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

I, XXXX XXXX, residing at XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX  XXXX, and reachable at XXXX, do solemnly affirm and declare the following under penalty of perjury : XXXX. On XX/XX/2024, I observed unusual activity on my bank account after my attempt to use XXXX was denied due to insufficient funds ( NSF ). 
XXXX. Upon conducting further examination, I discovered XXXX unauthorized ATM withdrawals from my account totaling {$XXXX0}. 
XXXX. In addition to the unauthorized ATM withdrawals, there were XXXX other transactions made without my consent or knowledge : a. A transaction with the United States Postal Service ( XXXX ) totaling {$XXXX}. 
b. A transaction with a XXXX vendor totaling {$XXXX}. 
XXXX XXXX transaction with XXXX XXXX the amount of {$XXXX}. 
d. A transaction with XXXX XXXX XXXX to {$XXXX}. 
e. A transaction with XXXX XXXX for {$XXXX}. 
f. A transaction with a XXXX XXXX station for {$XXXX 
XXXX. The total amount of unauthorized transactions sums up to {$XXXX} ( {$XXXX} in unauthorized ATM withdrawals + {$XXXX from other transactions ). 
XXXX. I hereby affirm that I did not authorize any of the aforementioned transactions and that they were made without my consent. 
XXXX. I have reported these unauthorized transactions to my bank and have requested an investigation into the matter. 
XXXX. I request immediate relief and restitution for the unauthorized transactions made on my account. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
In conclusion, I respectfully request a thorough investigation into the unauthorized transactions made on my account. I am fully cooperating with the authorities and the ftc involved to resolve this matter swiftly and justly. I affirm the accuracy of the information provided in this affidavit to the best of my knowledge and belief. 
Your prompt attention to this matter is greatly appreciated. Signed, [ Signature : XXXX XXXX, beneficiary ]
Product: Credit reporting or other personal consumer reports

Equifax are in violation of the Fair Credit Reporting Act ( FCRA ) by allowing these fraudulent accounts to remain on my credit report. I am demanding the immediate removal of these items as mandated by the following FCRA sections : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : are required to block and remove all information related to identity theft within four business days of receiving notice of the fraud. 
FCRA Section 609 ( a ) ( 1 ) : I am entitled to a complete and accurate disclosure of all information contained in my credit file, including the sources of the fraudulent data. 
FCRA Section 611 ( a ) : You are required to conduct a reasonable reinvestigation of any disputed information and remove or correct the inaccuracies within 30 days. 
FCRA Section 616 ( 15 U.S.C. 1681n ) are liable for willful noncompliance with the FCRA, subjecting you to statutory damages, attorneys fees, and punitive damages. 
FCRA Section 617 ( 15 U.S.C. 1681o ) : are also liable for negligent noncompliance, which includes actual damages and legal fees. I am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report. I have been a victim of identity theft and XXXX  XXXX, which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Product: Credit card or prepaid card

I logged into my Bank of America credit card account online this evening and saw that my account was flagged as overdue and I was charged a {$25.00} late fee. My checking account is linked and autopay was set to pay the minimum balance every month on the due date, which was XX/XX/2021. I immediately made a manual payment today, XX/XX/2021 and called customer service for help in resolving this issue. I asked why the autopayment was not made and I also asked for the late fee to be removed since it was not my fault that the payment was late and I have never been late before. The representative was unable to help me resolve the autopayment issue and he said that my late fee could not be removed and there was no way to appeal the decision. I find this unacceptable and feel that I should not be paying for their error.
Product: Consumer Loan

On XX/XX/XXXX16 I was involved a MVA. Subsequently my vehicle was totaled on XXXX16 due to the amount of damage. I notified ALLY Financial on XXXX16 of the incident because I knew I would need to gather documents from ALLY Financial for my insurance company. I also had GAP insurance provided for my GAP coverage. I had been requesting the required documentation from ALLY Financial for 6 weeks so I could get my claim completed with XXXX regarding my GAP coverage. ALLY Financial finally informed me after I placed several calls over the course of 6 weeks that they would not send the required documentation to XXXX because they were considered a 3rd party. NOBODY from ALLY Financial had relayed this information to me until almost 2 months after my claim process had begun. Now I am having to pay an excessive amount of daily fee 's and interest because the date of accident was on XXXX16, and ALLY did n't get the required documentation to my insurance providers in a timely manner. I do n't feel I should have to pay the excessive fee 's for the daily rates they are charging me because of their lack of communication and failure to get me the documentation I had been requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX at XXXX I got an email from XXXX XXXX and XXXX XXXX. Both with the subject : ' A change to your Credit Report '. This alarmed me since I am trying to purchase a home and I am trying not to make any changes to my credit so it wont affect my score. This hard inquire was from Sun Loan XXXX. I had gotten a loan with them on XXXX and finished paying it on XX/XX/XXXX, that account was closed. I had my mother call different loan companies to get information ( closing times, average payment for certain amount, etc. ) Sun Loan Company was one of the companies my mother had called at XXXX during this call she emphasized the fact of how I didn't want my credit score to be run. They ran my credit with no authorization at XXXX, then called my mother at XXXX XXXX  telling her that they had run my credit and I qualified for the loan and that they had all the documents ready for me to just go sign. I was very upset and called the company to ask why they had run my credit with out my authorization. His response was that my mother had stated that the loan was urgent and I needed it and how he already had the paperwork ready for me. I mentioned how neither me nor my mother gave permission for this gentleman to run my credit but he kept repeating the same thing over and over again.
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency. I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.
Product: Checking or savings account

Called cash app on the XX/XX/2023 the Representative told me that he couldnt find no information on why my account was closed and he will have to get with the tech team to see what happened, creating a support ticket. If it was a valid violation, it should be on file but its not. Someone did something under my social security number at cash app to make me not able to open any accounts.
Product: Debt collection

Portfolio Recovery Associates is engaging in illegal and flagrant violations of the Fair Credit Reporting Act by reinserting previously deleted information on my credit report in an a flagrant and intentionally attempt to make the debt appear to be more recent that it really is. Portfolio Recovery Associates had previously deleted a collections account from my credit report however in retaliation for filing a prior complaint against Portfolio Recovery Associates with the California Attorney General 's office, they reinserted a previously deleted account into my credit report as a collections account in order to intentionally punish me which is not what the intent of the FCRA or FDCPA is intended to do. Portfolio Recovery Associates is engaging in illegal and flagrant violations of the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

So I had got a cash advance at XXXX XXXX and I bank with capital one the bank agent insured me that I would get my money back then I called back and they said if I sent proof I was gone get my money back for sure when the date get here they denied me and I did a appeal they asked for more documentation and they still denied me I even expressed too they that I wanted some of my money back and not all cause it wouldnt be fair to get it all back and I kept the product and fixing it with my own money but I still would like some of my money out of XXXX I told them could I at least have XXXX back. Ill never bank with they again and I advise everyone never bank with them they suppose to be your bank but didnt even have my back
Product: Credit card or prepaid card

Dear Manager/Executive Office ; I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Sincerely yours ; XXXX XXXX
Product: Credit card or prepaid card

I have contact this credit card in the past, I am thinking XXXX, asking to see if they would decrease my APR % and they declined my request. In XX/XX/XXXX, I contacted them again for the same request and again declined. Each time I requested to talk to a manager, was told a manager is not available at the time but will have them contact you in the next 24 hours. Both times they failed to call me. 
I have been an on time customer and have paid this card off a couple of times. And they are not willing to help me. But they will increase your spend amount without you approving. My other credit card from a different company lowered my APR % with no problem.

Barclays doesn't care to help their good status customers. Once this card is paid off, I am done with them.
Product: Debt collection

I received a collection letter from JNR in reference to my XXXX home security system. 

The amount of XXXX is completely unbelievably WRONG! 

I have already received my Bill statement for XX/XX/2020. The total amount due is about XXXX. 

please check into this fraudulent collection bill. 

I am still a client with XXXX and I have an open account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that this information be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible. 

The following personal information is incorrect : Name : XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Debt collection

Calvary Portfolio has REPEATEDLY called my number asking for some guy with me telling them that they have the WRONG NUMBER! I do NOT know the person they are calling for. My number no longer belongs to that person, and has not for several years now. This company has been calling my number for YEARS with me telling them they have the WRONG NUMBER. They need to figure out the right number and stop calling me!
Product: Credit reporting

I have disputed a public record appearing on my credit report on multiple occasions. I contacted the Bankruptcy Court at the address and telephone number listed on my credit report. The address that is listed for the court and telephone number appearing on the credit report are both inaccurate. I contacted the bankruptcy court and was informed that they did not provide the information listed on my credit report to Experian. I sent a certified letter to the address listed on my credit report for this public record and it was returned undeliverable.I have asked Experian to provide the name of the data furnisher or third party source who verified this information so that I can contact them directly. Experian refuses to provide this information. The date of filing, status, listed is completely untrue. This bankruptcy does not belong to me. I would like to see how this information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my credit report on XX/XX/XXXX I disputed these inquiries : XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX Show DetailsXX/XX/XXXX, XX/XX/XXXXEquifax Mortgage Services : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX , XX/XX/XXXXXXXX XXXX Show DetailsXX/XX/XXXX,XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXXXXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX. Upon disputing these I stated that I did not give provision for the companies to run my credit. According to Equifax these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on XXXX, and XXXX and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be deleted ASAP. Thank you. 
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 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On XXXX XXXX2016 I purchase a home in XXXX Florida. before the the purchase We were pre approve for {$320000.00} and we bought the home for {$270000.00}. Bank of America did not approve the loan till two hours before the closing to my surprise when the closing agent was going over the closing cost, Bank of America charge Me {$3000.00} to be added to my loan and a monthly fee to be included with my monthly payment of {$110.00} for ten years ; none of this was inform to me till the closing. I put down {$100.00}, 000 which is over 35 % and I was not expecting any thing like this.I have a previews short sale 4 years ago and they new about it ' and pre approve me for the loan. I call Bank of America to tell me how much more I need to put down to get this fee out of my payment and they have no give me and answer yet, I am willing to paid up to 50 % of the loan to get this fee off my payment ; please help ' Thanks
Product: Vehicle loan or lease

Per the settlement law suit against Santander Consumer USA. I fall under the criteria of having my loan forgiven, and or remove the negative information from my credit report. on XX/XX/XXXX I contacted Santander about the class action settlement and I was told I needed to call the company that Santander Consumer USA sold the loan to. This is incorrect information as it cleary states on their website that this is from a certain period in time if you got your loan between XX/XX/XXXX and XX/XX/XXXX ; and Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver. As of today 's date I have not heard or received anything in regards to that, which I fall under that category to have the charge off removed from my credit report. I have attached documents to show when I purchased the loan and when it was repossessed.
Product: Mortgage

In XXXX XXXX  XXXX my statement said next payment due was XX/XX/XXXX. I called them to confirm that this was correct and they said yes. I none of my statements every showed anything past due. When I wanted to make a deposit into my escrow they accidenttally processed it as a payment. I had them reverse it, now all of a sudden they claim I am two months past due and need to pay right now. My spouse had to file bankruptcy XXXX years ago and just becaus she was on the deed as a resident they took toal advantage. Now my spouse is ready to discgare here bankruptcy they are coming back for on last pay day. Please do not work with company they operate in a very unprofessional manner, I feel like i need to operate through an attorney at all times when dealing with them.
Product: Credit reporting or other personal consumer reports

The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.