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

XXXX XXXX Claim Numbers:XXXX Claim Number : XXXX Claim Number : XXXX Claim Number XXXX These claims were unfortunately all connected. There was an online banking scam with XXXX XXXX and XXXX XXXX that added me fraudulently to their bank account ending in XXXX. This took place on XX/XX/2022. I was a platinum honors client. The two people involved committed online identity theft and linked 3 of my online banking accounts to their fraud account and placed my name on it. As a result they were able to remove funds from my savings, personal checking and business account to their account through online banking. They were able to withdraw large sums of money. When I alerted BOA I immediately went to the branch to withdraw my money due to the lack of security. I was able to transfer my funds to XXXX XXXX. Now BOA states that I have a negative balance in all four accounts due to the money that XXXX XXXX and XXXX XXXX withdrew illegally. 

This is my second fraud case with bank of america in 2022 - I have attached information for all claims
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Reference previous Complaint XXXX that details the dates and actions taken to remedy this situation. 

Experian had commited to remove the voluminous fraudulent/incorrect/mixed information from my credit report ; however, this has not happened. Experian 's commitment is documented in a letter to Experian, that was attached in the above referenced complaint. This has been an almost two year effort to resolve this. 

All the fraudulent person information, false social security numbers ( over 30 different social security numbers! ), numerous names & addresses and accounts that do not belong to me are resulting in a poor credit rating that has adversely impacted me.
Product: Credit card or prepaid card

Hello Team, I have applied for Wells Fargo Active Cash Credit card Online ( Application # : XXXX ) with an excellent credit score on XX/XX/2022. 

Below is the Terms and Condition of that credit card published on the bank 's website. I have also downloaded a PDF copy of the Terms and Condition as of today, Just in case if, the bank change any clause while you are investigating on this.

URL - Terms and Condition XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nowhere in the Terms and Condition its mentioned that the credit card can only be applied by United States Citizens or Permanent U.S. Residency.

My application was moved to pending state asking for additional documents ( Two most recent pay stubs ) as part of the first review. I provided the same visiting the Wells Fargo branch ( XXXX XXXX XXXX, XXXX XXXX, CT XXXX ) on XX/XX/2022 XXXX PM EST ( I have the Fax Call Report shared by the bank ) On XX/XX/2022, I called the credit card department for the status and I was asked for additional documents ( Proof of Permanent U.S. Residency ) as part of the second review, Which was not a relevant document in my scenario, as am here in United States in a XXXX XXXX. I have also clearly selected that options on the online application form that am a citizen from a different country. 

I met with the Branch Manager, In-direct and explained the same.

While I was in the branch, the Branch Manager called the credit department and escalated the complaint ( Complaint ID : XXXX ) on XXXX XXXX. 

I received couple of calls from the respective escalation department. On the first call I mentioned all the above and I also informed that this credit card was approved for my friend who is the same XXXX category ( he is also a XXXX US citizen ) and they did said they will get back to me on validating this. On the second call, they again said they were not able to validate the permanent US residency of mine which is not a relevant document as per the selection I chose on the online application. 

Note : I can share my friend credit card account details with his consent I feel am not treated fairly by the bank ( Approving a credit card for a non-citizen with same visa status as mine and denying my application stating that they are not able to verify my permanent U.S. Residency when there is no clause mentioning the same ) Am seeking your help in further investigation on this matters as you have mentioned on your website that as a " Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions '' Kindly investigate and provide a fair Judgement.
Product: Credit reporting or other personal consumer reports

The following inquiry was not permitted : XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Checking or savings account

Marcus locked my account because I changed my address information. I have called multiple times and they are very agressive on the phone and are not willing to help finding a solution to check on my identity. I have tried multiple ways and offered even traveling to the XXXX ( Im leaving abroad ). They have denied affidavits, not willing to meet on any way. I have over XXXX in my account ( all my life savings ) and have been going trough a health treatment which I urgently need the money to pay my bills and medical bills too. They have no sense of urgency and as of now I consider they are taking me/my money hostage. Im going to be pursuing legal actions. Its 2023 and with all the technology available they are unable to help. I have moved outside the XXXX but still have an address I receive my mail and that shouldnt be an enormous blocker to verify my identity.
Product: Checking or savings account

Huntington offers a 24 hour grace to customers. Apparently, I am not privileged enough to receive 24 hour grace on my checking account like other Huntington customers. Huntington has stopped honoring the 24 hour grace that is allowed to other Huntington customers. I went to Huntington bank to ask why features offered on my account are no longer available. I was told they can not tell me why and they dont know why they are declining my transactions. I asked who they were and they said Huntington Bank. I asked if thats who I was talking to and the customer service rep did confirm that they and the person I was speaking with are part of the same group of they. I would apparently be accurate in stating that they are indeed Huntington Bank. So, Huntington Bank can not tell me why they are no longer honoring the 24 hour grace that other customers have on their accounts. I would like to know what criteria Huntington Bank uses to determine who they deny this feature to whenever they feel like it. When I went to the bank, the doors were locked and only allowing customers through drive through. When I call, I cant speak with a representative for 2 days. I have to schedule a phone call two days in advance. Huntington is also not posting deposits and holding on to them for someone elses benefit. I want to know if Huntington uses racial demographics to determine who and who isnt allowed to use the 24 hour grace feature.
Product: Mortgage

I had reached out to Bank of American for refinance of my home loan. Due to my low credit score I was  decline. The bank suggest re-modification of my loan. I am current on my mortgage, but it is becoming a challenge to try and come up with {$4000.00} and up for property taxes and paying for home insurance. I am asking to lower the interest rate and to include property taxes and home insurance into my mortgage. I have been with BOA for over 20 years. I was never delinquent on my mortgage or property taxes. 

I had applied for modification and BOA solution was a short sale. They did not offer me the above option. I was part of a class action lawsuit with BOA, years ago. I feel like there is not change. This is the second time, I have reached out for help ; with no success.
Product: Mortgage

I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing , LLC. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed this credit card issued by XXXX XXXX XXXX XXXX. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through transunion, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with Transunion, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within 20 calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. Transunion stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.
Product: Checking or savings account

XXXX separate fraudulent transactions stole approximately {$32000.00} from my American Express National Bank Account. The Bank created XXXX separate ticket items for these thefts. The Bank did not provide provisional credit within XXXX  days as required by law. The Bank then denied each theft claiming an investigation that they did not make. Additionally, American Express alleged that I took out a business loan for {$74000.00} that I did not make. They deposited the {$74000.00} into my XXXX Bank Account. The thief of my funds then tried to transfer {$69000.00} of the loan funds back into my AMEX XXXX Account to presumably steal that money. I froze the XXXX account to prevent it. I authorized AMEX to take back the {$74000.00}, but they failed to do so. AMEX then closed the loan investigation without resolution.
Product: Debt collection

On XX/XX/year> i used one of the parking lots managed by XXXX XXXX XXXX in XXXX, FL ; on the premises they posted signs of QR codes that will redirect you to a website to pay for parking, so I did. I paid an initial amount for {$5.00} and i overstayed my initial parking but they also didn't take payment past midnight, so I left the premises. a few weeks after the fact I received letters from said company threatening to send me to a collection agency if I didn't pay {$90.00}, i tried to dispute and bargain with them but the company doesnt let you speak to a human agent. After two months of receiving several letters from them, i received communication from PENN CREDIT CORPORATION, several letters a week and daily calls from said company threatening legal action/damage my credit report if i didn't pay said debt. I never entered an agreement with Penn Credit, i never provided any financial information to them and they are calling me and my family on a constant basis.
Product: Debt collection

XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX first claimed that On XX/XX/XXXX, The Company formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX behalf. It was later found out in an investigation done by Equifax that was false. XXXX waived this fee back in XXXX of XXXX as part of their Keep Americans connected pledge. XXXX officially went out of business on XX/XX/XXXX and XXXX took over. XXXX is unable to find a delinquency because there is none. XXXX illegally accessed my information XXXX did not assign this to them on XX/XX/XXXX. XXXX cant even find a negative balance because there is none. This was right at the start of Covid-19 and was waived by XXXX in response to Covid.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for several loans of Omni Financial of Nevada , Inc. back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The loan amount was {$3300.00} in total. My monthly payments were set up for {$150.00} out of my military checks twice out of the month. Then, it jumped up to {$190.00} twice out of the month later in the year of XXXX. They also have me on a extremely high interest rate of 33.122 % and taking out interest accruals. As a XXXX XXXX XXXX, my interest is not supposed to be that high. They also don't have all the documents on your account that you can see online. It stops at a certain date.
Product: Debt collection

I was sent an agreement to reduce garnishment withholding but the amount I owe was n't on the notice. When I called the rep could n't give me the exact amount of what I owe and break down did n't add up.
Product: Checking or savings account

I have tries to reconnect my PNC account to my sons XXXX account and my own XXXX account several times over the last year, even with the help of the bank, but it doesnt work. Thw accounts were connected when I first opened them, but since then the bank has changed something which makes it impossible to link it to outside accounts such as XXXX. This is ridiculous and I will have to get another bank account somewhere else if it is not resolved because I need to be able to transfer money to and from my son 's XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX  # XXXX, Account : XXXX card # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXXXXXX XXXXXXXX # XXXX, Account : XXXX XXXXXXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX  # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account : XXXX # XXXX, has violated my rights. 

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

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

Around XX/XX/2021, I noticed a collection appearing on my Equifax XXXX XXXX Credit Reports from XXXX XXXX XXXX in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both Equifax XXXX Credit Bureau. I received Equifax XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by Equifax report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and Equifax credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) XXXX  XXXX  XXXX  account # XXXX XXXX ) lvnv funding account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Hi! Good day. The transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thank you!
Product: Debt collection

I am writing to formally submit a complaint against Banco Popular de Puerto Rico concerning their actions ( or lack thereof ) due to their inadequate response to my concerns related to account number [ XXXX ]. Despite multiples attempts to resolve this matter have been met with persistent non-responsiveness, or lack thereof as I have encounter significant challenges by their staff and executives, which I believe raises significant concerns regarding compliance with consumer protection laws and regulations. Whereas these events for lack of adequate communication have not only caused frustration but also impacted on my financial planning and most of all my peace of mind but not limited to my family. 
XXXX. Description of the Issue : On these days [ XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ], I made multiple attempts to communicate with the executives of Banco Popular, XXXX XXXX XXXX and XXXX XXXX XXXX. Specifically, my attempts included : XX/XX/year> : Sent a notice via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX  XXXX ) which was received by the institution on XX/XX/year>. 
XX/XX/year> : Follow-up notice via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX  XXXX ) received on XX/XX/year>. 
XX/XX/year> : Email sent to XXXX regarding my powers of attorney. 
XX/XX/year> : Notice of breach of trust sent via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was received by the institution and returned to sender. 
XX/XX/year> : I sent the second NOTICE to the XXXX XXXX XXXX via Certified & Registered mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, and received by the institution on XX/XX/year>, XXXX XXXX, as verifiable by USPS. 
XX/XX/year> : Certificate of non-response communicated via certified mail ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), received on XX/XX/year>. 
XX/XX/year> : Last notification sent via email ( XXXX ) which has also gone unanswered.