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

Wednesday, XX/XX/2021 I opened a chase first banking account for my sister. I already had a college checking, secure checking, and savings account with them. 
Within a day, my account was restricted for reasons Im not sure of. I have not made any suspicious transactions. Deposits, using XXXX, receiving direct deposits from my jobs and everyday spending. I went up to the branch to resolve the issue and I was told that the accounts were going to closed including my accounts. I dont commit fraud, I dont even write checks, I use these accounts to help me through my everyday life and I am really frustrated with this XXXX Corp and Ive tried to be patient but Im done.
Product: Debt collection

The collection company is attempting to collect on a medical debt that is in error. I have attempted to resolve this dispute with the company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported that I had two late payments 30 days late. One one in XX/XX/XXXX, one in XX/XX/XXXX. These were not late and I feel they were reported incorrectly. I tried to contact them and discuss this. I wrote letters and I never received and return correspondence
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX Current Employer : XXXX XXXX & XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the XXXX system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section XXXX of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within XXXX days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I went to call my bank account information today at wells fargo XXXX/XXXX/2015 and they told me my account is closed. My local branch here in XXXX told me I had to open a new one now after a month of it being open it is now closed. I did n't receive anything in the mail I was kept in the dark. My original account was never closed like this until it was hacked into wells fargo told me, I do not appreciate being done like this and I need my social security money and now I will not be able to get it. I know the people who is behindthe wrongful closure of my complaint the XXXX manager XXXX and XXXX XXXX who falsely accused me of harassment. I will be suing wells fargo for the emotional distress they are causing me. Well why did n't they close my first account and now that I open a new one they close it out of the blue. There was no need for them to close my account after they told me to open a new one. I 'm glad I called about it before I purchased something or I would had been embarrassed. This is treating the consumer unfair and unjust. But I know what is really going on and who is behind this dirty deed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date filed XX/XX/2020 Status XXXX XXXX bankruptcy discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( SALLIE MAE, XXXX XXXX XXXX ) willfully violating the FCRA XXXX Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent Equifax the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies Experian, XXXX, and XXXX, regarding the following accounts, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.
Product: Credit card

I would like to file complaint about the Goldman Sachs Apple Card. 

Because I trust XXXX and was an XXXX  Customer most of my life, from XXXX, I thought their credit card may be helpful.

I understand Goldman Sachs was sued for these credit cards but I am still making a complaint- I even have XXXX in XXXX XXXX. 

It is now Sunday XXXXXXXX XXXX  and I made a payment to this card around XXXXXXXX XXXX  on Friday. It should not take XXXX hours for my payment from XXXX bank to be reflected. 
It takes over XXXX hours for my Debit from XXXX to pay to the Apple Card and for the money to be deducted from my account. 

Seems fraudulent or unnecessarily slow. 

I have other credit cards, understand the terms and APR % XXXX. 

With such great technology on computers and flip homes, XXXX hours+ is too long for a debit card payment to this Apple Card to be taken from my account. 

Summary : I submitted a {$70.00} payment to my Apple Card on Friday. 
Its Sunday afternoon and the {$70.00} has not been deducted from my debit card. 
This lengthy clearance time is making getting the Goldman Sachs and Apple Card seem like a bad decision. The card is also partnered with XXXX. 

I plan to pay my card off and then get rid of it. But I XXXX use the 4.2 % advertised savings, as an emergency fund. But with XXXX hours+ to clear my payment from debit card, I dont trust if I needed to take out, say {$10000.00} from a 4.2 % High Yield Savings Apple Account, for emergency, that it would be disbursed safely or properly within good time. 

XXXX Bank and XXXX I have great respect and good experience with for XXXX years. 

Thank you. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

This company has caused several problems will acquiring my loan through a sale of mortgage companies. My previous company was XXXX XXXX. The new company is Newrez LLC. Transfer of loan was in XX/XX/XXXX. This was not a refinance. Newrez llc says " this is an attempt to collect a debt, everything you say will be used in collecting a debt ''. My mortgage is not behind nor has it ever been behind and I always pay more towards principal. This is uncalled for Statement when I'm trying to do bisness with a mortgage company. I called Newrez on XX/XX/XXXX when I made my XX/XX/XXXX payment and saw that XXXX payment was showing over {$300.00} to high. I let them know that my escrow needs to be adjusted as I was being double taxed for XXXX. My house was a new build in XXXX and the county I live had to wait for appraisals and such so I was not taxed in XXXX on my mortgage but however was double taxed on my mortgage in XXXX. I called Newrez LLC to have on XX/XX/XXXX to do an escrow evaluation and they let me know they do have the tax rate and will submit for an escrow analysis. I just spoke with them today XX/XX/XXXX and the rep says they will not do an escrow evaluation because they are to busy and it's a new loan that they just acquired. That is not my problem. My loan needs to accurate and they are refusing to make it accurate. My mortgage is USDA loan and is income based for financing. Them doing this will throw off my finances significantly for the beginning of XXXX. I don't kindly with companies playing with my hard earned money.
Product: Credit card

i just returned home and i am trying to resolve credit issues. I used to have a XXXX  XXXX account that is now with lvnv funding. Lvnv has placed the account with a company called XXXX XXXX XXXX. I dont believe that they are operating in a fair way with me. I called in to settle and they said that they can only take 10 % of a balance they dont even own AND that they are collecting daily interest. The debt is with this " law firm '' but is in no way running the risk of going to court
Product: Debt collection

Today I checked my email ( XXXX ) and I received an email from American first finance telling me I owe them XXXXXXXX XXXX  I have no knowledge of this company or this account associated with the debt.
Product: Credit reporting or other personal consumer reports

REMOVE THE LISTED inquires as they are in Violation of " my consumer rights.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputed particularly in light of the CFPB lawsuit highlighting significant issues with the platform. I have used Zelle dozens of countless times despite that Zelle and my financial institutions have failed to investigate my claims. They informed me that recovering any lost funds was impossible and these transactions were unfeasible
Product: Bank account or service

I have banked with BMO Harris Bank for XXXX years. As a XXXX we get a lump of XXXX paychecks that are deposited in XXXX to cover our XXXX. I has addressed this with BMO and I was assured that I would not be charged the {$10.00} monthly fee for no direct deposit. They continued to ping my account, which caused it to go into the negative. I have recently married and due to merging accounts at my husbands bank I was keeping things at a bare minimum. I did however get student loan deposits into that account, so actually I did have direct deposits into the account. The banker at the XXXX XXXX, MO office assured me that it would all be taken care of, because between the XXXX months there was a total amount of overdraft fees and XXXX fees that totaled XXXX dollars. I was told they would fix it all and to not worry. Everyday that they were " working '' on it they pinged me with a XXXX fee. They total amount they took is now over XXXX and they closed my account. The lack of communication ( I was told I was busy,, do n't worry I 'll get to it tomorrow ) has now led to my account being upside down, when it should not have been and they have taken advantage of a situation that was their fault. I am a XXXX with XXXX sons who is in a XXXX at the beginning of the year. I expect my bank to be better organized and when I 'm told they will fix the problem they created I expect it to be fixed.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charge-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXXXXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Vehicle loan or lease

XXXX XXXX XXXX, still has a loan on my credit report that was paid off by my insurance carrier XXXX. Ally is showing that i still owe XXXX on the car and have hit my credit with late payments. I had gap insurance to cover any overage after XXXX paid off the car.
Product: Credit reporting or other personal consumer reports

My mother had made an account for me with care credit card showing up as SYNCB/CARE CREDIT on my XXXX credit report. I did NOT authorize this account to be made and when I learned she had done this I asked her to take me off of the account. She said she did remove me, and the company confirmed that I was removed off the account XX/XX/year>. I am unsure why it is still showing up and effecting my credit score because this card should only affect my mom since I am completely off the account, and it is under her name now. I don't have any access to this account, and I don't know the account number or credit card number. I need it to stop affecting my credit score please!
Product: Credit reporting or other personal consumer reports

Upon reviewing a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies The following account is not mine XXXXXXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

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

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Any information that the creditor is unable to validate should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Ive called and confirmed with each company that these accounts were up for deletion and they have still not been removed.
Product: Debt collection

XXXX XXXX Americredit XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX TX XXXX. In Regard to GM Financial Account XXXX. On XX/XX/2020 I received a letter from XXXX XXXX from Americredit. I, XXXX XXXX and XXXX XXXX are the consumers, creditors, and sellers of the GM Financial account. We did not enter a consumer credit transaction with XXXX XXXX with Americredit. In pursuant to 15 USC 1681b and 15 USC 6802. We did not give GM financial institution permission, consent, nor the clearance to disclose our personal information to a nonaffiliated third party. In pursuant to 15 USC 1692c. ( c ) I am demanding that XXXX XXXX and staff at Americredit cease all forms of communication with us through any and all mediums. In pursuant to 15 USC 1692d ( 2 ) stop harassing us. These abusive practices are a violation of 15 USC 1692c ( b ) .This is an infringement of our rights to privacy and it is causing us emotional distress. This letter included obscene language that was abusive and harassing to us. Enclosed is a copy of the cease and desist, the letter sent from XXXX XXXX and the certified mail receipt.
Product: Credit card or prepaid card

I applied to Amex personal and business with a solid credit score they advised me I was approved and when I got into deeper conversation about what I do to help XXXX rights she put me on hold and declined the applications on file.
Product: Checking or savings account

I have had a bad experience with Bank of America. I have banked with them since high school. From my previous experiences over the phone have not been customer focused! I understand that the reps are just following their procedures but Bank of America does not think about the customers first! Since opening my account over 10 plus years ago, its rare for me to ever call customer service. But the bad thing about that is that the only times I remember when Ive called is the bad experiences that I have had! All because they cant refund a XXXX $ fee in which its rare for that to happen to me. I remember calling about 4-5 years ago due to a returned deposit, I got transferred to a manager, he put me on hold for over 20 minutes after being on the phone for over 45 min and he hung up on me while I only spoke to him for over 30 seconds and didnt get a call back, then I had to call back and the rep actually helped me and resolved my issue in 5 minutes! This time I cant even just get a XXXX $ fee refund in which I was already in the transition of having all my bills and direct deposit switched to my other bank because of the bad experiences Ive had with Bank of America. The reason of the fee is because the bill didnt transfer over to my new bank yet! I have no problem in making the deposit. But as my bank for so many years is willing to lose a great customer who never complains, and funny thing in the past Ive sent great feedback regarding their online access to them, who is only requesting a XXXX $ fee refund so I can finally leave this bank.