23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My son stole checks from us ( Wells Fargo Checking Account ) and cashed them into his Wells Fargo Checking account. The checks were NOT SIGNED and the " To '' Field was NOT FILLED OUT. He deposited them at an Wells Fargo ATM. A total of XXXX checks for a total amount of {$4600.00} over a period of over a months were cashed. Wells Fargo did not flag or return any of these checks despite the obvious deficiencies ( see attached file for a copy of the checks ). When I talked to Wells Fargo about this, they said that the ATM is just a machine and can not verify checks, that there are too many checks cashed every day at ATM 's for Wells Fargo to verify them and that it is up to the account owner to catch any deficiencies. We also field a fraud claim with Wells Fargo, which was denied based on the fact that we are signers on both accounts ( our and as parents on the teen checking account ). 
I understand that my son 's action are my responsibility and I agree with the reasoning for denying the fraud claim - after all, if the bank tried to recover the money from him, it would have to come from us since he does n't have any ... However, I have a serious issue with a bank shrugging off the responsibility for reviewing checks. If they chose to delegate check acceptance to a machine ( ATM ), they need to put the same controls in place that they have at the counter. No teller would have accepted a check without a signature, a check without a " to '' field, a check without a date or a check where the number and word amount does not match - yet for an ATM to accept them and no-one reviewing them afterwards is supposed to be acceptable? Our son tried writing several small checks first and when they went through the system without raising any flags, he followed with more and bigger checks. If the bank had caught the clearly incomplete checks within 5-10 business days, we would have been alerted and could have stopped it right then. This would have limited our losses to {$750.00} and would have meant a misdemeanor charge for our son. Because the bank continued to honor these checks with no review whatsoever, he continued to write them and our losses went up to {$4600.00} before we caught it on our bank statement and our son now faces felony charges.
Product: Checking or savings account

On XX/XX/XXXX the bank said I withdrew {$2000.00} from my bank but it was withdrawn from another persons bank. On XX/XX/XXXX they charged me {$2000.00} to my bank but when I called the bank and asked what was that for they had no clue. I went to the bank thinking it was a mistake from another company and then they tell me it was mistake in the system and that they called me but I was just at the bank and withdrew money and nobody told me anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


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

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXXXXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXX XXXX XXXX XXXX. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXXXXXX XXXXXXXX XXXX XXXX. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXX XXXX. '' When I tried to call the number for XXXX XXXX, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with XXXX XXXX XXXXXXXX, also on XXXX XXXX XXXX That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX XXXX XXXXXXXX XXXX '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Product: Credit reporting or other personal consumer reports

It is to my knowledge that Equifax, Experian and Transunion are all under investigation with you all and I would consider/ grant my self the ability from you the report bureau to further assist me in Removals union this national lawsuit you have placed amongst these agencies
Product: Credit card

This company is unethical as it never disclosed the payment terms nor sent the arrangement in the mail as required by law, then charges me a late fee while I am in the program Called on XX/XX/year> and was lied to that a manager would call me back by the XXXX and the XXXX sorry excuse for an supervisor I spoke to made me feel harassed which is a violation of the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XX/XX/XXXXXXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}, {$81.00}, {$2700.00} which is incorrect.
Product: Checking or savings account

citizens bank would not do a charge back for XXXX dollors for something I ordered online that never arrived and the company I bought it from disappeared.
Product: Credit card

I accidentally made a payment to my Walmart- capital one credit card. I disputed the payment to be returned to me, case # XXXX. I received a letter from Capital one dated XX/XX/year> stating there was an error and they had fixed it. I was direct deposited that amount to my bank. Sometime during that process capital one stopped doing business with Walmart and my credit card went to Capital one- XXXX. My account statement for XXXX now shows a transaction of XXXX which is the exact amount that was given back. Capital one is re charging me what was returned to me which is the amount disputed.
Product: Mortgage

Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Midstate Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX Bankruptcy  : XXXX ( XXXX XXXX XXXX Illinois ) This collections entity is using data and sending informtion to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankrptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & Midstate ALL informaiton and discharg info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employement and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal.
Product: Bank account or service

I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Bank of America in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation.
Product: Debt collection

I have a balance with XXXX college of {$1500.00}. The representative stated I could only make 4 payments to avoid this being on my credit report. I did set up payments to avoid this however someone hacked my checking account and the first payment was returned. I can not afford the payment of {$400.00} every 2 weeks at this time. Until my account is credited and everything is caught up I can afford {$100.00} a month for the time being. I do not want this to hit my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Accounts Below XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Open date : XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America allowed a levy to be put against my savings account in the amount of XXXX The lien or levy was initiated by a lawyer, in XXXX XXXX, using whats called a confession of judgment. I knew absolutely nothing of this. Ive never received a summons or been notified in any fashion shape or form. Nothing of this has showed up on my credit report. Nothing after speaking to the law firm that actually initiated it is come to my attention that this is an identity theft situation. Someone has used my identity to apply for a merchant, cash advance, essentially forming a company and getting a cash advance from these people in XXXX XXXX and never paying it back. 

I have attempted to handle this with Bank of America without any success. Ive also sent the law firm the appropriate paperwork showing that I filed a police report for identity theft. They have told me I am out of luck and they dont care. 

Bank of America has told me that I have to handle it with the law firm that started it and I cant because they dont care I dont have the money for a lawyer because Bank of America has assets Im a resident of the state of California in the state of California, a confession of judgment which is the method used in order to initiate this lane is not valid they dont recognize them in the state of California In the state of New York, where this is issued, they can issue a confession of judgment and put a lien on an account, but not for out of state residence Furthermore, in the state of California, the only time you can put a levee in, and a of possession signed by a judge, and they do not have anything signed by a judge. The Levy was placed using a confession of judgment that is not valid in the state and which I reside. 

Bank of America is refusing to acknowledge their mistake even though just recently they lost and had to pay {$10.00} XXXX in a action lawsuit for this exact same thing for issuing and implementing levies for out-of-state levies, and not verifying the information and the guidelines for which the state of person lives The only reason I came into possession of this money in the first place was because my mother passed away, and this was payment from a life insurance that I desperately need in order to pay the funeral Ive never received any kind of paperwork. Nothing and Bank of America is refusing to assist in releasing these funds back to me even though I showed them police reports and pointed out their error. They dont want to do anything about it. 

I was injured recently and have been out of work for many months. I dont have the money to pay the funeral and wait for this money to come back. This is completely devastated my household, and will leave me in a state of bankruptcy. 

Please help
Product: Credit card or prepaid card

Hello, I applied for a XXXX credit card 3 years ago, made a purchase and pay over time - account had {$0.00} balance and no movements since then ( more than a year ) Last month I started to receive calls that I was pending and overdue to pay a comenity card. Looks like XXXX moved the portfolio to comenity, they submit a card which I never received and somehow someone made two fraudulent transactions. 

I call comenity and was really difficult to get above story because they were asking me for account details or statement which I never received because i did not sign for a comenity card - fraud department told me that those were fraudulent transactions and they will review they cancelled my account per my request but they call me 5 to 6 times a day asking me to pay them. XXXX XXXX does not talk to fraud and I call customer service and they are unable to tell me any status meanwhile interest pile up. 

Can you help me? I did not agree to have a comenity card nor did transactions never received a card and have no statements or anything related that bank I knew I had a card based on XXXX XXXX review done
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Coinbase disabled the trading of my account. My account was a fully verified account : legal ID and SSN were provided to Coinbase as  required in XXXX. No communication or notification was given to me by Coinbase in any form about why the trading ability was disabled. All " Good till Cancel '' limit orders were also removed without any form of notification by Coinbase. 

On XX/XX/XXXX, I contacted the customer service and they stated they can not provide any reason as in why my account trading was disabled and why all the orders were removed. They also stated they could not provide any estimation of when I can receive a follow up of the problem investigation, not to mention when can the problem be resolved. An escalated support case was raised and case number is XXXX. I was told to check after 2 business days however till now there is not any update about this case by Coinbase.

I am launching this official complaint with the Consumer Financial Protection Bureau about the below Coinbase/GDAX 's multiple unprofessional malpractices : 1. My account trading is disabled without any notification in any form even my identity was fully verified long time ago.

2. When contacted with Coinbase/GDAX customer support, no reason was given about why the trading is disable.

3. No estimation was given on when I can hear back on the escalated case for the problem.

4. Good till cancel order was removed without any notification nor with any explanation why.
Product: Mortgage

I am submitting this complaint against JP Morgan Chase I am submitting a complaint against JP Morgan Chase Bank. In XX/XX/2020, I started a loan process with the Bank. All were going great. I was awarded a decision to close. But a few events were striking that made me doubt the helpfulness of some employees of the employees who were working on the case. 

For instance, the underwriting staff took many days off without ever communicating to me ; one employee told me that he could not confidently award me a mortgage because I have no solid income. I am making enough to be qualified for a loan more than what I was seeking from JP Morgan. 

When I reached out the manager, I was told all was perfect and the loan will be finalized by/in the following week. During the next few weeks, contact was minimal, and I was never told about the need to extend the loan commitment. The process was dragged, and I kept asking for extensions while they continued to extend the closing date, which was scheduled to be on XX/XX/2020. 

After 3 extensions, I realized the possibility of getting a denial was very likely. When I realized that my earnest money deposit was in jeopardy, I told JP that I had no more documents to submit, and thus they have had to make a decision based on the ones they had. By then, I already submitted bank statements, contracts, homeowner 's insurance, flood insurance - all which were requirements for approval of the loan. 

Chase failed to uphold its stipulations. The loan was denied. When I found out from my realtor that the EMD was subject for seizure by the sellers ' agent, I reached out to Chase to provide me a letter of denial so I could safeguard my deposit. I received the decision of denial by Monday, the XXXX of XXXX. I promptly asked for the letter. After many failed attempts to get a copy of the letter, I threatened to hire a lawyer. Until then the manager reached out to me. I received the letter on XX/XX/XXXX. By then, {$9800.00} dollars were subject to seizure. 

I want the Bureau to look into this matter because it seems that this is negligence. While I will not say this is racism, a XXXX friend of mine applied for a slightly higher loan, with less income, and was granted the loan. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit report that Ive found been fraudulently opened without my consent and I want them removed immediately because its negatively impacted me on getting credit cards and other loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions
Product: Debt collection

This Item on my credit report I dont know what this is. Its an amount for XXXX. The company never reached out.i tried to reach out they dont have my information in the system
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX  and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.