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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I deposited {$2600.00} cash into my account via ATM yesterday trued to withdrawl money at XXXX transaction was declined. I contacted the Bank to assure them all transactions were legit and made by me. They customer service updated my account via phone said that freeze was lifted. Today I tried to pay for a broken car windows again declined.Customer service directed me to a near branch to be identified by a banker. The Banker gave them a call said I was verified for identity. The customer Rep put us on brief hold told me I would have to wait for the department who initiated the freeze to open to get my money at XXXX it now being XXXX leaving me no access for XXXX with no food no gas no lodging I had sleep in my car and go hungry cause I deposited my entire cash amount into my account I had my grandkids who also suffered the embarrassment of sleeping in the car. I never reported fraudulent activity these events was due to a bank error.
Product: Checking or savings account

XXXX, XXXX  Bank of America have unfairly stayed with my savings account over {$9000.00} after my accounts closed regarding a check problem in my checking account.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.
Product: Credit card or prepaid card

On XX/XX/23, I submitted a {$40.00} payment to Indigo XXXX acct on a balance of {$300.00}. The payment was applied and the current balance is {$260.00}. However, the available credit remained at - {$5.00}. After applying the payment there should be an available credit amount. 
Approximately, XX/XX/23, I inquired about the available credit remaining at - {$5.00}. It was very difficult to understand the agent but I was able to decipher something about 15 days. 
At this time, XX/XX/23, this remains at negative {$5.00}. Also, account provided an overlimit would be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a check. It was a gift of {$5000.00}. I went to deposit the check on Friday the XXXX of XXXX. I received a notification that the check was put on hold due to the amount in the check is larger than I normally deposited so that was normal to me. On the XXXX of XXXX, I go to log in to my account because I just want to see how much I could spend on gas. The account was locked and I was not able to get in. Wednesday the XXXX, I called Bank of America to see what the problem was and why my account was locked and they told me that the check I had tried to deposit was a counterfeit check. I didnt know that. It looked like a real check from XXXX/XXXX. Now Im cant bank at Bank of America anymore and I having trouble trying to find a new bank.
Product: Mortgage

Breach of Contract 1. I was approved for a HAMP Tier 1 Home Loan Modification back in XXXX XXXX, I followed all instructions as given to me. I signed and returned via fax the modification agreement that was supposed to be finalized. Ocwen did not fulfill their obligation under this agreement and I was rejected from the program due to no fault of my own. 
2. Ocwen alleges that they sent notification to me via certified mail but I did not receive the correspondence. The letter was notification that they needed proof that my home address was in fact my primary residence. 
3. I received a copy of this letter from Ocwen only in response to my initial " letter of complaint '' to the Georgia Office of the Attorney General 's office back in XXXX XXXX. The letter did have a United States Postal Service tracking number as reference of their attempt to deliver said notice. 
4. I tried to use the tracking number to see what results I would get and due to the lapse in time my results were limited. I contacted my local Post Office that would have made the attempt to deliver this notice and discovered some shocking results. 
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I placed an order on XXXX on XX/XX/XXXX. I ordered a comforter set as well as several other items. I received all of the items in my order besides my comforter set. My tracking information shows a label was created on XX/XX/XXXX, however XXXX never picked the item up, its still in the same status it was in on the XXXX of XXXX which states a label was created. I chatted with a representative on XX/XX/XXXX and was told that I needed to wait for 48 hours while their investigative team looked into my order. I called in on the evening of XX/XX/XXXX and after over an hour of back and forth I was finally told they would issue a refund for the comforter set which was {$76.00}, I was also told I would be getting a XXXX XXXX  credit added to my account for the issues. On XX/XX/XXXX I checked my account and my refund still hadnt been initiated so I went online and chatted with a representative who informed me that my refund was never processed but there was notes that it intended to be, the previous representative just didnt finish the process. He told me my refund would be in my account within a couple days since it was my XXXX  card and I would get a XXXX XXXX credit within 24-48 hours. It is XX/XX/XXXX, I still have not received the comforter I ordered, I have not received my refund, nor have I received the XXXX XXXX I was promised. I called XXXX  customer service again today, XX/XX/XXXX and was told that they are opening a case and I need to wait 7 more days for my refund. 
The reference number for the phone call is XXXX. 
The reference number for the chat is XXXX.
Product: Mortgage

I reached 80 % L.T.V. on my mortgage in XXXX 2016. I wrote and e mailed a request to have P.M.I. dropped to no avail. At 78 % L.T.V. it should have dropped automatically but it didnt. I have spoken to 10 different people at Key Bank about this and no one cares or does anything to rectify the situation. They gave an excuse that it was still in effect because I owed a {$45.00} late charge which never appeared in any of my monthly statements. I paid it and still I am being billed for P.M.I. for 15 months after it should I have been dropped. I have never dealt with a company that has treated me so poorly and has shown zero interest in resolving the problem. Currently I am investigating if what they are doing is even legal and looking into filing a complaint with the Attorney General 's Office.
Product: Mortgage

I applied for mortgage w Amerisave and got approved. I reseived disclosure and I reviewed it on XXXX/XXXX/2016 and found error in the value I listed my house price ( I do n't know if I added XXXX or they added ) I flaged it several times and uploaded it to them on the same day. I followed that with phone calls to them and they told me not worry and it is normal mistake. They reviewed the disclosure and did n't update me on any any thing and proceeded with appraisal ( cost to me {$800.00} ). After the appraisal I received a new disclosure with over {$8300.00} of extra fees. This substantial amount and I 'd have stopped the refinance and appraisal over this since the refinance rate is the same as the original rate and this will take away large amount of the cash out. I asked for a refund for the {$800.00} but they refused. They clearly violated TILA and I disputed the charges with my credit card company. I 'd like your help in resolving this matter. Please advise on my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax Credit Bureau by mail and email about information that's reporting to my credit report as inaccurate. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Equifax has sent me letters via their online site stating they have verified that the item is correct but has not sent me any documents that I have a right to verify. The accounts are as follow : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I have always placed a fraud alert on my account when I noticed inaccurate inquires which Equifax is aware of and due to Equifax breach which I have confirmed with their representative that I am impacted by. Due to Equifax lack of responsibility with my information has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its my second attempt to ask for your help as I have fake accounts in my profile. I do not know these accounts and I do not recognize them They are not mine. Please delete them finally otherwise I will keep writing to you every month as I can not move on in my life financially. Its killing my plans
Product: Checking or savings account

I am a small business owner. I was using XXXX as my credit card processor. Late last year I decided to use a different credit card processor because their fees were too high. After I cancelled their service XXXX withdrew {$570.00} on XX/XX/XXXX and {$490.00} on XX/XX/XXXX from my business checking account at Bank of America by ACH. The reason for these withdrawals were never explained to me and I believe they are fraudulent. I tried to contact XXXX by phone and email many times but they did not answer any of my calls or emails. They never responded back to my inquiry about these withdrawals. I contacted Bank of America about these withdrawals sometime in mid XX/XX/XXXX. They told me they would open an investigation and will contact XXXX. Several weeks passed by during which I called Bank of America several times to find out if there was any progress in the investigation. Every time I called Bank of America told me that they are waiting to hear back from XXXX and that XXXX has not replied to their inquiry. In XX/XX/XXXX when I called Bank of America what the status of the investigation was, I was told the investigation has been closed with no action taken since they never heard back from XXXX. I believe XXXX fraudulently withdrew {$1000.00} from my bank account illegally and Bank of America failed to rectify the complaint I filed with Bank of America in regards to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is a bureaucratic circle by Experian to avoid removing closed accounts, old milling addresses, public information, inquiries, and late payments after specific after many attempts to remove/delete requested information from my consumer credit file. HUNDREDS of dollars spent with credit repair companies, and an exhaustive, frustrating and stressful effort on my part via letters, and attempted telephone calls. In many case my private information have been shared without my consent where permissible purpose never provided. When advised that I was affected by Experian data breach XXXX : no Credible action taken EXPERIAN : XXXX XXXX formally notified of of reporting inaccurate and incomplete credit information Online disputed in XX/XX/XXXX timeframe : agency responded XX/XX/XXXX under report # XXXX whereby requesting private information previously submitted. 

XXXX XX/XX/XXXX : formally notification of inaccuracies and incomplete information in credit file. The agency was requesting addition privacy information previously submitted in an attempt at avoiding to conducting required investigation. 

XXXX XX/XX/XXXX, I lost my job due to company downsizing and potential due to my age ( XXXX ), and followed by significantly impact due to COVID-19. For more than two ( 2 ) years the agency continue to report incomplete and inaccurate information in my credit file without my consent.
Product: Debt collection

This account is very old and should have fallen off. this credit card was from XXXX XXXX from bank in XXXX i live in WI where the statue of limitation is 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax basically never lets me check my score, and I submitted a dispute with them about a derogatory account I saw was ONLY on my Equifax report ( I saw on a third party credit monitoring website since Equifax won't let me in ). I've tried calling Equifax, per the suggestion on their website, but the woman on the phone at Equifax said their " systems were down '', so I waited a few days to see what was happening with the dispute since they keep emailing me a Dispute confirmation number. I keep attempting a login, because apparently having a form where you just type in your dispute number would be just too easy for consumers, am I right? Got ta make it hard on us consumers, right? Well anyway. Their site keeps saying they can't help me online. You've GOT to be kidding me. This is not FAIR to me, as I know all of the questions I'm answering are accurate. What is wrong with Equifax? Both XXXX  and XXXX are amazing, but Equifax needs to stop being a rude company and just let me see my XXXX  dispute results for goodness sake!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these from accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is my Other 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 inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Heres a professional draft you can use to communicate your concerns to a lawyer : Subject : Legal Assistance Needed for Unauthorized Transactions, Overdraft Fees, and Financial Hardship Dear [ Lawyers Name ], I am seeking legal guidance regarding unauthorized transactions on my account, repeated overdraft fees, and issues related to account security. Below is a detailed summary of my situation : 1. Unauthorized Transactions and Dispute Denials : I have experienced repeated unauthorized charges on my debit card, including small amounts for games on XXXX that I did not authorize. 
A significant charge of {$210.00} was made on XXXX via my childs device. Despite explaining to my bank that I did not authorize this transaction and never entered my debit card information on my childs XXXX XXXX, my dispute was denied. 
The bank advised me to contact XXXX XXXX, but XXXX also denied my claim, stating the charge was linked to my account because of my monthly XXXX storage subscription. 
These incidents have required me to frequently change my debit card to avoid further unauthorized transactions.

2. Overdraft Fees and Financial Hardship : As a single parent facing financial hardship, I have often struggled with overdraft fees. My account would sometimes become overdrawn due to automatic payments processing twice, unauthorized charges, or the timing of bill payments.

The overdraft fee of {$34.00} per occurrence feels excessive, especially when the bank charges this fee multiple times within a XXXX period. This practice disproportionately impacts individuals already experiencing financial struggles. 
I believe the excessive fees are morally and financially burdensome and feel that banks should take a more reasonable and compassionate approach to addressing overdraft situations. 
XXXX. Account Security Concerns : To safeguard my account, I have had to change my password and username multiple times due to recurring security breaches and issues with biometric authentication. 

I am seeking assistance to understand my rights in these matters and explore potential options for relief or resolution. The combined effect of unauthorized charges, denied claims, and excessive fees has created significant stress and financial strain. 

Please let me know if additional details or documentation are needed to evaluate my case. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been disputing charges from a company called XXXX the own several companies that were part of an elaborate scheme to bilk millions of dollars from consumers in the United states. I disputed a charge made on XX/XX/2018 of {$5100.00} with the company " we sell good traffic '' they are owned by a company called XXXX ( XXXX XXXX XXXX XXXX ) I purchased affilliation with XXXX XXXX which is an online marketing company of digital products over the internet. This XXXX company has turned out to be a huge scam. I was sold a list of buyers that were supposed to generate sales for the business, however this $ XXXX charge was just another way this XXXX   company fraudulently charged me. The reason why is that this was an empty service that i got nothing in return for. It was just another way to get money from me after the XXXX comany had charged up over {$80000.00} on my credit cards. The comany never responed to my emails that this " we sell good traffic '' company which is part of XXXX did not provide what I paid for which was supposed to be 21 buyers and ongoing coaching from the company. It was just an empty scam and I disputed this charge and many others as fraadulent. capital one is the credit card company that looked into the dispute I filed with the " we sell good traffic '' they originally removed the charge from my statement but then the comany challenged it and then capital one put the charge back on. Now I want to tell you something very very important. 2 weeks ago I received an email from the The U.S. Federal trade commision telling me that the FTC has shut down this XXXX company and 8 other businesses they own and froze the assets of the principles in the company ... here is the official link for the FTC action against these criminal companies. https : //www.ftc.gov/XXXX An attorney at the FTC provided me this information but the charges against this XXXX cmpany and " we sell good traffic '' came out after capital one denied my dispute for the removal of the {$5100.00} The FTC has been investigating this XXXX company for more than 2 years. I spoke with an attorney at the FTC and he told me that I should make this new information known to the capital one dispute team. I did tell Capital one about the fact that the FTC has shut down this " we sell good traffic '' company. I should not be charged for this {$5100.00} because it was just part of a huge fraud that I got caught up in. I hope justice will be done and that capital one will remove the charge and clear it from my account.