23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion just charged me {$29.00} ( on XX/XX/2020 ) to see all three of my credit reports at once. I can't believe a scam like that is allowed. It is against federal law ( the Fair Credit Reporting Act ) to charge for a once yearly credit report from all three reporting agencies. TransUnion should not be allowed to charge for access to see XXXX  or XXXX  credit reports. A once yearly credit report is FREE. You should NEVER have to pay for one.
Product: Bank account or service

My amount was overdraft .XXXX cents. They charged me {$35.00}! It was in the overdraft state for a day!
Product: Credit reporting 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 items 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 items. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$910.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit reporting agencies XXXX XXXX, XXXX and Equifax are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite Metro 2 compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX  XX/XX/2018 *XXXX XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XX/XX/2019, I began receiving a large amount of calls from numbers I did not recognize or that my phone classified as spam. On XX/XX/2019, my older sister forwarded a voicemail she received stating that an unidentified organization was trying to reach me regarding a complaint that had been forwarded to their office. They advised me to call the " law firm '' handling the complaint ( XXXX ) and reference a file number ( XXXX ). I called the number of the purported law firm and asked for identification and more information regarding this complaint. The person I spoke to cut me off and asked for my file number and put me on hold as soon as I provided it. She then came back on the line and started explaining to me that the call had come from a process server who was trying to make sure I would be home so I could be served with a complaint. I am a XXXX XXXXl and have extensive experience in initiating lawsuits and I know that process servers do not generally call defendants to effect service. I had also looked myself up in my state 's court filing system and there are no civil cases that have been filed against me. I advised the woman I was speaking with that I can not be served unless a summons and complaint have been filed and she admitted that nothing had been filed yet. I then asked who was allegedly suing me and she became very rude and said " You had an overdrawn Wells Fargo account -- do you remember that? '' I replied that I did remember overdrawing a Wells Fargo checking account over ten years ago and that any claims were therefore outside the statute of limitations. She became argumentative and refused to give me any further information regarding the claim. She eventually yelled at me to " look up bad check law, '' told me I was going to be served, and hung up on me. 

I called the XXXX number back and asked for the name of the company and whether they were a law firm. The person who answered this time advised that they are not a law firm and their organization name is XXXX XXXX. This person looked up my file number and advised that there was a notation that everything had been " dismissed. '' He apologized for the person I had spoken to previously and was much easier to deal with. He confirmed that nothing had been filed against me and that they were probably calling to confirm an adress to send out a notice via certified mail. I again confirmed that they were not a law firm and that I would like notice of whatever claims they have sent to me in writing. I thanked him and told him I will look for correspondence from them in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been customers with XXXX XXXX for 4.5 years - XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XXXX. 

If you review my file history you will see I did in fact make payments on time for XXXX, XXXX and XXXX. The payment had gone up XXXX dollars in XXXX without my prior knowledge. XXXX XXXX took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XXXX and XXXX. 

On XX/XX/XXXX I received the first notification from XXXXXXXX XXXX stating my account was past due, confused and unaware of why it would be past due I contacted XXXX immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XXXX {$30.00} XXXX {$30.00} XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with XXXX. NOT including XXXX, which XXXX accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XXXX payment was going to be placed in a separate account. Same as my XXXX payment. When looking at my bank account the funds had been accepted just like XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points based on this {$90.00} XXXX XXXX  did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted XXXX XXXX on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on my credit score.
Product: Debt collection

Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.
Product: Checking or savings account

Subject : Complaint Regarding Unauthorized Joint Account Opened at Truist Bank I am writing to formally file a complaint regarding an unauthorized joint bank account opened at Truist Bank on XX/XX/year>, in XXXX XXXX, NC. This account was created with my minor daughter, and XXXX XXXX XXXX as the joint account holder. At the time, my daughter was only XXXX XXXX XXXX and a legal minor, with her XXXX birthday occurring in XX/XX/year>. This account was opened without my knowledge or consent, as I was her legal guardian at the time. 

I called and spoke with XXXX, the General Manager of the Truist branch in XXXX XXXX, NC, to inquire about this issue. He informed me that anyone can open a bank account with the parent, which contradicts my understanding of both North Carolina law and industry standards for minors. Specifically : 1. Parental Authority : Under North Carolina law ( NCGS 48A-2 ), minors under the age of 18 can not independently authorize financial transactions or agreements without parental or guardian consent. As her parent, I was not consulted about the opening of this account.

2. Improper Identification Use : My daughters birth certificate and Social Security number, which I am entrusted to safeguard, were used to open the account. These documents should not have been accepted for this purpose without verification from her legal guardian. 
XXXX. Potential Misuse of Funds or Identity : As the account was created without my involvement, I am concerned about the potential misuse of my daughters financial identity or funds associated with this account. 

The actions taken by Truist Bank violate my rights as a parent and raise significant concerns about the safeguards in place for minor accounts. I am requesting your assistance to investigate this matter and hold Truist Bank accountable for failing to verify proper parental consent before opening the account. 


I appreciate your attention to this matter and look forward to your response.
Product: Mortgage

On XXXX/XXXX/2016, I called First National 's automated system to check my available credit. It stated it was about {$330.00}. My statement also confirms this, Specifically, it states {$350.00} is available. Therefore, I paid {$300.00} on a credit card that I used to pay for an air conditioning repair. 

On XXXX/XXXX/2016, I received a letter in the mail from First National stating the check was returned for {$300.00} ; Moreover, they charged a {$33.00} NSF fee. When I called their automated system, it stated the balance is now {$8700.00}. So there is money that is unaccounted for on the account that has recently come through that they never informed me about through the mail or through their online system. Moreover, the {$300.00} paid to the credit card company is the only recent transaction completed by me on this account since about XX/XX/XXXX. They never should have returned this check and they should given the correct balance when I called.
Product: Debt collection

For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : Bankruptcy XXXX XXXXXXXXdischarged Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed out 3 separate dispute letters including an identity theft affidavit to XXXX, Equifax, and XXXX. It has been over 30 days I haven't received any correspondence from neither of the credit bureaus regarding my dispute. As per the Fair Credit Reporting Act 15 U.S. Code 1681i no reasonable investigation has been conducted due to the  inaccurate fraudulent information appearing on my credit file neither Prompt notice of dispute to furnisher of information before the expiration of the 5 business day period on the date it was received. The bureaus continuously violate my consumer rights by reporting inaccurate fraudulent information on my credit file and must be held accountable. XXXX, US Dept of Education, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX are some of the fraudulent accounts th.at were opened due to my identity being compromised.
Product: Debt collection

I do not owe nor do I have a contract with this agency. The original creditor was paid in full. When the collection agency National Credit System at XXXXXX/XX/XXXX XXXX, GA XXXX ( XXXX ) XXXX was asked to provide a contract for this debt they failed to provide the information needed for there claim that I owe a debt. I tried to contact the original creditor but they are no longer the managment of this property. I called the XXXX XXXX XX/XX/XXXX- XX/XX/XXXXwhich is the new property management company and they stated that they do not have a contract with me. National Credit System is attempting to collect a inaccurate fraudulent debt. This is against the law. They can not provide the documentation that validate this debt!
Product: Credit reporting

With Eqifax only i have a problem receiving my free annual credit report. 
When i contact Eqifax they reply by stating they have nothing to do with the website annual credit report.com and can not explain why i cant receive my annual credit report.
Product: Mortgage

In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX  that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public money.
Product: Mortgage

I have been trying to resolve this issue since XXXX What has occurred here as previously stating in submission is fraud upon a XXXX never married senior citizen has been caught is a scheme by a predatory and the lender and their failures to me as the consumer were and are despicable, and they should be held accountable. 

As the consumer and their neglect to the agreed contractual terms plus more than XXXX years to abide by agreed terms is unreasonable. 

Bank of America assigned a property to themselves attaching my original mortgage claiming I borrowed {$76000.00} dollars on XX/XX/XXXX and that is not true and can be proven. 

Then Bank of America sold in a Pool Servicing Agreement bundled unsure of what series gave XXXX Master Participation a property they did not own and that should be considered criminal. 

XXXX was violated RESPA was violated I have requested on numerous occasions the following : Qualified Written Request ( QWR ) which has never been provided a MERS  milestone report and Every dated transfer including when XXXX XXXX gave them ownership to transfer to another investor I also want to know the investors Ie : XXXX ( what is the full name and when they became the investor and all others and I want to know the securities series XXXX under which Bank of America sold to XXXX XXXX  XXXX  with as servicer XXXX  especially when Bank of America had nothing to sell to them XXXX XXXX  XXXX XXXX for XXXX XXXX XXXX XXXX 

Nonetheless this Ponzi Scheme needs to be halted and there must be some agency that can help me. I have hit XXXX brick wall after another, spoke with many XXXX and decided to hire an Attorney to find out what the another hired Attorney was doing which none of XXXX have anything to clean up the now clouded title by these predators to unjustly enrich themselves with false affidavits to line their pockets. 

I guess they figure if the banks and servicers can profiteer so should the Attorney foreclosure mill and XXXX appointed by the court. 

Moreover, I thought you had to be over XXXX to write an affidavit for it to be a legal document. Bank of America created this catastrophe and my mission is to stop the thievery, I did not do this they did it to me and legal action is more than required they have stolen my home with judicial assistance. 

I am a consumer and I should have rights that are adhered to please secure the requested documents mentioned above and direct me further. 

Bank of America account # XXXX XXXX XXXX # XXXX Action is required the judicial is against consumers and please demand that the information requested is provided actually someone should be sued because these are illegal actions against the consumer and it appears as a consumer I do not have any rights when I paid for services that were violated upon the agreed terms and they have now triple billed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizens Bank charged me for a a a Checking account that was never use after I paid off the account I was told that account will be closed and would not go on XXXX  the account is now on XXXX  after being paid in full this account on XXXX  is stopping me from opening others bank account due to the false information still on my XXXX  account I would like to have this information removed off of my XXXX  account