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

Hello. Before starting, I would like to thank you for helping me. I opened business account with Bank Of America. The name of the business is XXXX XXXX. However, after 3 days it was opened, the bank closed the account. They never answered me back so I could know why they closed it. However, the issue is that they required me to deposit XXXX $ when opening the card, and I did so. After they closed down the account, I called them several times to understand how could I get my money back from the account. Neither time they knew what was going to happen. Let me also mention that the company is based in WA but the mailing adress is in CA address. I even received my debit cards to my CA address, but I could not withdraw any money from it because the account was already closed when I received the card. Today I went to BOFA branch asking them to give my money back, however, they stated that I had to call BOFA for that and provided the number XXXX. I called them, spoke for 1 hour, asked them where is the money, they told me that they mailed it to WA address. I told them that they were not supposed to do so because my mailing address was in CA and I need that money ASAP. They told me that they can not do anything about it and that I have to wait 120 days for them to reissue the check. They told me they are not going to void it. It is only their fault. Why would they send my debit card to the correct address, but send the check to a different one? I begged them to reissue it as I need that money desperatelly, they said nothing could be done. I even made a complaint against them and the complaint # is XXXX.
Product: Debt collection

I sent a letter requesting this information XX/XX/year> and I haven't gotten a response at all from the company. This is what I asked for and did not receive I would like this debt deleted since the company failed to supply such requested information and we are way passed the 30 day time period. 

1. Send me a detailed list of the history of payments made by me on this account. 
2. I want to see a copy of the contract with my signature agreeing to pay this creditor 3. Has there been any insurance claim filed on this debt 4. Please provide proof that you have chain of title to collect on this debt.
Product: Checking or savings account

On XX/XX/XXXX I purchased two airline tickets ( XXXX XXXX ) and paid with my debit card ( Capital One ). The correct XXXX charges appeared, posted XX/XX/XXXX in the amounts of {$540.00} and {$540.00}. But in addition to that, another charge for the total amount was listed as pending : {$1000.00}. On XX/XX/XXXX, I called XXXX XXXX, and they said it was the bank 's issue. I called Capital One, and they said it's coming from/initiated by XX/XX/XXXX merchant hold until XX/XX/XXXX, and there is nothing they can do to release it. I called XXXX XXXX again, and apparently, nobody can do anything about it, but meanwhile, they have tied up over {$1000.00} of my money for a week! And there was no notice or indication this was going to happen. ( If I had automatic payments on this account, then all kinds of other transactions would have been declined, etc. Luckily, I do not. ) But it is not right that these large companies can keep tossing the ball back and forth, and nobody can do anything about it. They should not tie up my money for a week, especially with no notice on the website before I completed the transaction.
Product: Checking or savings account

On a weekly basis BB & T banking practices put me in an overdraft.. The bank takes from available which makes it pending.. And then will also charge an overdraft fee for a pending transactions when a pending deposit is credited / pending. The bank manager is annoyed with me and wants to close my account
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX sent a letter XX/XX/scrub>XXXX XXXX  informing me the us department of education has approved my application for total permanent XXXX discharge. and my loan servicer aidvantage has received all federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> each loan was paid by the department of education. i have a {$0.00} balance on all loans taken out. my credit reports all reflect my loans are all paid, closed, never late. the school is witholding my transcript, and not allowing me to register because they are demanding money they are not owed. none of my loans were taken out through fort hays, all my loans have been satisfied and i should not have been reported to a collection agency to pay. thats not right, and potentially now going to affect me and my future financially.
Product: Mortgage

When I took out my mortgage in   XXXX  , the promised a low interest rate and affordable monthly payment, as advertised. However, the interest rate and the monthly payments did not take place as promise by the bank.  XXXX   XXXX  started a foreclosure against me even though I though I took out a loan with  XXXX    XXXX    XXXX . My case is not an unusual one. I am one of the hundreds of thousands who were victims of the housing bubble.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX  Account Number : XXXX  Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/2021 I pulled my credit report on XXXX and noticed two accounts from NWIDE RECOVRY ( original creditor : XXXX XXXX XXXX XXXX ) what it states on my report ) twice on my credit file. Never heard of them have no knowledge of them or this debt nor did I receive any prior mail or Correspondence from them before seeing these two accounts on my credit file ( XXXX only ). So XXXX XXXX I wrote a letter to dispute these accounts with them and mailed them out XXXX XXXX and NATIONWIDE RECOVERY SYSTEM received my correspondence ( which was HIPPA LETTER & a request for validation ) XXXX XXXX they replied back with a janky letter they quickly wrote up and mailed to me which I received XXXX XXXX saying ( CURENT CREDITOR : XXXX XXXX XXXX ) and stating ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) and a file number saying this is what I requested and had another page attached which was also another letter they drafted up on their personal computer with a date, XXXX  XXXX ( I dont know if this a doctor name ) XXXX XXXX VISIT W/O collection agency and two of the same amount XXXX and two XXXX addresses as their way of Validating what they have placed on my credit report. They have not properly and accurately respond to my request nor did they properly provide me VALIDATION. So XXXX XXXX I responded to their lack of validation letter with a response of requesting they remove and delete the false reporting off my credit profile Immediately before I take legal action, which they received my correspondence XXXX XXXX which I have proof of ALL THESE DATES AND PAPERS and they decided to report on my XXXX  PROFILE today XXXX XXXX these same two accounts and with a STAUTS that reads included in XXXX Through Bankruptcy chapter XXXX false. At this point they are becoming desperate and they are falsely reporting whatever and tarnishing my image and my name. This is barbaric and not right at all. These credit bureaus are allowing anyone to report whatever they feel like. And they too should be help responsible. 

No one ( credit bureaus ) is Verifying The accuracy of information being placed on peoples credit files. 

I have images and dates for my truthful claims.
Product: Checking or savings account

A friend who lives at a previous address of mine received a statement from Bank of America for an account I did not open. He sent it to me and I contacted Bank of America to close the account. It had no activity but it had maintenance fees. 

Bank of America told me the account was opened in XXXX of 2021 but has refused to provide any additional information. Bank of America has canceled the maintenance fees. 

I would like to know what mailing address ( es ) email address ( es ) and other contact info was associated with the account and how/where it was opened in order to help protect myself from future fraud. This is especially important if any of the information belongs to someone I know. 

I believe Bank of America is refusing to share this information because they opened the account to charge me fees. 

I have twice requested confirmation that the account has been closed and fees waived and all I have received is a generic email about protecting yourself from fraud. 

After a second call with customer service they told me my request has been received and I would get a response after XXXX business days. 

I receive frequent correspondence from Bank of America regarding an employee credit card and a business checking account I am on. I have never received any correspondence regarding this account.
Product: Checking or savings account

From XXXX to XXXX, I was entangled in a phishing scam. The scammers obtained access to my savings account, and I lost a total of {$48000.00}. I reported the incident to reportfraud.ftc.cov. to my local police department, to all the credit bureaus ( XXXX, etc. ) to my state attorney general 's office, and to the FBI Internet Crime Complaint Center. I contacted the Wells Fargo Fraud Claims Department on Sunday, XX/XX/XXXX and filed a report. I was told the report could take up to ten days to complete. I called Wells Fargo on Thursday, XX/XX/XXXX to submit additional information. Later that week, I received a letter from the Online Fraud Claims department. They refunded me a total of {$2200.00}. They claimed the reminder could not be recovered, because either there were not enough funds in the account, or the account had been closed. I do not understand why a paycheck for {$3000.00} was not refunded, because I didn't see where that was related to the withdrawals. I also thought I would receive reimbursement for {$4000.00} paid on my debit card, because of Wells Fargo having a " XXXX liability '' policy on debit card losses. The fine print on the Wells Fargo home page did not discuss scams in any form, so I called Wells Fargo on Thursday, XX/XX/XXXX to clarify, and was told money lost through scams was not covered by the " XXXX liability '' policy. I think it is false advertising to say that a company has a " XXXX liability '' policy if there are exceptions to the policy. In this article published in XX/XX/2023, a Wells Fargo representative stated that " When we learn of fraudulent activity, we take action and work to ensure there's no harm to the consumer. '' https : XXXX I don't think that statement is consistent in my situation, since clearly I have suffered significant harm.
Product: Credit card or prepaid card

On XX/XX/2020 I sent a payment on cashapp too my husband but sent to his old account which cashapp themselves closed out months ago. It has no cashapp $ hashtag name at all, phone number, or email so how the payment was even sent is beyond me It was sent to XXXX. The payment was suppose to go to $ which cashapp stated during emails back and forth that the account was tied together with the other. 
Once payment was sent I realized that there was no recipient just XXXX and immediately contacted support and requested refund. XXXX also contacted cashapp and they stated that the transaction was cancelled and money would be sent back. On XX/XX/2020 I contacted Regions bank and informed them and asked to dispute charge. On XX/XX/2020 I disputed charge with my bank again as I had not heard anything back on the previous day of reporting. XX/XX/2020 I contacted my bank again to see what was going on. They stated Cashapp refused to return $ and the {$300.00} is valid. XXXX and I both have been nonstop emailing cashapp back and forth as they dont have a # to call they have completely stopped responding to me and they sent XXXX another email stating that refund was issued on XX/XX/2020-XX/XX/2020 that it would be returned to the sender and it has not and them stating that along with disputing my transaction with bank states they are trying to keep my {$300.00}. They have sent XXXX and I both emails saying it has been over 3 days since they have heard from either of us and closing out the case. We have emailed daily. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had an FHA mortgage loan thru Wells Fargo in 2009. I then started the process of modifying it thru a goverment program that was offered at the time. Wells Fargo put me on a payment plan during the modification and said it wouldn't be reported negatively my credit. We paid the payment they gave us every month, on time, for 18 months until the modification was complete. I just had my credit ran to see about doing a refinance on my current home loan and the broker shows that wells fargo loan as a foreclosure. I disputed that years ago and thought it had been removed, but apparently it had not. This is really affecting my credit score, and I never defaulted or had a late payment. I did exactly what Wells Fargo instructed me to do.
Product: Debt collection

A member of my household received a letter from a debt collector, identified as Afni. The letter stated that {$1100.00} was owed to XXXX XXXX XXXX XXXX no address, and no date on letter ). Afni offered to settle the debt for {$600.00}, along with standard jargon about responding in 30 days. The letter was addressed to our residence, but the name of the member was misspelled. There are two key problems. 1 ) A person of that spelling does not live in this household. 2 ) The person whose name is similar to that name has never had an account with XXXX XXXX XXXX. An Internet search of similar issues suggests that this company has a history of attempting to collect debt on false accounts. There exists the possibility that someone may have opened an account in this false name, but there is no way for us to verify that possibility. Several websites suggested that calling Afni was ill-advised. Our household sent a written letter of dispute to Afni within 30 days of receiving the initial letter. Afni responded with a follow-up letter, stating that the account is verified, but offered no further evidence of when and how this debt may have accumulated. They again listed XXXX XXXX XXXX, but this time included an address of XXXX. XXXX XXXX, XXXX, TX, XXXX. An Internet search of this address revealed a XX/XX/XXXX entry for a company called XXXXXX/XX/XXXX Theft of Identity. This provides further evidence that this debt is not legitimate.
Product: Debt collection

On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX  XXXX  and XXXX XXXX XXXX  for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts and inquiries listed on my credit report, resulting from a recent data breach. As a victim of this breach, I am exercising my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ) to request the removal of the unauthorized information from my credit report. 
Please find the details of the fraudulent accounts and inquiries below : Fraudulent Accounts XXXXXXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$730.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$13000.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$460.00} XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3900.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2500.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$860.00} XXXX XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX BANK XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXXXXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$770.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$8500.00} XXXX XXXXXXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting

Received two letters from   XXXX   XXXX   XXXX   stating that my accounts with  XXXX   XXXX  were being sold to a collection agency  XXXX   XXXX   XXXX . Acct ending in  XXXX  had a balance of {$3300.00} and acct ending in  XXXX  had a balance of {$3400.00} according to the letters. My wife reviewed our credit reports with   XXXX   credit Bureaus  XXXX , Equifax and  XXXX  since the accounts were a joint account and noticed that the amounts and dates reflected on our reports were different than what the letter stated and that   XXXX   XXXX   XXXX   was also reporting as a separate account from  XXXX  on my   XXXX   report which made it seem like I  had  XXXX   past due accounts instead of jus t  XXXX .     XXXX   reports originally showed as follows :  XXXX  acct ending in  XXXX  balance {$3600.00} opened  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX   acct ending in  XXXX , balance {$3500.00} opened  XXXX / XXXX / XXXX    XX/XX/XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00}. Equifax showed both  XXXX  accts the same as   XXXX   but no  XXXX   XXXX   XXXX  accts.   XXXX   showed no  XX/XX/XXXX  accounts but the   XXXX   XXXX   XXXX   showed as follows :   XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3500.00} opened  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   acct ending in  XXXX  balance {$3100.00} opened  XXXX / XXXX / XXXX . None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from  XXXX   XXXX   XXXX . I never signed a contract with   XXXX   XXXX   XXXX   and my account with  XXXX  was included in a chapter  XXXX  bankruptcy that was filed  XXXX / XXXX / XXXX  so my account should not have been transferred or sold to   XXXX   XXXX   XXXX   or submitted to the collection agency   XXXX   XXXX  . The inaccurate reporting done by  XXXX   XXXX   XXXX  and  XXXX  has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the  XXXX  bureaus as they are inaccurate. My wife filed a consumer finance dispute (  XXXX  ) against  XX/XX/XXXX ,  XX/XX/XXXX   (   XXXX  ) and Equifax (  XXXX  ) on  XXXX / XXXX / XXXX  and in doing so  XXXX  deleted the accounts from her credit report, however the accounts on my credit report were updated as follows :   XXXX -  XXXX   XXXX    acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3100.00},   XXXX   XXXX   acct #  XXXX  and  XXXX  acct opened  XXXX / XXXX / XXXX  {$3500.00} which is still incorrect. Equifax currently shows-   XXXX   acct # ending  XXXX  opened  XXXX  {$3100.00},   XXXX   acct ending #  XXXX  opened  XXXX / XXXX / XXXX  {$3600.00}.   XXXX   currently shows-  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX ,  XXXX   XXXX  acct ending #  XXXX  opened  XXXX / XXXX / XXXX  Due to the continued inaccurate reporting these accounts need to be deleted from my credit report as well. They were deleted from my spouse 's report and the accounts were joint accounts.