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

On Monday, XX/XX/XXXX, I checked my account balance and realized that I was missing over {$800.00} as noted below. When I checked my online balance it showed the following activity at XXXX XXXX. I placed a call to Bank of America to dispute the charges. The Bank of America representative stated I would have to wait for them to mail me a dispute form. The dispute form never arrived, so on XX/XX/XXXX and XX/XX/XXXX, I faxed a letter disputing the charges. Initially, I was told that a provisional credit would be issued within 2-3 days of receiving the dispute. Now, I have been told that the bank does not have a time limit to issue a provisional credit. I 'm attaching a copy of their error resolution policy that contradicts the information I am receiving from the representatives. Additionally, they are now claiming it may take 90 days to resolve the dispute. I look forward to your resolution and any possible understanding explaining how the charges were illegally extracted from my account and the funds redeposited into my account. 

LINE ITEM CHARGES -- ALL THE DEBITED AMOUNTS OCCURRED ON XX/XX/XXXX XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$210.00} ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Decline Fee, XX/XX/XXXX ( {$2.00} ) ATM Decline Fee ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00}  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( {$2.00} ) ATM Withdrawal Fee ; XX/XX/XXXX ( {$100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried to fixed this issue for several times but still reflect in my report please delete this account now or else i will file a case. Please delete this account now. Here 's the list XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID so you can see my signature. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.
Product: Credit reporting or other personal consumer reports

I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract.

I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that M & T Bank issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After M & T Bank issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have M & T Bank reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and M & T Bank allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
M & T Bank listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and M & T Bank. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to XXXX XXXX. 

I contacted XXXX XXXX three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. XXXX XXXX outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXX, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to.

This needs to be immediate removed. This charge has absolutely nothing to do with me. Infact , M & T Bank in XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD OAG, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with M & T Bank. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left M & T Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted vanilla Visa credit card because I had checked the balance on my card and notice that a {$190.00} had been charged onto my gift card. I contacted vanilla Visa gift card at XXXX and they informed me that they would put a block for the representative I spoke to. They informed me to call back in 7 days to get an update. I called to check my balance Today and spoke to a representative who informed me that the transaction that was made Through XXXX XXXX  did go through after all through after all. She then informing I would have to file a dispute and that in itself would even guarantee me that I would get the {$200.00} back. And that I would have to wait 90 days. At which time I decided to request to speak to a supervisor. She Reiterated the same thing the representative told me, Which is absolutely unacceptable being that I'm being inconvenienced over a situation I have no participation or control of if someone hacks the card. Th The supervisor informed me that it could take 5 to 7 days if I call XXXXXXXX XXXX  directly and provide in me the following number XXXX. This number ring and rang and rang with no option for leaving voicemail or with any recording indicating its eligibility company. Thus this solution is not a viable one.
Product: Mortgage

Our original Mortgage servicer was XXXX XXXX XXXX. We were approved for a trial payment plan in XX/XX/year> that once completed would approved us for a forbearance of the payments we were behind. We successfully made those payments in XX/XX/year>, XX/XX/year>, and then the last trial payment was due in XX/XX/year> but our Loan got transferred over to a new servicer call PHH Mortgage. We contacted them promptly to make the payment however they informed us they were awaiting the documents with the trial payment and forbearance information to be sent over to them from XXXX XXXX and so we could not make our payment until that was sent to them. We then contacted them again in XXXX and told them we need to make the final trial payment to ensure our plan was not broken and so we sent it to PHH electronically to them in XX/XX/year>. We had had several issues with mis information from PHH because now they are claiming we did not meet the criteria of the payment plan. I have had to personally contact XXXX XXXX to confirm that we made the payments and that we successfully completed the trial payment plan in which they say we did but PHH states that information has not been sent to them nor do the payments we made have been reflected on our account. We are now being threatened with Foreclosure by PHH. I have requested that PHH reach out directly to get proper information from XXXX but they are refusing to do so. The documents showing the terms of the trial payments and that the payments were made, I requested from XXXX XXXX last week Thursday have still not been sent to me after my several request by telephone and email. PHH refuses to help in any way and their representatives constantly provide inaccurate information causing much confusion with getting this situation corrected. We need help with getting this resolved. We just want our payments and forbearance terms to be communicated properly to PHH as well as not be mis informed on how we can make our payments going forward to PHH because they have stated since the account shows delinquent we can not make any payments at all. We do not want to loose our home nor have it go into foreclosure.
Product: Credit reporting or other personal consumer reports

Attempted to put a freeze on my report from XXXX and unable to due to website failure abd when i called it gave me the run around to yse the website which is not functioning to Put a security freeze on my account
Product: Debt collection

Called from XXXX. On XXXX I was told by someone I was being sued and someone was coming to serve me with papers. I asked what this was about and they said they can not see anything and I would have to call this # to find out more. The # was XXXX. I called and they said they were called national. The person I spoke to was a XXXX XXXX. I tried to set up payment with the company but after not receiving any kind of information by email confirming anything I did not pay the company. They said legal action will be taken against me. The rep I spoke to was named XXXX XXXX. The rep refused to tell me the whole name of the company and only said they are called national. I asked if they were a debt collector and they stated no they are a proceedings office
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting on my credit report Account name : XXXX XXXX When account was open : XX/XX/XXXX Account balance : {$7800.00} Account name : XXXX When account was open : XX/XX/XXXX Account balance : {$4000.00} Hard inquiries : Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX Inquiry date XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account name : XXXX, XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX  Inquiry date : XX/XX/XXXX Account name : XXXX - XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Names Reported : XXXX XXXX XXXX  XXXX XXXX XXXX Correct name should be reported : XXXX XXXX XXXX Padilla I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 I also have enclosed copies of the Federal Trade Commission and I also have Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research into the laws regarding credit & consumer protections I found out that reporting agencies are in direct violation of my consumer rights. According to the FCRA 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 respect for the consumers 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I most certainly have a right to make sure my information is private and isn't shared which is backed by 15 USC 6801 that 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. '' XXXX XXXX XXXX XXXX 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 and the Consumer reporting agencies XXXX, 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, 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 formation, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( 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 report to the purposes listed under section 1681b of this title. '' A consumer may exercise the right to opt out ay any time. I am opting out of your reporting services. ''
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they refuse to follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges and threatened me with jail. I demand this account be taken off immediately and the company cease all communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a collection on my credit report for 4 years now. It is a  Utility bill th at is in my name yet under an address that I have never resided at nor gave permission to have it put in my name. I have contacted the original credito r on  XXXX /17 they have sin ce then advised me that they have concluded it is not mine and advised  XXXX  and equifax on  XXXX  17 to h ave it removed.  XXXX  removed it immediately however, Equifax refuses to remove it after explaining everything and disputing the situation 3 times since   XXXX   of 2017    .
Product: Credit reporting or other personal consumer reports

I am writing this request to CAP ONE AUTO that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}
Product: Debt collection

I have a collection on my credit report from TransWorld Systems. It states that the original creditor was XXXX. I have never received any communications from TransWorld Systems prior to them reporting on my credit report. Furthermore, this debt was previously under service of XXXX XXXX. I submitted a debt validation letter and they responded that they would cease collections as they could not validate the debt. I do not owe this debt and TransWorld is improperly reporting this information!
Product: Vehicle loan or lease

XXXX XX/XX/year> I completed a full valid application with Exeter Finance LLC. I was sent a vague denial letter stating they denied me based on my XXXX report. I am requesting a FULL disclosure of my reasons to be denied a right to credit under the ECOA. Please only provide legal reasons as any fraud or deceit can and will be used in any future legal proceedings that may arise. Please disclose the legal procedure of using my credit score in a credit transaction.To be clear, I am not asking for corporate policy or unenforceable procedures. The letter states you obtained a consumer credit report on me. what information was requested on me? what was used exactly from the report? How was it used in the decision and please provide correlating federal laws that apply to this method. 
how on the bottom it says that this letter was revised on XX/XX/year> adverse action ( XXXX ) am I being given a generic response? isnt it required by law I be given clear disclosures? so why am I having to request a personalized clear disclosure? who is actually thororlghy investigating these decisions? this seems extremely shady and deceptive
Product: Debt collection

I am filing this complaint regarding the continuous harassment and unauthorized collection attempts by XXXX XXXX XXXX in connection with a business matter they claim to have with Navy Federal Credit Union. Despite my repeated requests for them to stop contacting me, they have continued to reach out on multiple occasions, demanding sensitive personal information. 

Dates of Contact I was contacted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Details of the Harassment Each time XXXX XXXX XXXX contacted me, they : Requested that I confirm my Social Security number, date of birth, and addressdespite me never having done business with them. 
Failed to provide written validation of any debt that they claim is associated with Navy Federal Credit Union. 
Refused to explain how they obtained my personal information when I directly asked them. Instead, they directed me to contact Navy Federal Credit Union, claiming that is where they got my details. 
Ignored my requests to cease communication and continued contacting me repeatedly, which has caused stress and inconvenience. 
Possible Violations Committed by XXXX XXXX XXXX I believe XXXX XXXX XXXX has violated the following consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692d ( Harassment or Abuse ) They have repeatedly contacted me despite my objections. 
15 U.S.C. 1692e ( False or Misleading Representations ) They failed to properly verify the alleged debt and did not provide any validation in writing. 
15 U.S.C. 1692c ( c ) ( Cease Communication Request ) They continued to call after I told them to stop. 
Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Unauthorized Access to Personal Information ) XXXX XXXX XXXX XXXX have accessed or used my private data ( Social Security number, date of birth, address ) without my authorization.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy showing up on my credit reports. I have proof from any courts that they DO NOT report to credit bureaus. I sent a certified letter to all XXXX  major credit bureaus and received a letter back stating they could not complete my request as they were unable to determine what I was requesting. The letter that I sent them clearly stated what I was asking them to do and included my name, social security number and all information that they needed. I do not feel that they even looked into my request and just sent a generic letter stating they had. I want the bankruptcies they are reporting to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost let me say that this is not a complaint or an attempt to bash transunion they have been very helpful and supportive to me in the process of resolving this issue Ive had with my credit Im sending this letter however because theres an account from XXXX XXXX  that remains on my credit report that does not belong to me I assumed that it was perhaps an oversight by the review team. There is an account for XXXX XXXX XXXX showing as well I am therefore requesting the move of this account this account does not belong to me this account has already been removed from XXXX profile records so Im puzzled as to why is the reporting on Transunion if you can help me I would really appreciate it thanks