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

On XX/XX/XXXX I was trying to purchase a car for my son via XXXX. I thought the person I was talking to was the person I knew. They told me they had multiple people wanting the car and to secure it a deposit of XXXX was need so I made the transaction through XXXX when I realize like 30 minutes later I was scammed I called the bank to dispute it. First I spoke to someone close to XXXX XXXX the same night and they told me the money would be back by the end of the next day if not to call back so I called the next day and someone to me I had to submit a claim to chase when I did the claim they emailed me back saying they cancelled my claim. So I called bank again and a representative told me I had to call XXXX and make a claim or dispute so I XXXX a number for XXXX and called so when they answered they knew my name and information and ask if I was calling about the {$500.00} XXXX transaction I said yes, then they told me I had some pending transactions on XXXX since they had gotten me through XXXX. They told me they owned XXXX and XXXX I asked for a name, ID number and they provided that information so I thought it was XXXX, They ask me to down load an app and no one could see information but myself then they asked if I knew of someone trustworthy to XXXX the pending transactions they had on their end and the person would send it back. I sent my daughter XXXX XXXX XXXX and she sent it back then they told me I had one more pending transaction for XXXX I sent it to my son and he sent it back so when i went to check my bank account they had done unlinked my debit card and my money was gone and the phone hung up. I immediately went to the bank and the tell called did a claim they said once it cleared they would deposit money back. It was a Thursday I went back Tuesday it was a different outcome they wouldnt put the money back because it look like I made the transaction on XX/XX/XXXX. I have been going back and forth for a manager since the XXXX of XXXX. He finally called XX/XX/XXXX because I wanted his supervisor. If they would not hVe told me to contact XXXX this would not have happened
Product: Checking or savings account

Wells Fargo owes me big time. They continued charging my account {$12.00} per month even though I had the funds. They would acknowledge the system error but not give me a refund. I had my account for many years and was sad to close it because my goal Was longevity. They didnt seem to care. I kept my savings account open and now I see account service fees being charged although I have the funds. This just happened yesterday. Of course you cant simply dispute or email, you have to call in and wait an hour to get whats rightfully yours back. I never knew I could despise a bank from stealing from me because Im just a poor woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIEVE ANY RESPONSE.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account XXXX : XXXX XXXX / XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX Account Number : XXXX XXXX / XXXX Equifax XXXX Account XXXX : XXXX XXXX / XXXX Equifax XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Account Number : XXXX XXXX XXXX XXXX Equifax XXXX XXXX Account Number : XXXX XXXX / XXXX Equifax
Product: Mortgage

I requested for paper billing statements XXXX, XX/XX/XXXX from specialized loan servicing customer care XXXX XXXX XXXX. Called on XX/XX/XXXX, XX/XX/XXXX. Each time the customer care said they will send paper billing statement. 
But the company did not send until now. 

I then called XXXX XXXX XXXX XXXX XXXX XXXX. It goes to voicemail, which says they will call back in 24 hours. Called on XX/XX/XXXX, XX/XX/XXXX, requesting paper billing statement for the month of XXXX, XXXX, and XX/XX/XXXX. But no one called back. 

I did not get any paper bill statement for XXXX, XXXX, and XX/XX/XXXX. 

The same thing happened when they did not send paper statements for the month of XX/XX/XXXX, XXXX, XXXX, And XX/XX/XXXX. 
I send a complaint to CFPB complaint ID XXXX on XXXX XX/XX/XXXX. Only after you contacted Specialized loan servicing, did they send the paper statements informing the issue was due to system error.
Product: Credit reporting or other personal consumer reports

Bank of America has been checking my credit causing hard inquiries and theyre all over my credit report. This causes delays and my credit to drop. After further review of my credit report they have illegally checked my account and I have no accounts with Bank of America.
Product: Credit card

The account that was open with NORDSTROM CARD SERVICES has the incorrect name, phone number, email address and address. Also the credit card was open online I have contact Nordstrom notifying this is due to identity theft. I have filed a second law enforcement report with XXXX XXXX police department with the information provided. 
I have provided Nordstrom with the correct information Name, address, phone number and email. That is how they were able to provide this information they provided that it did not belong to me. Since all the information they have is incorrect and it does not belong to me.
Product: Debt collection

Dynamic recovery solutions sent me a letter XX/XX/2019. Attempting to collect a debt that is not mine.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly. 

See documents attached
Product: Checking or savings account

XXXX XXXX I received a fraud alert from somewhere in XXXX ( I live in XXXX ) asking if I was XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I replied XXXX, I received another message saying it would be blocked. 
A few minutes later I checked my email and there had been a login from another device also in XXXX ( XXXX ) to be exact. I tried getting in my acct.and my credentials didn't work I called Chime and told them what was going on and they assisted me in getting in my account. 
When I recovered my account I saw where my money had been moved around and XXXX pay anyone transfers had been made to a XXXX XXXX XXXX for {$2000.00} and XXXX for XXXX both for rent. I do not know this person or the other number where money was moved around and then added back to my account. I provided all of this documents to chime and claim has been denied 3 times already. 
I do not nor have I ever paid rent using this account. Also after responding NO on XXXX for XXXX XXXX XXXX XXXX that money came out and overdraw my account.I also disputed that and it also was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with HSBC credit card services ... ..one of which HSBC for some reason showed I had a XXXX balance online for several months, only to reportit as charged off, in which I contacted them to inquire, and they made an error on their part, and said they would fix the credit report error and restore the account so I could continue making payments. I attempted to log in and was unable to setup payments, sent them an email, only to have them AGAIN report it on my credit as a charge off. Contacted them AGAIN, only to have them admit error again, and they would correct everything, in which they sent me a response issue was fixed, I log in to my account to attempted to make a payment AGAIN, and unable to do so, and I send them another email advising I'm unable to setup a payment online, and a few days later, again they reported a charge off on my credit report ... ..to which I sent them an email, and haven't heard back at all.. 
I have all email correspondence, screenshots showing the balance was XXXX for several months, and screenshots showing records on the same account showing it was charged off three times within 6 months. I'm currently seeking legal counsel as this has impacted my ability to apply for credit to purchase a home, and caused multiple credit cards to increase my interest rates, causing me further financial stress, which has caused stress, resulting in XXXX XXXX XXXX and several trips to the hospital with the cost of prescriptions, and potentially damage to my long term health as a result. I don't care how many of the best lawyers they have, I will unleash this information on every media outlet online and post names of the individuals from emails who said they would fix the issue but failed to over and over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a loan through XXXX XXXX XXXX on XX/XX/2021 which affected my credit score. The company called to question this and declined the loan but it still dropped my credit score. I want it removed from my credit report.
Product: Vehicle loan or lease

In the first week of XX/XX/2021, I went to make my final payment to BMO Harris bank by logging into my BMO account. In my BMO account, I was able to see how much was on my loan so I could use their express loan payment site to make the payment. I could no longer see the amount I owed, it was as if the account was closed as it wasn't showing on my screens anymore. Unsure of what my balance was, I tried to call BMO many times. I was out of the country at the time and tried to use their international number, but the number would never connect me to a representative and would disconnect. I contacted BMO via email and social media but never received a response. I have an email I sent out on XX/XX/2021 detailing my frustration with the company for not responding to my calls or inquiries and that I just wanted to make my final payment but did not know the amount I still owed. I emailed them consistently for the next following weeks, I was calling them on the international number, I even had my mother call and speak to them as well. They told my mother that they can not speak to her as she is not a user on the account and therefore she can't make payments, but I could add her as a user. I sent more emails requesting to add her as a user but I did not receive a reply until XX/XX/2021. I replied to their email with my mother 's information and requested the number to call to pay off the loan as well as the amount. I never received a response from them until eventually, my mother was able to get in contact with one of their representatives. This representative stated once I approved her ability to speak on my behalf and make the payment, she would need my mother to call her directly in order to make the payment as only she could make it. Once I sent the information with my mother 's details over email, my mother tried to contact this representative whose name I believe was XXXX or XXXX, but it consistently went to voicemail. My mother left many voicemails to make the payment but we were unable to get in contact with her. Eventually, I returned to the states at the end of XX/XX/2021, called BMO, and made the payment myself but at this point, the damage was done and they marked me as delinquent despite my many efforts to pay my final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had collections from XXXX XXXX  and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help
Product: Debt collection

I receive calls for a debt that I do not recognize and do not think is mine. When I ask on the phone for more information on the debt, for example origin, amount, or name and address of the collection agency on the phone with me, I am stone walled. When I ask for written proof of the debt, I have received nothing. 

But these calls persist. Every few months there will be a flurry of activity and calls, then it will go silent. This has been going on for about 8 years now. Ca n't I make these calls stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from XXXX or Equifax. I also sent in debt XXXX which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX DE XXXX support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should not be on my credit report as per 15 USC 1681 sec 602. accuracy and fairness of reporting 15 USC 1681 sec 605. no accounts placed for collection or charged to profit and loss which antedate the report by more than seven years 15 USC 1681 sec 607 No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : XXXX XXXX  - XXXX XXXX XXXX  - XXXX Listed below are the Public Record that are being challenged : Bankruptcy - Federal - XXXX Listed below are the Inquiry that are being challenged : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Mortgage

In XXXX of 2020 I started the process of refinancing my mortgage with NewRez LLC. On XX/XX/2020 the appraisal was ordered, which I paid. Since that day, I've heard from the mortgage company, maybe 2 times. I've called multiple times, left multiple messages, sent multiple emails to XXXX XXXX and XXXX XXXX with no response. Nothing, no call, no email. It's now XX/XX/2020 and still nothing. I have no idea what's going on with my refinance. They've already extended the lock in rate once, however, that was a month ago. I would like for someone to explain to me what's going on.
Product: Checking or savings account

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Customer Service Department Fifth Third Bank [ XXXX XXXX XXXX, XXXX, OH XXXX ] Subject : Request for Assistance with Check Fraud and Reimbursement of {$2500.00} Dear Customer Service Team, I hope this letter finds you well. I am writing to inform you about a concerning situation involving my Fifth Third Bank account. I have recently become a victim of check fraud, and I am seeking your assistance in resolving this issue and requesting reimbursement for the fraudulent transactions. 

On XX/XX/2023 I discovered unauthorized activity on my account involving a fraudulent check that were written in an error of employer and deposited with XXXX XXXX XXXX consent but was no funds in secondary account so XXXX XXXX XXXX accounts at fifth third has a lock and block on card. These transactions also have resulted in a loss of {$2500.00} from my account. I take this matter very seriously and promptly reported the fraudulent activity to the local authorities and obtained an official police report. 

I understand that Fifth Third Bank is committed to safeguarding its customers and providing support in cases of fraudulent activity. I kindly request that you initiate an investigation into the unauthorized transactions on my account and take appropriate measures to secure my account from further breaches. Additionally, I am requesting reimbursement for the full amount of {$2500.00}, which was unlawfully withdrawn from my account due to this fraudulent activity.

Please find attached copies of the relevant documents, including the police report and any other supporting evidence. I am fully cooperating with the authorities and am prepared to provide any additional information required to expedite the investigation.

I trust in Fifth Third Bank 's dedication to maintaining the security of its customers ' accounts and resolving issues promptly. I kindly ask for your assistance and support in this matter. I believe that with your expertise, we can swiftly address this situation and ensure that I am rightfully reimbursed for the unauthorized transactions.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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