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

I opened a checking account with Chase on XX/XX/2020 at the branch in the address below : XXXX XXXX XXXX XXXX XXXX, LA XXXX The banker asked for my ID and XXXX documents and I provided the following : Drivers license, SSN, Passport, XXXX XXXX XXXX ( XXXX Form ). 
I received my XXXX card in the mail on XX/XX/XXXX and I deposited {$1000.00} in that account. 
On XX/XX/2020, I realized that all the funds have been withdrawn from my account. So, I called customer support and they told me their back office has closed my account ( without prior notice ) because my immigration documents were lacking and that I should receive my funds in a check through mail. 
I called their compliance team on XX/XX/2020. They went over my case and told me there was closing my account was a mistake and I should go to the same branch and open another account with the same documents. I went to the same branch on that day and asked to open another account as I was told. The teller refused to open the account this time after talking to the same compliance team. Asking for an additional document ( XXXX Form ) which is an application to register permanent residence. 
I believe I receive such treatment because of my nationality. I am an XXXX  citizen and I understand that XXXX is on the OFAC Sanctions list. However, I have lived in the United States for the last 4 years. Initially as a foreign student on XXXX XXXX and currently as an XXXX XXXX on an XXXX XXXX. I have had checking accounts with XXXX XXXX XXXX and XXXX which proves that this is not a general ruling and as an alien holding a valid visa status, I have the right to have bank accounts in the United States. 
I feel mistreated and discriminated against by the Chase Bank. Not only they disrespected me by closing my account abruptly and without prior notice, they bounced me back and forth when I asked for the reason. They wasted my time and caused frustration with their confusing and judgement-based policies. Lastly, as of today ( XX/XX/2020 ), I have not received my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Please remove all unauthorized hard inquiries under 15 USC 16c-2, as they were not authorized and are affecting my credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance : {$9500.00} Bankruptcy XXXX XXXX XXXXXXXX Date Filed XX/XX/2015 XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX
Product: Student loan

XXXX has been attempting to transfer my loans from Nelnet since XXXX of last year XXXX, but they claim to be receiving no response from Nelnet. In the meantime, my interest is accumulating. Although I have obtained a forbearance, the interest rates are exorbitant, which is unacceptable. I have already contacted the Department of Education about this matter, but no one has reached out to me since before XXXX, which is also unacceptable. I am on the verge of reaching out to an attorney, as the situation is causing me significant stress, XXXX, and XXXX Please assist me.
Product: Credit card

Captial one spark business credit card -- misleading and deceiving : I applied for a capital one spark business credit card ( the green card ) on XXXX XXXX XXXX. I was shown during the online application processes and promised to receive a {$750.00} bonus after spending {$6000.00} in the first 3 month. On XX/XX/scrub>XXXX XXXX XXXX I finished spending {$6000.00} and now ( XXXX XXXX ) they said my credit card wasnt qualified for the bonus. I cleared all my payments before the due dates. I wouldnt have applied to this credit card if I'm not targeting in getting their bonuses. They only offered 1.5 % cash back which is significantly lower than other credit card I had ( usually 2 % -5 % ). 
Capital one credit cards are misleading and deceiving their customers. I just need my {$750.00} back, this is what i was promised, supposed to receive! I will not give up fighting for the inequlity here until I get my {$750.00} back.
Product: Debt collection

Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. 

I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. 

I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. 

After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. 

I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. 

So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. 

When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. 

However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. 

At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. 

They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. 

I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.
Product: Debt collection

Hello, I received a collection letter sometimes on or about XXXX XXXX 2015, from a company named GRANT & WEBER, stating a debt from a hospital, dating back to XXXX of 2015. I called this company and spoke with XXXX XXXX disputing this debt and followed that up in writing by mailing a copy of my dispute letter on XXXX/XXXX/2015 and also by fax on XXXX/XXXX/2015. Based on my notes, my balance was Zero after I had called the hospital in the month of XXXX of 2015. I requested copies and verification of the debt from GRANT & WEBER verbally and in writing. ( Copy is attached ) After my communication with GRANT & WEBER I never received any more correspondence even though I had the understanding from the representative that I will receive the documents I requested. I never received any response afterwards and that gave me the impression this company could not validate the alleged debt ; therefore, they did not bother to respond or follow up any further. Until last night that I received a notification from my credit monitoring agency that my credit profile was flagged by GRAND & WEBER and this is nearly one year after my last communications with this company. This company had acknowledged my demand for proof of debt and their authority, however, they never responded and failed to provide appropriate documents so that I would have my lawful and legitimate opportunity to review and examine this alleged debt and resolve the issue appropriately. 

I feel this company has acted maliciously and without warrant in this matter for flagging my credit file. This derogatory action on my credit is unjustified and premature. GRANT & WEBER did not act lawfully in this matter but, solely to satisfy the so called creditor in this case, by flagging my credit profile. This unjust action has caused a XXXX point drop in my credit score today which will immediately impact my credit worthiness thus creating a major setback at the time my family is financially struggling to survive. This company acted intentionally malicious to force me to settle a claim that I had disputed. Another company had filed a claim regarding same and they could n't prove the debt and was thrown out. I DO NOT OWE thus there should not be a flag on my credit profile by GANT & WEBER until the debt it 's proven and resolution has been reached. Copy of the first letter by G & W, showing my notes on the letter and, my subsequent response is attached herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT AND INQUIRY WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). EQUIFAX HAS NEGLECTED TO HONOR MY REQUEST TO DELETE THESE ACCOUNTS AND INQUIRIES THAT ARE A RESULT OF IDENTITY THEFT AND BY LAW ARE REQUIRED TO PAY ACTUAL DAMAGES. I WILL TAKE ALL LEGAL ACTION, PLEASE APPLY 15 U.S. Code 1681 TO MY CASE.
Product: Debt collection

Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XX/XX/XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX loan  services. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an XXXX filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXXXXXX XXXX. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXXXXXX XXXX mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.
Product: Checking or savings account

I have a businesses checking account with chase 3 over draft was charge on XXXX and XXXX. and overdraft fee of {$34.00} for {$100.00} on XX/XX/XXXX on XX/XX/XXXX {$34.00} was charged for {$8.00} and XXXX a {$34.00} overdraft fee was charged for {$19.00}. I went into the XXXX NY branch and my request was denied i was told by banker to called and ask for a supervisor on XXXX at XXXX ; XXXX a woman with a XXXX accent who was very rude name XXXX stated " did you not know your account did not have any money ''. how can i pay {$34.00} overdraft for a {$8.00} and {$19.00} .The supervisor was of no help.
Product: Debt collection

Found on credit report 3 medical debts that have been reported as unpaid since discharged in XXXX  XXXX bankruptcy in XXXX. On XX/XX/XXXX I contacted collection agency that purchased the debt from original company. I informed them the debts were included in my bankruptcy. They informed me the debts were post bankruptcy. I know this to be inaccurate since I did not visit the medical clinic since filing for bankruptcy. I went to the original clinic and retrieve the last date of my medical visit and the date was in XXXX of XXXX, months before filing for bankruptcy. I called again debt collector and asked for a copy of the debt but never received anything from them.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$180.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XX/XX/XXXX
Product: Mortgage

My home owners insurance was due on XXXX. On XX/XX/XXXX it was brought to my attention that the payment had not yet been made. I called my insurance company to verify that they had not received the money. That was confirmed. I then contacted Mr. Cooper 's escrow department to find out when the payment was mailed. The payment had been mailed via regular mail the week prior but the check was made out to and sent to the wrong company. I was assured that Mr Cooper would issue an overnight check on XX/XX/XXXX to the correct company for the correct amount. ( My escrow account has now been hit XXXX for the payment ). On XXXX, I received a cancellation notice from my insurance company for lack of payment. After multiple hours on the phone with my insurance company, I am able to pay for my insurance out of pocket with the explanation that the payment will be refunded to me when the payment arrives from Mr. Cooper. In all of this, we find out that Mr. Cooper had not overnighted a check and that the payment was sent via regular mail. Mr. Cooper then issues ANOTHER check to pay for this sent via over night. At the beginning of XXXX there were now XXXX checks and my personal payment all being sent out to cover the insurance premium. By late XXXX, this seemed to have worked itself out. I was issued a refund for my out of pocket from the insurance company. The overnight check had been credited to my account allowing for this to happen. The second check that was sent via regular mail was received and a refund was sent to me at the beginning of XXXX which I cashed and paid back to the escrow account. Then on XX/XX/XXXX, I received notification that my insurance premium had been paid a XXXX time from my escrow account, taking me to a negative escrow balance. ( Mr. Cooper has now paid the insurance 4 times for those who are counting ). This dollar amount did not line up with any date or invoice that anyone had record of. Eventually my insurance company will get this incorrect check and after several weeks will issue me a refund for this amount. In the meantime, Mr. Cooper has increased my monthly payment by over {$400.00} to cover this escrow deficiency as I no longer meet the minimum balance requirements, even though all of this has occurred due to their actions. I have requested that they stop collecting for the insurance payment as they have not shown they are capable of handling it. I am now a week into the process for an " escrow re-evaluation '' to determine if I am eligible to have them stop collecting with no further communication from the company. I have a 20 % increase in my mortgage payment through no fault of my own or changes by any third party. This has been the most infuriating process I have ever dealt with and have had multiple homes and mortgages through the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to get an invalid collection removed from   XXXX   and Transunion (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly billed (  XXXX  bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ... Transunion removed  XXXX  of the bills, but not the other. Both bills should be removed.   XXXX   has not removed them at all, and keep stating they are valid- which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via XXXX to TransUnion. XXXX website stated it was received on XX/XX/2018 and that the investigation should be completed by XX/XX/2018. It is a month after the investigation due date and the website still shows my dispute is under investigation. Id like to have those items removed since TansUnion hasnt completed their investigation.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, I transferred {$XXXX} from my XXXX  account. The amount was never deposited in my bank account. XXXX  claims the transfer was completed on the XXXX of XXXX. Today is the XXXX of XXXX and I am still waiting for the money to be deposited in my bank account.
Product: Vehicle loan or lease

I have put in a billing error dispute with Bridgecrest. After repeatedly trying to resolve the issue, despite my communication with them to cease and desist, for lack of acknowledgment of the dispute, They continue to break the Fair Debt Collection Practices Laws amongst other federal laws by continuously calling me, texting me and emailing me daily in an attempt to collect a debt.
Product: Checking or savings account

I used the " pay bills '' service on the citizens app to pay my landlord as I did for several months prior. I sent them a check for {$3500.00} on XX/XX/year> through that service. Check number was XXXX. The check was stolen and falsified, then cashed on XXXX. The original check was cashed on XXXX but NOT by my landlord. 

So that checked was cashed twice, {$3500.00} each time, and the money was debited from my account but my landlord was never paid. Money was STOLEN. Twice. When my landlord and I figured it out, I reached out to Citizens. They reversed one of the charges but are not reversing the second charge. they owe me {$3500.00} and are not paying it. 

XXXX number is XXXX.
Product: Debt collection

Received three calls about a debt from 2014 that I already settled. Voicemail implying a threat of litigation. Agent with collection agency immediately started being condescending. On second call, another agent named XXXX XXXX introduced himself only as XXXX and refused to provide his full name, or state he was collecting a debt. XXXX XXXX proceeded to read off my name, social security number, and date of birth quite loudly and without verifying who I was and Id like the max punishment for that move, if there is one. He doubled down and said he do my bank account number next, all in the combative tone of a child playing video games. His supervisor XXXX backed him up and called me several names and was generally argumentative. Youre a scammer. Whoever these people are, they have no business having access to peoples information. There isnt a professional adult in the building. They call from ( XXXX ) XXXX and ( XXXX ) XXXX. Yall need to find them before I do.