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

From XXXX to First week of XX/XX/2022 there is a illegal transaction from my account I didnt noticed because it was small amount everyday I deposited my salary every weekend which is {$800.00} I bought food at supermarket everyday generally I spend my money by food alone until one day I requested a statement of account I was totally shocked almost of my account came XXXX XXXX??? and the initial balance is almost half taken thats I realized someone using my card. I went to TD bank to complain after a few weeks I received a decision and says Theres no error did occurdo you think I am happy that someone using my card not knowing that Im losing my own money I worked very hard for it like a horse then suddenly someone used it for any day anytime. The bank didnt think very brainy the person who did the decision. Very upset I am a single parent trying to survive with no resources from the goverment neither my sons father its hard to live that everything goes up.
Product: Mortgage

I am 100 % tax exempt and have given this information issued by my county tax office to my mortgage lender.

In spite of them accepting and acknowledging this, they paid out just shy of {$5000.00} in property taxes anyway. There's now a shortage in my Escrow account. The lender has tried to adjust my mortgage to recoup this shortage when THEY messed up! I am not going to chase down these taxes or pay extra on my mortgage because Freedom Mortgage made this error. 

I have spent hours on the phone trying to remedy this. 

This is their mistake, and this is absolute unsat how they are treating a XXXXXXXX XXXX veteran. I am never late on payments, I have done ALL of my due diligence. This is absolutely unacceptable.
Product: Mortgage

I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email, the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a " learning '' on their part.
Product: Debt collection

I was informed by XXXX on XX/XX/2021 that Sequium Asset Solutions had placed a Debt Collections notice on my credit report ( filed on XX/XX/2021 ). 
-- Report # XXXX -- Acct # XXXX I have never received any notice from any creditor or company about this matter. The notes in XXXX placed by Sequium Asset Solutions resulted in an immediate 125 point reduction to my credit score. 

Sequium erroneously filed claims with all three credit rating agencies that I owe {$1800.00} for an account opened on XX/XX/2021. 
-- No details or proof of purchase for this claim have ever been provided or even mentioned to me by Sequium or any other party/company. 
-- By the way, the emails and pop-up adds from the credit reporting agencies when one begins the dispute settlement processor are also unsettling and unhelpful as they seem to imply that debt collector must be correct and that it will likely lead to a protracted dispute process. Then they barrage the person disputing with numerous expensive services. 
-- A note on one credit report seems to connect the action by Sequium to services by XXXX XXXX XXXX. For the record, please note that I have not used any XXXX XXXX XXXX service or product for more than 20 years.
Product: Checking or savings account

Etrade restricted my account for no reason and I can not even use my debit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Final attempt to resolve this matter : I send a certified letter on XXXX XXXX and made a complaint with cfpb.gov on XX/XX/XXXX with proof attached showing the accounts listed below are reporting inaccurate on my credit report and yet this matter still has not been resolved. So now I`m submitting a complaint again with cfpb.gov and ftc.gov/complaint because I`m keeping record of every complaint, so I can file a claim against you. I am asking for reinvestigation, according to Bureaus section 1681. In addition, you have violated section 623 because you refuse to correct the information after I provided proof of inaccuracy, which is defamation, willful injury. 

The reason for this complaint because you consistently violating the law by reporting inaccurate information without valid proof. Please see below I have listed each account in detail, explained the reason for inaccuracies, and enclosed valid proof showing my finding are valid. 

After reviewing my finding, please deleted theses accounts immediately. 

1.For Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx, XXXX is invalid, please delete this information immediately. 

XXXX account # XXXX Equifax reporting account type/detail as unknown and XXXX  and XXXX reporting account type detail as credit card, this inaccurate information, delete this account. 

Equifax reporting high credit as XXXX, XXXX  reporting high credit as zero, and XXXX reporting high credit as XXXX, per violation credit agencies can not report different balances, delete pre violation. 

Equifax reporting credit limit as zero, XXXX reporting credit limit as XXXX and XXXX  reporting credit limit as XXXX, This is inaccurate because there can not be a XXXX-credit limit with one agency and credit limit with another, this inaccurate information, delete this account. 

Equifax date of last active XX/XX/XXXX, XXXX  date of last active XX/XX/XXXX, and XXXX  date of last active XX/XX/XXXX, theses dates are about 1 year apart which makes this account inaccurate, delete this account. 

Dates of last payments between all 3 credit agencies are about 1 year apart, per violation delete this account. delete this account per violation and failed to investigate In addition, date of last payment states XX/XX/XXXX, which is 7 years and 6 months to date, which this account has past the 7-year reporting and two-year payment was stating CO/ information is unavailable. delete this account per violation. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the findings of fraudulent activities conducted in my name, which have resulted in unauthorized accounts and debts being reported under my credit profile. As per my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and removal of the fraudulent information from my credit report.

Upon review of my records, I have identified the following fraudulent accounts and debts that do not belong to me and were opened or incurred without my knowledge or consent : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX These accounts were fraudulently created and have negatively impacted my creditworthiness. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and any other necessary authorities to substantiate this claim. I am attaching all supporting documentation, including a copy of my government-issued ID, the FTC Identity Theft Report, and any additional evidence to confirm my identity and innocence in this matter. 
Under the FCRA, I request that these fraudulent accounts be blocked and permanently removed from my credit report. I further request written confirmation once the inaccuracies have been resolved. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I am requesting to file a formal complaint conserning my mortgage with Chase. 
In XX/XX/XXXX I filed a Chapter XXXX, payments started in XX/XX/XXXX the bankruptcy was approved in XX/XX/XXXX. Part of the chapter XXXX was that my mortgage would be paid In full and that chase would release the lean to my residence. 
XXXX XXXX all payments were completed for the chapter XXXX and discharged by the court. 
Since that time I have recieved several documents from Chase stating that I still owe a significant amount of money and the balance was different in each statement. 
While examining the document sent to me dated XXXX/XXXX/XXXX I noticed some strange calculations. 
Starting Date XXXX/XXXX/XXXX : Corporate advance Fee paid. {$4400.00} recieved. 
Unapplied funds {$5400.00} XXXX/XXXX/XXXX XXXX {$990.00} recieved Also XXXX/XXXX/XXXX Corporate advance fee {$480.00}. 
XXXX/XXXX/XXXX payment {$340.00} ( principal ) {$66.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX unapplied cash {$4400.00} XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$64.00} ( interest ) {$80.00} ( escrow ) XXXX/XXXX/XXXX payment {$350.00} ( principal ) {$68.00} ( interest XXXX {$80.00} ( escrow ) I had also noticed an escrow overage also. 
As I was concerned about the a, pint of money that had been paid to a corporate advance fee, I called the number provided by Chase. I requested a detailed breakdown of the funds in question. 
On XXXX/XXXX/XXXX I recieved from chase a detailed breakdown of corporate advance fee. 
The breakdown was as follows : XXXX/XXXX/XXXX & XXXX cost of having a real estate broker determine value of property. 
XXXX/XXXX/XXXX {$10.00} cost of notice of sale that shows time of sale of the property. 
XXXX/XXXX/XXXX {$360.00} cost recovering a title guarantee at start of foreclosure. 
XXXX/XXXX/XXXX & XXXX cost of posting the notice of sale. 
XXXX/XXXX/XXXX {$320.00} cost of publishing the foreclosure in local paper. 
XXXX/XXXX/XXXX {$340.00} mailing cost incurred during the process. 
XXXX/XXXX/XXXX {$600.00} cost of providing by the trustee handeling the foreclosure. 
I was not aware of any of these issues and was already paying a chapter XXXX. None of the actions taken were legal. 
I also called Chase in refrence to the several notifications about delinquent payments and balances due. The chapter XXXX trustee had made all payments to chase per the court orders. 
When I called Chase I was told that I was 17 months behind delinquent.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

This has been going on for a few years. I often try to withdraw pesos here in XXXX and the transaction is not completed. Just spits my card out, no pesos. This shows on my Netspend statement as a withdrawal and credit within a minute. Netspend charges me a flat fee of XXXX plus a foreign transaction surcharge on every XXXX of the incomplete transactions. I have tried dealing with them by phone and email, and they have done nothing but insist the fees are applicable even though I received no money from the ATM. These are not overdrafts, it is due to no pesos in the ATM or internet issues. An overdraft fee would be {$1.00}. To me, charging me a fee and surcharge when no money is dispensed is theft. Here is the for instance... I try to withdraw XXXX pesos. The card just gets spit out, receipt says XXXX. Netspend charges me {$4.00} and 3.5 % of the XXXX pesos I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern, I had 2 fraudulent accounts removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were deleted and now they have reappear back on my credit report. 

XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX XXXX XXXX XXXX XXXX was deleted on XX/XX/2019 Report Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I provided equifax with a police report with fraudulent/identity theft account which was open with my personal information, after the first investigation equifax failed to do there due diligent, and they still left two of the accounts on my credit report, this fraudulent accounts are XXXX  XXXX XXXX and XXXX XXXX, equifax failed to provide me with information on how the dispute was conducted and information XXXX XXXX XXXX and XXXX XXXX provided such as a physical signed agreement or drivers license that was provided when these accounts was open but could not done so, but instead I was told that the only information that was provide to equifax was word of mouth, I filed a complaint two months ago and equifax stated that they was going to reinvestigate the accounts but never did. all I need is for XXXX  XXXX XXXX and XXXX XXXX and equifax to provide information such as physically signed agreement and copy of drivers license when these account was open. and if they do, the information would not belong to me because I never open those accounts with those creditors.
Product: Checking or savings account

On XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. '' XX/XX/XXXX, Navy Federal responded with a very blanket response stating it was " Not fraud '' once again. They did not respond with how my Ex opened the account using me as a sponsor, what information she gave them, or what they plan to do to fix this problem.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] XXXXvery consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report
Product: Credit card or prepaid card

Today XX/XX/2019, I ordered a XXXX ride, the amount for the ride was {$20.00} but I was charged on my card in the amount of {$25.00} and it had XXXX XXXX by the amount. 
I live in XXXX not XXXX XXXX
Product: Credit card or prepaid card

Someone got a hold of my credit card and made fraudulent charges on XX/XX/XXXX in XXXX XXXX, and charges on XX/XX/XXXX, and XX/XX/XXXX in XXXX XXXX, SD. for a total of {$130.00}. I immediately disputed the charges and sent information to Bank of America proving that I was nearly 200 miles away when the charges were made on XX/XX/XXXX. 

Bank of America said that since the pin was somehow used, even though I was in another state, that I would have to pay the charge. I closed my account and paid the charge. 

I thought that it was the end of it, but on XX/XX/XXXX I was charged for the charges made in XX/XX/XXXX in XXXX XXXX after they had initially taken those charges off my account. Although I was in XXXX XXXX on those days, it his more than 200 miles from XXXX XXXX. 

I feel like Bank of America has unethically penalized me for closing my account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and XXXX  Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX