23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Complaint Description : On XXXX XX/XX/year>, I attempted to log into my XXXX XXXX Prepaid Card account and received an error message. I immediately called customer service, and they informed me that my account was flagged for suspicious activity. They requested that I verify my identity using a link they provided. 

On XXXX  XX/XX/XXXX, I completed the identity verification as requested. However, they then told me that was not enough and required additional documents. Between XXXX and XXXX ( XX/XX/XXXX XX/XX/XXXX ), I emailed them multiple official documents in line with their requirements. Despite my compliance, they continued to request more documents. 

On XXXX, XX/XX/XXXX, after I had submitted everything they asked for, XXXX XXXX suddenly informed me that they were closing my account due to too many attempts at verification. This decision was made without any clear explanation or justification, even though I provided all necessary documentation. 

I received my paycheck via direct deposit on XXXX XX/XX/XXXX, and XXXX XXXX is now withholding my funds. When I requested written confirmation of my refund and details on how I would receive my money, they refused to provide anything in writing and continued to give me the runaround. 

Desired Resolution : Immediate written confirmation of my refund and how it will be issued. 
A timeline for when I will receive my check and a tracking number once it is mailed. 
An investigation into their unfair and deceptive banking practices, as they are withholding my funds without valid cause. 

This is an unacceptable banking practice, and I need urgent assistance in getting my money back.
Product: Credit card

I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business days,
Product: Credit reporting or other personal consumer reports

Since XXXX  I have been attempting to resolve inaccuracies stated in the initial complaint I requested and received a consumer report and while I have forwarded information including my driver 's license for verification this matter to all three credit bureaus is unresolved. Equifax closed its investigation without any proof of updates or that it could verify any information contained within the report. Equifax report contains inaccuracies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Dept. of Ed closed accounts acct. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; personal information ; inquiries ; and accounts that were discharged in bankruptcies ( XXXX & XXXX ). XXXX still has listed : third-party supplemental information, checking account & demand deposit activity : ( XXXX XXXX XXXX XXXX XXXX ( and XXXX  ), among a host of inquiries and other inaccuracies. XXXX, inaccuracies consist of names, addresses, potentially negative items, and closed accounts such as Dept. of Ed. ( XXXX acct # XXXX ; XXXX  acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and accounts that were previously discharged. All bureaus contain accounts I do not know and I did not give anyone permission to share, sell, or outsource my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is a closed account that was paid in full and is still reporting late payments XXXX, and XXXX. 
According to the Fair Credit Act this illegal under. I have written three letters to get this account updated or removed and account still shows on my personal credit file.
Product: Debt collection

I was originally contacted by IQ about 18 months ago and was treated with total disrespect. I requested proof of the debt owed to the XXXX apartments and after several minutes of harassment from IQ I was told that if I provide full payment they would in turn furnish requested proof. I declined this irrational offer and explained that any further communication shall include proof of this debt. I have not received proof as of today. I and recently my sister have been receiving increasingly abusive phone calls demanding payment and threatening legal action. I have transcripts of voicemails The account is reported on credit file as Account information disputed by consumer, meets FCRA requirements I have only disputed this with the company not the credit bureaus.
Product: Bank account or service

XXXX, RI XXXX XXXX XXXX XX/XX/XXXX Bank of America XXXX, FL XXXX To whom it may concern : Just reported this again to XXXX at our local XXXX news desk but wanted to message your bank again as well. Also reported this to my contact at XXXX. in XXXX, MA named XXXX at XXXX or XXXX. 

A company hired me on XXXX pretending to be XXXX. for a supposed work-at-home position doing payroll from two email addresses still in operation online as well as XXXX at XXXX and XXXX. XXXX from the real company advised about 20 other people had been affected by and reported to her the same cyber scam and corresponding email addresses in several different states. XXXX also reported this to their local XXXX, MA police. We reported this to our RI state police. 

This fraudulent company hiring sent me XXXX consecutive checks supposedly out of XXXX via XXXX in XX/XX/XXXX. The first check for almost XXXXUSD cleared at my Bank of America ATM and XXXX had me transfer the funds to a XXXX account out of XXXX, CA for XXXX vendor materials to XXXX account number XXXX. 

It was only after two more checks each for almost XXXXXXXXUSD each were sent to me via XXXX and deposited that BOA informed me the checks were not real and froze my bank account. Now, despite my repeated calls with about 10 BOA representatives reporting the cyber fraud as reported here in my email, BOA refuses to talk to the back office of the XXXX account where the funds initially went and are trying to hold me responsible for the phony XXXX check and transferred funds. 

Similarly, the back office of XXXX out of XXXX, CA refuses to talk to me as I am not the account holder even though I transferred the funds into the account there. Needless to say, this kind of scam is a big deal and I think a nice expose and perhaps and hopefully further investigation would do some justice here. Hope to hear from you. Your help is greatly appreciated. Please let me know. Have a great day. 

Thanks very much, XXXX 
Checking account number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On Monday, XX/XX/year>, I was approved for a loan for {$2600.00}. Upon approval, was told that I would receive a call to do a welcome screening. I waited and nothing. On Tuesday, XX/XX/year>, I reached out to the local office where the information was sent and spoke to XXXX. I advised why I was calling and immediately received an unprofessional tone in her voice. She pulled up my information and went over what a comfortable payment would be each month, what was the need for the loan included, verified employment, etc. she went to say that since I was in a debt management program, that automatically voids my application. My complaint is the online system approved me for the {$2600.00} but the local office denied the loan. Now I have a hard inquiry on my credit bureau and nothing to show for that inquiry. This practice is deceit and boardeines fraudulent. Your system approved the loan and it should commence as expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in  XXXX
Product: Credit reporting or other personal consumer reports

Good evening, I filing a complaint against Sezzle. My Sezzle account went to collections to a third party collector named XXXX XXXX. I called and paid off my Sezzle account with True accord with a payment posted date of the XXXX day of XX/XX/year>. I called XXXX XXXX a few times after to get a letter stating the debt had been paid off. The second attempt was successful. I also asked XXXX XXXX when the collection/ charge off would be removed from my credit report. I was told I varies and that Sezzle would have to do so. After multiple attempts to call into the company Sezzle to talk to someone I was unsuccessful. I need this removed from my credit report as I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and now XXXX in XXXXXXXX XXXX XXXX to continue serving my country as well as a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in which on all titles require a minimum of a secret security clearance, as well my wife and I are trying to buy our first home and plant roots for our family we have built. Please help us get this off my credit report this is the only item standing between us and our new home.
Product: Debt collection

I checked credit report and the company by the name of ACCT CORP has A false open account reported my credit report. I have never done business with ACCT CORP or sign any agreement or contract with them
Product: Checking or savings account

Region bank in XXXX  XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX  XXXX  or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX made a mistake on the credit report and placed two hard inquires on our credit reports and XXXX will not remove it they do don't believe me. 

I have given them a the letter XXXX XXXX   XXXX and still they do not believe me. They need to be removed. It has hurt our credit more than 15 points. 


XXXX XXXX from XX/XX/19 and XX/XX/19 they are not and they have admitted to the mistake and the letter is included.
Product: Credit reporting or other personal consumer reports

In case of my previous complaint no. XXXX, XXXX. Action Taken - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ) confirmed that I've never opened checking account or credit card with XXXX XXXX XXXX XXXX my lifetime. 
XXXX XXXX states that there's no track history to match up with my XXXX & all listed home address/zip codes. But there are hundreds of naming lists under my name XXXX XXXX in their banking system. I've asked them to verify all XXXX XXXX in their banking system one-by-one in order to identify the user with the credit card debt XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Answers from XXXX XXXX XXXX XXXX XXXX XXXX  rejected my request since they don't know the exact account number to be associated with the credit card & its debt. 
b. on XXXX today, I've received the attached mail that credit agencies XXXX have combined my file with a file of someone with a similar name. ( XXXX XXXX ) 3. Current Challenges - a. I've tried to contract 4 listed Credit boroughs to identify the associated bank account number or Credit Card Number. But, I've failed since those companies are available via XXXX where this case is not handled, and in-person XXXX staff wasn't available on the call. 
b. I'm currently in trouble to get a Morgage to purchase my first home due to the bad credit score ( XXXX currently, each month decreasing due to this incorrect naming conversion mismatched from a different person ). Very desperate & extreme-stressful situation. 
c. In my lifetime, I've never made late payment so far. This unresolved situation makes me XXXX XXXX XXXXXXXX XXXX XXXX  that I've identified the issue first time. 

4. Requests : in my perspectiveXXXX XXXX XXXXXXXX XXXX or CFBP ( as the adjustor ) needs to inform this mishap to 4 credit boroughs on behalf and should correct the mis-aligned name to the right person. The most important action though is to get rid of all the related bad credit score histories impacted by the mis-match on my naming conversion.
Product: Debt collection

Portfolio Recovery calls me 2 to 3 times a day even after I told them the case was dismissed in court and I asked them not to call me anymore. I was told they would keep calling me until it is resolved. 
It was a credit card debt and I went to court, it was dismissed XX/XX/2015 because I am XXXX and on XXXX.
Product: Debt collection

I am a victim of identity theft and the XXXX data breach. 
Credit cards from XXXX and XXXX XXXX are not mines.
Product: Debt collection

XXXX has reported the credit bureau put me in collection for a debt that. I do n't recognize or owe them in the amount of {$2000.00} it 's on XXXX report it has affected my chances to get a house this is fraud must be removed was reported on XXXX 2013 it 's been so long on my credit report even though this is not my account nor have I ever had an account with XXXX please have this remove from my credit report XXXX XXXX XXXX Thank you
Product: Debt collection

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

YOU HAVE VIOLATED YOUR RIGHTS IN MANY WAYS. 
FAIR CREDIT ACT HIPPA VIOLATION FAIR DEBT COLLECTION PRACTICES DEFAMATION OF CHARACTER REMOVE THIS FROM MY CREDIT FILE. THIS ACCOUNT IS NOT MINE. SEND DOCUMENTS PERTAINING TO MY REQUEST. NOT SOME KID SOCIAL AND SOME GUYS ID.
Product: Credit card

I have received email ads and friend referrals for opening the American Express XXXX card with their sign up bonus. 

When applying, I am given a message saying I am not eligible for the bonus but I can still apply for the card. 

I have never had this card, my credit score is very good, I have not had any defaults, am employed with a high salary range and yet they are refusing the sign up bonus. 

So, I called them and asked them via chat and yet they fail to tell me why. They just XXXX message saying - " our system determines whether or not someone is eligible '' They are providing no specific reason why and this is very frustrating. If the system determines I am not eligible, I should be given the opportunity to improve it and how would I act up on it without knowing why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/XXXX flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
Product: Credit card

I requested a decrease in the interest rate on my mastercard. The rate is 31.24 %. I have been a customer of this charge card since XXXX. The card was a store card then changed to a XXXX  card. I have never missed a payment and have most of the time paid more than the minimum amount due. I have a XXXX  score of XXXX according to the credit card. They refuse to decrease the rate because of what I signed in XXXX. I would think that the store card transfering to XXXX would void the original agreement. I believe it is unfair that the company can not reduce the interst rate that XXXX  years ago was a penalty rate.
Product: Credit card or prepaid card

CAPITAL ONE BANK has discriminated against me, the natural person / original creditor. Capital One has violated 15 U.S. Code 1691 ( a ) which states It shall be unlawful for any creditor to discriminate against any applicant because the applicant has in good faith exercised any right under this chapter. Any account opened previously in my name was a result of identity theft. I have sent my affidavit of Fact, and identity theft report
Product: Credit card or prepaid card

I RECEIVEDA CALL FROM A COMPANY THAT SOMEONE MADE A PURCHASE FROM THEM AND THEY SUSPECTED FRAUD. THEY SAID THEY WERE CANCELLING THE TRANSACTION AND CREDITING MY ACCOUNT FOR THE {$1100.00} DOLLARS. I LOGED INTO MY CREDIT CARD ACCOUNT AND FOUND THAT THERE WAS ANOTHER CHARGE FOR {$440.00}. THIS WAS ON XX/XX/XXXX. I CALLED THEM ON XX/XX/XXXX AND REPORTED THIS FRAUD. THEY SAID I WAS NOT LIABLE. THEY ISSUED A NEW CARD AND ACCT. NO. BUT TRANFERRED THE {$440.00} TO THIS CARD. THE BALANCE IS STILL THERE. I THINK THEY WANT ME MAKE PAYMENTS. THEY REFUSE TO PUT THIS ON HOLD. WHY DO I HAVE TO MAKE PAYMENTS ON FRAUD. 
WHY DID THEY NOT CANTACT ME WHEN THESE TRANACTIONS WERE MADE? 
THERE WERE NO BALANCES ON THIS CARD. I HAD NOT USED THE CARD SINCE XX/XX/2018
Product: Mortgage

XXXX XXXX certified mailed XXXX XXXX were sent to the servicer correcting " blank endorsements '' The loanDepot.com, LLC replied with " your letter has no legal standing '' I replied with the regulations that are required with the Uniform Commercial Code ( UCC ) The loanDepot.com, LLC replied with " your letter has no legal standing '' XXXX - send in a payoff draft ( check ) certified for the total amount. 
The loanDepot.com, LLC responded with " doesn't accept that kind of payment '' I replied with the UCC codes and regulations they are required to follow.

loanDepot.com, LLC wrote back with " your letter has no legal requirement '' I responded with the refusal of my payment results in discharge. 
loanDepot.com, LLC no response. 

XXXX- another payoff draft was sent certified. 
loanDepot.com, LLC responded with the same as above.

I replied with the same argument that the regulations are no optional and need to be followed.

The loanDepot.com, LLC again responded with my documents have no legal requirement. 

XXXX - I sent a certified letter stating my right as a holder in due course due to the lack of evidence that loanDepot.com, LLC is the current holder of the note. Also the fraudulent activities during the creation of the note. 
loanDepot.com, LLC responded with your letter has no legal requirement but never challenged my right as a holder in due course or produced a copy of the original note.

I replied with my right to become a holder in due course per the UCC article 3, 3-302.

The loanDepot.com, LLC responded with the same your letter has no legal requirements. 

XXXX - I sent in certified novation 's to correct the endorsement mode on the note expressing that if the note is to be continued to be use these changes apply.

The loanDepot.com, LLC responded with the same your letter has no legal requirements but again never challenged my XXXX XXXX 
I replied with laws and regulations they are required to follow within the UCC Article 3, 3-207. 
The servicer responded with the same your letter has no legal requirements. 

XXXX I received notice from the foreclosure attorney that the property was in pre-foreclosure. 

XXXX I filed a lawsuit against the loanDepot.com, LLC & a court hearing to stop the foreclosure. 

XXXX ( today XX/XX/year> ) the hearing to stop the foreclosure, the judge said he would give a ruling by the end of this week. Today I heard in court that the foreclosure lawyer is starting the auction process
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

I previously submitted this complaint and the number associated with that complaint is XXXX. I again ask for your assistance. 

On XX/XX/2017, I made an electronic payment through Wells Fargo to XXXX in the amount of {$500.00}. I have come to learn that this payment was made via bulk transfer from Wells Fargo to XXXX utilizing some XXXX XXXX agreement between Wells Fargo and XXXX. These facts I have learned during the numerous phone calls I have had with them since XX/XX/XXXX in an attempt to recover my money. 

I still do not have my money. Neither Wells or XXXX can find my money. I don't know who has it so there is really nothing more I can do. And, {$500.00} is ALOT of money to me, even though it is a miniscule percentage of the amount electronically sent daily from Wells to XXXX XXXX. Nevertheless, I am left without my money and no recourse. This is an area you could help protect consumers. Please read.