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

From XX/XX/XXXX through XX/XX/2021. Someone has illegally taken about {$11000.00} from my Key Bank bank account. I notice that all of the money on my card was missing mid XXXX. I called the bank and someone had taken {$500.00} out of my account XXXX times. I have never authorized these transactions. 

The day someone started to remove money from my account I was traveling to XXXX. My Key bank card stopped working. I called key bank from the airport to let them know that the card was not working. They said that everything was fine. After speaking with a person from the bank I notice that XX/XX/XXXX is the day where the money started being taken from my account. I was traveling that day and believe that someone at the airport stole my identity or card information. 

I filed a dispute and the bank denied my case. The continue to say that I authorized the transactions. This is not true. I sent a letter to re open the case and escalate it. In the letter I sent information about the police report that I filed. I also sent a letter on the organization that I was in XXXX with XXXX through XXXX. They denied the request to reopen the case. Now Im looking for an attorney to help me get my money back. 

I have no idea where the money was sent or who it went to. Key bank has not given me details about how they proved that I authorized these XXXX transactions.
Product: Debt collection

In XXXX I applied for admission to XXXX University, they were in a rush to get me enrolled and I told them I didn't want to enroll until my financial aid was approved and processed because I didn't have money to pay for the classes out of pocket. The Admissions person enrolled me in every class on the degree plan and I expressed my concern because their financial aid office had problems with my paperwork. After several times of trying to get things straightened out with their financial aid office and not being successful, I dropped the XXXX class I had been enrolled in and reached out to the admissions office, to the advisor and to the academic coach to have me withdrawn completely. They took a few days to respond, I reached out to the professor to tell her that I was not going to continue the class. Finally on the XXXX of XXXX the academic coach responded and was confused about me wanting to withdraw, I explained that I didn't want to attend XXXX and to please remove me from all classes. On the XXXX, I finally received an email confirming that I had been dropped. 
I never received any bill from XXXX. On XXXX XXXX or XXXX, I received a call from a collection agency wanting to collect {$3200.00} for XXXX. On the XXXX of XXXX, I received a letter from F.H. Cann & Associates , Inc. also trying to collect. On XX/XX/year>, I called XXXX University and spoke to XXXX from the Financial Aid office and she said that they had emailed me at some email address which was wrong, so I never received an email. I asked her why she had the wrong email when I have emails from the school prior to this and emails from the financial aid office. 
I told her that I wanted verification that I had attended class when they said I did and I wanted those emails mailed to me and she said they don't mail anything. She wouldn't send me any verification. I called F.H. Cann & Associates , Inc and told XXXX that I needed them to verify that account and that I attended because I never attended. I emailed the professor once or twice to let her know that I wasn't going to attend and I told him that I wanted it certified and mailed to me and he hung up on me.
Product: Credit reporting or other personal consumer reports

Back in XXXXXXXX XXXX I was marked as deceased and was not able to receive my report. I had to verify information and requested the report back in XXXX XXXX. The only thing I received from them was a letter and not the actual report. This is inappropriate and now after time has passed. I'm able to correct some information but not all of my personal information. I placed a freeze on all three reporting agencies because of derogatory information that has nothing to do with me. This is a serious matter of concern to me as a consumer and could cause me harm financially
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

I have paid for a transunion subscription to dispute an account that was paid off. I submitted paperwork via mail and online, since XX/XX/2020. 
I attempted to submit the dispute and upload documentation online through their site and when I go through the entire process once I hit submit it says " your dispute is unable to be processed '' so I called and spoke with transunion on several occasions they stated they didnt know what was going on and that I needed to speak with their technical website department, I did and they were still unable to fix it. Then I was told that I was using the wrong dispute site that they have TWO an older and newer version, one allows for documentation upload the other doesnt, so I used the correct one they gave me a link to, so when I went through the alleged correct site, I still got the same error about not being able to submit my dispute electronically or add documentation. So I mailed it in, it has been over 30 days, closer to 60 and transunion has not removed the XXXXXXXX XXXX XXXXXXXX XXXX account. I have show that it was paid off and closed. I requested it be removed. It still shows it is open and in collections
Product: Debt collection

Boost Finance Loan now is transferred to XXXX XXXX XXXX. Supposedly a loan for XXXX was taken out. I have never taken a loan out for this amount for with these people. I have spoken with them many times and told them this is not me. Even though the loan was made with my SS #, I have never taken out a loan. Please report it as theft and stop pursuing me.
Product: Credit reporting or other personal consumer reports

I have reached out to these companies, requesting an update of my information. No action has been taken by them.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. As per the Fair Credit Reporting Act ( FCRA ), any item
of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect Name : - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXXXXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

XXXX has a debt owe I dont own and I dont have a contract with them they sold my information without my knowledge I didnt give them any permission to use or sell my information to any company I would like for it to be removed asap from all my credit reported companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Request. Please remove these accounts that aren't mine.
Product: Credit reporting or other personal consumer reports

Hello! 
I was checking my credit report for the first time in a while and I noticed that there were a large amount of inquires that were not completed by me which is fraudulent and I would greatly appreciate if they could be removed.
Product: Prepaid card

I received a {$500.00} American Express gift card from my company as a retirement gift. 
I have attempted to use it various times with multiple on line vendors without any success. 

I called American Express multiple times and they keep telling me the card is active and to just try another vendor. I have tried many different vendors without any succees. 

I have exhausted my time and resources trying to use this card.
Product: Mortgage

It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. 
I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. 
I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. 
Please review our financial situation and adjust to an affordable level. 
Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. 
We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. 
I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..
Product: Debt collection

In late XXXX or early XXXX I was contacted by a firm called Proposer Funding, LLC., claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called XXXX XXXX, XXXX. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
Product: Checking or savings account

i recently went to XXXX XXXX to open an account and they told me i have an account reporting that hindering me from opening a bank account.
Product: Credit reporting or other personal consumer reports

XXXX on trans union threes, three negetive accounts that are fraud credit collecton and two, otber charge off accounts please, have trans union fraudvictim assitance department remove these ithree negetive acounts and the four credit hard inquires theres also a federal, trade identity, thef repoet on file
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new companyXXXX XXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute last XX/XX/2021 with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notification in regards to the investigation results. It has been over 36 days. I files a 30-day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 Failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to inform you that I am a victim of the data breach that occurred as a result of the high-risk security incident involving your company. In accordance with 15 U.S.C. 1XXXXcXXXX ( a ), I am requesting that this account related to my personal information be blocked and deleted from your records to protect me from potential harm or fraud. 

Thank you, XXXX
Product: Checking or savings account

On XX/XX/year> I had a balance of {$21.00}. I was broke down at a XXXX gas station where they had no cash back only a ATM with no transaction fees. I had to withdraw {$20.00} so I could pay to get on the bus to get home. This left me a balance of {$1.00}. When I opened my Truist app the following day it showed they had charged me a - {$3.00} Non-Truist ATM fee which I had never been charged before using a non Truist ATM. This instantly placed me $ XXXX in my account. Bank was closed XXXX so I had a friend send me {$3.00} in my cash app and then wired it to my account to bring me out of the negative. I was at + {$1.00} now. I spoke to Truist on Monday and they claimed this was an optional fee that they could charge in this situation. I never agreed to such a fee nor ever signed anything stating this was a thing. 
I wake up on XX/XX/year> and Truist has now charged me a so-called maintenance fee of - {$12.00} which Ive never once seen and claimed it was because I was in the negative for a few hours which they purposefully caused and that they had attempted to run a charge through at the time which is 100 % false. Thus, once again pushing me into the negative of - {$10.00}. 
XXXX currently unemployed due to XXXX XXXX in XXXX, Fl awaiting my XXXX and XXXX claims with no money coming in because the flooding trashed my vehicle. As an uber driver its my only source of income. This is predatory behavior and I thought these junk fees were illegal per EO of The POTUS. 
This could affect my credit rating, cause my account to be closed in the negative and through nothing I did wrong. Ive had this account many years in fact since they were SunTrust Bank. The first time I hit a rough patch through no fault of my own they take advantage of it. This is sick, unethical, disgusting behavior by any financial institution or XXXX Bank. 
How can this be legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to discover that Transunion did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accounts I am contesting actually belonged to me. Transunion still hadn't sent me any proper proof. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed accounts without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed accounts from my credit report. The following elements need to be removed : XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On Sunday XX/XX/XXXX, I received emails from Bank of America indicating there was a checking account application being reviewed and subsequently approved. These emails had my name, the type of checking account opened and the last 6 digits of the account number. 

I thought this was quite odd because I was previously a Bank of America customer with another product ( not checking/savings ) but had not been since XX/XX/XXXX, so my information would be in their system. 

I called first thing on Monday XX/XX/XXXX and when I was finally able to reach a representative in their online fraud department, they would not give me any details on the account. 
They would not even provide the routing number on this fraudulently opened account. 
All they would assure me is that it was closed. 
I could not find out if there were linked accounts to it or the address used to sign up.
Product: Mortgage

On XX/XX/2020, my mortgage bank Flagstar Bank, deducted {$4000.00} from my escrow account to pay for the property taxes for my house. When I was checking this later in XXXX at the County 's website, I noticed the property tax had not been paid by Flagstar. I called Flagstar about this and I was also told to call XXXX XXXX about this. XXXX XXXX is Flagstar 's vendor that transfer the payments to the County. Flagstar told me they deducted the money from my escrow account and sent it to XXXX XXXX and XXXX XXXX is responsible in paying the property tax. Since Flagstars has many escrow accounts for all their loans, they will send the money to XXXX XXXX in a huge bulk sum ( for this instance they mention the amount was over {$1.00} XXXX ). When I called XXXX XXXX, they tell me they never received the money from Flagstar for my property. I have been calling both Flagstar and XXXX XXXX since mid XXXX and both sides keep telling me that they are still researching it. This is very concerning as money has been deducted and it seems both parties do not know where the money went. 

I also would like to add a note, I forgot that I had this escrow service set up. So I actually paid the property tax on my own by accident. I have the receipt of the tax payment from the County that I did on my own. So I believe this could not have been a mix up by the County. I also called the County and they verified they received the payment that I sent myself on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; DUE TO RECENT NEW LOAN REFI APPLICATIONS. I HAVE DISCOVERED THAT A COMPANY OR GOV ALINED ENTITY ; MAY HAVE POTENTIALLY BEEN USED TO DISSEMINATE AND DISCLOSE UNLAWFUL ; HARMFUL ; OUTDATED ; DISCHARGED BANKRUPTCY. AS A RESULT OF POTENTIAL DISCLOSURE AND PRIVACY ACT ABUSE ; MY CURRENT XXXX XXXX XXXX XXXX XXXX BELIEVE BOTH DOCS AND RECORDED CONVERSATIONS SHOW THAT XXXX ARE TRYING TO USE MY OLD DISCHARGED XXXX IN VIOLATION OF RLE AND BK CODE. THEY HAVE MADE THREATS AND TRIED TO FORCE ME INTO A LOAN MOD THAT CONTAINS FALSE MISLEADING INFORMATION IN ADDITION, A COMPANY NAMED " ADVANTAGE CREDIT '' HAS OBTAINED W/O MY AUTHORIZATION MY OLD BK DISCHARGE RECORDS AND DISTRIBUTED THEM WITHOUT MY PRIOR AUTHORIZATION. IN ADDITION, ADVANTAGE CREDIT AND XXXX XXXX. PULLED AN [ UNNAUTHORIZED HARD COPY ] OF MY CREDIT REPORT. WHICH CAN CAUSE NEGATIVE POINTS AGAINST MY CREDIT. ( I ) NEVER AUTHORIZED ADVANTAGE TO ACCESS XXXX OR DISSEMINATE AND DISCLOSE PRIVATE PERSONAL FINANCIAL HISTORY RECORDS. HOW DO I STOP THIS ABUSE FROM HAPPENING? A LAW SUIT?
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as latPlease see the attached documents to understand what had happened.e.
Product: Credit reporting or other personal consumer reports

During the past two years corporations that I've been employed with XXXX XXXX and XXXX XXXX have been victim 's to cyber-attacks. As a result, I have identified unauthorized fraud inquiries on my credit that should be all removed. These inquiries appear on Equifax ( XXXX unauthorized inquiries ), XXXX ( XXXX unauthorized inquiries ), and XXXX XXXX ( XXXX unauthorized inquiries ). I would like to request these inquiries be deleted off the above credit reports ASAP.
Product: Debt collection

Enhanced Recovery is a XXXX party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Enhanced Recovery showing that I owe this company any money nor have I given written permissible purpose for Enhanced Recovery to obtain my personal information and even contact me. Enhanced Recovery is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life. In addition, Enhanced Recovery is not licensed to operate in the state of California where I currently reside therefore clearly making it illegal to contact me about this alleged debt.
Product: Debt collection

{$0.00} Collection Bureau of A. This account has been paid in full. Company has offered to removed. No result has been rendered
Product: Checking or savings account

E*Trade ran an offer of 2.00 % APY if I transferred money to their " Premium Savings Account '' In total, I ended up moving in about {$13000.00}. However, after doing so, they reduced the APY to 0.05 %. That is bait and switch!
Product: Debt collection

I spoke with Acima Credit that they are reporting to XXXX a closed account and I am stilling every bi-weekly.