23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

XXXX Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, Transunion, and XXXX to investigate these accounts on XXXX separate dates : On XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXXXXXX XXXX XXXX XXXX  - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXXXXXX XXXX XXXXXXXX - INQUIRY DATE - XX/XX/XXXX However, they stated everything was complete and accurate after my first request dated on XX/XX/XXXX. But how is that possible if the open dates, dates of last activity and much more is incorrect. I haven't received any notice or letter of a update at all for my request dated on XX/XX/XXXX Enclosed with this compliant will be XXXX 's of all letters sent for above accounts and dates. 


According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case, I am also sending a copy of the letters i sent to them.
Product: Checking or savings account

XX/XX/year> - I used the app Marcus by Goldman Sachs to open a savings account. I've seen multiple family members and friends with this app, and I had been told that it is good and secure.

- I transferred from my regions savings account {$5000.00} into my new account Marcus account. 
- Everything seemed fine. 

XX/XX/year> - I tried to log into the app in the morning. After entering my credentials, I was presented a screen that said " We've temporarily locked you out of your account. Please call us to have it unlocked. '' - I called twice this day. I was told that my Marcus account " was closed '' and that they couldn't tell me specifically why. They said they would have someone reach out to me that could explain to me why my account was closed. 
- I was told that my money would be sent back to my original regions account in 8-10 days. I took the time to confirm the correct bank account on file. 
- Later that day, I noticed that I was sent an email at XXXX that my email preferences had be changed. This is where I began to think that I had been scammed... 

XX/XX/year> - I still had not receive a call to explain to me why my account had be closed, and my money still had not been transferred back into my regions account. So, I called again. 
- I was told that my Marcus account hadn't actually been closed yet. There was a hold on my Marcus account and it is queued to be closed. I was also told that I would be receiving a check for my money in the mail in 8-10 days, not a transfer back to my original account. 
- I was told, if I had not received a check by the end of the month, to call back. 
- I asked about the change in statement preferences at XXXX. I was told that it might be customary considering the closure of my account, but she wasn't sure. 

XX/XX/year> - I have yet to receive a check for the return of my money, so I called. 
- I was told that the restriction that prevents a check request had not been removed, so no check has been sent. This is the first I am hearing of a restriction. 
- I was told that the account still hadn't been closed yet, even though it has already been decide that it will be closed. The agent said that this has been known since XX/XX/XXXX. 
- Still, no one can tell me why my account was closed. 

- Next, I was told that I should not have been previously given a timeframe, because they do not actually know how long this process will take. The agent said that she would request to expedite the process since it is already decided that the account will be closed, and I have been waiting for 14 days. 
- I was told that when the account is actually closed, I will receive an " account closure letter '' in the mail, then I should receive a check for my money soon after. 
- I took this time to confirm my address on file. 

Honestly, I keep receive different information about how and when my money will be returned to me. I can't get any information on why my account was closed, so quickly. And every time I call, I find out that my account still hasn't been closed and that an attempt to return my money still hasn't been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IL XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX adverises that they will have an 18 month interest free payments. If you do no pay off the balance they will add thousands of interest from the previous year. My bill went from owing {$2900.00} to {$4800.00} with paying {$200.00} a month for over a year. They added {$2000.00} in interest payments in one month. Not one of my payments went towards paying the bill down. We will now be paying twice what we orginally signed up for. They will not answer questions on the phone about the situation and will refer you to the bank the credit card its under. They misadvertise and over charge customers. They do not tell you that they will add on several thousands of dollars in PAST interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; DEPT OF ED/XXXXXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF EDXXXXXXXXXXXXXXXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXG account # XXXX *XXXX XXXX XXXXE account # XXXX XXXX XXXX XXXX account # XXXX *ALL PRIOR ADDRESSES LISTED ON FILE THEY ARE SHOWING *ALL PRIOR PHONE NUMBERS LISTED ON FILE THEY ARE SHOWING XXXX TRANSUNION, AND XXXX have violated my rights as a consumer and disregard to the laws set forth in FCRA.

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.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted Veterans United on XX/XX/2021. I found out troubling things about the property I was purchasing and requested a decline for property. The loan was not reviewed by an underwriter. The loan officer decided it was a withdrawal even though I provided all of the telephone numbers, email addresses, and contact information to verify the property renovation was unpermitted ( County stated that what was done was illegal ). 

We were going to purchase a property XXXX XXXX XXXX XXXX, XXXX GA XXXX ( county has as XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ID XXXX ). We requested some repairs and found them unsatisfactory ( the railing on the new deck was shaking badly, there was a gap in the floor in the screen vinyl planks near the wall ( rain water could get under floor ), windows were still not working ( painted shut ). This was all for a {$520000.00} purchase. It disturbed me so I did some digging and called the county. Per the county at XXXX there are no permits for the renovation she is also at XXXX number verified at XXXX XXXX XXXX. I called on XX/XX/2021. I sent all of this information to the loan officer and requested a decline for VA MPR. He instead withdraws the file instead of having it declined. I submitted again to him that there is now a code violation as of XX/XX/2021 per XXXX at XXXX XXXX at XXXX XXXX. XXXX was out of the office so I resent my email to XXXX XXXX at XXXX. I further found out the contractor is the seller 's husband ( seller is also the real estate agent ). I called the Secretary of State and he is not licensed and neither is his business. I provided all of this to Veterans United to get the withdrawal letter fixed and yet I am told that an appraisal which cost {$450.00} is the only way to decline for property. No one has picked up the phone and verified or called any of the places I called. How is it fair to pay {$450.00} for an appraisal just so the appraiser can find out the same thing that I found out? How does that benefit the veteran? I am beyond frustrated. The letter stating that I wish to withdraw was sent to the closing attorney so I am now at risk for losing my Earnest Money Deposit because I can't seem to get the mortgage company to understand that the property does not meet VA MPR. How can it be a withdrawal when the renovations require a permit per the Building Department and there were none? How can it still be a withdrawal when I submit more proof that the contractor is not licensed and there is now a open code violation? I can't get the loan officer to understand or follow up with all the information I have provided. I requested an underwriting manager 2x. I called into Veterans United at XXXX and asked to escalated to a manager. I have spoken to XXXX XXXX who says she talked to her manager and I have to pay for an appraisal. 

This is basically forcing me to pay for a property without permits completed by an unlicensed contractor OR forfeit my EMD. How is that fair to the Veteran when you call the company Veterans United.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XX/XX/XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This is the third time in three months that truist has been out ; online access was completely down for the site on XX/XX/2022 ; wait times to contact a rep for assistance were over an hour and the lines kept disconnecting. 

Each time suntrust/truist locks me out of the account, I end up getting an overdraft fee from not being able to manage the account. This has happened in XX/XX/XXXX and in XXXX, each time coinciding with vendor/bank sided outage to the site, and no ability to contact customer service. 

I had to physically drive to a branch ( that reeks of XXXX and had customers stating hateful XXXX  comments about the tellers ) and while they were able to get me back into my account, they weren't able to help with the overdrafts, which ttuist is forcing by locking me out of my account
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from XXXX shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( XXXX  XXXX XXXX  ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
Product: Mortgage

I have been having multiple issues with Shellpoint Mortgage Services since they took over my loan in XXXX! They have been missing payments and misapplying payments every month! Just recently had to stop payment on a check they claimed they never received! Check number was XXXX! Never posted to my account! But check number XXXX did and XXXX has not and they were sent together! Something nefarious is going on with this company and should be investigated! Im tired of it! I am getting all kinds of fanthom fees and they broke into my property to do a so called property inspection which I wasnt told about in XXXX of XXXX! This is outrageous! Something needs to be done! This can not keep happening every month! I want my escrow account moved out of this company! And I want my monies refunded as they misappropriating funds! They should not be in business any longer! The amount of stress created every month is killing me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 consumer reporting agency can not furnish an account without my written instructions.