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

Per my recollection, I deposited XXXX bags of currency and checks from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX into the night depository of M & T Bank, XXXX XXXX, XXXX, PA XXXX on Sunday afternoon, XXXX XXXX, at approximately XXXX XXXX. The bank admits to receiving only the first bag. The second bag contained checks in the amount of {$6200.00} and cash totaling {$1000.00}. I have been making these deposits for over XXXX  years. According to the bank, the security video showed that I only made XXXX deposit, not XXXX. The bank is unwilling to allow myself or any other church representative to view the video, per bank policy, we were told. We were offered to see a stiIl shot which could only have been intended to identify my car, as I was completely indistinguishable. The photo was terribly dark and grainy. In discussions with the branch manager, he informed me that the total time from when I opened my car door to when I closed it was XXXX seconds. I questioned this, asking if that wasn't a long time to deposit XXXX bag, but he assured me it wasn't. This past Sunday, I made another deposit of XXXX bag into the night depository. A fellow depositor followed me and timed that transaction, taking XXXX seconds. This transaction included my opening the drawer a second time, to ensure the bag dropped, a normal procedure, which the bank said I did not do on XX/XX/XXXX. 

Fearing the second deposit could somehow have become stuck in the chute, we asked the bank to open the night depository to verify that it wasn't. That has happened before. We also asked to view the video, in an attempt to reconcile the difference in time of approximately XXXX seconds for the transaction. Both requests were refused.
Product: Mortgage

This is regarding CFPB complaint # XXXX. 
Attached are the proofs. 

On XX/XX/22, I wired {$66000.00} from XXXX Bank to pay off the mortgage balance which was verified by several NewRez representatives. More NewRez  representatives repeatedly assured me not to worry about the per-diem because XXXX XXXX XXXX not post my payment for days after I already paid off {$66000.00} that I owed. On XX/XX/22, XXXX XXXX returned my wire without any explanation. After endless inquiries, I submitted XXXX Bank statement and letter from XXXX that NewRez  asked for only to be scammed bXXXX NewRezXXXX 

XXXX NewRez 's XX/XX/22 reply : " After our investigation on the returned wire, We did receive a wire in the amount of {$66000.00}, but the wire details lacked identifying information. The wire was rejected due to being unable to locate an account with the information provided. You will need to resubmit the funds, and to be sure to include your loan ID ( XXXX ). '' On XX/XX/22, NewRez replied with a different excuse, " The payoff funds were not received until XX/XX/22. The payoff was completed when the funds were received. '' Again, what I owed was {$66000.00} that I already paid off on XX/XX/22. 

Attached documents show that XXXX followed NewRez 's instructions correctly on XX/XX/22. While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per NewRez.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to Experian XX/XX/year> here is my tracking number # XXXX XXXX XXXX XXXX XXXX XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.
Product: Checking or savings account

XXXX  automatic withdrawal requested in writing to be stopped after balance paid in full. Bank continued to withdraw the amount XXXX  months in a row and even reopened the checking account after I had closed it. Each time it took several days for the funds to be returned to me rather than immediately assuming responsibility & letting their own accounts go without funds. They caused the account to overdraw & charged me XXXX overdraft fees. They did correct this error. I made XXXX different trips to the bank & they still did not do as I asked. Branch Mgr XXXX XXXX completely incompetent, had to call multiple people & still took XXXX  months to stop the withdrawal. I asked for feedback from Risk Management Director XXXX XXXX. XXXX told me that she had turned my request to her supervisor XXXX XXXX and a letter detailing the events was being sent on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have received no feedback from anyone at First Horizon Bank.
Product: Checking or savings account

on XX/XX/22 I received a Bank of America email stating an online application was in progress. I received a second email stating the new account was open. I received a third email stating i was enrolled in online and mobile banking. 

I never opened a bank of america account. 

Bank of America stated they froze the account and that i needed to contact State of CA employment development department and the federal trade commission.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> I've sent my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX, XXXX, MO, XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open Late XXXX Days XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charge-off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$4.00} Charge-off XXXX XXXX  XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$300.00} Charge-off XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00} Collection XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : $ XXXXLate/Open
Product: Debt collection

CreditFresh XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, USA Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt. 
2. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within 30 days of receiving this notice. 

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

Please see attached copy of my I.D., the default judgment that I submitted to the court, and the Default Judgement being granted in my favor for your reference to support my position and substantiate my dispute.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in XXXX  years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX  for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly XXXX  years. Which contributed to my current credit issues.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Unfortunately, I was scammed. I was purchasing a bag from a seller on XXXX. The seller asked me to text them if I was serious about purchasing. I was. We texted back and forth and so I ended up paying for the bag through XXXX and then paying part of it through Chase XXXX. Reason for two payments was because seller said XXXX takes too much of their earnings so I said I could split two payments to show I was an honest buyer. Turns out it was a scammer. I never received the bag. Yes, I have contacted XXXX. I will be able to recover the funds I paid through XXXX  but I would like to recover my funds from XXXX. I contacted the Chase Fraud department. They said they would look into the situation and get back to me by sending me a message through my account. This was on XX/XX/XXXX. I did not hear or receive anything so I called them today, XX/XX/XXXX. They told me there was nothing they could do.
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. 
Collection Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX All my other collections was paid off but it still showing negative impact on my report which has violated my rights. 
15 U.S.C. 1681 Sectiun 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno! 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 and crimes which antedates the report hv 7 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
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This bank is XXXX their branches threatens me treated me horible refuses to Open me an account gave me a letter blaming XXXX XXXX when its not I owe no money to this bank Or other banks I used to bank with them and was a good customer but for some reason they hate me their executive office lady lied to me and said that by Friday of this week she would have a response I sent her everything she asked me for and she XXXX  she doesnt even know what is causing this and refuses to help me their branches are awful towards me and tell me To go bank somewhere else and are extra XXXX XXXX and arrogant I faxed her my XXXX report showing I dont owe anyone money and even XXXX said its the bank that is refusing to open you an account not us your report is clean they have a problem with me and refuse to fix this and open me an account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a CFPB complaint against Equifax due to some inaccurate inquires they are displaying on my credit report. In the response from the company they stated that they did an internal review and mailed me out a letter. They never did any review and never sent me out anything. Furthermore I have been contacting them for months asking them where they are getting this information from and how are they investigating this issue and received nothing. I want to know how are they verifying this issue because I reached out to each creditor and they could not provide me with a signed application to see if the inquires are truly mine so this proves that Equifax is providing false information onto peoples credit report. They told me to reach out to Equifax to have them delete this error and anytime i do nothing happens. Not only this, but they are not responding to my letters. I would like this inquires to be deleted off my credit file immediately. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Vehicle loan or lease

In XX/XX/2018 we bought a vehicle and used Ally as our loan company. In XXXX I made a call regarding overdraft charges from my bank due to the fact that one of Allys representatives informed me they would cancel auto-draft and they in fact never did. This resulted in {$70.00} of overdraft charges. It has been way over a month now of me calling multiple times and explaining the same story time and time again and being met with employees blaming me for the charges, blaming my bank, or telling me that it will be resolved in X time frame and nothing ever happening. I am sick of hearing different things every time I call and my issue never being resolved. I would never advise anyone to use this company and I wish I had never gotten involved with them in the first place.
Product: Debt collection

Received email from company whom I already filed a complaint against over a year ago. Have threatened legal action. Per notes a year ago they stated in response to complaint already submitted that they did not placate any such loan in my name but are now again threatening legal action against me. Refuse to give me proof of any kind just threats.
Product: Mortgage

Mortgage company Mr. Cooper has had my loan ready to close since XX/XX/2020 as of today XX/XX/XXXX they have come up with one excuse or another as to why it did not close if you consider the {$240.00} I was going to say per month this is already cost me over {$1000.00} they are very inapt company the loan officer XXXX XXXX does not respond to my emails Their customer service is horrible on his and his managers behalf totally unprofessional