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

My beloved mother sadly died. Everbank told us that we had to submit her death certificate, the probate documents and a notarized letter from the executor of her estate ( that's me ) saying where to send the money from her account. I sent Everbank those documents, and they are refusing to send us the money from her account. We are the only beneficiaries from the estate, both co-listed on the probate documents which is fully closed. There is no reason not to give us the money. We searched for complaints about this bank, and there are literally hundreds of complaints online saying that they fraudulently froze people 's accounts and refused to give them their money back, just as they are doing to us. I honestly think they do this to people as their business plan, as a way to increase their liquidity. And then they try to claim that the account holders are committing fraud as a way to hide that they are the ones committing fraud ( after all, *they* are the ones who stole money from us ).
Product: Debt collection

We explained to the debt collector that this matter has already been resolved with XXXX XXXX ( vendor ), and a copy of the check that was paid has been provided to the insurance company. No balance is due.
Product: Credit reporting

The account was discharged from my account XXXX 2011 please removed from my credit report
Product: Mortgage

1. Consumer requested escrow account be removed from consumer 's account. Mortgage company refused. NOTE : Consumer had paid in excess of $ XXXX in principal curtailments. 
2. Consumer paid consumer 's property taxes in full, in advance, and homeowner 's insurance in full, in advance ; however, mortgage company purported to receive additional bills from the County Tax Office and Insurance Company. Mortgage company refused to provide Consumer with evidence of cancelled checks to either the County Tax Office or to the Insurance Company. Consumer met with County Tax Office and Insurance Company, both who denied ever receiving funds from the Mortgage Company ; however, acknowledged and provided receipts of payment in FULL from the individual Consumer. 
3. Consumer reminded Mortgage Company that there is no PMI associated with Consumer 's loan. Mortgage Company, corrected this mistake in writing ; however, in XX/XX/2021 monthly statement, deducts nearly {$800.00} to pay a purported PMI fee. 
4. Consumer requested : removal of escrow account ; refund of escrow surplus ; and removal of PMI. Mortgage company denied all three of Consumer 's requests.

5. Consumer received an increase of {$390.00} monthly to Consumer 's {$850.00} montly mortgage payment, due to an purported 'escrow shortage '.

6. Consumer made all of the above requests in writing and countless phone calls, without avail.
Product: Debt collection

After being laid off and struggling to get bills paid on time, I contacted Navy Federal Credit Union for assistance and payment arrangements. Since doing that it 's been an utter nightmare as they have continued to ignore any arrangements made and constantly transfer funds out of my account. These transfers sometimes are reversed immediately upon contacting them, while others can take 24-48+ hours for resolution. Around 14 calls lasting 15+ minutes or longer to Navy Fed and 4 lasting with numerous cancelled transfers I have reached my breaking point and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; ( Original Creditor : XXXX  XXXX   XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ;
Product: Credit reporting or other personal consumer reports

TransUnion lowered my XXXX score, and they blamed XXXX for doing it. Then, they referred me to their website, apparently, so I could fix it for them.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND THIS ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THAT FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSIBLE. XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020 I AM ALSO ATTACHING MY IDENITY THEFT REPORT, SOCIAL SECURITY CARD, DRIVER LICENSE AND UTILITY BILL. 

THANK YOU
Product: Payday loan, title loan, personal loan, or advance loan

Taken amount at one time it was set up to the XXXX and it was taken out on the XXXX and at this time is pending. It made it hard to pay my rent because it wasnt on the date that was expected and I need to pay my rent. 
XXXX dollars was taken out on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

Hello, Today is XX/XX/XXXX. I am filing a complaint against USAA bank for a decision made in a payment dispute. On XX/XX/XXXX, I made a payment to a debtor, XXXX, for the amount of {$380.00}. On XX/XX/XXXX, I received my federal tax refund in the amount of {$4500.00}. The tax return was originally {$4900.00} ; however, the IRS made a payment to XXXX on XX/XX/13 in the amount of {$400.00}. I was not aware that this occurred prior to my payment of {$380.00}. 

I disputes the charge and a temporary credit of {$380.00} was applied to my account by USAA. I received a letter from the IRS a few days after my payment of {$380.00} stating the deduction of my tax return to pay a debt. 

On XX/XX/XXXX, I submitted a dispute request on my credit report to XXXX. I uploaded the document that I had received from the IRS. On XX/XX/XXXX, I received notice about my dispute results from XX/XX/XXXX ; the debt of {$380.00} from XXXX was removed from my credit report, as the debt had been paid. 

I received notice from USAA bank on XX/XX/XXXX to submit detailed information regarding the charge by XX/XX/XXXX. If not, then my checking account credit of {$380.00} would be reversed on XX/XX/XXXX. 

On XX/XX/XXXX, I uploaded the IRS document to USAA. I called USAA around noon to confirm that they had received the document and if it was sufficient information they needed. 

USAA verbally told me that my information was sufficient. They also made a note in my account on XX/XX/XXXX with my request for documentation to a verbal approval. I had made multiple calls ( 3 representatives ) about the information that I provided. During these phone calls, I explained to USAA the document and how it relates to deposits and charges to my account. 

On XX/XX/XXXX, my account was debited {$380.00}. USAA had concluded that I had not provided them with sufficient information. When I explained this information to a senior member in their service department, she said that I could send an email to USAA explaining everything that I have to you in this complaint as an affidavit. USAA does not support email as a medium for me to contact them directly. 

Im frustrated with their service. I live paycheck to paycheck living in the XXXX XXXX. USAA has disrupted my livelihood and now I must worry whether their investigation into my dispute against their decision will come before the XXXX of the month.
Product: Credit card

I attempted to pay my balance on the American Express website on XX/XX/year> of {$2000.00}. The payment was returned the same day citing insufficient funds, despite the account I was attempting to pull from having {$2300.00} as an available balance. I was then charged a fee of {$250.00} for the returned payment on XX/XX/year>. I attempted the payment again on the same day. This time having {$2500.00} in the account. It was once again returned, and American Express charged me a {$29.00} return fee. I have recently attempted to pay my balance again, and I an waiting to see if it will be successful. On XX/XX/year>, I called to attempt to have those fees removed since the problem came from American Express rather than myself or my other bank. That request was denied, so I canceled my card with American Express.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX DE XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Inquiries included in dispute XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I opened a savings account with Citibank on XX/XX/2019. I was advised with a {$5000.00} deposit I would receive a {$200.00} credit if I kept a balance minimum of XXXX in the account for 60 days. The {$200.00} credit would be credited after 60 to 90 days of that date. 
My balance never went below XXXX as I deposited XXXX and with that amount would not be charged any service fees. Needless to say they never credited me back the {$200.00} for keeping the minimum balance for the minimum time Citibank had requested the funds be in the account. Citibank has refused to even acknowledge this offer.
Product: Vehicle loan or lease

i went to a dealership in ford XXXX at XXXX  florida zip code XXXX to check my car and the sales man told me that he need my info just to pre qualify me without running my credit and after a day i found out they run my credit many times without my permission.
Product: Credit card

Chase Bank raised the interest rates on my Chase XXXX Credit card, my Chase Slate Card, my XXXX XXXX XXXX Card from the current 19.24 % to 24.99 % for cash advances. this represents a 29.89 % increase. Chase also raised the Balance Transfer fee from 3 % to 5 %, which represents a 66.7 %. This is outrageous and I believe it enables them to act like loan sharks. They have also raised their late payment and return payment fees exorbitantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified letter to XXXX XXXX on XX/XX/2019, stating that I was never late on my mortgage and on my credit report it should say ACCOUNT CLOSED AND PAID AS AGREED. I called XXXX them on XX/XX/2019 and they had know Knowledge of me or my account. Please ask XXXX XXXX to please report no closed and paid as agreed.Thank you
Product: Checking or savings account

My account was charged twice for {$100.00} equaling a total of {$100.00} for a cash transaction that I did not authorize and I am unaware of the recipient. I have sent in multiple disputes to Chime and they have deny my request but I have all the proof needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXXXX/XX/XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$74000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX{$980.00} XXXX XXXX XXXX XXXX   XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$4000.00} XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX   XX/XX/XXXX {$7400.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00}
Product: Bank account or service

I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!
Product: Debt collection

I spoke to a XXXX I was trying to get transferred from the loss mitigation department she refused to transfer me u less I give her my full social I told her it's other ways to look up my account other than giving my XXXX digit social she refused to look any other way she said no that's is not I told her so on a recorded line you are refusing to help me because I will not provide my full social she said yes ask for supervisor she kept me on hold and transfer to a random Que in which I end up hanging up like who train these people??? I'm in a hardship trying get arrangements on my loan and to be treated like this is absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card

I'm not sure how much. I'm not given what kind of purchases but I closed out my account last year. 
I shouldn't have to pay this amount I'd I haven't made any.
Product: Credit reporting or other personal consumer reports

Ive noticed an account on my credit report that doesnt belong to me. I believe it might be due to identity theft or fraud.
Product: Checking or savings account

On XX/XX/2020 I received an email from Chime stating that they closed my Chime spending account. I was not given a reason why nor was advised how to get funds that were in my Chime spending and savings account. I contacted Chime and they said The XXXX authorized the account to be closed. I got in touch with The XXXX and they said they do not have access to my account. So, for a month I've been back and forth with representatives finger pointing but not assisting me with getting my funds from the closed account.
Product: Student loan

My students loans are showing up late and they never have been late. They will not update to reflect the account as being on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Discover credit card that was not supposed to effect my credit score. But I have lost a point on my score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019. I opened a dispute regarding fraudulent activity on my Equifax Credit Report. The confirmation number for the dispute is XXXX. I received an email stating that the results should take 30 days which is allowed. I've since checked my results and they have did not complete a valid investigation on one account that was disputed specifically XXXX- a collection item. I spoken to several reps to try to resolve this but they can not provide me results and one rep told me that " they entered the wrong code '' So he then advised me to open another dispute since It was still displayed on my credit report. But it has been pass the 30 days and the result for that account was not complete. This is a violation. It is now XX/XX/2019 no results have been updated.
Product: Debt collection

Nelson & Kennard attorneys at law XXXX XXXX XXXX XXXX, CA XXXX To Whom it may concern, This letter is being sent to you in accordance with 15 U.S. Code 1692 of the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that you have engaged in actions that violate the provisions outlined in the aforementioned statute. I demand that you cease and desist from further violations immediately.

Specifically, I am asserting that your actions constitute unfair or unconscionable means to collect or attempt to collect a debt. Your conduct includes, but is not limited to, the following : 1. Using harassing or abusive tactics in connection with the collection of a debt. 
XXXX. Making false, deceptive, or misleading representations in connection with the collection of a debt. 
XXXX. Using unfair or unconscionable means to collect or attempt to collect a debt. 

These actions are clear violations of the FDCPA to name a few, 15 U.S. Code 1692b ( 2 ) ,15 U.S. Code 1692c ( c ) ,15 U.S. Code 1692e ( 2 ) ( A ) ,15 U.S. Code 1692e ( 3 ), these are just a few of the statutes that you are violating and they are causing undue mental and financial distress and inconvenience to my life. 

I demand that you immediately cease and desist from any further communication or attempts to collect the debt in question. Pursuant to 15 U.S. Code 1692 ( c ), you are hereby notified to cease all communication and collection with me, except as permitted by the FDCPA.

Failure to comply with this demand will result in further legal action being taken against you. Please be advised that I am prepared to pursue all available remedies under the law to ensure that our rights are protected.

Furthermore, please note that this letter is not an acknowledgment of any liability on my part, and it is sent without prejudice to our rights and defenses, all of which are expressly reserved.

I expect your prompt compliance ( as stated 15 U.S. Code 1692g ( a ) ) with this demand. If you have any questions or concerns regarding this matter, please do not hesitate to contact me. 

Also 2 forms of Identification were sent on my behalf as well with the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX  Below is the accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account CollectionsXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Product: Debt collection

XXXX of XXXX lawfirm called my phone on XXXX/XXXX/17 in an attempt to get information to serve me court documents. I explained to him that I was unaware of who Household Bank was and he laughed. I told him the call was being recorded and he became indignant. He said that he was not giving me any other information other than the name. He hung up on me several times once I tried to get information. These calls are all recorded. He better leave me the XXXX alone. As far as in concerned he 's a XXXX con artist.
Product: Debt collection

RE : Your Reference Number XXXX I requested the following information from the collection agency regarding the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not received a response.