honestly XXXX is put off lately. i was hoping you guys can help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I want to report an XXXX XXXX! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between and me which makes you a person entitled 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 duly 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, and, are not entitled to enforce a claim against me. In the event, you continue your collection efforts against me without providing 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 desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

They say i owe a debt but I do n't have a contract with this company. When i ask them if they have a bond in texas they hang up. They are in violation with the Hippa law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported:XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On approximately XX/XX/21 I opened a United chase credit card. 
The card was in good use and paid on time suddenly chase closed credit card without any notification or explanation. Later I was told it was my ex husband someone I lethally divorced 15 years ago had a bad relationship with chase. That is why they closed my account. Chase has black listed me with my credit report and denying me to open a bank account at there branch or obtain any credit cards. I am asking for an investigation to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX - XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$650.00} XXXX XXXX  - XXXX - {$140.00}
Product: Checking or savings account

My son was online on XXXX at XXXX on XX/XX/2022, a chat/gaming site, buying avatar items through his own Chase bank account. He was using his debit card. Someone got on and said he was the XXXX of XXXX and that they needed his banking information. My son gave it to them. ( He has XXXX  XXXX and didn't realize not to do this ). My son 's name is also on my account for emergency situations. Within minutes, this person on XXXX had accessed my son 's account and through that, accessed my account. My son had {$270.00} in his account and I had {$3.00}, XXXX in my account. Within minutes, this person accessed ALL of the money. This person withdrew from my account and transferred it to my son 's account, then proceeded to withdraw in {$500.00} increments through XXXX. When my son saw what was happening, he immediately froze the transactions and transferred what was left of the total back to my account. This was {$2.00}, XXXX. I had no idea what was happening until we both went to the bank that morning at XXXX on XX/XX/2022. By the time we got to the bank this person had stolen my son 's identity and changed his address to Mississippi. We and a bank representative were on SPEAKER phone for XXXX XXXX hours with the identity theft department , fraud department and customer service department. My bank will not help us and kept charging insufficient funds for electronic bills that came through. All I want is to get the money that is owed me. I am an innocent bystander in all of this. They owe me {$1000.00}. Please help me. They are accusing my son and I of creating this other person and stealing our own money. That did not happen. My son was not aware that giving his information would create this mess. He knows now and no longer has a bank account and his name is no longer on my account. I also filed a police report. I have had no money for XXXX weeks due to this, except for cash friends have given me for gas and groceries. Please help me. THIS IS FRAUD and the CHASE bank employees in XXXX, Colorado know it and have been trying to help to no avail. I have not used my checking account since XX/XX/2022. The only activity is automatic withdrawals for electronic bill payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX  via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.
Product: Credit card or prepaid card

I did not receive a XXXX bill for my Target store card. I called to request a statement. When it arrived, they had added a {$27.00} late payment fee. I submitted a billing dispute for the late fee and included a check for the {$190.00} undisputed portion.
They have acknowledged receipt of my dispute and the check has been cashed at my bank. However, they did not remove the {$190.00} from my account and have continued to levy interest and late payment fees as well as sending a threatening collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22, I sent a dispute letter to Transunion, XXXX and XXXX asking them to validate three accounts listed on my credit report. I have no knowledge of these accounts. I also requested my the wrong spelling of my name to be corrected. I know the bureaus have 30 days to complete an investigation but it has now been almost 3 months. On XX/XX/22, after no response, I sent another letter letting them know I did not receive a response and to please investigate the inaccurate information, provide me with documentation or remove the items from my credit report. Still no response. On XX/XX/22, I sent a third letter asking to now have all disputed items removed since they have violated my consumer rights not once, but twice.
Product: Checking or savings account

I am a federal government employee with the XXXX XXXX  XXXX XXXX in XXXX Texas they advise us to bank with XXXX XXXX  or Penfed I have also filed with the state attorney general office below on this same matter. I am a victim of identity theft I am having the same problem with Penfed Bank I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account which the balance was XXXX at first they told me they would open me another account which they did but they place it on hold until the balance of XXXX was a clear up I told them I would not pay for something I did not do they informed me they received my documents but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX ofXX/XX/XXXX the same thing happened with XXXX XXXX and XXXX XXXX they are including as well
Product: Credit reporting or other personal consumer reports

Capital One has provided to the credit bureaus that they have written off this account. Per the FCRA, income is not allowed to be reported on a personal credit report. I am asking that they provide me with the 1099c immediately for any accounts that they have written off with the IRS.
Product: Debt collection

On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX   and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX