23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX
Product: Payday loan, title loan, or personal loan

Money line extended a line of credit and which I paid on. Recently the payments were not going through no matter what type of account I was using. They blocked my checking account and they blocked my savings account to allow payment. I reached out and spoke to XXXX XXXX and which I have correspondence saved. Explain that I have change cards I have changed payment options in regards to checking and savings account and nothing was going through for payment. Previous to speaking to her I was transferred several times amongst representatives because nobody could help. Overall I believe I was denied payment and they accelerated my loan and sent it to the credit bureaus for charge off. They were very rude to me and then nothing in regards to allow me to speak to XXXX XXXX directly via phone call. She sent an email with a phone number and which I called and was never transferred to her. I was left with a charge off and XXXX on my credit.
Product: Checking or savings account

On XX/XX/2021, a person or persons unknown appeared in the SunTrust ( now Truist ) branch on XXXX XXXX XXXX XXXX. in XXXX XXXX XXXX, XXXX, where our accounts are ( we live in XXXX and spend winter months in XXXX ) and fraudulently withdrew {$10000.00} in XXXX transactions. XXXX withdrawal ( evidently by withdrawal slip and NOT a check ) was for {$4500.00} and the other for {$6200.00}. Nobody from the bank informed us about these unusual transactions. We first became aware of this when we received our XXXX statement in XXXX 2021. 

On XX/XX/2021 my wife and I notified Truist about the theft of our funds and their representative stated that an investigation would be commenced. Since that time, a period of more than a XXXX XXXX months XXXX Truist has repeatedly stonewalled us. XXXX XXXX XXXX of Truist, who ignored repeated voicemails and emails, finally responded when I sent an email stating I would turn the matter over to legal counsel. On XX/XX/2021, XXXX XXXX sent an email stating that " we are in the final stage of approving your claim '' and that the case was " nearing full resolution. '' These statements proved to be false, as we never heard anything further from XXXX XXXX, despite follow up email. 

On XX/XX/2021, I sent a XXXX XXXX letter, delivered the following day, to the CEO of Truist, XXXX XXXX XXXX and the XXXX XXXX XXXX, setting forth our claim and our frustrations. On Tuesday XX/XX/XXXX, I received a call from XXXX XXXX ( phonetic? ) of Truist, stating that XXXX XXXX and XXXX XXXX had received my letter and the matter would be " escalated '' and apologizing for how we had been treated. She claimed a check would be sent to us. That hasn't happened and XXXX voicemails to XXXX XXXX left XX/XX/XXXX and XXXX, 2021 have not been returned. 

Truist has teated us abominably. Over {$10000.00} was fraudulently taken from our account and Truist has not only not done anything about it, it has repeatedly refused to communicate with us, ignoring our attempts to find out what is going on.
Product: Checking or savings account

XXXX Bank. 
I contacted XXXX Bank to setup savings account. I provided all information necessary and they flagged my account for not being able to validate address. Once utility bill was provided they flagged account again because I changed my name ( marriage ). Followed up again, to setup account and they denied me because their system can not verify my identification. This is after I submitted SSN, SSN name change form, utility bill, drivers license, and other personal information. 

In review of XXXX Bank, other consumers have had the same issue where they collected personal information and did not notify consumers of valid reason of application status. I dont even have a status of approved or denied.
Product: Debt collection

I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Experian associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Experian has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA.

This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Debt collection

I was taken by ambulance after a slip and fall on ice and the company keeps billing me despite my insurance indicating all but roughly {$50.00} has been taken care of. I have called them numerous times disputing the debt and provided them documentation and they continue collection efforts. The amounts they try to collect also vary between {$800.00} and {$1400.00}. I have never seen anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home and the mortgage was with Ocwen Loan Services. The account is listed on my credit report as being late, when the home was sold and Ocwen was paid in full. I tried to work with Ocwen to get the matter resolved but had no luck. Can you please help.
Product: Checking or savings account

I deposited a check ( via the Chase phone app ) from a family member for {$16000.00} on XXXX XXXX. The funds were withdrawn from the family member 's account on XXXX XXXX. Chase initially placed a 3-day hold on the deposit and has now extended that to 10-days, until XXXX XXXX for no legitimate reason. I called Chase and they claim the XXXX hold is 'random for fraud prevention ' ( i.e. no specific reason to believe this check is fraudulent ) and they can not clear a check without phone verification from the issuing bank, in this case XXXX XXXX. According to Chase, XXXX XXXX  does not do phone verification, therefore they can not change their 10-day hold. When I protested this and asked to speak to a supervisor, they simply repeated their message and hung up on me! This is utterly absurd and fraudulent as Chase has ALREADY RECEIVED the funds from XXXX and is earning interest on the $ XXXX in MY MONEY they now have. The funds are already in Chase 's accounts, so why do they need to have XXXX verify by phone. This would make sense 30 years ago if the funds were in 'transit ' for a week, but in the current electronic banking era, this is just an excuse so that Chase doesn't have to pay interest on this deposit for XXXX. Across millions of accounts, this equates to Chase robbing millions of dollars from helpless customers. Please investigate this abuse of power and illegal theft by Chase. Thank you.
Product: Checking or savings account

My account had multiple charges that I didnt authorize.Ive disputed these charges with my bank and the fees were not reversed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} XXXX ( Original XXXX XXXX  ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX
Product: Debt collection

Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) Management company and registered agent for the HOA : Firstservice Residential Nevada XXXX at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX XXXX XXXX tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc.

We dispute the debt because neither we or our property management ( XXXX ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX XXXX contact as well. 

Thank you very for reading this and please help us.
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.In accordance with the Fair Credit Reporting act. 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.Possible Finance Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX
Product: Checking or savings account

I spent 2 hours on the phone with navy federal trying resolve a deduction from my account and supervisor after supervisor said I was wrong and made me feel like I was stupid and didnt know what I was talking about. It was only after the 3rd attempt that the supervisor saw the error and even then he threatened to hang up on me. If I wasnt persistent they would have taken my money. Im 5 month pregnant and the whole incident created undue stress
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from XXXX, Equifax, and XXXX and I noticed some late payments posted on my report. 

XXXX. XXXX XXXX XXXX Account number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account XXXX # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number # XXXX Your company ( s ) ( creditors and credit bureaus ) is in clear violation of the law. Under 15 USC 1681b-permisable purpose of consumer reports, The LAW CLEARLY STATES ( a ) 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. 
I did not give my written instructions to furnish these accounts on my credit report. 
Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) consumer report does not include ( A ) Subject to 1681s-3 of this title any- Report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report, the creditors and the credit bureaus are in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referred accounts and send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company, for which I will also be seeking {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance-616 Civil Liability for willful non compliance ( 15 USC 1681n ) By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681, you must complete this reinvestigation within 14 days of this receipt. I have included documents and my personal identification to prove my Identity and support my claim. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Last purchase I made with card that was authorized was XX/XX/2021. This was for an expansion game that was not released. 

My account was terminated so therefore could not make anymore purchases. Purchases after this was made using my card, however was under impression they were automatic charges. I reached out to company that charges were made to and they would not provide refund. I contacted Discover Credit Card and made a dispute. The dispute came back to someone else 's name on the charges. Opened up fraud claim due to this since I did not authorize these charges nor person who made charges. Discover said because I made a purchase with merchant in the past, that I am liable for all future charges.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

United Wholesale Mortgage is using a Financial Scheme/Mechanism to fraudulently OVERCHARGE my Escrow Account. 

United Wholesale Mortgage is using MISSAPLICATION REVERSAL in order to ARTIFICIALLY create the Escrow Advance of : {$3000.00}. 

My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX ( due to Covid 19 ). 
On XX/XX/XXXX went in effect the Loan Modification. 

United Wholesale Mortgage negligently or intentionally gamed/manipulated the payment system and falsely applied payments for the period my loan was in forbearance. ( without me making payments for that period since was in forbearance ). - please see evidence 1 & 2. 

More exactly, they applied {$1700.00} to my Escrow Account ( due date XX/XX/XXXX when my loan was in forbearance ) and {$1300.00} out of {$2700.00}. XXXX ( due date XX/XX/XXXX when my loan was in forbearance ) also to Escrow Account. - please see evidence 1 & 2 Here comes the " catch '' : On XX/XX/XXXX they have " performed '' a MISSAPLICATION REVERSAL ( " reversing the funds " ) and ARTIFICIALLY CREATED an ESCROW ADVANCE : {$1700.00} + XXXX = {$3000.00}. - please see evidence 3, 4 & 5. 

A fraudulently created ESCROW ADVANCE OF {$3000.00} was charged to my account. - please see evidence 4 United Wholesale Mortgage was invited many times to explain in writing the reason for ESCROW ADVANCE, to justify it, to provide proof of payment ( receipts, bank statements, wire transfers etc. ). - please see evidence 7 Moreover, they were invited to REFUND the money if they can not justify it and or/support it by requested evidences. - please see evidence 7 They NEVER offer a refund or justification or any supporting documents that will justify the Escrow Advance. - please see evidence 8 United Wholesale Mortgage declined/avoided to offer any explanation in writing as well. 

Is this fraud? Is my Escrow Account under intense assault by a mortgage company that is truly determined to defraud me? 

Why United Wholesale Mortgage is so speechless about it and no real investigation was ever made regarding this overcharges? 

The only thing I asked for was to stop abusing me, stop injuring me and refund what was abusively and unjustified was taken away from my account by someone in charged with my loan administration.
Product: Credit card or prepaid card

XXXX XXXX closed my XXXX XXXX XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.
Product: Credit card or prepaid card

I submitted a manual payment on XXXX to Barclay Bank in the amount of {$2500.00} that cleared on XXXX but today I've received another payment to Barclay from my checking account. This has caused my account to go into overdraft and receive late fees from other creditors. Only one payment is shown on the Barclay site.