23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

These facts, documents, and information are submitted to refute th e American Express allegation th at I agreed to pay  XXXX   XXXX  {$40.00}.     Attached a re two  emails from  XXXX   XXXX   XXXX  that were sent to me after I ordered a tactical flashlight for {$9.00}.  One  email is an invoice and the other from a  XXXX   XXXX  advising who will do billing for the light. Please note that not  one o f these emails permits the usage of my credit card for  XXXX   XXXX   XXXX , edited by  XXXX   XXXX .     Now, whether  XXXX   XXXX   XXXX  or  XXXX   XXXX  bills as   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   or  XXXX   XXXX   XXXX , or  XXXX   XXXX ,  XXXX , it is merely an alias website for the same entity : possibly  XXXX   XXXX . In addition, this would include the  XXXX   XXXX   XXXX   XXXX  reports mentioned in the  XXXX   XXXX ,   XXXX   email, which is also included. It is possible that someone could have obtained access to the database for the flashlight, and then charged the {$40.00} to my account, following up with the bogus email.     Now, there is very little inference in the information, which I provided. It appears that the {$40.00} charge on  XXXX   XXXX ,   XXXX   stems from the purchase of the tactical flashlight, which I did purchase.     Please review the email dated  XXXX   XXXX ,   XXXX  . Said email refers to the purchase of the flashlight. Also, note that the invoice and email from  XXXX   XXXX  also references the flashlight. However, neither of these two emails contain any reference to a {$40.00} purchase of information from  XXXX   XXXX ,  XXXX   XXXX , which appears to be a sort of holding company.     It is not until  XXXX   XXXX ,   XXXX   that a  XXXX   XXXX  makes a false allegation that I purchased regular reoccurring issues of  XXXX   XXXX   XXXX   XXXX .     Now let me make this perfectly clear. I purchased a flashlight on  XXXX   XXXX ,   XXXX  . Moreover, I never purchased a  XXXX  &  XXXX   XXXX .
Product: Checking or savings account

My husband and I opened a safety deposit box at Chase Bank branch at XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX in XXXX of XXXX. We signed the papers and received the keys to the box. We then placed our items in the box. 

XX/XX/XXXX - I attempted to access my box with my keys, my ID and a copy of the lease given to me by Chase. I was told no such account exists. The bank employees then told me they will request a signature card to validate my account and give me access. I sent multiple emails between XXXX  XXXX XXXX and received no response from the bank. 

XXXX XXXX - I received a phone call from the bank junior manager XXXX who said she will have the signature cards by Monday ( XX/XX/XXXX ) and give me a call to give me an update. I heard nothing between XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX - I went back to the bank to get an update and met with XXXX XXXX the branch manager who told me and my husband that they have the signature cards and will validate by the end of the day if they find our account. Later this day they called and said they have found the physical card with proof that we had an account and will now figure out how to get us access. 

XX/XX/XXXX - My husband received a call from the bank manager XXXX XXXX who told him that they do not have the account and have no idea where the items are and the only way to move forward is to give them a list of items to try to find out where they went. 
I went to the bank in person at XXXX XXXX, with my keys and ID again I asked to access to my box # since they had validated that we had this box. The bank refused and I called XXXX for help to report theft. At this point the bank manager brought out the signature card showing both my and my husbands signature and matching the account number on the keys that I still have to prove that we did in fact open and have a safety deposit box at the bank. The bank had made a huge mistake back in XXXX and never put our account into the system. At some point between XXXX and XXXX their team went and drilled my box- WITHOUT my permission or any notice to me and removed my items. I have now been told to give them a detailed list of my items and I'm waiting to hear back anything for where they have taken my items. 

At this stage, the bank made a huge mistake and didn't register our account even though we have the keys and the signature card showing both mine an dmy husbands signature and unlawfully opened my box and removed my valuable and sentimental items and is now not giving me an update on where my items are. 

I have the keys to the box, I have the lease agreement for the box given by Chase and the bank has a signature card showing my husband and I opened the box with the same account number ( also on the police bodycam recording ). 

I am looking for help to hold the bank accountable for unlawfully drilling my box and removing my items and now not finding and returning the items as quickly as possible.
Product: Mortgage

I have reached out to Shellpoint mortgage service, and now Newrez, XXXX times to resolve a simple mistake the mortgage company made when creating my loan. The loan added a parcel that was not to be in the loan. Multiple agents at Shellpoint confirmed it was an error and even told me they would resolve it. After several months and endless attempts with multiple people and divisions, no one ever did anything to actually resolve this matter. I have to now pay off the loan, pay pre payment penalties, and get a higher interest rate of about 3 % just so I can release the lien on my property that this loan was not suppose to be on. I have every bit of evidence and hired a firm to write the letter so all they had to do was sign the release. Unfortunately they never did and left me in a major financial hardship and endless stress and time wasted that I will never get back. This is the worse and most unprofessional experience Ive had to date with a company in my XXXX years on this earth.
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, TRANS UNION and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. 
XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my XXXX Credit Report which I did not authorize by XXXX ( Comenity XXXX XXXX XXXX ) on XXXX XXXX, XXXX XXXX a little over two years ago ). I disputed it at the time with XXXX letting them know I did not authorize this but they failed to remove it. One week before it was to naturally fall off my credit report at the mandatory two year mark, the same company XXXX XXXX pulled another hard inquiry without my permission on XXXX XXXX, XXXX. I called XXXX to investigate and they told me to write a letter to them and ask for it to be removed because it was not authorized and gave me the address to mail the request to. I wrote a letter to both XXXX Credit and also to XXXX saying this was unauthorized and it could be fraud by someone trying to take out credit in my name and asked for an investigation into the matter and mailed both letters on the same day. A letter came back to me from XXXX Credit on XXXX XXXX, XXXX which said " We are unable to remove this inquiry. If you feel this is a fraudulent inquiry you will need to contact XXXX  and initiate a dispute with them. '' I KNOW it is fraudulent activity because I put in writing that it was n't done by me, I already told them it was fraud. So this is either fraud by XXXX Credit or a scam artist pretending to be me. Since I also asked for an investigation as a dispute with XXXX and yet XXXX put in their letter that they had n't heard from XXXX regarding a dispute, this means XXXX, did not contact XXXX Credit to see if this was a legit inquiry. XXXX ignored my dispute and did not open an investigation into this matter and the unauthorized dispute remains. I Googled this problem tonight ( Unauthorized hard inquiries by XXXX on XXXX  and found countless hundreds of other people who have the very same complaint about an unauthorized hard inquiry on their report. This is obviously something they are doing illegally and it needs to be stopped. I took all of my money out of my XXXX account and will never log into their site again, they ca n't be trusted. I suspect it is them pulling the unauthorized inquiries since it happened two years ago the same way vs it being a scam artist, but with the recent XXXX breach of privacy it is something which is particularly concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019, ( this year ) I wanted to work on my credit or at least find out why I had no credit. I applied for the Annual Free Credit Report from Equifax. After answering all their questions, they displayed a notice on the screen saying I could not receive my credit report. I then called the number and talking with multiple people, verified whom I was, once again said I would have to mail my Social Security Card and Driver 's License to them to verify physically I am myself. But, after reading about their neglect and abuse and MANY BREACHES of information, I Honestly do not TRUST THEM ANYMORE with ANY OF MY INFORMATION ON FILE. And how do I know Equifax will NOT LOSE THIS INFORMATION AS WELL. I HONESTLY WISH I COULD JUST WALK IN A PHYSICAL BUILDING, present my ID, Fingerprints, and ANY OTHER FORM OF IDENTIFICATION that they may need or already have on file, but to just blindly keep giving Equifax ALL OF MY INFORMATION, POSSIBLY TO KEEP LOSING, YET, I STILL HAVE NO CREDIT REPORT MAKES NO SENSE. TONIGHT I TRIED AGAIN TO SEE MY CREDIT REPORT, AND ONCE AGAIN, DENIED. 
I have luckily been able to see my XXXX XXXX through XXXX through XXXX   XXXX, and Honestly if they had Not helped me at least with that, I would have given up on trying to fix my credit or even apply for any. 
Personally, I think Equifax is a DISGRACE to our economy.

Many hard working people are trying to fix their credit, yet the one job Equifax has ( well 2 ) # 1 KEEP OUR INFORMATION SAFE and # 2 MAKE THAT INFORMATION AVAILABLE TO THE CONSUMER UNDER FEDERAL LAW.

YET, # 1 My information was NOT KEPT SAFE and # 2 My INFORMATION may or may NOT have been given to a criminal to buy a house, a car, open credit cards and various other criminal acts, but Equifax refuses to help me to solve this issue. Instead, they want me to buy their consumer protection monitoring kit but, still will Not tell me if someone has bought a house, car, ect. IN MY NAME!!!

I Called the police about this, and they said I needed a credit report from Equifax to verify this, to press charges, but here we are again, with Equifax giving me the run around about my credit report.

I have NOT BOUGHT A HOUSE OR CAR LIKE THE QUESTIONS EQUIFAX KEEPS ASKING ME AND THEN TELLING ME, I GOT THE QUESTIONS WRONG, SO I CAN NOT GET MY REPORT. What do i do?? And if EQUIFAX JUST MADE UP THOSE QUESTIONS TO TRY TO TRICK ME INTO THINKING MY INFORMATION WAS HACKED, JUST TO SELL ME A MONITORING PACKAGE, AND IT LEAD TO ME FILING A FALSE POLICE REPORT, WORRIED ME FOR MONTHS, THEN HOW IS THIS LEGAL???
Product: Debt collection

I found unauthorized accounts on my credit report. I ask that these incorrect entries be blocked and removed without delay.
Product: Credit card or prepaid card

SUNTRUST reported on my credit report. I realized that this account is not mine. I tried contacting XXXX   and SUNTRUST with no successful resolution. There was definitely an error on their part. I have never applied for this account.
Product: Checking or savings account

My name is XXXX XXXX XXXX ( # XXXX ) ( citibank # XXXX ) and once again money is missing from my available balance and it varies per day. 

Las night at closing of day my available balance was : {$510.00} At morning the available balance became {$410.00}. 

The difference is of : {$9.00} ( XXXX ) or XXXX This is evident that is an emergency or that it needs revision or correction or just theft. 

The 'pending charges ' are registering into the account : 1 ) after the available balance has been determined at end of day is being deducted again, generating a different available balance after the end of day, when no payment or charges have been generated or pending to the account ; 2 ) During the day I am given differing available balances to the account ; 3 ) Some purchases are added to the available balance and others are added at varying times throughout the day changing the available balances ; The charges do not come out immediately front the available balance ; Obviously there are miscalculations and there should only be ONE available balance after purchases without any incident, especially if there were not any purchases ; The available balance should not change because you posted the payments.

The payments should be removed from the available balance as they are charge to the account.

Therefore this is miscalculation or theft.

I am currently missing {$100.00} from the account. 

The available balance should have been {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company made attempts to speak to my supervisor AND asked for the physical location of my office. Neither of which are reasonable requests in an attempt to collect a debt. These are attempts to embarrass and harrass an individual and should not be legally allowed.
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> i filled disputes with my Bank " BMO '' against three businesses for Unothorized Withdrawals from my Debit Card XXXX XXXX XXXX XXXX XXXX, which is Connected to my Checking Account XXXX  XXXX. The Total amount of my Claims was {$740.00}, but the Credit i received was only {$270.00}, so the balance is {$470.00}. After these two dates i called many times asking " BMO 's '' employees and managers, Why i haven't received the full amount of my Claims and Detailed letter explaining to me the reasons of their Refusal. The only letters i received was telling me, that " BMO '' started the Investigation of my Claims. Every time i called " BMO '' XXXX XXXX XXXX XXXX employees and managers Proved to be Inept, Hostile and Racists, plus Purposely they put me on Hold for Long time and every time the Process was more than an Hour, which is Very Unusual for processing simple claims. This is by far the WORST customer service that i had from a Bank. Maybe " BMO '' isn't a real Bank!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

I originally took out a personal Loan with Upstart, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. Upstart was one of these lenders that was defaulted in the process. 

Upstart notified me that they sold the debt to " XXXX XXXX XXXX '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact XXXX  by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. XXXX XXXX never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
Product: Checking or savings account

I have a bank account with TD Bank ( checking and savings ). TD Bank restricted my account with no information provided to me other than to walk into a branch to resolve this. I walked into the Td Branch on XXXX XXXX in XXXXXXXX XXXX on XX/XX/year> around XXXX to resolve this and again was given no answer other than the account is restricted. I need access to my funds and I would like to retrieve my money now to pay my rent. I called TD bank fraud department after visiting the branch and again they had no information to provide me. 

XXXX XXXX
Product: Vehicle loan or lease

Our car loan was originally with XXXX XXXX. XXXX XXXX sold the account to Mid Atlantic Finance Company. Since the transfer, we have had the following discrepancies : 1. Balance due from transfer is in question.

2. We have requested a statement or some document showing how they are calculating interest to determine amount owe, including any past due amounts and have been denied.

3. We get 3-4 collections call per day from someone named XXXX.
Product: Student loan

I am a part of the XXXXXXXX XXXX XXXXXXXX lawsuit settlement. My loans were finally discharged & they were removed from my credit report, but I have not received an accurate accounting of the refund I am due under the settlement. The amount I was given was around $ XXXX, but according to my paperwork and receipts, should be closer to $ XXXX. 

I have called multiple times trying to get an answer. Mohela says it is FSAs job, FSA says call the servicers- Mohela XXXX XXXX XXXX who Ive never worked with ) & Aidvantage. Then they all send me back to FSA. This is getting no where.
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through account with 1 missed payment. I am kindly requesting US BANK ( Date opened XX/XX/2020 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT SOCIAL SECURITY NUMBER LISTED ON MY EQUIFAX REPORT
Product: Credit card or prepaid card

On XX/XX/XXXX I received the BOA bank credit card monthly statement and we found there were illegal activities in our Bank of America XXXX XXXX XXXX account. 
We reported it to Bank of America. We were on the phone with BOA bank representative. We went through line by line sorted out those fraudulent charges. We paid all those legal charges which made by me and we closed the account and filed a dispute XXXX XX/XX/XXXX. Bank of America denied our dispute twice and file a law suit against me. Court date is XX/XX/XXXX in XXXX Texas. 
All those illegal charges were on line video games charges. Both me and my husband are old person. We are having hard time to handle modern technology. We both had difficult time even to write an email. We were not capable or have any interest of playing video games on line. 
I had a XXXX  XXXX on XX/XX/XXXX. I still not recovered completely. It was a struggled to go back to work. I am a XXXX XXXX XXXX XXXX XXXX  for last 15 years. After the XXXX, I only allowed to work 2 days a week. XXXX hours per day. XXXX dollars per hour. Earn {$440.00} per month. My husband XXXX XXXX XXXX, living on a small Social Security retirement payment and a limited saving. There was no way we could afford to spend thousands of dollars to play video game, not mention to authorize somebody else to spend thousands of dollars to play for us. 
We had interrogated our son XXXX XXXX who he was XXXX years old then. Asked him if he ever used my credit card to play the on-line games, he denied it. But He admitted he did it recently. He said he thought it was free to add power for the game. 
I had not authorized anyone to use my credit card but my husband. I think I do not responsible for those unauthorized on-line gaming charges by my teenage son. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Debt collection company is trying to collect a debt not owed because I already moved out and the landlord never returned security deposit of XXXX and I never owed any rent. Lease expired XX/XX/XXXX. NCSPlus are committing fraud along with XXXX XXXX XXXX XXXX XXXX They actually owe me money and never gave me my security deposit.