23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on a new home on XX/XX/XXXX. The processing agent indicated I would not pay an application fee due to internal shuffling of my application in XX/XX/XXXX. While I did not pay that app fee up front upon the application processing, they instead added the fee on my Closing Disclosure document. They continue to insist the fee was not charged to me. However, there is no indication on my CD that this fee was credited to me and the cost details suggest I paid it within the cost to close my loan. They insist it was added to my closing disclosure document for " compliance ''. 

I accepted the closing disclosure document on the condition that the {$310.00} dollars would be refunded. I was assured by the agent a check would be provided at closing. 

However, now more than a month later, I have yet to be provided a check despite emails to the bank and speaking with a member of management. The bank continues to press that I didn't pay that fee, however the cost is listed on my Cost Details. 

In writing the agent provided assurance that the {$310.00} dollars would be refunded, which I accepted as condition to accept and sign the Closing Disclosure document.
Product: Credit reporting or other personal consumer reports

Ive looked at my credit report on XX/XX/year>, and notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer porting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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.
Product: Checking or savings account

I opened a bank account back in XXXX time frame and I opened that account in New York where I am from. I left to go to school in XXXX and I stopped using the account because I created a XXXX XXXX  account before leaving and I used that card and I was informed that there were several checks on my account that came back unpaid that I didnt do which is clearly fraud something Wells Fargo is known for Ofcourse. My account was later closed and I tried to reopen the account and the teller at the bank said theres nothing they can do so I just left it alone because they did return my money to me so I had no problem. I was also informed that I would need to pay any remaining balance on the account and if there were anything owed I paid it its been awhile so Im not sure if I had to or not. I recently walked into a branch in XXXX, AZ to open a new account and I got denied for the regular checking so I went ahead with the opportunity checking and everything was fine I deposited my money and changed my direct deposit to this new account and I made sure before going through with it I asked if Im in good standing with the bank and I was told I am fine. Well, I got a call this morning saying due to misuse of my old account my new account will be closed in 10 business days and I want answers because to begin with this was fraud but I didnt lose any of my own money plus the account was closed so I had nothing to worry about but now Im being penalized for this bad security measures by Wells Fargo. I need my account to stay active because I neee a new account this problem that happened isnt my fault and I will make sure Im heard if I dont get a fair look on this because Ive just been brushed over like I dont matter. This is just ridiculous Wells Fargo is a true shame to the banking industry how do you conduct business this way and think consumers would call this a good bank. I just need an account and I would like to bank with Wells Fargo out of my liking because the other banks I dont like that much but Wells Fargo is soon enough joint that list. I just want my matter to be solved ASAP! My account is closing in 10 business days and I need that stopped. 

Best regards, XXXX XXXX
Product: Credit card

XX/XX/XXXX i purchased a prescription from XXXX XXXX was charged twice on cc. I diputed and was given credit, then a month later I get rebilled {$41.00} WITHOUT EXPLANATION and hope that I would not see it buried among my charges Vert surreptious and cunniving!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file its has inaccurate information that I have not every submit. It shows a name I never approved for use on my personal information. It is not my legal name. It should not appear on my personal records at all. 

Also known as XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Hello, all credit scores. 
XXXX XXXX XXXX XXXX or XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX. 
XXXX/XXXX/XX/XX/XXXX XXXX I have no idea why my credit score keeps decreasing badly like that without my notice as they falsely Claim l pay late bills that never occur in my entire bills history. I've always paid my bill on time without missing any payments, but my score is lower due to insufficient claim you must fix this mistake asap pls. All the false claims need to go asap. l constantly tries to apply for new credit cards or loans l deny due to my debt and all the negative claims on my files. l wants all three credits bureau to reject all the bogus claims of my credit score vital for clean out that hold me back to not owning anything. Every time l filled out the institutions for money l disapprove of the loans for instance, XXXX, Capital one bank, medical bills, and XXXX Bank student loans must fix up my credit score and correct all the mistakes that occur asap. I want to increase my credit scores higher not lower my score at all. I dont recollect all the negative allegations on my account, all these allegations must go and fix up
Product: Debt collection

I stay in this complex where it was time for us to move out our lease was up at XXXX XXXX XXXX. I was told by the manager to move out, because my family and were in a very bad and serious situation she told me and family would be in good standard because we were good tenants. She also said that our lease wouldnt be considered as a eviction. She told me I wouldnt have a eviction on my credit. She and I sat down and talked about why I had to move out my family and I life was in danger. I cant afford to pay {$4300.00} and I asked the can I pay low payment to this company and they said no they cant except that amount for a payment. I cant even move into a house. I need help please.They are very nasty company.
Product: Mortgage

I received a letter from US Bank that my insurance policy is not acceptable. They state that the investor requires that the deductible not exceed five percent of the policy limits. I live in a condo and it is insured through my condo association. I also carry a personal policy. My condo is adequately insured. No loan documents state the deductible requirements. My personal policy is for {$18000.00} with a {$1000.00} deductible. I called US Bank and the representative told meI have to get my coverage increased or deductible lowered on my personal policy. I 've had this loan for less than a year and my current coverage is the same and was accepted when I took out the loan. My loan balance is only 60 % of the appraised value. The representative told me if I did n't change the coverage amount or deductible they would not accept my policy and force place coverage and increase my monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Product: Checking or savings account

Respected Sir, I have account with Bank of America ( BOA ) since last 6 years. Recently Boa started the Monthly Maintenance Fees of $ XXXX Deduction as my checking account balance is below $ XXXX while doing this bank is not providing any notifications to me that my balance is below $ XXXX as the bank has many ways to contact the customer -via Apps, Email alerts, SMS but i feel BOA is doing this on purpose to collect the money from customer accounts. This is serious concern as bank is doing this on purpose to collect money without any alerts & specific notifications. When i called to customer service they are informing that this information is available in the statements & there is no any additional way to inform to customers. Due to digital statements/ hard statements normally people tent to overlook this thing. But BOA is taking the advantage by charging the monthly maintenance fees without any specific notifications. 

I strongly recommend to charge BOA for this purposeful act of charging money / fees without specific notifications to customers.
Product: Credit reporting or other personal consumer reports

The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am off work on medical leave with no pay due to severe health issues and have been off for three months with 0 income and don't know when or if I will be able to return. I have 0 savings and no money. Yet XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXnd Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Product: Payday loan, title loan, personal loan, or advance loan

I was a victim of the XXXX XXXX Hack. TD Bank took my credit down over XXXX points. 

I had a XXXX account that is provided by TD Bank that had a {$2200.00} limit. I used it and paid it off. Then I ordered more on it. I was making my payments until a payment got returned. I knew I had enough in the account for the payment but, it returned. I didn't know what was going on at the time. TD Bank reduced my credit limit from {$2200.00} to {$1800.00}. When I called management I was told that they would restore it if I paid the returned amount. I checked the amount in the account to be sure and made the payment. This payment got returned also and they took my limit down to {$1300.00}. Every time they took down my limit it caused my credit score to drop. 

I found out that my account was 1 of the accounts in the XXXX XXXX hack. I called TD Bank to let them know XXXX XXXX shut my accounts down pending an investigation and all my money was taken. I didn't have any account for 3 months. Most of my accounts took action to make sure this wouldn't effect me. TD Bank instead charged penalties and wrote it onto my credit which caused other creditors to drop me and created a snowball effect on my credit score. Other accounts became more expensive due to the negatives filed and dropped accounts. XXXX XXXX wrote a letter explaining that I had no account during those months. 

Once I got my account I paid the back months minus the penalties TD Bank added and paid every month on time minus the over {$150.00} in penalties. I immediately filed a compliant with TD Bank 's Dispute Department about the penalties that ended up totaling over {$600.00}. This department won't talk to clients and took 3 months to mail results saying the amount was valid which is NOT what the complaint was about. I paid every month while this was being investigated again and they wrote negatives every month. 

There is NO way to talk to anyone with authority. You can't talk to the departments or anyone above them. I was even told by employees that it has to be done from the outside. TD Bank won't fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc of inaccurate information showing up on credit report XXXX, Transunion, and XXXX has inaccurate information most might not even be mine please correct the inaccurate information ... .. Violation cra
Product: Debt collection

I owe a tax debt to the XXXX of Kansas. They hired IC Systems to collect this debt. On XXXX XXXX I setup a payment arrangement with them for XXXX per month. I owed {$3500.00} in taxes and they are charging me {$4800.00} with penalties and interest. I have made 4 payments for the full amount plus XXXX in tax refunds they kept. As of today XX/XX/2023 they say I owe {$2900.00}. They are not applying the debt to the tax amount first and charging me {$300.00} a month in fees. This is criminal and they cant explain this to me. I called XXXX and they told me they can charge whatever they want. XXXX put a lien in my home and this is just a pure scam. The state has a huge tax surplus and XXXX sure some of this money is coming from this collection activity. I will report this to all the news station until someone stops this from happening to hard working taxpayers
Product: Debt collection

Just today, I asked, yet again to only be communicated with in writing and the lady told me she would call again later rather than honor my request to follow up in writing. So many phone calls and I keep asking for only written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian credit report XX/XX/year> and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The accounts, names, address, Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum accuracy of reported information. However, the details of this account contain multiple discrepancies and errors, violating federal reporting guidelines.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXXXXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX  - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXThe following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX  The following inquiry was no and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX XXXX Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. Unauthorized XXXX and XXXX accounts have been opened in my name without my knowledge or consent. Below are the details of the fraudulent activity. 
I first became aware of this fraudulent activity in XX/XX/year> when I checked my credit report.I did not authorize these accounts, nor have I benefited from any services provided by XXXX or XXXX. 
I request that XXXX and XXXX remove any fraudulent accounts from my name, correct any inaccuracies on my credit report, and confirm in writing that I am not responsible for any charges. I also request that all collection activities related to these accounts cease immediately. 

Collection : 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