23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX. 

* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX. 

2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm. 

* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX. 

* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX. 

Why is there a property inspection charge on my account? 

This means that a vendor entered our property opposite of our Loan Modification? 

New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017 

I do not know what and/or any damages were made to the renovations we completed at this time? 

* M & T Bank has entered our property without notification. 

* M & T Bank has changed the locks to our property restricting access to our home. 

Will XXXX XXXX, the attorney for M & T Bank, explain what is going on? 
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering. 

I am waiting on a response. No one from Modification has responded to me on what is going on
Product: Debt collection

A debt I owed to a health club was included in my bankruptcy. The debt was listed as being " in collections '' on my credit report, so I filed a dispute and the account was removed from my report. A few days ago I received a bill from a different collection agency still attempting to collect the debt. Again, the debt was included in my bankruptcy and I do not owe it.
Product: Credit card or prepaid card

On XX/XX/2023, I received an alert that there was a {$330.00} cash advance on my Chime XXXX credit builder card. I reported the transaction as fraud to Chime to support and locked my card and changed my pin. Since then I have called and emailed Chime with no help. I have gone to the merchant and they called Chime directly to report it was a fraud and gave them the contact information to call the merchant back to confirm. Chime has continued to state that the transaction is valid and I need to pay the {$330.00}. I contacted the merchant to see if they were contacted by Chime and they confirmed they hadn't been. It has been a financial nightmare and I believe my card Chime XXXX XXXX was skimmed and used at this merchant 's atm. I have asked Chime XXXX to request the pictures from the atm and they have not. I asked Chime XXXX to contact the merchant for proof of the transaction and they have not.
Product: Credit card or prepaid card

I have a gift card from VanillaGift.com. Someone is stealing my balance of XXXX. I called vanilla gift ( XXXX ). They told me there was no way to stop it. 

I was given the following info about the purchase : XXXX XXXX  XXXX ( XXXX ) New York. I contacted the XXXX but they had no info. I called the number but the line had a busy signal and then cut-off. 

VanillaGift will not refund my money unless the charge doesn't go thru. I was told I can file a dispute after 7 days, but there doesn't seem to be an actual path to resolution. 

I checked my balance twice today and it was XXXX I called them because on of my charges with XXXX was declined by Vanillagift. I tried 3 times to speak to a representative. I finally got thru at about XXXX ( Pacific time ). It took almost an hour. 

Today was the first time I have called VanillaGift to get my card balance. I don't think it's a coincidence that the card was hacked after I called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion over the phone about a fraudulent inquiry, from XXXX XXXX XXXX, they refused to look into this issue. The lady over the phone was very rude and told me that I wasn't a victim of fraud.
Product: Credit reporting or other personal consumer reports

They said I have applied to a secure loan with them but I never have applied for any loans and never have made a payment on the account. I asked them to validate this account by sending me all the information that I need in order to validate and they never did. In addition, they continuously reporting such accounts to the credit bureaus. Specially Experian that in going agains the law with the charge off accounts. I know my rights that every charge off accounts after written off they should sent me a 1099c I could filled for taxes but they never did.
Product: Credit reporting

I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.
Product: Credit card

On my XX/XX/XXXX US Bank XXXX XXXX Visa card Statement, I notice XXXX unauthorized fraudulent charges made totaling {$18000.00}. 
I immediately called the Bank to initiate a " Dispute ''. They said it takes about a month to resolve it? On my XX/XX/XXXX Statement I noticed on XXXX all XXXX fraudulent charges were recharged. I called US Bank again they said they would reopen the " Dispute ''. On XX/XX/XXXX XXXX XXXX sent me a letter saying " previous decision remains unchanged '' denying my claim. I called in again and asked who might this " fraudulent person '' be? 
She said someone named " XXXX XXXX '' called US Bank & requested a New Visa card mailed to a California address, not my XXXX, AZ address. 
Then called in again on XXXX XXXX, XXXX asking if the Card can be used? 
XXXX XXXX for One week, there were XXXX fraudulent charges totaling {$18000.00} made " in person '' in California cities XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I set up " Fraud alerts '' by text & email, but never got any from US Bank. I made {$180.00} + {$540.00} interest only payments. including more payments due? What do I do now?
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and regrettably, I have been targeted by identity theft. An individual attempted to secure an auto loan using my identity without my consent. I urgently request the removal of these unauthorized inquiries from my TransUnion report. 

As I did not authorize these inquiries, they must be promptly removed. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are required to investigate disputes within a 30-day period. If the information can not be verified within this timeframe, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries listed below require immediate attention : XX/XX/XXXX Your prompt attention to this matter is greatly appreciated. 

Greetings, I am XXXX XXXX, and unfortunately, I have fallen victim to identity theft. An individual attempted to secure an auto loan using my identity without my authorization. I urgently request the removal of these unauthorized inquiries from my XXXX report. 

These fraudulent inquiries, listed below, must be promptly removed, as they violate my rights. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are obliged to investigate disputes within a 30-day timeframe. If the information can not be verified within this period, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries are as follows : XX/XX/XXXX Your immediate attention to this matter is greatly appreciated. 

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

I reiceved a notification indicating that I had a deliquent account past due with Capital One. For reference, I have almost XXXX payments I have made on time over the past 7 years. After navigating the complicated hoops of reaching an account rep with my bank they placed a freeze on the account and let me know they would be conducting a 90 day investigation.

I don't have 90 days. I had hopes of pulling lending for a home purchase in the next 3 months. My credit score dropped by XXXX points as of result of Capitals one negligence to have sufficient fraud detection in place. I only say this because of the following evidence I discovered when pulling my credit report online from XXXX. 

When I pulled my report, I noticed an address to an apartment in Washington XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX to be exact. I can provide this document if needed. This indivdual had opened an account using my credentials in some way and had been using a credit card since XX/XX/year>. What is concerning is the fact that Capital One allowed a card to be opened under my name, yet never updated me or looped me in on this fact. My online Portal does not show this account. The Capital One rep told me that this account was registered under my number to! I did not recieve any notification indicating this either. 

This matter has thrown a wrench at my plans of a home purchase and at my perfect payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX  business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a case filed against me by XXXXXXXX XXXX  for XXXX  was disposed of and no balance was due or required of me. I was told to vacate the apartment and I complied. 
On XX/XX/XXXX I was notified via email from XXXX ( Fair Collections & Outsourcing of XXXX XXXX, XXXX ) that a balance of {$2500.00} was being requested of me from XXXX XXXX I immediately disputed this balance. 
On XX/XX/XXXX, I was notified of my dispute being received via email. 
On XX/XX/XXXX I received an email from XXXX with an attachment of a document that stated that my debt was verified and attachments of billing from XXXX XXXX
Product: Debt collection

I started getting calls from debt collectors stating that I owed money for various credit cards. The credit cards were from XXXX, XXXX XXXX, XXXX, and XXXX. I was extremely confused but they threatened that if I did not pay the debt then it would ruin my credit score. Of course, out of fright, I decided to start making payments on these large bills. Most of the bills were over {$1000.00}. So i tried to settle the accounts as much as I could. Upon moving across the country, I did n't have a job, so the debt collectors called me again and threatened that I had to pay and if i did n't then all of my payments that I made previously would not even matter. They would hand the account off to another debt collecting company and I 'd have to start all over. I am at my wits end. I have tried to pay but this debt was not mine to begin with. Around 2012, I dealt with identity theft and had to switch banks and take several steps to make sure my money was protected. Now, I 'm dealing with it all over again. My credit score is in the pits and I can not take out any loans for school or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX  I have informed the consumer reporting agencies XXXX Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

So on XX/XX/year> and XX/XX/year> i have 2 hard inquiries that are not mine one from XXXX XXXX  and another one i don't even recognize the name of the company and this is not me
Product: Credit card

I am enclosing documents for your review. I urge the bureau to start an investigation into these accounts, as I am never late but am being inaccurately reported.
Product: Credit reporting or other personal consumer reports

A checking account was opened on or about XX/XX/2004 with XXXX. A balance of {$1000.00} is being reported to Transunion as a Collection/Chargeoff. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX and Transunion never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Transunion is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither Transunion nor XXXX have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.
Product: Credit card or prepaid card

I was married and my husband had opened this credit card on Bank of America in my name, transferred debts to that account and over one year managed to pay the entire debt without any missed payments or anything like it. Last month I was planning to use this card for the first time but while checking the app, there was no information about the account. Once I called the bank they told me the account was closed two days before, denying me an explanation or any information related to this account. I`m aware about my negligence related to my ex, what is being addressed in court. Now this unilateral decision of Bank Of America without any warning or even opportunity to revise the matter has caused damages on my credit and life in general. is absurd having this kind abrupt changes without justification.
Product: Money transfer, virtual currency, or money service

CashApp closed my account alleging " activity that goes against [ their ] Terms of Service. '' When I attempted to appeal this closure as the " Learn more '' section described I was told it would be investigated and take " up to XXXX  days ''. After that time had passed I reached out again and was essentially told to be patient and wait. Thousands of others online have posted similar concerns. Clearly no resolution will be reached through this process.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX. LVNV Funding LLC XXXX. LVNV Funding LLC XXXX. XXXX XXXX LL Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Offered {$200.00} credit when achieve {$2000.00} in charges in three months. Was shown if I used the new card in an airline ticket purchase (  which I did ), the actually amount of the Ticket cost of would be {$200.00} less. There was also an offer for air miles to be credited. Just called the cc to ask the status of the credit and I was told I didnt have that as an offer on my card account.
Product: Checking or savings account

This is in regards to my debit card with PNC. My card was recently lost or stolen and numerous fraudulent transactions appeared on my account. I filed a dispute with PNC and was denied because they said that there were transactions posted after some of the disputed items that I did not dispute. If I did not dispute them, then it was done in error. There were many transactions and they only allow you to dispute 9 at a time. So I actually had 3 separate claims because of this. Apparently I missed some. The person on the phone told me to dispute the items again, which I have done. Now, just to be sure theres no confusion, I am attaching a screenshot of EVERY TRANSACTION THAT IM  DISPUTING. The transactions include the ATM withdrawal on XX/XX/XXXX for {$500.00}, the XXXX XXXX transaction on XX/XX/XXXX for {$4.00}, and EVERYTHING IN BETWEEN. Also, there are numerous ATM fees.
Product: Debt collection

Hello my name is XXXX XXXX and I am trying to dispute a Debt Collection on my credit report. This week, I noticed there was a Collection started XX/XX/XXXX from Amsher Collection Services to XXXX for {$74.00}. I previously had XXXX XXXX until I joined with XXXX on XX/XX/XXXX. After calling the store of T-Mobile today XX/XX/XXXX they told me I had a debt of {$74.00} opened on XX/XX/XXXX for an Activation fee I was unaware of and on XX/XX/XXXX I had transferred my phone number and services. At the time of this event I was coming back from being Active Duty stationed overseas and I was unaware of this charge of {$74.00}. Is there any possible way to get it removed or cleared since I was unaware of the charge? Thank you respectfully.
Product: Credit card or prepaid card

JP Morgan Chase sent me a XXXX form reporting Other Income of {$800.00}. When I called to inquire for an itemized summary or year-end summary of how this {$800.00} was derived and what from, I was continuously transferred ( 7 times ) to multiple departments where no one could give me an answer ( XX/XX/XXXX ). I am ASSUMING this might be from points that were transferred to XXXX XXXX for hotel redemptions but no one can confirm or deny this. If a large bank is issuing Federal tax documents and reporting to the government, the bank must be REQUIRED to also provide an itemization of the said value of which they are reporting and claiming to have given. A quick summation of during XXXX you redeemed XXXX points valued at $ XXXX $ XXXX which is what is being reported on the Form 1099-MISC would satisfy all questions XXXX For the consumer to just take Chases word for the income they are reporting with XXXX documentation of what was received in exchange is ludicrous. I want to know specifically what I received ( specific # of points valued at what amount ) that prompted a reporting of {$800.00}. This needs to be fixed for ALL customers who receive this form from Chase.