23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

hello I currently bank with bank of America and have been noticing charges that I or anyone has never made also there are transactions where there the purchase amount has been increased to reflect a different amount. when this occurs bank of America would lock me out of my account then due to " fraud ''. there has been no complaints on my end of any fraud on my account for a while because when I do make a complaint Bank of America punishes me by putting unnecessary fraud blockages on my account. bank of America currently has my account on a fraud hold now for no apparent reason, every time they send me a fraud text message I respond clearing the fraudulent charge as a good charge. when logged into my account I can't view any of my credit card charges so I had to go to my credit card reward activity to view the current charges on my credit card that's when I found a charge that Bank of America had increased by {$1000.00} to reflect a different amount. Bank of America fraudulently went into my credit card account while they locked me out of my account and the ability to directly view my charges, then they started changing transactions on my account to show a different amount than what I purchased from these vendors. I took screenshots of these transactions and called Bank of America then they took what little access I had away. they have now locked me out of viewing my credit card transactions completely. I have verified myself multiple times with this bank and they are stating that I have to come into a financial center even though I have explained to them that I am out of the country. this is not the first time the bank has locked me out of my accounts while I was out of the country. I have requested of the bank to let me view my transactions because I need to see what I am paying interest on and they have refused. I have screenshot copies of these charges to proved support of this fraud by Bank of America. the files that I have uploaded show my credit card account before bank of America locked me out of my account for " fraud '' purposes, the other images shows the transactions while Bank of America has my account locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX
Product: Debt collection

This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with XXXX XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date open______XXXX__________________________________ Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account Amount__XXXX
Product: Credit reporting or other personal consumer reports

The account was written off since XX/XX/year> and the loan company never send me a 1099C to claim the amount that was written off on my XXXX XXXXXXXX tax return. The amount that was written off was {$23000.00} in XX/XX/year>. I contacted the company, but got an answer back.
Product: Checking or savings account

I recently opened a new account with Citibank online. On XX/XX/2018, I went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to make my opening deposit. I deposited {$1000.00} in to the newly opened checking account, and I inquired about getting a Direct Deposit form. The teller referred me to a personal banker by the name of XXXX XXXX. I saw a brochure about the CitiGold account, with a promotion of {$700.00} bonus for that type of account. When I sat with XXXX XXXX, I asked her about obtaining a Direct Deposit form and I wanted to get more information about the CitiGold savings bonus for the CitiGold account. She said, " Why would you want to do that? '' She then proceeded to ask, " Are you XXXX? What dialect do you speak? '' She then started speaking in XXXX, like I would understand her. " I said I speak XXXX ''. She made me feel as though I was XXXX  for asking about the CitiGold account, like I couldn't or wouldn't be eligible for the Savings average balance minimums. As a US Veteran, I've never felt so insulted in my life. I never asked for a translator. She began lecturing me about how my deposit would be on an extended hold. I asked why would it be when I deposited cash. She was deterring me from obtaining more information about the other products offered by the bank. Was it because I was XXXX and she assumed I didn't speak English? I ended up getting frustrated and just asked her for the Direct Deposit form and I left the bank. The whole ordeal has increased my social anxiety and XXXX because she embarrassed me in front of everyone that was an earshot away in the bank lobby. I went back to the branch a few days later and I spoke to the branch manager and she helped me. I just wanted someone else to know that behavior that was displayed by Personal Bankers, like XXXX XXXX is unacceptable. Although she is the same race as me, she shouldn't assume I don't speak English or that I couldn't afford the savings minimum for a CitiGold account or that I'm ignorant. I am a proud American, who has served his country in honor and to be treated that way is unfair, discriminatory, and deceptive.
Product: Checking or savings account

I terminated my relationship with Truist Bank in XX/XX/XXXX. I contacted the bank 's customer support in XX/XX/XXXX, requesting that it mail a copy of my 1099-Int for the CD I closed. I have received at least two communications informing me to access the tax document online, but since I do not have a relationship with the bank that is impossible. The local branch claims it can not print 1099s.

I received an email from the bank yesterday informing me : Your XXXX tax reporting form is now available in online banking. 

To locate your tax forms, visit the document center and select your deposit account. Tax forms will then be available as an option. 

I called customer service again on XX/XX/XXXX, reiterating that since I am no longer a Truist customer I am unable to access the information online.I had a similar problem last year when I closed a checking and savings account and ended up filing taxes late because I was not able to provide interest income associated with those accounts. 

I do not understand why I am receiving emails to access this information online when I no longer have a relationship with the bank, nor do I understand why its records have not been updated so that I receive my tax information timely.
Product: Mortgage

This is for XXXX XXXX XXXX XXXX  XXXX FL XXXX It seems like PennyMac has still been playing a lot of games with us. By raising our mortgage payments tremendously. I had filed a report about this before. They still trying to say I'll tax bill went up by thousands of dollars per year. However when speaking to the tax department tax bill has only went up by {$300.00} more a year.. We are having trouble trying to pay this increase which is causing a problem. They had increased it by so many hundreds of dollars per month. We had apply for the streamline refinance which we was told to apply for. We've applied for that almost 2 months ago. We was promised during that conversation, that the streamline would be fast. That it would take about 30 days. However it's taken basically 2 months now at this point.. they seem to have misrepresent the streamline refinance itself. We was also told that we would not have to make a payment in XXXX knowing that we just applied for the streamline back two months ago. Now we're being told no we would have to pay XXXX 's payment, and yet we're being told about it at the last minute. It seems that PennyMac has not been communicating with us the right way. Nevertheless misrepresenting their products that they offer. This complete increase is causing a lot of problems. We supposed to have a FHA loan with a fixed rate for 30 years. However it seems like that's not what we have, and this increase is going to cause nothing but hardship for us moving forward... I don't understand how a streamline could go on to almost 3 months that's what it looks like, based on what we're hearing now to do. When we was told it should only take about 30 days. The reason why I'm having the problem with the payments now, is because of the fact they increase my monthly mortgage payments with higher amounts. Due to the fact they wanted more money in escrow.
Product: Credit card

A credit card appears to have been opened by a fraudulent entity using my SSN and personal information through XXXX. They used an incorrect mailing address and phone number. A credit limit o XXXX dollars as given and they left a balance of XXXX dollars. I am unaware of this account and just realized this was opened under my name when I pulled my recent credit report and my credit score was terrible due to " delinquent payment '' from this account. Spoke with XXXX XXXX and they referred me to the fraud department who are currently investigating the manner. Also placed a fraud alert through XXXX and XXXX and they are both investigating the manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including other furnished CORE LOGIC inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XX/XX/XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Hello I had a citi bank Best Buy credit card back 2017. I had this card for 2 years and never missed a payment. I have received 3 credit increases, due to making payments on time. My last payment I had with credit card was this year. I was 1 week late to make a payment and was promoted by email. I have immediately paid after receiving that notification online. I have received confirmation, I have seen my money sat in my account for 2 weeks. I have called in and see if payment was made, I proceed to give them my confirm number for proof. Everything went threw. Then 3 weeks after I have received a notification that payment bounced/ reversed. As soon I was notified I try to pay it back and try to call in to do a payment. By that time the credit card already closed my account. I have not receive any closer statement or prior notice to this. I have reviewed the disclosure documents and no one does it say that if payment not made we can close your account with 1 month if non payment. Made every payment on time and havent done anything I broke their policy. Looking to have my account just reinstated to use.
Product: Checking or savings account

I've been Bank of America XXXX XXXX XXXX bank for 20 years. I took {$2800.00} cash to the XXXX XXXX ATM to deposit it @ XXXX on XXXX. The ATM took the cash, then turned off and said Out of Order and spit card out and kept the cash, no receipt given. I went inside the branch where I was making the deposit via ATM, the teller told me that unfortunately for security purposes they don't have a key to the ATM and that I needed to call the number on the ATM. I drove back to the ATM where it was still in Out Of Order mode, called the number and sat on hold for 20 minutes before someone came on and told me that I would receive a credit in my account that was usable next day ( XXXX ) while they complete the investigation that could take up to 45 days. While I was on the hold the machine came back on and was good to take new transactions. 
Today is XXXX, the money is not there, and after a 2nd phone call and 20 minute hold time I was apologized to for being misinformed about the credit, and told that because of the dollar amount that they would be sending a technician out to the machine to perform an investigation, and that they had 10 days to determine if they were crediting me the amount or not. 
I feel like at this point my bank has stolen {$2800.00} from me. I'm going to make one final attempt at speaking with a person in the branch to day at XXXX before calling to make a police report.
Product: Money transfer, virtual currency, or money service

I only use my Wells Fargo account for paying bills, online shopping, online selling, and receiving my work checks so I really never look at my account like that since I have all my bills set up to pay from the account.. 

It started when I noticed emails saying some of my bills where not being paid.. then I tried to look at on the app and it wont let me in from XX/XX/2020 - XX/XX/2020 .. I try calling customer service to get in but due to coronavirus the wait times were very long so I went to my local branch. 

I finally get into my account and see that its in negative. I see 2 checks written and deposited in ATM for XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ... frm XXXX XXXX NV.. I live in South Carolina.. I also never written a check in my life.. I also see cash app transactions for the amount of XXXX XX/XX/2020, XXXX XX/XX/2020, and XXXX XX/XX/2020 which I also didnt authorize.. 

I call Wells Fargo and file a claim and they tell me to wait 10 days. Meanwhile while this is happening my online sells and work checks are being direct deposited to my account meaning Im paying off the negative debt it left and I also I have no money to pay my bills due to it being negative ... during this time their was no way for me to switch my direct deposit to another card or account because my job was closed down due to coronavirus.. so Im basically paying a debt I didnt even do! 

Few days later I receive a letter saying they are going to close my account due to it being over drawn so call to check on the claim.. the Wells Fargo claims department told me thrs nothing they can do and since my account has been hacked they cant help me.. they tell me if I dont pay the collection agency will take over.. 
I go back to my local branch and tell them.. all they tell me to do is file a check deposit claim.. 
meanwhile my last few work checks have basically got the debt down and my account is XXXX now. I call to try and set up another claim and they said since the claim has been closed already they cant open another one! My bills are pass due cause of this.. they basically didnt even care.. please help..
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I used Remitly to send a wire transfer to a family member 's bank account in XXXX. I paid for the express service that guaranteed that the money would be deposited in a couple hours. The money was expected to be delivered on XX/XX/2021 at XXXX. As of today, XX/XX/2021, the money is not delivered although it was withdrawn from my bank account the same day that the transfer was made. I called the customer service line several times at Remitly and the agents always said that they will solve the problem, but as of today nothing happened. The company has also a chat application on their website. The page says that an agent would be with you in less than 15 minutes, but when connected to the chat, there is a message that says 99+ people are on the waiting list, which is bizarre. After waiting more than an hour to connect to an agent, once I asked my question, he closed the chat on me, which is very frustrating. At this time, I want them to either deposit the money to the recipient 's bank account or return the money to my bank account. I hope I can find a higher institution that can help me find a solution with this dilemma.