23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was a Susquehanna bank customer. I had a credit card with Susquehanna Bank serviced by XXXX XXXX. BB & T purchased Susquehanna Bank and all customers were " transitioned ''. We retained a credit card if we had XXXX. On XXXX XXXX 2016 I applied for a BB & T XXXX XXXX card with the sole purpose to use it as a low balance business card to make XXXX or less material purchases for my small business and take advantage of the 0 % introductory interest rate. I applied for the card IN PERSON at my local branch. I was immediately approved but for a very low credit limit. with a credit score of XXXX and a credit limit of XXXX on my current visa I asked why? My local banker called BB & T and they said they raised the credit limit to XXXX confirming it with my branch the next day. AT NO TIME was a balance transfer discussed. A few days later I received a letter from BB & T stating I had been approved for a XXXX with a credit limit of XXXX. 3 days later my card came, I activated it but did not make any purchases at that time. Upon checking my online balance a few days later on BB & T 's online banking website I noticed there was a XXXX balance on my new card. I immediately went to my local branch and questioned this. My banker noted that I was NOT the only person this happened to, and perhaps it was a glitch of some kind. When he called BB & T they said they were getting a high volume of calls about cards that day. My banker was connected to a supervisor of some kind and they stated I initiated a balance transfer. My banker then physically pulled the paper application I filled out for the card and signed and dated IN MY OWN HAND. The " balance transfer certificate '' section was BLANK. Upon further arguing back and forth BB & T faxed over a " new '' application that had the balance transfer certificate filled out in TYPE FACE and DID NOT HAVE MY SIGNATURE on it. My banker argued that I had not asked for the transfer, BB & T said they would waive the XXXX dollar finance charges on the transfer but that I was now responsible for the debt. No one can explain how or why the balance transfer happened or who authorized it. BB & T then claimed that once a customer signs a document that signature can be used on any other document they choose. With Susquehanna my monthly payment was under XXXX, this was within my very tight budget. The balance transfer nearly maxed out the new card, and brought my monthly payment up to nearly XXXX a month FAR outside my ever tightening budget, and it made the prospect of using the card impossible and further caused me financial hardship. They are unbending and uncooperative in helping me with this issue and left the blame for this incident on the branch and the banker who submitted the application. I was there and I NEVER asked for a balance transfer nor did the banker in question. BB & T corporate is at fault and should be blamed, investigated and reprimanded for their actions NOT my local banker or the local Branch.
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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT. THIS IS REGARDING MY HOME HAVING TITLE TRANSFERRED TO A NUMBER OF DIFFERENT ENTITIES WHILE INVESTIGATIONS WERE OCCURRING AND A DISPUTE WAS IN THE PROCESS OF BEING RESOLVED. ULTIMATELY SOMEONE ALLEGEDLY PAID HUNDREDS OF THOUSANDS OF DOLLARS MORE ON IT THAN WHAT I OWED. IN ADDITION, APPROXIMATELY {$100000.00} OF INSURANCE PROCEEDS WAS HELD IN AN ESCROW ACCOUNT FOR ME COLLECTING INTEREST SINCE XXXX. 
BOTH XXXX XXXX XXXXXXXX AND XXXX XXXX XXXXXXXX STATED THAT THE OVERAGE NEEDED TO BE DEALT WITH THROUGH MR COOPER WHO IS NOT COMMUNICATING. MR COOPER HAS CONTINUALLY INSTRUCTED ME IN THE PAST TO CONTACT THEIR REALTOR WHICH WAS DONE OVER 10 TIMES. THEIR REALTOR HAS NEVER RESPONDED TO ANY COMMUNICATIONS. I DO NOT KNOW WHICH ENTITY IS RESPONSIBLE FOR TRANSFERRING TITLE TO SOME INDIVIDUAL WHO WAS TRYING TO TRANSFER MY UTILITIES INTO HIS NAME AT LEAST 6 MONTHS PRIOR TO THIS ( PER MY UTILITY COMPANY ) WHEN THIS INDIVIDUAL SHOULD HAVE NOT HAD ANY INVOLVEMENT WITH MY PROPERTY. THESE ENTITIES FALSELY STATED THAT NO ONE WAS INTERESTED IN MY HOME WHEN IN FACT THERE WERE MANY PEOPLE INTERESTED IN PURCHASING MY PROPERTY INCLUDING MY NEIGHBORS ACROSS THE STREET WHO HAD TRIED TO PURCHASE IT BUT WERE BLOCKED FROM DOING SO. A TITLE REPORT SHOWS THAT THE SAME INDIVIDUAL WHO HAD BEEN TRYING TO TRANSFER UTILITIES INTO HIS NAME MONTHS BEFORE HE WAS PUT ON TITLE, PAID XXXX XXXX DOLLARS FOR MY PROPERTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
Transunion, XXXX, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately
Product: Credit card or prepaid card

Multiple lender or creditors reported that i opened a new line of credit or an account with them when i havent. It currently says i have XXXX lines of credit when i should only have XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to TransUnion on XX/XX/XXXX and it has been in progress since XX/XX/XXXX. They removed the items and added them back to my consumer report without explanation. I understand that i have a right to know why they did that and a right to see the results of the investigation. I also understand that it is a penalty against the FCRA for a CRA to go past the 30 days. This is causing financial damage and crippling my pursuit of home ownership. I will take the necessary steps for restitution immediately according to the FCRAs law for willful and negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I have an XXXX XXXX XXXX ( AAdvantage Aviator Red Mastercard ) managed by Barclays bank. On XX/XX/2024, I noticed a charge from XXXX XXXX for {$1900.00}. I did NOT purchase anything from XXXX XXXX ( no flight, nothing ). So, assuming the charge was fraud, I disputed the charge, locked/replaced the card. I assumed that was the end of it. On XX/XX/2024, Barclays put the charge back on my credit card balance, they sent an e-letter to me stating they confirmed with XXXX the charge was legitimate, Barclays said this was for a flight though no information was or could be provided to me by Barclays substantiating this. So, I called XXXX XXXX to see if I could get a " refund '' for a flight I neither purchased nor took. XXXX did tell me there was a flight from XXXX departing XX/XX/2024 under my name ( XXXX XXXX ) but no one actually got on that flight. Neither XXXX nor Barclays will refund or cancel the charge for a flight I never purchased. Again, Barclays manages this card for XXXX XXXX so someone at either company should be able to remediate but they are not. Right now, I have to pay this fraudulent or erroneous charge to protect my credit score. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX  ) with a family and can not afford to have money stolen from me by large wealthy mega-corporations.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, XXXX reports that on XX/XX/XXXX XXXX/XXXX and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7100.00}
Product: Credit reporting

My information and my XXXX brothers information is being included together because our social security numbers are a digit off
Product: Mortgage

Hi, this mortgage was signed with a balance of {$730000.00} and transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX after the first payment was made with a balance of XXXX. Then, I made the second payment in the amount of {$6100.00}, plus {$5000.00} going to the principal. Then, I made an extra payment of {$5000.00} going to the principal. At that time, they did not apply this payment as it was supposed to be. Instead, they held it as unapplied and sent me a statement showing a principal in the amount of $ XXXXThen, after I contacted them asking to apply the payment to the principal as the payment was made, the customer service representative said that it was sent to be reviewed, but came back without the right results, but with a non-understood changes that asked me to make the next payment in XXXX, skipping XXXX and XXXX, which called my attention and push me to make several calls without a fair correction. 
For XXXX 's payment, I sent a payment of {$11000.00}, that includes XXXX 's payment and {$5000.00} to the principal. Then I received the XXXX statement that shows a principal balance of {$720000.00} with {$5000.00} applied to XXXX payment. This action is forcing me to pay inters of {$5000.00} dollars in the last XXXX months and according to the payment breakdown that was provided by the original lender at the closing table, after these XXXX payments, my balance is supposed to be around {$720000.00}. I can't tell the exact amount. 
As you can see, they are applying payments the way they want to, and this resulted in a fraud against me to charge interest while they hold my money. 
They have the call record that was done are around XXXX, and every single call, I had consented to be recorded. 

I had to take this action because I'm tired of contacting them without results. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Transunion added a fraudulent account on my credit profile named XXXX/XXXX  XXXX. This is a fraudently account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further.
Product: Checking or savings account

I am asking {$450.00} promotional bonus from TD Bank due to promotional offer. On  XXXX   XXXX ,  2017  I opened a premium checking account and convenience checking account as brand new customer. According to promotional offer, If customer make {$2500.00} direct deposit can get {$300.00} bonus for premium checking. If customer make {$500.00} direct deposit for convenience checking can get {$150.00} bonus. Followed by these requirements, I had direct deposit more than {$2500.00} on  XXXX   XXXX ,    2017  to my premium checking within 60 days and another direct deposit more than {$500.00} to my convenience checking on  XXXX   XXXX ,  2017  within 30 days. I had asked bank numerous times including personal visit to branch, secured message, over the phone etc. to pay. However this bank used different excuse to refuse to pay {$450.00} bonus. In order to avoid monthly service fee, I am asking the bank to hold these  XXXX  accounts to pay {$450.00} bonus. OR I am asking this bank to pay {$450.00} and close these  XXXX  accounts.
Product: Debt collection

15 USC 1692g Validation of debts. I do not recognize how this account is reporting on my credit report. I dont recognize the account number. I dont recognize the account statues. I dont recognize the status. I dont recognize the high balance, nor do I recognize the late payments associated with it. Everything here does not meet the FCRA. 
Request purchase agreement I am asking for the XXXX of my profile Law USC 1666 ( b ) 1637 ( a ) to deleted XXXX day late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX from XX/XX/XXXX in the amount on {$380.00} that was due to fall off ( or already has ) was illegally re-aged in XX/XX/XXXX. I sent a dispute to Equifax and they closed the investigation without any information on why it was not deleted. I re-submitted the claim and still not information and being unresponsive. 

It has already been removed from XXXX.
Product: Credit card or prepaid card

I recieved a Bank of America credit card in the mail to my home address in my madian name. It was was card opened or requested without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020
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 XXXX XXXX XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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

1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 
2. XX/XX/2013 is the date that the bill was acquired. 
3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 
5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.
Product: Checking or savings account

On Sunday, XX/XX/XXXX my son made a mobile deposit for a check into a savings account that has both of our names on it. The next day, I noticed the check was on the account 3 times, I told my son to call VyStar to resolve the issue and reverse the XXXX extra deposits that were pending. VyStar representative confirmed the issue would be fixed on XX/XX/XXXX. On XX/XX/XXXX, Vystar reverse the deposit but has incorrectly charged a fee of {$8.00} for an error made in there system. They have also made the account negative even though the funds should be available for the check deposits on XX/XX/XXXX and reversed the deposit amount that was posted in error. My son has not withdrawn any money that was posted in error and does not have access to his funds. This credit union is engaging in practices that harm their customers financially when they make such errors.
Product: Credit reporting or other personal consumer reports

I have disputed the inaccuracy of the account, and that the account was the result of identity being used to open the account. I submitted a dispute directly with XXXX, and the results state that Consumer Adjustment have researched the account, and the results are they have deleted the collection account from my XXXX credit file, and they will also need to delete it from XXXX, and XXXX as well.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1999 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX