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

On Thursday XX/XX/2022 I received an text message stating that a company located in Michigan was interest in hiring me for a " remote job ''. I quickly responded yes, and an online chat interview was scheduled for that morning. After a lengthy chat, I was told that they would send me funds for office supplies ( computer, desk, fax machine, etc. ). I received the checks totaling {$4700.00}. I used the Bank of The West app on my phone to deposit the checks. Only {$400.00} settled right away. I was told by the person I was chatting with to send the {$400.00} to a " vendor '' for company issued supplies. At the time, I only had around {$450.00} in my account. I had been in an automobile accident two weeks before, 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 jumped at the chance for a job that I could XXXX XXXX XXXX I had not heard about this scam. Since I was, and still am, inundated with phone calls and email from my insurance and attorney, I decided to open a second account and put the funds from those checks in there so I didn't have any bills pull from those funds until I could go to the bank and make sense of what was going on. I thought something wasn't right, that's why I didn't send anymore money to anyone with those funds. The following Monday ( could have been Tuesday ) I noticed that the funds were being pulled from my account. That's pretty much what I had expected. Then I find out that my account is being closed. I went to the bank and they told me that not only would they not refund my {$400.00}, they were closing my account and I am not able to bank with them anymore. So, now I have no car, no job, roughly {$50.00} out of the {$450.00} that I had left in my account, and no bank. Initially I was told that I wouldn't receive the {$50.00} either if the funds that were taken out from the check didn't cover it. Because I didn't ( and never intended to ) use any of the money from the checks, I got my {$50.00} back. I tried to appeal to Bank of The West to get my {$400.00} back, but they flatly refused. I really need that money to survive. My naivety cost me almost all of what I had in the bank. I complained to the bank on a customer survey, but I know that will just end up in the XXXX XXXX XXXX XXXX  ( garbage ). They gave me the option to have them call me, but I know they won't. They don't have the integrity to do so. DON'T BANK WITH BANK OF THE WEST!!!!!
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to file a formal complaint regarding an unauthorized account that has been reported on my credit file. This account, associated with XXXX XXXX XXXX, was opened without my knowledge or consent, and despite repeated attempts to rectify the issue, it remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am deeply concerned about the accuracy and integrity of my credit report. The unauthorized account in question has not only damaged my creditworthiness but has also caused significant distress and inconvenience. 

Despite my diligent efforts, the responses I have received from XXXX XXXXXXXX XXXX  have been limited to mere statements without providing any tangible evidence to support their claim of my authorization for the account. I have not been presented with any signed agreements or documents proving my consent for the opening of this account. Therefore, I am left without any evidence to justify the inclusion of this account on my credit report. 

I assert my rights under the FCRA to dispute inaccurate or unauthorized information on my credit report. I demand that XXXX conduct a thorough investigation into this matter and promptly remove the unauthorized XXXXXXXX XXXX XXXX  account from my credit report. 

Enclosed with this letter are copies of relevant documentation, including correspondence with XXXX XXXXXXXX XXXX  and any supporting evidence, to substantiate my claim. 

I expect a prompt and thorough response to this complaint, along with written confirmation once the unauthorized account has been removed from my credit report. Failure to address this complaint in a timely and satisfactory manner will leave me no choice but to escalate this matter to the appropriate regulatory authorities. 

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

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Payday loan, title loan, or personal loan

I do need to start this with during the pandemic and even before, when I have needed assistance, they have been awesome. Things have taken a few times to get right, or their system will randomly kick out arrangements or send emails for the wrong dates, but eventually it has worked out. 

Whenever I have called to make payment arrangements or any form of interaction with LendingClub, they have told me that I can always use my 15 day grace period if I need to submit a payment after the due date without penalty. 

As far as I know, I have never skipped a payment or been past due with them. 

My payments are due on the XXXX of each month, which would mean I have until the XXXX for my grace period. 

This month, I needed to use my grace period. In the last 7 business days they have called my personal phone 38 times as of XXXX ( XX/XX/XXXX ) this morning. They have, however, only sent me one payment reminder via email on XX/XX/XXXX. 

On my loan agreement under Late Fee. it states if any part of Borrower 's payment, other than payments owed for any fee ( s ) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount ... .. There is no exact language about the grace period, but all of the customer service reps tell customers about it when they call in. 

On LendingClub 's website under their help ( https : //help.lendingclub.com/hc/en-us/articles/214519627-Making-loan-payments ) it does state Late Fees if any, for payments received after the 15-day grace period. We give all borrowers a 15-day grace period to make payments with no penalty. 

That makes no mention about getting harassed every business day until you make the payment though.
Product: Mortgage

Bought a home last XXXX, HUD states payment will be {$2400.00} for the first 1-8 years w/ a lower payment there after. Received a notice that my mortgage would be increasing this Spring as well as sold to a new company. Initial loan company stated the increase was due to homestead exemption, however, after reviewing the paperwork I have found it to be the fact that they missed PMI inclusion in the mortgage overall payment. Given I never agreed to the increase and it was negligence on their part, I would like to launch an investigation for negligence on their part.
Product: Credit card

On XX/XX/XXXX, I was contacted by text from my credit card provider, CITI requesting authorization for a transaction in the amount of {$400.00} at XXXX 's home improvement. I immediately responded with no and I was asked to call and confirmed and next steps were to immediately close my account and issue new cards. I received a phone call the next day while I was in a work meeting requesting additional information. I returned the call later that day, but after waiting on hold for nearly XXXX hour i was told that the system was down. On XX/XX/XXXX, I noticed that the transaction dispute ended and no credit was issued. I called and was told someone from the fraud department contacted me on XX/XX/XXXX. I provided the same information again. I was told that the transaction was pushed through by the merchant despite my notification. I was told that the transaction would be placed back in dispute status and I would receive a message regarding the outcome. I logged on today, XXXX to learn that the dispute had been cleared again with no credit. I called again and was told that the transaction had already been approved at the time that they contacted me and steps taken to reduce the risk of fraud did not mean I was entitled to the transaction credit. I have no doubt that CITI we'll continue to invent excuses and explanations as to why my transaction should not be credited in the current dispute.
Product: Checking or savings account

On XX/XX/2021, I was informed that Chase would be closing my secured checking account and my daughters first banking account. I brought it to the attention of the VP at the XXXX location in XXXX XXXX, California and we contacted the back office together where he was informed to email escalation. On XX/XX/2021, XXXX who assisted me in opening the account contacted me and informed me that on the XXXX my account was restricted and provided a number and I was transferred to compliance where the reasoning for closure was not given and will not be given. I have been a victim of identity theft and a survivor of XXXX XXXX and I supplied the escalation department proof of all this and the VP vouched for my account not being closed considering I have IRA and auto loan underwriting by Chase.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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 or other personal consumer reports

I have been reaching out to BMO Harris bank since XXXX of XXXX  concerning this fraudulent auto loan that was placed on my credit I have provided police and FTC reports throughout this process and have been ignored and all my rights been violated under federal laws 15usc1681 ( b ) and 15usc1681 ( c ) 2. Throughout this entire loan process. Also I have reached out to BMO Harris Bank about this same loan being applied on my credit as a charge off with the result of a profit of loss but when I asked why wasnt a 1099C form was issued since this account allegedly belongs to me but was charged off on my credit which is another violation of my rights under federal laws FCKA Section 623.. 15usc1681s-2 stating responsibilities of furnishers of information. Also if this was a charge off due to profit of loss then it should not show any balance which it does and thats fraudulent and illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint to my previous complaint dated XX/XX/XXXX. 
This complaint will also serve as a notification to investigate the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX A XXXX 2. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Private, Special, Good Faith, Trade Secret Correspondence. 

Writ of Quo Warranto and Affidavit of Invocation : Invoking Usufructuary Rights and Executor Authority Mandate for Enforcement of Private Judicial Notice and Legislation Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Divine Adjudication Acknowledgment : " Let XXXX be our Judge as He has set the Watchers to watch over Man '' To : XXXX XXXX Equifax XXXX XXXX XXXX ( inclusive of successors ) XXXX XXXX XXXX, XXXX. 
XXXX, Georgia To : Equifax XXXX XXXX XXXX, XXXX. 
XXXX, Georgia From : XXXX, Executor Office of Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, This writ, affidavit and notice serves as an unequivocal invocation of the rights vested in my role as Executor of the Precedent Vested Landed Estate of XXXX XXXX XXXX XXXX XXXX As the Certificated Security Holder of the principal debtor/Franchise/XXXX XXXX Trust XXXX XXXX XXXX, I am actively invoking my right to manage all affairs pertaining to the principal debtor and to enforce compliance by your agency with the established principles of the Law Merchant, the mandates of the Administrative Procedure Act, and the obligations set forth in the XXXX XXXX XXXX, which govern your conduct and reporting practices. 

By issuing this XXXX XXXX XXXX of XXXX XXXX, I invoke the creation of a constructive trust, thereby imposing upon you fiduciary duties due to the unauthorized use of the certain estate 's credit information, which constitutes responsibilities akin to those of a usufructuary. 

This notice challenges any ultra vires actions undertaken by your agency, and as per your obligations under the XXXX, demands the correction of inaccuracies that have arisen from your reporting. You are required to demonstrate proof of the legislative or authoritative basis that permits your enforcement of certain credit instruments, as requested, pertaining to the estate. Absent such verification, I invoke my right to demand the cessation of any reporting activities that infringe upon the estate 's rights, as will be detailed in the comprehensive factual document that follows. 

See attachment for full Writ.
Product: Student loan

Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I received notification from Experian of an email address change for my account with them. I did not initiate this change. My account was taken over. In an attempt to reset my credentials online, I discovered all the hacker needed was access to my email address, DOB and SSN. These XXXX pieces of confidential information have obviously been compromised. There is no obvious evidence of anyone unauthorized accessing my email ( although I acknowledge they are very capable of covering their tracks XXXX. On the Experian site, I also observed a partially masked email address of XXXX ( not my email address ) confirming their assertion changes had been made to my profile. Although I replied to the message I received from Experian, and sent an additional notification to the email address provided in their automated message, Experian does not have a phone number to speak to a human about this matter. Instead, I am left to contact each creditor and find apply all protections available to me with no assistance from Experian. They made this problem possible. I'm left to clean it up.
Product: Credit reporting

Experian fails to delete false information inserted to my credit report. Experian 's failure to properly investigate this matter has caused denial of credit due to their negligence. 
XXXX has attached a MIXED FILE to my credit report, yet refuse to correct and delete this knowingly false and damaging information. XXXX avoids their legal requirements by stating I am to send them a police report. This is NOT identity theft, this is ( Mixing files ) in which they fail to correct when required by law, and they willfully neglect to correct and continue to cause damage. They give two names which neither belongs to me. XXXX has failed to respond to my complaint. XXXX has failed to respond to CFPB complaints. XXXX uses XXXX to attempt to collect on false debt yet does not have ownership required by law. Multiple violations by XXXX and Experian.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am the court appointed Power of Attorney and XXXXonservator/Guardian for my XXXX and her assets. On or about XX/XX/year>, I opened a high-yield savings account on my XXXX  's behalf. Approximately 2 weeks later, I deposited XXXX into a Marcus Goldman Sachs high-yield savings account. Approximately one month later, I was notified her account was temporarily locked until they receive the supporting documentation and approve this information. Documentation was sent by me and later was informed they never received the documentation. Therefore, I mailed another original copy of the Conservatorship. After doing so, XXXX never contacted me. Due to their negligence in contacting me, I had to contact them threXXXX months later in the month of XXXX. I was told it would require 3 weeks to approve ( eventhough they already had this information for over XXXXwo months ). I was never contacted ( 2nd time they failed to contact me ). I contacted XXXX and was told the documentation had been received. The customer service rep would not give me any information about the account nor any information as to the status of the review. I have subsequently called multiple times and also submitted a Power of Attorney sent certified mail and recieved confirmation of its receipt. They also claim they did not receive the Power of Attorney. The account continues to remain locked. This hardship created for my mother and myself has now been going on for a year without any resolution. Most recently my husband 's account with XXXX Goldman Sachs ( I am listed as a beneficiary on his account ) has been locked so now he can not access his account because my name appears as his beneficiary. I have been treated unjustly and to feel as if I am a criminal. If this situation is not corrected immediately, we will seek any and all legal means to resolve this case.
Product: Credit reporting or other personal consumer reports

Sharing my private personal information It's a PRIVACY ISSUE that's a GRAMM LEECH BILLEY ACT violation failing to provide me with a clear initial privacy notice by mail I never opt in to receive notices by email I request the original written notice proof of I received a initial notice and annual notice that I signed that I opt in giving you the right to share my NON-PUBLIC INFORMATION, I have the right to privacy it's a PRIVACY ISSUE I never received any of the documents I requested in a timely manner.
Product: Credit reporting or other personal consumer reports

THIRD PARTY- XXXX XXXX TRANSUNION XXXX XXXX XXXX ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : ACCT # XXXX I've uploaded documents showing evidence I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/2020 in the amount of {$900.00}, XXXX XXXX XXXX XXXX opened XXXX in the amount of {$300.00}, XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX In the amount of {$18000.00}. 

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

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.