23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Today I pulled my credit report and noticed a XXXX XXXX account. The XXXX XXXX account shows a date opened in XXXX XX/XX/XXXX and showing a different date opened for XXXX & Equifax, XX/XX/XXXX. 

This same account shows a credit limit of {$1600.00} for XXXX, {$1900.00} for XXXX and, a {$0.00} credit limit in Equifax. 

I have included a copy of the credit report page.
Product: Mortgage

Mortgage was sold while in loss mitigation for XXXX XXXX XXXX Bank refusing to provide documents making process extremely difficult for XXXX Reinstatement amount totally different from what was stated I owe!!! XXXX more than what I owe! 

Going to lose family house XX/XX/2021 loan modification was completed Then Covid!!!!! 

No break!!! No help for XXXX citizens!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of your inquiry issue. I have 6 additional inquires on my XXXX   report that were not there before. I would like them removed. I also have a few inquiries I did not make and already reported when I had identity theft on my name.
Product: Checking or savings account

Hello there, I 've been a member with  Key  Bank since  XXXX . I have a Key Previlege account and CD account with  Key  Bank and was told that I will not be change a monthly maintenance service charge per their Personnel Banker  XXXX   XXXX  on my Checking. I did not realize that this account was being charged monthly service fee since  XXXX  of  XXXX  thru  XXXX   XXXX  .This is my savings account for my widow mother. When I received the statement for this account, I did not check activity detail indicate on the statement that  Key  Bank was charging me a monthly fees. Due to the fact that I was told no monthly fees, I did not double check the statement. When monther needed the funds and notice the monthly fees indicate on the statemented for  XXXX   XXXX . We question Key Bank. This is when I call the customer service and spoke to  XXXX  on  XXXX   XXXX   XXXX  was told that she that their system was not able to link my account together since I original open  XXXX  account in  XXXX  since  XXXX  and recently open a CD in  XXXX  WA. I know that it was my mistake for not reviewing the statement monthly, but since this was a raining day funds for my mother I did not think about checking the detail and told upfront no fees would be charged.. I was advise by their customer service (  XXXX   ) t o close my current checking account and open a new account which I did. I feel I am a victim of FRAUD by  Key  Bank and dishonest done by their employees. They were dishonest with me and was told that I will not be charged. I tried resolving this issue with  Key  Bank and after 16 days of waiting for a response I finally received a return call from the Branch Manager  XXXX   XXXX  that the company will only refund the service fees of a couple month. I am asking for t he Seven  month refunds of the service fees that they charged me totaling {$170.00}. I feel that I was taken advantage of. It 's not my problem that there system is not able to link out of states account. I should not pay the price for their system failure.     Thanks  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am submitting this complaint against TD Bank regarding my Target Credit Card account. I have recently requested essential documentation related to my account, including : Account statements showing transaction and payment history. 
Detailed payment ledgers. 
Any account agreements, terms, and conditions. 
Documentation related to fees, interest charges, and adjustments. 
This is my first attempt at formally requesting these documents. I made this request directly to TD Bank on [ insert the date of your request ] via [ method used, e.g., phone, email, or mail ]. As of today, I have not received a response or acknowledgment from TD Bank. 

It is important for me to review this documentation to verify the accuracy of my account and ensure proper account management.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, Mr. Cooper ( our mortgage lender/servicer ) incorrectly coded a payment ( {$10000.00} was sent -- - Mr. Cooper credited me with sending {$1000.00} ). During my attempts to rectify the situation with Mr. Cooper, they incorrectly reported the mortgage payment as late, despite their promises that I would not be in arears during their review of my case. Following their review of the case, they gave as their reason that my account had " insufficient '' funds, which was demonstrably untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}
Product: Mortgage

EverBank informed us that there was a lapse in our hazard insurance coverage from XX/XX/XXXX to XX/XX/XXXX. We were never notified and evidently neither were they. The bank just recently informed us. We immediately got new insurance,. The bank says, '' An insurance charge of {$1200.00} may be charged to your account for the period of time that the coverage was in force. In order to avoid this charge or have it reversed from your account, please provide us with evidence of insurance for this lapse period. '' My question, since this is an escrow account and we provided money to pay the insurance, and they did not provided forced insurance for that period, why are they entitled to keep the money that we provided for the hazard insurance? Is this legal? 
By the way, we were not informed by the insurance company that they canceled our account. 
Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Hello, Please i will like to file a dispute to remove a fraudulent collections account added to my credit report. This debt does not exist and i believe its a situation of identity theft, I have tirelessly been trying to contact the company about this but they have no paper proof of a debt i owed plus they were trying to have me meet up with their agent somewhere to pay off a debt i did not owe. 

Information of the collections company is below, XXXX XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX Collections Account XXXX : XX/XX/2018 Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Remarks : Medical I hope you will please do something about this and help me remove this fraud company from my report.
Product: Debt collection

Initially, we contacted XXXX XXXX XXXX, we received calls from XXXX XXXX, XXXX XXXX at the supposedly a world leader in time-share exit strategies. They contacted us numerous times, took our information and we declined their offer. Mysteriously, other companies, too many to remember or name, started contacting us about our desire to rid ourselves of the time-share we never once used due to poor, or deceptive miscommunication as to how we could schedule our appointed week. 

What alarmed us the most, was a statement made by the hardcore salesperson that we continued to reject ; he threatened that our credit scores would be drastically affected by our choice to reject their {$8000.00} offer. At the time XXXX XXXX 's score was ( XXXX Excellent down to XXXX ; XXXX XXXX  Excellent XXXX XXXX ) Then, XXXXXXXX XXXX XXXX XXXX XXXX  invited us to an owner 's ( XXXX XXXX ) banquet at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXXXXXX XXXX. They were surprised that we were still paying the mortgage. They told us to stop paying the mortgage, but make sure the maintenance fees were current. The delinquent monthly payments for XXXX were given to XXXX XXXX XXXX who hits our credit report monthly. 

During the compelling presentation designed to free us from the drudgery of the TIME-SHARE experience, we agreed to accept a proposal to rid us of the problem using proprietary methods exclusive to their firm. This method was costly, but somehow or by sleight of hand, we couldn't find the expensive docs when we got home that indicated the promise to a one-price solution ( liquidation option/ not a conversion program package ) from another partnership ( XXXX XXXX XXXX  non accredited by XXXX, we later found out ). They quoted a reasonable one-time fee of {$1500.00} USD for legal fees and drafting of paperwork. She ( XXXX XXXX ) further alluded to the {$11000.00} USD ( XXXX XXXX XXXX ) was paid to XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX is the name that debited credit card ) for a conversion and points program package that we weren't seeking! In addition to this mindblowing atrocity, she audaciously forwarded an emboldening and threatening email, supposedly from the time-share company XXXX XXXXXXXX  suggesting a settlement price of {$9500.00} USD to exit the timeshare. 

Throughout this experience, we never met our supposed lawyers that received our hard earned money. 

The coincidence of invitations alerted our suspicions that something is certainly amiss, since, the balance of the time-share is {$16000.00} USD and the collective total of the proprietary exit program is {$1500.00} + {$9500.00} + {$11000.00} = {$22000.00} We'd like to file criminal charges for this type of predatory practices
Product: Checking or savings account

I opened a new checking account at my local Chase Bank branch on approximately XX/XX/22. To fund this account I provided a series of checks, most of which were reimbursement checks from my health insurance company, XXXX XXXX. Specifically, 5 checks for the amount of ~ {$2800.00}. 

When I went to use this account about a month or so later I discovered that all the money had been withdrawn from my account. Concerned about this, I called Chase to report likely a fraudulent withdrawal. Chase stated that they had discovered the checks from XXXX XXXX  were potentially fraudulent, and therefore had closed my account. They also claimed to have sent me physical mail notifying me of this, however I never received such notification. 

After escalation, Chase stated that they needed a verification for XXXX XXXX  so that they could call and confirm the checks were not fraudulent. The number they had on file they stated was not working. 

There were many back and forth conversations between myself and Chase, and myself and XXXX XXXX, in order to try to obtain this number. XXXX XXXX failed to provide this for me, and eventually I gave up and just requested that the checks be reissued so that I could an account at a separate bank. 

At this point, XXXX XXXX confirmed they could not reissue the checks as the money had actually been withdrawn from their XXXX XXXX account by Chase. Since Chase had cashed the checks, money had been transferred and it was therefore impossible to reissue them. 

I once again contacted Chase to confirm this, and they admitted that they were indeed holding the money. But even after escalation in their customer complaint department, they are refusing to return it to me or XXXX XXXX without a verification number. They have also multiple times stated that it is my ( the consumer 's ) responsibility to obtain this number. I re-escalated this request with XXXX XXXX, however have been unable to obtain a verification number to this date.
Product: Credit reporting 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. 
I requested Experian, XXXX, and XXXX to conduct a thorough investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my request, they affirmed the accuracy and completeness of the information provided. However, discrepancies such as : Account # Account Type Account Type Detail Bureau Code Account Status Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment The categories mentioned above, raises questions regarding the accuracy of the reported data, totaling 32 violations. As per 15 USC 1681i ( 5 ), these agencies are mandated to rectify any inaccuracies in the accounts they report.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to any consumer reporting agency by individuals who have knowledge or reasonable belief of its inaccuracy.
Product: Debt collection

We have received incessant calls from XXXX XXXX XXXX. Robocall leaves a message and says to go to XXXX if you want the calls to stop or to call XXXX. That website is wrong, the phone number is always busy. But I found their real website XXXX XXXX XXXX   Their real phone number is XXXX. They are calling about a debt that is for an ER visit to the hospital that was part of a closed XXXXXXXX XXXX XXXXXXXX claim. They should be calling the employer XXXX XXXX XXXX XXXX to resolve any unpaid debts, not the XXXXXXXX XXXX  XXXX injured employee. The hospital turned the debt over to debt collectors that are always bothering us about the debt instead of contacting the responsible party, which is the above-named employer.
Product: Mortgage

Sold my house in foreclosure without my notice and returning my payment in XXXX XXXX and XXXX for XXXX XXXX each check before foreclosure XXXX
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) assumed my home equity loan from Bank of America in XX/XX/XXXX. I received no written notification that this had occurred, which from what I have read is required by law at least 15 days prior to my loan being sold. I applied for a new loan with XXXX XXXX  in XXXX to pay off this loan after reading the reviews of XXXX. I was to sign the papers for this loan today ( XX/XX/XXXX ). However, I received a phone call from an officer at XXXX XXXX  facilitating my loan today in which he stated XXXX had filed an additional complaint to the credit reporting agencies, today, saying I was 120 days delinquent. I didn't find out until XXXX Bank of America had sold my loan when I went in and spoke to an officer and was informed by him that that was what happened. I was told by him they had mailed a notification of this to the address I lived at when I took out the loan. I haven't lived there for 12 years and they have all my current address and telephone information because I still bank with them. So is Bank of America 's incompetence my fault? 

I didn't make payments from XXXX to XXXX because I had no idea where to make a payment. Yes, I should have gone to Bank of America when that loan disappeared from my accounts. My bad. However, XXXX during that time period made no attempt to contact me and they can't say they couldn't get my current address and phone number from Bank of America. There are no other companies - mobile phone, power, water, etc ... that wouldn't notify you if you were past due on a bill after a month. This was done deliberately by them, of this I have no doubt, in the hopes they would be able to foreclose on my house. 

As soon as I did contact XXXX I brought my account up to date. They then told me my XXXX payment was for the amount of {$740.00}. My loan was converted to a fixed rate option in XX/XX/XXXX. My payments are {$460.00} per month. By telling me that's what my payment was they committed fraud. A lawyer told me they can't increase my payments and I pay my taxes and insurance myself. As I far as I'm concerned they owe me {$280.00}. And I was told by representative of XXXX that my XXXX payment and all after were going to increase to approximately {$810.00} no explanation as to why. 

I want the 120 day delinquency removed from my credit report because they broke the law by not sending me written notification, to my current address, that they had assumed my loan in XX/XX/XXXX. I want this done so I can secure a new loan with an honest bank in order to pay them off and get out from being under them. I had never missed a payment until they took this over and I wouldn't have if I had known who to whom to make a payment. XXXX is company run by low lifes who profit off other peoples misery ( please read the reviews online, that is if you have a strong stomach ). Hence, the over 600 complaints to the XXXX XXXX XXXX  in one year and over 2,000 to the CFPB. XXXX XXXX XXXX should be the poster child for corporate greed in America.
Product: Debt collection

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
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. 1.XXXX XXXX {$1000.00} has violated my rights. 5 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 believe that the information is inaccurate. your company has been reporting this account inaccuratly has failed to remove it from my report