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

Hi, my name is XXXX XXXX, I have a checking account with the XXXX XXXX 
They're withholding XXXX XXXX and XXXX XXXX, around that. XXXX XXXX told me that she would help transfer the sum of XXXX Dollars, but I believe that she took the money because the banker told me that there is no transfer pending. I have tried calling, and emailing their support no response back or they would say they're working on it. XXXX reached out to me saying she would help she is trying to scam me, She has taken the sum of XXXX Dollars. Please get this resolved. They keep saying that they're working on it. XXXX said that she ordered checks, but we never received them. I called XXXX 's personal number, she yes this is XXXX from NerdWallet, When I told her my name she said no this isn't XXXX from NerdWallet. My account is always locked I have no access to my account, So I can not see the balance. I have XXXX 's information With her picture, Number work and personal emails. Please help get this resolved. The money has now been returned to my account, as I checked the balance on call via the automated system. They are still not opening my account, I emailed from a different ID the associate said Hi XXXX Thanks for sending the screen shot. 
Your account is associated with the email address XXXX, however. Your screen shot shows that you're trying to login with the address XXXX, so blocking your access to XXXX XXXX 's account seems to be expected behavior. 
Cheers, XXXX, I then told him No I wanted to ask you to unblock the Account associated with XXXX, I want to login and change the email to XXXX. I can not see my balance, or activity. I then said it from the XXXX, Hi, My name is XXXX XXXX. I can not see my account balance or activity. As I previously stated. I emailed you, or another associate, from the email XXXX. Please unlock my account as soon as possible. No response. I strongly believe NerdWallet is trying to scam me. I never get an response, or if I do get one they never resolve the issue. I have no access to my account, thank you very much.
Product: Debt collection

Ordered internet service from XXXX ( was XXXX XXXX ). They came out several times and I spent endless hours with IT people, but they could not get it to work. Three weeks later, I ordered XXXX service and called to cancel. I was led to believe any/all charges would be waived for the hassles. I had to go return the equipment. Since then, I was hung up on, transferred etc. They have now put $ 70+ on my credit report now and ruined my mortgage application/process. I finally paid it since I spent so much time trying to resolve this like a " normal '' business should. they turned it over to CBE Group which is their collections company. Account number XXXX and approval code CBE used to process my payment is XXXX. XXXX XXXX and service address was XXXX XXXX XXXX, XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

Hello! I need for Lexisnexis to contact the three credit bureaus that they illegally gave adversed accounts to bearing my name and likeness. I need them to ask them to delete the adversed accounts from all three credit bureaus. 
Thanks so much! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.
Product: Mortgage

I was affected by the National Disaster in XX/XX/XXXX, I was employed in a Federally Declared National Disaster Area due to the CA Wildfires. I had contacted Ocwen, the loan servicer at the time and requested disaster assistance, such as a modification. After several requests I was told to apply in XX/XX/XXXX. I applied, but never received a response, possibly because my mortgage was transferred on XX/XX/XXXX and the new servicer said my file was not yet updated. I dont understand why my loan was transferred at the same time that I was given a package to apply for disaster relief and a modification. I have requested to be considered several times, but the new servicer has no record of my previous requests. So much time has gone by and I have not received any response, any assistance and I have now been referred to an attorney for foreclosure proceedings. I requested assistance several times, prior to being in foreclosure, as a result of the disaster. I was in the process of applying and referred to an agent, at the same time that my loan was transferred. This has caused me to lose contact and the servicer to lose track of my assistance request. In a previous complaint, Ocwen incorrectly thought I was requesting assistance because of damage to the home, but I was requesting assistance bc I was employed in the Fire Area, which was not accessible and heavily affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point, I am being denied on my acquisition of credit due to the fraud.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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.
Product: Mortgage

I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/XXXX and I am yet to get a response Regarding this debt from XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXXXXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquires have been opened without my knowledge and consent and I want them removed immediately. 

XXXX XXXX {$440.00} XXXX XXXX {$7000.00} XXXXXXXX XXXX XXXXXXXX {$1300.00} INQUIRY XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi I had noticed excessive fees. One month it would be XXXX XXXX XXXX. I contacted XXXX Bank and went into bank in person. When I signed up for a savings account it said monthly fee up to XXXX Then every month I started seeing XXXX XXXX XXXX and money disappeared from like XXXX XXXX XXXX. I asked them to refund these fees and the Manger at branch refuses to contact me back. I can not get them to issue my money back for the excessive aggravated fees. I have no knowledge about the fees. I did the application online and no mention of the fee. I can understand fees but XXXX XXXX XXXX  that is excessive and unheard of. So please help me recover my money back from them. Fulton back fees are excessive and unheard of.
Product: Credit reporting or other personal consumer reports

Inaccurate data on my report. I faxed in the requested information and was told the freeze is still active and can not be removed as I was unable to be verified. I have included my verification documents with this complaint. 

Inaccurate information : Current and Only address XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX-incorrect Driver 's License Number and State First Reported ( Date/Time/Tracking # ) Last Reported ( Date/Time/Tracking # ) # of Times Reported XXXX  CA XX/XX/XXXX XXXX XXXX  EDT-Only information Correct XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX XXXX XXXX  CA XX/XX/XXXX XXXX XXXX  EDT-Incorrect remove XXXX XX/XX/XXXX XXXX XXXX  EDT  XXXX XXXX XXXX NV XX/XX/XXXX XXXX XXXX  EDT-Incorrect remove XXXX XX/XX/XXXX XXXX XXXX  EST Bank Name : XXXX XXXX XXXX XXXXnever held any account here remove Bank Name : XXXX XXXX-never banked here remove XXXXnquiries over two years old : Which Violates the XXXX  Date/Time/Tracking # Purpose Type Company XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT  XXXX Credit Application Online Payday Loan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Auto Loan Experian on behalf of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EST XXXX Credit Application Online Installment Loan XXXX XX/XX/XXXX XXXX XXXX EST XXXX Credit Application Online Payday Loan XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  EST XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EST XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX EST XXXX XXXX XXXX Online Installment Loan XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX EST XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EST XXXX Credit Application Online Installment Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Payday Loan XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Payday Loan XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Payday Loan XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Installment Loan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Payday Loan XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  EDT XXXX Credit Application Online Payday Loan XXXX XXXX XXXX
Product: Consumer Loan

Current HE Loan with Chase was coming to term. Property address is XXXX XXXX XXXX XXXX NY XXXX. We began the refinance of the loan if mid XXXX. Chase rep is XXXX XXXX XXXX XXXX XXXX. Chase was given all of the documents requested and that was fulfilled by XXXX. During the month of XXXX XXXX called to state there was a " missing payoff from when the original mortgage was with XXXX Bank which was taken over by XXXX BANK. She has contacted them and they found the loan was satisfied and will expedite the information to them. This will take 7-10 business days. '' She informed us that she is remaining in contact with them. On Wednesday, XXXX XXXX XXXX left a voice mail stating " TD has not sent the information they said they would. The existing balance of {$130000.00} is due from us by Wednesday XXXX XXXX and there is nothing they can do. '' When contacted and told we were never asked to obtain that document and in fact we were told we satisfied the request for all materials, she stated it is not Chase 's job to get the loan satisfaction and they were doing us a favor. 
I called TD Bank today and finally spoke to XXXX XXXX is mortgage servicing. He was extremely helpful. He stated there is no request from anyone at Chase and he even had his supervisors look into it. We placed a conference call to XXXX XXXX at XXXX and she did not pick up. XXXX XXXX left a detailed voice mail and told her to contact him asap and she could email her request since one is on file.
Product: Debt collection

I have asked this company to contact me on my personal cell phone after XXXX, twice. I can not take personal calls at work. I have spoken to a woman and a man & have stated this to XXXX them. I have received a phone call from this number everyday with an automated voice mail. The company is global credit and collections corporations XXXX
Product: Credit reporting or other personal consumer reports

XXXX is purposely keeping my credit score low by reporting my capital one auto loan that is paid off as past due. The account has been paid off since XXXXXXXX XXXX XXXX  and they repeatedly keepmarkinngit as not more than two payments past due when its reporting a XXXX balance. The vehicle was a total loss and completely paid off by my insurance company.
Product: Bank account or service

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the US Bank and did not receive a response. This bank account which was opened online fraudulently in my name was not opened with my knowledge or consent and was not opened by me. Currently it is the only item being reported on my XXXX banking credit report. When this account was opened it was opened in a state I did not even live in.
Product: Debt collection

I spoke with Midland Credit Management several times and i told them to dnc my number and my family, but they continued to call me more than once a day and they have contacted my wife which is not authorized on the file and they discussed my finance with her without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

RGS has continuously called me using abusive language to collect an alleged debt of {$11000.00}. They have sent a bill on XX/XX/XXXX and after to collect this alleged debt after repeatedly being asked to stop. A letter has been sent on XX/XX/XXXX XXXX for cease of such collection of this alleged debt with no response from RGS however RGS continues to report negatively on my credit report. After more than 60 days this company has not responded to either letters asking this company to send proof of this alleged debt or to cease collection of the alleged debt. They are a burden on my life causing me great XXXX and XXXX in which I have had to seek medical attention for.
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 USC 1681. 

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 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 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.
Product: Credit reporting or other personal consumer reports

I wanted to lift a credit freeze I have on my account and the phone number they have is not by current phone number. I called their customer services # and at the direction of their attendant went through their on-line self-help 2 times and was not able to get them my right number. The third time I called I kept asking to speak to a representative which I believe could have resolved this very quickly, their system would not allow me to speak to a representative at all and finally hung up on me. There does not seem to be any recourse to solve any problems with them unless you want to send them letter and mail it through the postal service. I did not see any email address for customer service.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.