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

on XX/XX/year> Navy federal resolved my account restriction, however my money marketing account has been moved and switched to a regular checking account without notice. I'm not sure why they would move my money market account. I do believe I have been a victim of bank fraud deceptive practice in banking ( transferred funds between accounts without my permission ) and I would like for the OCC and the FDIC to be notified while processing this complaint. I do believe they are in an attempt to cover their tracks by causing a fictititous type of mix up. I checked my account type before it was froze as well as after the freeze the account went from a money market account to a XXXX  account to a regular everyday checking account ( my checkbook purchase fees where charge to my regular checking account and that's very unusual ). This is a common display of bank fraud and deceptive bank practice. I reported my type of account to the branch supervisor after the account freeze and I was told their security team had access to my account. I would like for this branch and their security team actions investigated. 

The images I'm uploading are proof of money market checkbook purchases and a bank state from time of purchases showing proof of purchase not represented by original checking account. Including image of checkbook purchase from money market FDIC account ending in its account number XXXX.
Product: Credit reporting or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I conditionally accepted their offer upon verifiable proof of claim. to date I have not seen any certified proof of claim for any account.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my consumer report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the Federal Trade Commissions affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

XX/XX/XXXX, suspicious activity was reported on my Chime account. A fraudulent page on XXXX was doing a promotion with their logo and was phishing for info. I kept getting texts that I was requesting new log in codes. I called Chime to dispute it. They locked my account for three days, then it was unlocked for one day. I got a text on XX/XX/XXXX, that I changed my phone number and email to a Florida number. Which I did not!!! 
I called Chime again! Requested a dispute to be filed and my account to be closed. It was not closed, got a two new cards : Checking and XXXX XXXX Credit Card. But I can not access my account. I have not been able to access it since XX/XX/XXXX. I kept getting some type " I am not a robot '' every time I tried to log in. 
Employer direct deposited {$380.00} which he could not stop transfer from bank. I have been going back and forth with Chime Support. I am tired of sending pictures of my ID 's and SSN to prove who I am. I have been a customer for over 3 years. As of today, XX/XX/XXXX, I have no money. I still can not access my account. XXXX XXXX purchases were made from my account using my direct deposit BUT it was not me!
Product: Vehicle loan or lease

XX/XX/2022 : I paid my last payment to Hyundai Capital ( DBA Kia finance ) and they cashed out my check XX/XX/2022 : After a month, I still hadn't received the title and lien release letter, so I called several times, and they said they will issue another lien release letter XX/XX/2022 : Almost 7 weeks later, I still have not received the title nor lien release letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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. 
NAMES NOT RECOGNIZED XXXX XXXX XXXX TELEPHONE NUMBERS NOT RECOGNIZED XXXX, XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently submitted XXXX complaints to this company ( # XXXX ) and ( XXXX ) along with verification of identity theft reports and identity to verify myself. I requested that the company remove all fraudulent accounts, personal info and inquiries from my report. I recently checked my credit and this company has not removed all these items and has also added back old fraudulent accounts that have already been deemed fraud and removed by the creditors. They have added fraudulent addresses and names that I have no knowledge of and some that were included in the last dispute. They have also blocked me from dispute any accounts going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my XXXX, Experian, XXXX credit profile I seen an inaccurate account reporting a late payment back in XX/XX/2019 for an XXXX account. I was never late on this account.
Product: Credit reporting or other personal consumer reports

This will be the second complaint against Equifax. The first was closed because they responded that the account I was complaining about was no longer being reported on my credit report but that was a lie and it has been added back to my credit report with incorrect information. An old account with XXXX XXXX XXXX XXXX XXXX ) aged off of my credit in XXXX. It was then added back to my credit report with incorrect information of the date of first delinquency stating it was XX/XX/XXXX. The correct first date of delinquency is XX/XX/XXXX. I have filed numerous disputes with Equifax to fix the information because it keeps dropping my credit score XXXX points or more each time its added back to my report. The last dispute I even supplied Equifax with a letter ( that I will attach ) from the creditor themselves saying they incorrectly reported the information and requested that Equifax fix it. Today the account was added back to my account with the incorrect information again, dropping my credit score XXXX points. I want Equifax to remove the account from my credit report for good and stop adding it back every other week, messing up my credit score. The account is over XXXX XXXX XXXX and should no longer be on there. Equifax refuses to fix the information even after I have filed probably XXXX disputes since XXXX. They reported to you that the information was removed and that was a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) Consumer Portfolio Services does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files.

2 ) a letter confirming the deletion of this account from all credit reporting agencies.

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
Product: Credit reporting or other personal consumer reports

I have reached out to TransUnion numerous times regarding inaccuracies on my account, but despite my efforts, these issues remain unresolved. Under my circumstances, I have submitted dispute requests and provided documentation to support my claims, yet no progress has been made. 

In contrast, I have successfully resolved similar issues with XXXX and XXXX through the Consumer Financial Protection Bureau ( CFPB ) process. I would like TransUnion to know that I have taken proactive steps to address these discrepancies with other credit reporting agencies and expect the same level of resolution from TransUnion. 

It is essential that my disputes are reviewed thoroughly, and the inaccuracies on my account are corrected promptly, trans union does not meet my credit reporting standards needed as I am homeless. Please prioritize my case to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

M and T Bank Mortgage department There is no number where you can call and speak to a human. Callers are referred to the web site which doers not help with my issue. I have tried calling the bank repeatedly, but no one answers. 

In XX/XX/2022 we were notified that our house payment would increase because the mortgage company was requiring flood insurance so they bought a policy for us WITHOUT our knowledge. Their new policy was {$620.00}. No one called us or contacted us in any way! We already had flood insurance on the house I emailed a copy of the declarations page on XX/XX/2022. The refund went to our escrow account. 

On XX/XX/2022 an electronic payment was, made to XXXX, to pay the house insurance. It was paid in full for the year for a total cost of {$3000.00} My insurance agent confirmed the payment was linked to the mortgage we had with M and T bank. 

On XX/XX/XXXX, again with out consulting us M and T bank purchased a second home owners policy for over {$3000.00}. The new policy was with XXXX  XXXX which charges a much higher rate. Again, It was bought WITHOUT our knowledge. I do notknow what this policy covers, We have received NO letters, phone calls. There was no notice. 

On XX/XX/2022, we received a letter from M and T mortgage Department telling us they had bought home owners policy with XXXX XXXX and to cancel our XXXX policy. 

I called XXXX XXXX  insurance, and their is no home owner 's policy for our home address or under our names. 

I tried to update our information, but I get the run around. No one answers the phone. Our escrow account is minus over XXXX because this policy they supposedly bought. I do not know how property taxes will be paid since we have a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

We are in the process of refinancing our mortgage with PenFed credit union. We began the process under the impression that our home was a townhouse. After weeks of working with XXXX, towards the end of the process, the loan processor figured out our property is technically a condo ( how the community is set up ). The appraiser had already done a {$550.00} appraisal, which was already paid for in full in advance. Because the loan processor figured this out so late, the closing was delayed and rate lock had to be extended ( costing us {$53.00} per day - still paying, as the process is not over ). On top of that, we were charged an additional {$330.00} because, given the classification change to " condo '', additional checks were required. No clarity was provided as to what this means what checks were run. Not only that, the appraiser charged additional {$200.00} to " update the appraisal to condo '' and to file " an additional form. '' Again, no details provided. All payments are a condition for the process to move forward, meaning the customer is held XXXX to pay them or not move at all. In the meantime, the daily fee is still being applied. 

Given their complete inability to communicate with us properly in a timely manner, they let us know we had to pay {$330.00} for " checks '' a week and a half later, delaying the process even more. The processor originally told us the fee would only be charged at closing but, instead, it became a condition, something we could not move forward with unless we paid. 

Our refinance is being held XXXX and they take no responsibility for the delay, when it was on them to tell us how to move next. The appraiser said they had worked with the builder of our home often, which makes us think they are familiar with the set up of these communities in the building industry. We do not understand how the professionals, both the lender and the appraiser, took weeks to realize our property is a condo and the exorbitant additional junk fees we have been charged since. For clarity, the process was not explained to us, nor were we aware that, should such complications arise, we would be charged additional fees- including for services already provided and paid for. 

This should be a slam dunk refinance and yet it has become a major headache. I'm floored at how XXXX has made a mess of this process. 

I believe everyone should be aware of these practices, the major inconvenience it has caused us and the hundreds of dollars of junk fees. 

XXXX has failed to accept any responsibility for these mishaps either.