23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX  - Account XXXX
Product: Mortgage

Chase Bank misapplied my mortgage payment again! It occurs every six months, as I have an ARM and when it changes, Chase 's computer goes to default, and makes XXXX payments, rather than applying the payments to additional principal. This has occurred twice a year for 4 years, and they always state they have fixed the issue. They are hoping I wont catch this behavior, so they will make more money!
Product: Mortgage

XX/XX/XXXX I received a response from CFPB complaint # XXXX A closing error by Title Agent missed a debt to paid that was clearly on the Settlement Statement. This error caused garnishment of my ssi since XX/XX/XXXX to present. 

The response from the complaint confirmed XXXX XXXX  error was made XX/XX/XXXX. Since receipt of response no action has been taken to correct the error. In the response they stated they would reach out to HUD to stop garnishments, as a courtesy reach out to me to make a arrangements for reimbursement of garnished funds. The garnishment has not stopped and I had to reach out them XXXX, XXXX several times, in regard to the courtesy reimbursement. In the interim, SSI withheld XXXX checks for XXXX because I had exceeded the earning amount in XXXX, ( had to go back to work after retirement, to recoup funds withheld ) which coincidentally was the amount garnished by HUD collections XXXX I notified the lender the loss of ssi and they requested proof. I supplied the proof and waited XXXX weeks to be advised that I would only be reimbursed for the ssi withheld- with a check for the months of XXXX XXXX, causing financial hardship once again! l was unable to pay my bills for 2 months. This week I reached out requesting XXXX - XXXX reimbursement, to no response. It has XXXX XXXX years for the Lender to address and confirm this error. Which does not comply to the timeframe the issue should have been addressed, per their disclosure. Negligence by the Lender has literally put my life in a standstill! It has caused mental and emotional stress, loss of family time and has controlled my livelihood. The value of my home has gone up significantly and I am unable to refinance. They are not complying to their own disclosures on statements. They have been Negligent in addressing my first inquiry made in XX/XX/XXXX. Breached their duty to me the Consumer and have been DECEPTIVE. 
Deceptive = Title Claim was filed XX/XX/XXXX and they were not forthcoming until XX/XX/XXXX.
Product: Debt collection

I requested a credit report due to suspicions of fraudulent activities. I found two accounts with adverse information. One is from XXXX XXXX, with the loan type being RENTAL AGREEMENT, from Georgia, a state in which I've never been to nor have any financial dealings with. The other account is from Security Credit Services, a collection company with the original creditor being XXXX XXXX none of which I've even heard of. I believe this is the result of identity theft, and would like the situation to be resolved as soon as possible.
Product: Checking or savings account

XXXX ) On XXXX  XX/XX/year>, Transfer of XXXX $ to another bank denied. 
XXXX ) On XXXX  XX/XX/year>, Credit card payment of XXXX $ is denied because savings account is frozen. 
XXXX ) Text XXXX goldman sachs support on Monday XX/XX/year>. No help but told to call XXXX XXXX ) Called XXXX on XXXX  XX/XX/year>, No reason given but account has flag and under security review. 
XXXX ) Called XXXX on XXXX  XX/XX/year>, No reason given but account has flag and case was created for security review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Checking or savings account

So basically my online access is blocked they wont give access to it and are trying to close my account for no reason I have kept my account good no issues please so can you guys stop them from closing my account
Product: Vehicle loan or lease

This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value. 

Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX  several times with Experian and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.
Product: Debt collection

I have on my credit report that I owe a balance of over XXXX to XXXX XXXX XXXX to an apartment complex that I never lived in, I have never lived in XXXX XXXX XXXX so this debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX Visa Credit Card is lost/stolen. The card over limit balance of {$3100.00} is all fraudulent and unauthorized transactions due to my XXXX/XXXX visa credit card being lost/stolen. The balance of {$3100.00} is all fraudulent transactions that dont belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018.
Product: Checking or savings account

Per USAA, on XX/XX/2018 an individual was able to access my USAA.com account and added an account that they would later use to transfer funds out of my savings accounts and into it. On XX/XX/2018, my account was again accessed and {$4000.00} were transferred into my savings account from an old linked account from another financial institution ( which that account was no longer active ). USAA 's policy is to make those funds immediately available and the individual that initiated the transfer then moved them out of my savings account to the account that they added on the XXXX. On XX/XX/XXXX we received a return of funds and an insufficient funds fee when USAA realized the that there was no funds in the account where the original transfer was requested. Upon seeing that I was overdrawn on XX/XX/XXXX I contacted USAA to report that their was fraudulent activity in my account and USAA started a fraud investigation. Their response came back that there was no fraudulent activity and they claim this by stating the funds transfer was conducted by someone that was logged in under my credentials. 6 weeks later I am still battling with USAA and I am getting no help from them with regards to what I need to be able to provide to them to help plead my case.
Product: Mortgage

Wells Fargo processed a re-fiance on our original mortgage which was in XXXX- they ( WF ) contacted us directly. When the banks received their bail out money from the government ; instead of contacting customers who were behind on their mortgage and in foreclosure- they called us. We were never late with any of our payments starting in XXXX, in fact I even made additional principal only payments to the loan. To be very clear we had no problems paying our mortgage in XXXX - we didn't even qualify for a XXXX loan in XXXX because we were not " upside down with the loan to value '' The big trick of all here is that we didn't even find out what Wells Fargo did until we fell behind on our mortgage in XXXX were Never told, Nor was it was never disclosed to us that this was a XXXX loan. I called XXXX directly and that is when I found out what really happened in XX/XX/XXXX when Wells Fargo lied to XXXX XXXX & Us. They passed this loan on to XXXX XXXX and never looked back. I received a {$50.00} check in the mail from Wells Fargo ( Which I did NOT sign ) it stated that our account was identified as an account that was effected by an ongoing investigation. In XXXX - to today which is when we really need Help & Thanks to Wells Fargo & this XXXX  Trap - This is a 1 per lifetime & even though WF admits to non disclosure, they have refused to work with us so we can keep our house. To make things even worse I was involved with 2 horrific auto accidents that I still suffer with chronic pain today. The 2 motor vehicle accidents were on XX/XX/XXXX & XX/XX/XXXX I am at a total loss - I have no idea why they are allowed to get away with their actions
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting to my Transunion credit report ... ..I 've attempted many times to explain the situation that these aren't my inquiries nor are they attached to any active accounts of mine ... .However Transunion insist that I mail in meaningless letters that they never respond to disputing these inaccuracies. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed some hard inquiries that I do not recognize or were made in error. According to 15 USC 1681B a credit inquiry may only be made under certain circumstances and for permissible purposes. Additionally, under 15 USC 1681i, I have the right to dispute inaccurate information on my credit report. The following hard inquiries were not authorized by be and I request that they be removed from my credit report immediately. 

Disputed Inquiries : 1. XXXX XXXX  XX/XX/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  XX/XX/XXXX I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number XXXX ), filed on ( FTC Complaint XX/XX/XXXX ). 
After reviewing my recent credit report. 
Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 



I have identified the following inquiries that I do not recognize or authorize : 1. XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report it was also was sent a credit report by TransUnion The report number for the credit Report # Is ( XXXX ) date issue was XXXX. Transunion, XXXX XXXX late payment XX/XX/XXXX, XXXX XXXX XXXX late payment 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- are violating my consumer rights by reporting late payments for the that they have not proved to be verified as accurate. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. I have posted the date associated with these late payments next to the name of the creditor. Once again I have always ensured that payments on this accounts above are made and were made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.Company information
Product: Credit reporting, credit repair services, or other personal consumer reports

I confirmed with the credit card holder that I was removed as an authorized user on XXXX XXXX. Ive filed three complaints with Experian since I was removed as an authorized user yet theyve not removed this from my credit report. The complaints were filed on XX/XX/XXXX and XX/XX/XXXX this year.
Product: Checking or savings account

When I set up XXXX business accounts in person at a Bank of America ( BoA ) location, I was told that the accounts were linked and that in order to not be charged fees I needed to maintain a {$5000.00} balance between the linked accounts. Despite telling me this, BoA started charging me fees, so I called and spoke to a BoA rep on XX/XX/XXXX, and they waived the fees, and explained to me that I needed to keep a minimum of {$3000.00} in each account to waive the fees. I transferred {$3000.00} into each account to ensure the accounts would not get charged fees. I do not use the accounts so I did not check them until XX/XX/XXXX. When I checked them, I see that BoA has been charging me {$16.00} a month fee for each of the XXXX accounts ( {$32.00} a month total/ {$540.00} total across the XXXX accounts ). I have called BoA twice now to resolve the issue. The first time I was told that a supervisor would need to refund the fees and that a supervisor would call me back, but no one called me back. The second time, the agent hung up on me and did not bother to return my call. 

Attached are XXXX notices from BoA that emailed me to discuss the fees on the account. They note that I need to maintain a {$3000.00} daily balance to avoid the fees, which I did, but they still charged them to me. I have not received any other notices of fee changes from BoA. I have checked their " online communication center '' for the accounts on their website, as well as my email and mail. It is illegal for BoA to charge me fees when I did what they told me to waive the fees. It is criminal that I have to continue to waste my time calling BoA to get these fees back.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Date open : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for loan online when I called they denied my request mean while my credit took a hard hit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the 2015 OPM data breach as well as equifax 's 2017 date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$13000.00} ; 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: Bank account or service

I have a XXXX savings account at Bank of America. They charge me a fee of {$2.00} every month. I have raised three tickets asking them for an explanation but they do not bother to respond. First ticket XXXX was raised on on XXXX XXXX, second ticket XXXX on XXXX, and third ticket XXXX on XXXX. They just close the tickets in their system as 'resolved ' without bothering to respond. My questions to them are - where did I authorize you to deduct this fee every month? For how long are you going to deduct them? How can I avoid this fee?
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO XXXX AND EQUIFAX AND MULTIPLE OCCASIONS TO REMOVE THE FRAUDULENT ADDRESSES, NAMES, PHONE NUMBEERS FROM MY PERSONAL CREDIT FILE. I HAVE CONTACTED THEM ON MULTIPLE DATES, MAILED IN LETTERS, AND CALLED THEM. THIS IS FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED FROM MY CREDIT. I AM ASKING THAT ONLY MY XXXX NAME & ACCURATE AND CURRENT ADDRESS BE LEFT ON MY CREDIT FILE, PLEASE DELETE ALL OF THE FOLLOWING INFORMATION 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: Mortgage

I fell behind on my mortgage due to loss of income and my monthly mortgage payment went up ... i 've tried a loan modification many times but unsuccessful. i 'm so far behind that there 's no catching up ... i have to do a shortsale.. i have an offer on the property and there is an active shortsale but my lender tells me that they needed to have the offer at least XXXX days prior to the sale date in order to postpone the auction. the auction is scheduled for XXXX XXXX ... i need a little more time please. thank you.