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

I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. 

In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. 

Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". 

It has been 129 days since I met the requirement and they are not responding to my messages anymore.
Product: Credit reporting or other personal consumer reports

This is the third time I have as XXXX XXXX co to reinvestigate the complete and accurancy and they still saying its verified as accurate which everything is wrong from date open to date close and last payment, date open was XX/XX/year> XXXX is wrong this account has not been verified and its not accurate. This is violating my rights per 15USC 1681 credit reporting must be true and correct. And according to this law they are suppose to provide me a discription of the investigation according to 15USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 
And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE ( XXXXXXXX XXXX  XXXX ) ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late in the payment history. THIS IS A VIOLATION OF THE FCRA. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE TO PAID AS AGREED, PAID ON TIME, NEVER LATE. ( DEPT OF ED ) ( DEPT OF ED )
Product: Credit card

I paid off a credit card from Chase Visa and they sent me a bill for {$13.00} on a XXXX balance. Also they charged 27.99 % interest on XXXX and 29.99 % on another and refuse to lower them both Chase Visas.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 1/2 years ago my identity was compromised resulting in this on my credit XXXX US BANK XXXX CC Opened XX/XX/2016 {$1700.00} I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX I have disputed the educational loan XXXX  XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I was so stress since Ive sent disputes last XXXX regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Product: Checking or savings account

I XXXX XXXX HAD BEEN A VICTIM OF UNAUTHORIZED USE OF MY DEBIT CARD FROM NAVY FEDERAL CHECKING ACCOUNT I CANT GET ANY HELP FROM THEM RECOVERY OF MY FUNDS, ITS CLEARLY THAT THESES ARE FRAUDULENT CHARGES PLEASE HELP ME GET MY MONEY BACK XXXX XXXX XX/XX/XXXX {$4700.00} Transfer to XXXX XXXX XX/XX/XXXX {$1000.00} Transfer to XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within four business days. 

The following inquiries are not associated with any active accounts that I have authorized : XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX - XXXX on XX/XX/XXXX XXXX. XXXX - XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

Carrington Mortgage company " lost '' proof of my Home Owner 's Insurance. Carrington enrolled me, without my consent, into their own very expensive Home Owner 's Insurance and rolled the fees ( XXXX $ a month ) from that into my mortgage. They did so without notifying me. They have made it extremepy difficult to fix the solution. All responsibility has fallen on me to provide proof of my insurance, which I did, several times, and they continued to be unable to locate the email and fax. Then after an hiur and six minutes on the phone they located the fax. They kept my mortgage payment in " limbo '', threatened to apply it to other fees, and forced me to pay the extra XXXX $ even though they have proof of my insurance. They said it moggt not be fixed by next payment due date and I will have to pay an extra XXXX $ again until the refund department can get it sorted. This whole process has been very difficult and frustrating. I was constantly placed on hold and shuffled around. I have XXXX 's home owners insurance. It took me 5 minutes to get the paperwork Carrington needed from them. I can't imagine technologically challenged folks or elderly folks being able to " work '' with Carrington to get this problem fixed. I was polite and patient with everyone I spoke with. They took XXXX from me for my payment. Put it into limbo because it didnt include the new XXXX $ and then they tried to make me pay XXXX ( on top of the XXXX already paid. ) XXXX is my normal monthly payment. I have never missed a payment, and there has never been a gap in my insurance. This is a deceptive practice and a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e XXXX and Transunion failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Mortgage

-Monday XXXX XXXX - Pre-printed sheet of paper was taped to my door ; no name no signature, printed text said to " contact your mortgage servicer '' and a hand written toll free number. 
Spoke to Bayview, to asset manager XXXX XXXX. 
XXXX XXXX explained that after the one year of the forbearance term, the mortgage was behind {$11000.00} and that it had to be modified. 
XXXX XXXX explained that in a few days I would receive a packet of forms from XXXX, to contact them when I got these forms. 
-Tuesday XXXX XXXX - ( No forms have arrived yet ) Found a blank envelope taped to my door, inside found a pre-printed note saying " contact your mortgage servicer '' with a handwritten toll free number. 
-Wednesday XXXX XXXX - On XXXX XXXX, XXXX I received a letter from Bayview informing me my mortgage had been sold. According to the latest MERS record I received from Bayview in XXXX, the mortgage owner was XXXX Bank ; the new owner is " Mortgage Fund XXXX XXXX XXXX '' address is XXXX XXXX XXXX XXXX XXXX, MN XXXX, phone listed as XXXX. 
This address and phone number belong to XXXX Bank. 
I searched the web for " Mortgage XXXX XXXX XXXX XXXX '' and its variations : no results. 
Spoke to the XXXX State : no records Spoke to the XXXX : no records for " Mortgage Fund XXXX XXXX XXXX '' -Thursday XXXX XXXX - Visited the above address to find a corporate office building belonging to XXXX Bank XXXX Inside spoke to an information representative who searched their database using my driver 's license ; the representative ( XXXX ) found no records with my name. 
-Friday, XXXX XXXX, XXXX - Called the Foreclosure Dept. at XXXX ; this number was given to me by XXXX at the information desk in the hopes they might have more info. 
Spoke to XXXX who transferred me to " XXXX XXXX ''. XXXX explained they have no access to mortgage records of mortgages sold to other creditors, she suggested I talk to The Consumer Protection Bureau at XXXX. 
Spoke to XXXX at Consumer Financial Protection to whom I relayed my situation ; XXXX explained the complaint submission process and how long it would take. 
I have not attempted to contact Bayview Loan Servicing regarding this issue of creditor transfer because they will ONLY respond to a lawyer and I have already incurred {$2300.00} in legal fees trying to get information from Bayview in XXXX.
Product: Bank account or service

I have requested my money from HSA Bank ( R ) is a division of Webster Bank, N.A., Member XXXX XXXX and they told me it will take up to 30days for me to get my money. The bank refused to let me speak to anyone else.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX appeared on my TransUnion credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX  appeared on my TRANSUNION credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for too many inquiries from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Equifax credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2.   XXXX   XXXX   XXXX   XXXX   date   XXXX   3.   XXXX   XXXX   XXXX  date  XXXX   4.   XXXX  date  XXXX   5.   XXXX   date   XXXX  6.  XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX  8.  XXXX   XXXX   XXXX   XXXX  date  XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX  date  XXXX
Product: Debt collection

I am not liable for this debt with bmo Harris bank and don't have a contract with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX They did not provide me with the original application like I asked. Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXXXX/XX/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
Product: Money transfer, virtual currency, or money service

Hello. The XXXX company blocked my account without explaining the reasons and does not respond to my letters of support about the amount of funds in my account XXXX the estimated amount is about 25-30 thousand dollars ) and the timing of their withdrawal. 
I can't wait for an official document on the impossibility of a refund wrong trasfer for about two months. And near 1 week I dont have answer for my emails about refunds my money.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I opened a credit card with Avant credit. They ran a hard inquiry on my credit report. I then received my card in the mail, in which I activated that card. I proceeded to attempt to make a purchase, where it would not work and continued to decline all purchases. I downloaded the Avant app on my phone which shows {$500.00} available. I then contacted customer service where I was directed to send an email to the theft department. I was extremely confused because they told me that it was listed lost or stolen, which I never ever claimed a lost or stolen card considering I just received it and hadnt even used it yet. I was given the incorrect email. I then called back explaining my concerns, once again ; I was given the wrong email. I called back furious at this point, explaining once again, the issues that I was having. The customer service rep told me that there is no one to speak to on the phone and all of this had to go through email. I was finally given an accurate email address but since then, I have reached out multiple times with no response. I now have a credit card that can not be used along with a hard inquiry on my credit report. I have no idea whats going on. If someone was trying to hack my account and requested a new card, so much couldve taken place by now since no one has contacted me.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1692C ( c ) clearly states that a consumer must cease all communication with include reporting to my credit report
Product: Credit reporting or other personal consumer reports

I had already submitted a complaint regarding Upgrade and it was resolved and I was sent a letter from XXXX telling me that my account would be reported on my credit as paid in full and they are not reporting this. Instead, my credit has taken a significant hit because they are reporting I have late payments, which I do not and those need to be removed, but the account is also still showing as open. 

I have tried disputing this through XXXX and nothing was changed, this needs to be fixed immediately, I have spent months trying to get this resolved and my credit has been severely damaged.