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

On XX/XX/XXXX I called the bank only to be notified that they had frozen my account and after 50 minutes on hold they demanded I go to a branch to discuss why. I then received a call as I was driving from a branch in XXXX XXXX ME that they froze my account due to two deposits made at the end of XX/XX/2020 and one the first week of XX/XX/2020 from the State of Maine Unemployment. My husband 's company was furloughed for two weeks due to Covid-19 his claim was not fraudulent. We called the State to confirm as well as received a letter from his employer. The bank wanted nothing to do with it as they as processing their " own '' internal investigation. They first stated Unemployment contacted them which is a lie confirmed by Unemployment as well as the state level. They then stated XXXX XXXX contacted them again confirmed by Unemployment and at State level a lie that is not their process. They do not EVER contact banking institutions. I believe Keybank is conducting fraudulent activities that I demand investigation on. I have ZERO access to any of MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX again and I demand that the Credit Reporting Agencies take immediate action on this CFPB Complaint. Credit Reporting Agencies better remove all fraudulent accounts and information from my Credit File in compliance with the Fair Credit Reporting Act section 605b. I just got my credit report, and to my disbelief, there are still multiple accounts on there that I did not open nor have any knowledge of. Let me make this crystal clear - these accounts are fraudulent, and they need to go. I need the following accounts removed as soon possible : XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not authorize anyone to open these accounts on my behalf. It's pretty obvious that this is a case of identity theft, and I am currently taking measures to report this to the authorities. If the Credit Reporting Agencies have any evidence to suggest that the disputed accounts and information belong to me, I demand that the Credit Reporting Agencies present it to me immediately. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file.
Product: Vehicle loan or lease

They company will disable my vehicle when there was a agreement on file then they came to repo my vehicle after the payment was paid doing the time of arrangement I gave them there money an they still repoed the car an had me pay more to get it back
Product: Checking or savings account

There been some fraudulent transactions on my Wells Fargo for some XXXX transactions and Wells Fargo is basically saying I did it. They are being really scummy and not following fdic regulations. The person I was talking to was basically saying I did it and she was no help at all. There process is completely dumb they said because it was my name that they cant reverse it. And this is a huge sum the lady on the phone made me feel like she didnt even want to be on the phone with me and it felt like a chore to her! Unbelievable. And I still havent been credited and this is a huge sum. ( Update ) today is the XXXX and I tried to talk to someone and I ask to be transferred to the executive office and they laughed at me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XXXX ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, [ Credit Bureau EXPERIAN. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i.

Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : [ List any supporting documents you are including, e.g., copies of your dispute letters.
Product: Credit reporting or other personal consumer reports

XXXX continues to report the consolidated loans to the credit bureaus, while the loans are continuing to accrue interest and the balances continue to increase which is negatively impacting my credit scores and credit profiles. My latest credit bureau reports state that the balances on that consolidated loan balance has increased again. That solely decreased my credit score.

Here is what the US. Department of Education is saying about forbearance and interest on borrower defense approvals.

" Title 34, Subtitle B, Chapter VI, Part 685, Subpart D, Section 685.406 ( 1 ) Approval of a Borrower Defense Claim. If the Secretary approves the borrower defense claim ( i ) The written decision states the Secretary 's determination and the relief provided as defined in 685.401 on the basis of that claim.

( ii ) The Secretary places a borrower 's Direct Loans associated with a group borrower defense claim into forbearance until the Secretary discharges the loan obligations under 685.212 ( k ). If any balance remains on the Direct Loans not associated with the borrower defense claim, those loans will return to their status prior to the claim process. The Secretary resumes collection activities on those Direct Loans not associated with the borrower defense claim no earlier than 90 days from the date the Department official issues a written decision. No interest will be charged on the loans during the forbearance period. " Those consolidated loans are a part of the Borrower Defense to Repayment approved application and they are supposed to be discharged and the tradelines deleted from my credit profiles. While in forbearance and awaiting discharge they should not be accruing interest. Why is interest still accruing? 

XXXX XXXX
Product: Credit reporting

My credit car utilization was supposed to go up it did but my points went down instead of going up that 's an error and some of the creditors are being investigated there for with no change on my report except that I paid my credit card on time and my utilization went up it should have eather stag the same or gone up.
Product: Mortgage

In XX/XX/XXXX my mortgage was not withdrawn automatically as it had been since coming out of forebearance. I attempted to pay online but the system erroneously stated that I was more than 30 days delinquent and I could not pay online. I called and talked to a representative that helped post the payment and change the payment account to mine from my daughters for autopay starting in XXXX. I did this because my daughter is young and has XXXX XXXX XXXX and I didnt want her to have to worry about this. Thankfully I did because this month they have made this same false claim. This time stating that I was delinquent from the XX/XX/XXXX payment. Considering calling them was ineffective last month I posted the payment under bill pay from my checking account. 
This mortgage company has been harassing me in regards to insurance repairs from the XXXX floods. I had an inspection that passed at 100 % yet they constantly mail me letters stating that I havent completed the inspections. 
They went as far as to contact MSHDA who paid my forebearance and lied to them stating I havent completed the repairs but the MSHDA representative stated they confirmed my inspection passed at 100 %. Additionally, they sent me a letter to sign & notorize indemnifying them should any lawsuits arise in XXXX of XXXX. My daughter & I signed this letter, notorized it and mailed it in. I never received confirmation of their receipt. 
Nevertheless, they continually call me and send letters so I wrote them a letter respectfully requesting they stop harassing me over resolved matters regarding the insurance claim. Not only did they not respond to that letter they are continually harassing me and have now upgraded to lying about my mortgage being delinquent. 
I am a XXXX woman and the stress this has caused in my life is immeasurable. I pay my mortgage every month and passed my inspection at 100 %. 
They should not be allowed to treat people this way. It seems to me they just want to take my house because the value has doubled and they could make more money from repossession and future sale and that despicable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 4 months, XX/XX/2021, I've been trying to persuade Experian to re-insert and keep reporting two of my credit cards. They said that a notification was sent from XXXX about fraudulent activity, but XXXX still reporting my accounts as of today. 

XXXX PURPOSELY DELETED TWO OF MY CREDIT CARDS ACCOUNT WITHOUT MY CONSENT OR AUTHORIZATION. I SPOKE TO BOTH CREDITORS, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX AND THEY BOTH DENIED ANY WRONGDOING OR MISCOMMUNICATION WITH THE CREDIT BUREAU. UNEXPLICABLY, XXXX DECIDED TO DELETE THESE TWO ACCOUNTS, IN ORDER NOT TO HELP MY CREDIT RATINGS OR SCORE. THIS HAS BEEN A CONSTANT FIGHT AND ORDEAL, FOR ME TO BE ABLE TO MAKE THIS BUROCRAT CREDIT REPORT ACCURATE INFORMATION, FOR MORE THAN 6 MONTHS NOW. I HAVE NEVER SAID THESE ACCOUNTS WERE NOT MINE. WHAT I DISPUTED WAS THE BALANCES AND INNACURACIES THAT WERE BEING REPORTED.
Product: Credit card

I tried to make a payment to my secured card XXXX multiple times and suffered only error messages and was forced to submit payment that would post just after payment due date. 
I was subsequently charged a {$29.00} late fee that I do not deserve to suffer simply for trying to pay my bill and for paying my bill!
Product: Debt collection

Sent a dated letter to this company which including information needed to verify debt ( name, account #, amount ) and the company claimed I sent a " frivolous '' undated letter without specific enough information!! They also have the incorrect account number written on the response letter they sent back to me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$30000.00} Late/Open
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FRADUALENT INQUIRES
Product: Credit card

I am a dependent adult abused by one of Citibank 's employee named XXXX XXXX Branch XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. He asked for my credit card and then I went to buy something and the card declined. I did it again and it declined once more. He closed my credit card without my permission without any justification. My older XXXX and I always pay our bills right away. 

To make matters worse, I just go out of the hospital and XXXX XXXX made me sign some papers. As I got better, I wondered about what had happened. 

My attorney says I should go to small claims court and hopes that there is some kind of criminal punishment to make him look like he was doing well with my oldeXXXX XXXX and I at the bank. 

Please expedite ASAP. I have XXXX other legal matters to solve. 
XXXX XXXX will feel my wrath.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.
Product: Credit card or prepaid card

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft PENFED FCU
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inaccurate information on my account. The address on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX does not belong to me and is and has been hindering my ability to obtain credit. I demand that this inaccurate information is removed my account as Ive reached out several different ways on my occasions!
Product: Credit card or prepaid card

Discover Card called my workplace to ask if I was going to pay on time. I have already disclosed to them they are not allowed to call my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from TransUnion saying I have a delinquent showing in my fico score. I gave XXXX  a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but XXXX did not remove the delinquent from me fico score. I tried to call XXXX and TransUnion multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.
Product: Credit card

Date : XX/XX/2023 MY Name : XXXX XXXX my Address : XXXX XXXX XXXX, XXXX, GA XXXX Contact Information : XXXX Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX : On XX/XX/2023, I sent a remittance coupon to American Express to apply a payment to my account. The coupon was received by American Express on XX/XX/2023. However, American Express has failed to apply the payment to my account. 

I have contacted American Express customer service multiple times to resolve this issue, but they have been unable to help me. I am concerned that American Express is engaging in securities fraud by failing to apply my payment to my account. Additionally, American Express 's XXXX form states that the company has a responsibility to respond to debt inquiries promptly and accurately. American Express has failed to meet this obligation in my case.

In my statement it all states your statement and must be received by XXXX XXXX. local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX. will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars
and clearable through the US banking system ; and ( 3 ) include your Account number.

UCC Codes : UCC 4-207 ( a ) ( 2 ) : A payment is final when it is received by the payee.

UCC 4-209 ( a ) ( 4 ) : A payee is obligated to honor a payment if it is made in good faith and in accordance with the terms of the payment instrument.

UCC 4-402 : A payee is obligated to refund a payment if it is not applied to the correct account.
Remedial Action Requested : I request that American Express immediately apply my payment to my account and provide me with written confirmation of this action. I also request that American Express compensate me for any late fees or other charges that I have incurred as a result of their failure to apply my payment. 

Account number ending in XXXX amount sent {$23.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

Edit this section What happened? 

On XX/XX/XXXX I filled out an application on XXXX XXXX for a {$5000.00} loan for the XXXX XXXX. They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touched the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to Spring Oaks Capital for {$470.00} but Spring Oaks Capital can not produce any documentation with my signature on it. I called them to dispute the ownership of the {$470.00}. When I look at the credit report Spring Oaks Capital LLC says this loan came from XXXX XXXX on XXXX XXXX when it came from the XXXX XXXX. I have never done business with XXXXXXXX XXXX before. I have been fighting with them for over a year to get this taken care of. Neither company can give me a copy of the original contract for the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to get a XXXX XXXX account and also a secured card through a credit company, I found out there was different information on my TRANSUNION credit report. When I contacted TRANSUNION, they had my last name from a previous marriage over ten years ago and refuse to change it. They tell me to contact my creditors, even though I have never opened up an account or gotten a loan in my entire life. The only thing I have is medical debt, all acquired in the years of my current name. I am at a loss of what to do and can not improve or move forwards creating credit for myself. THEY REFUSE! They also had a previous address and I would have to send information in to fix, which is going to have the wrong name and get thrown out anyways. HOW IS ALL OF THIS NOT ILLEGAL?
Product: Debt collection

I incurred a bill at XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. The billing was incorrect in that about a {$9000.00} insurance payment had not been applied. After I called and spoke with a representative of XXXX in mid XXXX, the insurance info was re-submitted and the remainder was my portion of the bill to pay. I made bi-weekly payments until XX/XX/XXXX when I paid the remainder of the bill ( {$100.00} ) in full. XXXX never sent me any notice stating that my account was sent to a collection agency. In fact, my balance was still on the website where my payments were received and as stated, I was still making payments on the balance of over {$200.00} dollars, bi-weekly. 

I did get a letter from a collection agency but I disregarded it because the balance was incorrect, I never received notice about my balance going to collections, I had never heard of State Collection Services and it looked like a scheme to impersonate a non-existent state agency, and XXXX was still showing the correct balance and accepting my regular payments. XXXX received the last payment on XX/XX/XXXX and I received a credit monitoring alert today, XX/XX/XXXX that a collection agency has posted to my account.