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

CLAIM ID - XXXX REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID Client Name - XXXX XXXX XXXX of Birth - XX/XX/ Address on file - XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX Address referenced on the police report - XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date - XX/XX/ TO - BANK OF AMERICA CLAIMS AND RESOLUTIONS ASSOCIATE REQUEST - TO REOPEN AND REDO INVESTIGATION OF CLAIM ID CLAIM ID - XXXX CLAIM AMOUNT - {$4400.00} REASONING FOR REINVESTIGATION - REASONING FOR REDOING THE CLAIM REASON - CLAIM NEEDS TO BE RESEARCHED. THE ATTORNEY AND THE NEW JERSEY COMMISSIONER 'S OFFICE OF BANKING WILL PULL AND SUE IF UNREASONABLE. PROVISIONAL CREDIT NEEDS TO BE APPLIED DURING RESEARCH NYPD POLICE REPORT PROVES THAT BOTH AIRLINE PASSENGERS AT TSA CHECK WITNESSED, XXXX XXXX ITEM STOLEN. PERSONAL ITEMS INCLUDE- AN XXXX, WALLET WITH BANK OF AMERICA DEBIT CARD, AND XXXX XXXX. 
THE NYPD POLICE REPORT PROVIDED TSA SECURITY FOOTAGE LATER PROVED THAT INDEED, XXXX XXXX VITAL DOCUMENTS INCLUDING THE BANK OF AMERICA DEBIT CARD INSIDE HIS WALLET WERE STOLEN AND USED. 
XXXX XXXX, WAS IN XXXX FROM XX/XX/ TO XX/XX/, SO ANY TO ALL NOTIFICATIONS FROM BANK OF AMERICA WERE NOT RECEIVED BECAUSE HE WAS IN XXXX. 
THE NEGATIVE HISTORY BANK OF AMERICA INC. HAS WITH ITS CLIENTS, AS REPORTED BY SEVERAL NEWS COMPANIES. AND SUCH THE MILLIONS OF FINES BANK OF AMERICA INC. HAD TO PAY. 
THOUSANDS OF REAL REVIEWS FROM Bank of America CLIENTS IN WHICH THEY STATED THE FRAUD DETECTION SERVICE PROVIDED IS INADEQUATE AND DOWNRIGHT BAD.
Product: Mortgage

I received a notice ( physical mail ) from my mortgage company about upcoming changes to the transfer of the servicing of my mortgage. I had questions about the notice such as whether I need to make changes to the online account, payment process, etc. I decided to call the customer service number provided in the letter to ask for clarifications. This was the first time I try to call the company since the my mortgage was transferred to them XXXX years ago. To my surprise, this " customer service '' number is automated only. It does not allow you to talk to a human being. Apparently, I am not the only customer having this problem with this company by searching online. I was able to find additional numbers online. When I call these numbers, all of them lead to same automated system. One number is for " social media executive team! '' - there is no human being still. When I called my home insurance company ( XXXX ) to notify them of the upcoming changes, I was told that " Mr. Cooper is notorious for not having no one to talk to ''. 

So a massive financial institution with the size of Mr. Cooper ( XXXX employees ) does not have human beings to service their customers. What am I missing here? In my life I dealt with at least XXXX different mortgage companies. This is the first with no customer service. This is not acceptable and shouldn't be allowed. I assume that customers have the right to contact their mortgage companies and talk to a human being and questions. The phone numbers to the human beings should be included in a notice such as the one I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a dispute on three separate XXXX advertising charges. Discover credited me the disputed charges while they complete their investigation. During the course of their investigation, around a month later on XX/XX/XXXX, they sent an email that I should call regarding my account without any other context. I called that number and it was the automated line for customer service. 

On XXXX I received an email that the investigation was not found in my favor and the money was again charged to my account. Looking over the documentation provided from the investigation, I could see that the merchant information had " XXXX XXXX, CA '' and " XXXX XXXX '' in the address with an incorrect zip code. 

Obviously, there wasn't much done in their investigation and I just spent hours on the phone with them for them to only tell me that it will take another week. 

Discover operates, like most companies, on a " someone else 's problem '' type of support. As long as the customer swirls around enough through the crapshoot of support, they'll eventually get the problem solved. A lot of XXXX falls through the XXXX with this operating model, clearly.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 have 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 an 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Checking or savings account

This is more of a general complaint because it has happened numerous times with different institutions, but I'm writing because it just happened to my family again last week. I took our dog to the vet 's office and when they ran my debit card for payment they accidentally charged {$1100.00} instead of {$120.00}. They realized the mistake immediately after it happened and refunded {$1000.00} to my debit card. The issue I have is that money can be deducted from our checking accounts instantly but for money to go back in can take up to a full week. For that week, our account can be depleted or overdrawn, and nobody is technically liable for fees incurred except us as the user, not to mention not having that money available for other bills like groceries. The bank in this instance is Bank of America, but this has happened with other banks as well.
Product: Debt collection

I get calls daily, from collection agencies and they are not allowing my credit score to go up. I am affected in such a negative way that I am willing to file bankruptcy. This is not fair the attack I feel daily. I dont even want to pick up my phone.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX called my bank to that money I sent was to the wrong person and tried to contact Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft. Please delete the items as soon as possible. I have no knowledge of these Fraudulent accounts my information was impacted by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

In XXXX, I opened an account with Bank of the West, which eventually closed due to me being overdrafted. In XXXX, Bank of the West began reporting the closed account debt on my XXXX, however, when I called Bank of the West in XXXX to rectify the debt, I was told it was no longer owed. On XX/XX/XXXX, I went to a credit union and attempted open a bank account only to be told that Bank of the West ( which is now apart of BMO Bank as apart of an acquisition ) is now reporting that I owed them a debt and was denied opening an account at the credit union.

It took several attempts of research to locate a way to pay Bank of the West as they are now defunct. I went into a BMO Bank in person and inquired how to pay the debt for their partner company and I was instructed to pay the debt there at the BMO Bank, which I did. 

I have continued to try to reach BMO/Bank of the West to get a letter confirming the debt was satisfied and to remove the debt from XXXX and any other reporting agencies, but their company has difficult customer service and it has been impossible to get further assistance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX XXXX  for {$3000.00}.
Product: Credit reporting or other personal consumer reports

I have been back and forth with Transunion and XXXX on these inquiries I have not apply at these places and all the want to do is sell me a service I need the following removed from my report. 

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 Please I have been at this for sometime. And this can't be factual data if it's not facts I never applied at these places.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.
Product: Debt collection

They are calling every day always from a different number, never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/2013. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on trans union has been removed because of this divorce.
Product: Credit card or prepaid card

Good evening, Since Citi arbitrarily closed my accounts while acknowledging I'd done nothing to violate the terms of service, I've been subjected to a number of fees I should not have been assessed. Attempts to address this over the phone have been met with refractory and snide customer-service representatives telling me they can not reverse the fees, which is an outright lie. I would like the following reversed : -Citi Premier late fee XXXX {$25.00} -Citi Premier Interest on the same XXXX {$2.00} -AA membership fee XX/XX/13 {$99.00} ( why am I being assessed a fee when my account is closed? ) -AA {$15.00} late fee XX/XX/13 -AA {$1.00} interest on the same XX/XX/13 I'd also like to be paid out the {$19.00} negative balance on my DoubleCash card Total = {$160.00} Thank you, XXXX XXXX
Product: Student loan

Based on the FERPA laws, my account for student aid loans should be private. However, my information was leaked to someone claiming they are part of the government. Meaning my social security number, address, and other personal information is not in the hands of people I dont even know. This is unacceptable and I will not tolerate this misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, MS XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; 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

As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax XXXX XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Transunion - I noticed several inquiries on my Transunion credit report. I did not give these companies PERMISSIBLE PURPOSE to my credit report. I have attached my most recent credit report and highlighted the companies that I did not give permissible purpose to veiw my credit report. The name of these companies are : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian via written correspondence and phone. They are STILL reporting invalid addresses on my credit report that needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

On XX/XX/2023, I called Chase customer service to inquire about my Chase United credit card. I mentioned I wanted to close the account because I lost my job, had a decrease in my monthly income, and the increase in interest made it impossible to keep up. Id pay the balance down and it goes right back over the credit limit within 2 months as if I didnt pay anything. Im paying hundreds monthly now just to not get anywhere. The rep on the phone immediately denied me and said I cant close the card for reasons of high interest. He said he could help me if the reason was losing your source of income but to avoid high interest, I cant. I then inquired if I could establish a payment plan and I was also told I dont qualify to close my account and pay the balance in installments. Now, Im asking for help to close the card and cancel the debt because it was unfair to deny me, twice, when trying to catch up on the account and pay it off.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 They didnt do nothing they owe me XXXX of my own money. 

XX/XX/2023 They hung up in my face Im on XXXX XXXX & they locked my account containing my own funds. They stole my money and will not give it back XX/XX/XXXX Same thing hung up on me still about on the same fund my XXXX & & multiple times before this