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

I deposited a check for {$80.00} on XX/XX/year> with Key Bank via their mobile app. The check cleared and was credited to my account. 4 days later, Key Bank hit me with a {$72.00} fee. They claimed that the check was only actually written for {$8.00}, not {$80.00}. The teller attempted to make a false claim that what is written is what they care about. Everything on a check is written. 

The bank attempted to claim that they tried to contact me about the check issue. They did NOT attempt to contact me. They claimed to have sent a letter on the XXXX, which is impossible because it is the same date that they charged me the fee. I have the mobile checking app. I do not have a single message from them notifying me of any issue. 

Today, XX/XX/year> I received the " letter '' they claim to have sent me over four days prior. I received this in my primary email. The letter claims nothing about the check, only that my account, which I had brought up to snuff the day prior, was still overdrawn. 

When I attempted to resolve this issue, the reps claimed that this was my issue, that they had attempted to contact me. At no point did they try and work with me as I straightened out the issue with the check. I did not want a massive fix, just the fee associated with their mistake - again, it had been 4 days since they had cashed the check, and they had waited until after I'd made a purchase to decide that there weren't sufficient funds. But that did not stop them from allowing the purchase of the item before the XXXX. And the check and funds in the account- this is a secondary account - would have been more than enough to cover the purchase.
Product: Credit reporting or other personal consumer reports

My complaint is with XXXX XXXX XXXX XXXX XXXX with Mortgage and auto loan. 

In the annual credit review last XXXX, I can see that the mortgage balance has not been updated since XX/XX/year>. Also two payments during the COVID-19 ACT were reported within 30 days. In XXXX of this year, I was a co-signer for a auto loan ; XXXX XXXX XXXX XXXX inquired about my credit on two occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. XXXX, XXXX fraudulently opened an installment loan in my name without my consent. I've repeatedly send letter, emails, phone calls, FTC report, Police reports, requesting them to close my account but they refuse to resolve the problem. In addition, they falsely report the info to my credit report with Experian, XXXX XXXX and XXXX to ruin my credit. 

They have emailed me at least 9 times with the same request for my IDs, which I have responded every time and mail by certified mail. The email address came from 2 different addresses requesting same information, sometimes twice a day. They use robots to call me many times ( too many to count ), from many different numbers. XXXX  also send me letters telling to pay the loan that doesn't belong to me. 

They've recently updating my credit reports with false information like late payments to a loan that doesn't belong to me. I've research about their company reviews online, most of their customer responded that " they are a scam, a ripoff ''. 

My complaint also about Experian. I've contacted them about the ID Theft and XXXX  fraudulent loan and disputed with them. I filed dispute with them over the phone, and on their website but both returned not " accurate ''. Experian didn't handle the dispute fairly and accurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Fraudulent Charge-Off/Collection XXXX XXXX XXXX  Account Number : XXXX Last 4 digit card numberXXXX Account opened:XXXX XXXXXX/XX/XXXX Account ClosedXXXX, XX/XX/XXXX Dear, Transunion, XXXX, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the three major credit bureaus ( XXXX, XXXX, and TransUnion ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

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

JPMCB an account was opened under my name as an authorized user with out my permission the account is still active an high balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX ( XXXX ) .They are furnishing false and inaccurate data to Transunion . My dispute with XXXX on XX/XX/, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Debt collection

XXXX XXXX sent me a letter 3 months ago saying I owed {$6000.00} on debt that I made payments from XXXX to XXXX and that I still owe {$6000.00} and that if I can pay them {$2900.00} immediately that would take care of it I threw and I thru the letter away. They called last week demanding I pay this money immediately or they're going to take my house and car they also name dropped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in trying to shame me into paying. They ( XXXX XXXX XXXX said it was a credit card through HSBC XXXX and when I called HSBC they informed me that they have no record of anything. It's been too long and it's been dropped. These people are scammers and won't leave me alone please help they took pictures of my house with me and my car I caught them one day they know what kind of car I drive and they threaten to take it from me it's a XXXX  XXXX and they mention that specifically so anything you can do would be a great help thank you so much please get in touch.
Product: Debt collection

I am getting a lot of calls from Medical Revenue Service XXXX for a friend of mine. I've explained she had a XXXX and moved to another state with family members. They still keep calling my cell phone. I am not getting mail for her so I have no address to write them for a request to stop. I did speak with a employee over the phone, twice and requested they stop calling. But it hasn't stopped yet.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States. 

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan XXXX XXXX XXXX XXXX XXXX in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA ) XXXX for the past 10 years. 

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original Creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm writing because on my reports from XXXX XXXX XXXX and Equifax They show i have a Public record of Bankruptcy dated XXXX in which I've never applied for. I contacted the Bankruptcy court via mail also stating to me they did not report this to either bureau. I've also found several inconsistency 's with all three reporting 's on my report which is an FCRA violation and is grounds for immediate removal. Equifax shows the court as US Dist ct XXXX shows US Bankruptcy Court and XXXX Shows US BKPT CO XXXX as the reporting court. Please remove immediately these are fraudulent and inaccurate and don't belong to me.
Product: Mortgage

On XX/XX/2022 Nationstar Mortgage XXXX d/b/a Mr. Cooper withdrew an additional {$1400.00} from my bank account after my loan was payed off and account closed. This was through an automatic payment that was supposed to be canceled automatically after the loan amount was payed in full on XX/XX/2022. I have called and emailed customer support for them to return my funds, but have yet to receive any money. Nationstar Mortgage XXXX has taken my money and won't tell me when or how they intend to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy : Bankruptcy Reference # XXXX. Incorrect Name : XXXX, XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-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 believe that the information is inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/year> XXXX XXXX XXXX XXXX XXXX is a total loss of structure and contents. 

Insurance company issues check for the XXXX XXXX. 
Mortgage has outstanding balance of $ XXXX - I have never been delinquent. 

XX/XX/year> - I forward insurance check {$230000.00} to sent to Citizens Bank , NA Mortgage. 

XX/XX/year> - I received {$180000.00} from Citizens and am told the balance will be held until progress is made. 

XX/XX/year> - Mortgage Inspector comes to my property and confirms home demolition is 100 % complete. The property has its original foundation ( we are using this foundation to rebuild ). Land is graded. Straw on ground to protect foundation from winter temperatures. 

XX/XX/year> - Mortgage company notifies me they will not release the balance of the insurance money to me until progress is made. I explained to Mortgage company progress is made. The value of the foundation is {$20000.00}. The value of the vacant lot is {$70000.00}. The property value is {$90000.00}. This total value exceeds the balance of my insurance money {$51000.00} the mortgage company is holding, and this value exceeds the balance I owe on the mortgage. 

I want this insurance money returned to me, now. I am rebuilding my home. I want my insurance money put into my money market account so that I earn interest on my insurance money to put it back into my home. How can the Mortgage company hold my insurance money that now exceeds the value of the property and exceeds the value of the outstanding balance of my mortgage? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Equifax security breach, I have been identified as a victim of the data breach. It is assumed that my social security, driver 's license, and other personal information has not been secured and is now public information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SANTANDER CONSUMER USA XXXX : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX, TX XXXX Dear Consumer Finance officer at XXXX XXXX I am writing to dispute a close account of an Auto Loan of {$28000.00} to my account on XX/XX/XXXX. The charge is in error because the auto was taken from me in an armed robbery in Washington D.C. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
Enclosed are copies of the police report supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX # XXXX - PUBLIC INCIDENT REPORT- XXXX  POLICE DEPARTMENT WASHINGTON D.C .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft I have not received any updates from the bureau regarding removing the fraudulent collection account its been over 90 days
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXXXXXX ACCT # XXXX ~XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX ACCT # XXXX ~XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX ACCT XXXX * XXXX ~XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX ACCT # XXXX ~XXXX XXXX XXXX XXXX # XXXX ~XXXX XXXX ACCT # XXXX 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 or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am getting harassed. Below are just some of the dates of the calls.. 
XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. This is getting out of control. When I pick up, it's automated and they make me wait. I left a message telling them to stop calling.. I blocked their number, but they keep calling me! 
The company is Action Collection XXXX XXXX.
Product: Debt collection

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was made aware of a collection account on my Equifax credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Equifax on XXXX certified USPS. I also sent another letter to Equifax on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other two agencies.

1 ) Equifax is reporting a high balance while the other two credit agencies are reporting no high balance.

2 ) Equifax is also reporting a Date of Delinquency of XX/XX/2019 while the other two agencies are not reporting which is inaccurate and a violation 3 ) Equifax is reporting XXXX XXXX XXXX as Other while the other two agencies are reporting as Debt Buyer which is inaccurate and a violation.

Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.