23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My son, was staying with me temporarily after his XXXX. He was also in a XXXX doing very well, ( I thought ). A couple of times I let him use my debit card, I was ill, but I always changed the pin # afterwards. But this time he found my new pin # and card and used the ATM to access approx {$570.00} from different atms, in increments of {$60.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, plus overdraft charges. Some more overdrafts charges since I have typed this complaint. If i have not made a deposit by a certain date, I am charged a extended overdraft charge. I just keep getting in more and more debt. My record with firstmerit has always been good to excellent. I recently paid of {$3500.00}, owing 1stmerit {$20000.00} of this amt. I paid the off in 5 years, which I could have just filed bankrupcy, never late in payments. Firstmerit have made mistakes on my mortage payments. 
paying home insurance to XXXX different cos for a year. Could have used that money ( XXXX ) they did pay me back. I have all my bills automatic debited. I have been trying to call them all to not submit the payments now. As of now my acct is over {$1000.00} in deficit and keeps going up and up. 
Right now my son is no longer with me. He 's staying at homeless shelter. I try to remember hes has a sickness. I do know that I have a hard time remembering pin numbers and afer I received a new pin # I misplaced within 24 hours. The customer serv said I do not have to have pin # inorder to use the card. Thats what I intend to do, not use a pin #, much safer. Now, I cant say for sure that I misplaced Pin # or he found it. I have decided to not use a pin # at all. I know I do forget my pin # or misplace it. 
Thanks for your help. I dont get another chk until XXXX/XXXX/15. The overdrafts will take up all ( XXXX ) deposit. More overdrafts charges. 
I 'm retired on a fixed income. 
Thanks good bye
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas 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

These companies completed hard inquiries under my name without my authorization. I do not consent to the inquiries. 

XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX CBCINNOVIS Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX 5 Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I sent Equifax Information Services LLC notifications that the payment history on my credit report is being recorded inaccurately on XXXX separate occasions. Equifax can see that the payment history is wrong and therefore needs to delete the account from my file immediately. I have sent Equifax XXXX copies of the report that came directly from their website. They are continuously reporting this account as verified and updated by the data furnisher. I have attached a copy of the credit report from Equifax 's website and it shows that the payment history is incorrect.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX USA Re : AUTO LOAN Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice - [ ]
Product: Credit reporting or other personal consumer reports

! account number XXXXXXXX Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have provided Equifax Credit Union with All identification documents, police report and a copy of my Federal Trade Commission report. I was informed by agent ( XXXX ) on XX/XX/20 to send in a copy of my police report in order for requested fraudulent activity to be Blocked from my report. Spoke with agent on XX/XX/20 to confirm receipt of requested document. Agent ID # XXXX at XXXX CST stated all documents were received on XX/XX/20. Writer confirmed with Agent that request for the following accounts was received and reviewed. 

Fraudulent Accounts 1. XXXX XXXX 2.XXXX  XXXX 3XXXX XXXX 4.XXXX  XXXX All above listed accounts are a result of identity theft. Has been requested over 30 days ago to be suppressed from my credit profile. Agent confirmed that request was received and reviewed over 30 days ago. Equifax failed to notify me as well as failed to suppress Fraudulent activity from my credit profile
Product: Payday loan, title loan, or personal loan

When pre-approved for the loan on XX/XX/2021 for {$9000.00} to use to pay off credit card debt, it was not mentioned in the application process or pre-approval notice that my current loan with them ( XXXX ) would be paid off first and the remaining amount be distributed to me. Because of this I have hard credit pulls for a loan that I am no longer willing to take. If I would have known this prior to submitting the application, I would not have completed the application process.
Product: Mortgage

On XX/XX/XXXX, I wrote Green Tree Servicing , LLC. to correct the property address on all my statements going forward, and as of today, they have refused to make that said correction. The property address shown under account number XXXX ( first mortgage that they have recently acquired from XXXX XXXX XXXX, XXXX ) is : " XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX '', and under account number XXXX ( 2nd mortgage ), the property address is shown as : " XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. The correct address is " XXXX XXXX XXXX XXXX, XXXX, CA XXXX ''. I have been paying for this property since XX/XX/XXXX, and I would like to make sure that the bank is not doing anything fraudulent by not putting the correct address on homeowners ' records. I had wondered in the past why XXXX XXXX XXXX XXXX had allowed correction on XXXX Deeds using liquid white outs. Please help homeowners, like myself, protect our assets by making sure we are not victims of mortgage frauds. 

Green Tree Servicing Loan, LLC has also been incorrectly reporting the actual amount of money received from homeowners. I have recently paid {$560.00}, but they only show {$460.00} as " last paid amount '' on their website.
Product: Debt collection

I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the FCFIA and the fraud needs to be removed immediately, or further legal action against the credit bureausmany thanks for considering my request.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any knowledge on this matter, and the company acted without my permission.
Product: Credit card or prepaid card

Capitol One reported to me that my Social Security XXXX information was compromised in XX/XX/2022. They didn't offer any further info.
Product: Credit reporting or other personal consumer reports

I opened my XXXX XXXX in my XXXX  XXXX App on XX/XX/XXXX to see an inquiry made on my account through XXXX  XXXX and XXXX on XX/XX/XXXX. I also saw another inquiry a day later through Experian. I did not authorize any kind of inquiry and XXXX XXXX and XXXX in particular has been giving me the run around with the dispute process. The damages resulting from the negligence of these parties have been a XXXX point dip in my XXXX XXXX.
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, 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 an account without my written instructions
Product: Credit reporting

I noticed that on a recent credit report, it had an address listed for me in XXXX where I had never lived, so I 'm not sure why this address is showing up on my credit report.
Product: Credit reporting or other personal consumer reports

This is regarding a on line dispute I submitted with Equifax on XX/XX/XXXX regarding credit accounts. However on XX/XX/XXXX Equifax closed the dispute ( report # XXXX ) and reported The Creditor has verified to their company that the balance is being reported correctly, despite the fact I have provided the paid in full letter from XXXXXXXX XXXX to Equifax to support the disputed wrong balance reported by Equifax. 

The accounts were paid in full to {$0.00} balance. 
XXXX. ) XXXX XXXX  # XXXX - In paid balance in full {$3000.00} on XX/XX/XXXX. I also provided to Equifax supporting evidence of a paid in full letter I received from XXXXXXXX XXXX  dated XX/XX/XXXX. Equifax has incorrectly updated my credit report dated XX/XX/XXXX as follows : XX/XX/XXXX balance {$3100.00} which is wrong, should be {$0.00}, last payment date XX/XX/XXXX, which is wrong, should be XX/XX/XXXX, last payment amount {$95.00}, which is wrong, should be {$3000.00}, date of last activity XX/XX/XXXX, which is wrong, should be XX/XX/XXXX, historical data for XX/XX/XXXX showed {$3100.00}, showed for XX/XX/XXXX {$3000.00}, for XX/XX/XXXX no data shown, for XX/XX/XXXX showed {$3100.00} ( same balance as in XX/XX/XXXX. 

XXXX. ) XXXX XXXX XXXX ( XXXX ) I paid this account to {$0.00} balance XX/XX/XXXX. I provided supporting evidence to Equifax as well with my dispute. Provided a copy of paid account invoice for my on line account with details of payment. Despite providing proof of payment Equifax has updated my report with the same wrong information reported activity was XX/XX/XXXX, balance {$650.00} on XX/XX/XXXX.
Product: Bank account or service

Not receive the right amount of money each month on my cards I know it are fraud going to report it to law system
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I filed complaint # XXXX with all necessary proof attached to that complaint. It reads as follows : In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9.  XXXX XXXX 10. XXXX XXXXl XXXX Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XXXX/XXXX/XXXX by CFPB complaint # XXXX that I questioned the accuracy of a few items on my credit reports. That request was written by me and sent by menot a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated [ insert todays date ] is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter, thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately.
Product: Mortgage

In XXXX XXXX, I obtained a $ XXXX home equity line of credit from Bank of America ( then XXXX Bank ). Unbeknownst to me, the terms of this HELOC were : 10 year draw period followed by a balloon payment, with no repayment period. The typical terms for most home equity lines of credit are a 10 year draw window followed by a 20 year repayment period. During the financial crisis of XXXX, I was forced to max out the line of credit due to financial hardship from unemployment. When the 10 year draw period came to an end in XXXX, BofA ( Bank of America ) wanted a $ XXXX balloon payment. I did not have $ XXXX saved up to make a balloon payment. Also, my loan-to-value ratio prevented me from qualifying for a refinance. This situation forced me into a modification agreement with BofA. During the modification trial period, my credit score suffered collateral damage by dropping XXXX points even though I continued to make timely payments to the line of credit. The modification was completed in XXXX XXXX with the following terms : 180 months, fixed payment of {$380.00}, fixed rate of 3.25 %. Fast forward 7 months, it 's now XXXX XXXX. I receive another package from BofA with new modification closing documents. I call BofA for an explanation. The rep said there were minor changes to my agreement that amounted to my payment adjusting in small increments based on the number of days in that particular month. I specifically asked if I still had a fixed rate of 3.25 %. I was told Yes. I then said I would n't sign documents until the terms were appropriately reflected in the new paperwork. In response, I was told that 's not possible and furthermore, that if I did n't return these documents, my modification agreement would be void. Hesitantly, I signed and returned the modification documents. Fast forward another month to XXXX XXXX. I receive my first statement from BofA post the new agreement. My payment jumped from {$380.00} to {$490.00} and there 's also a note stating that in the next billing cycle, my rate will jump to 3.75 %. 
I am beyond appalled. I was blatantly lied to and taken advantage of. For starters, I should have never been put into the situation of needing a modification in the first place. If Bank of America would have put me in a consumer friendly product like most lines of credit that have a repayment period built in, then this entire situation would have been avoided. Now for them to force me into signing a 2nd set of modification documents that were purposely vague, confusing, and misleading is beyond sleazy. This situation is deserving of corrective action on the part of Bank of America.
Product: Mortgage

Back in XXXX I had a mortgage with XXXX XXXX of {$96.00} dollards, XXXX XXXX  was been investigated for fraud. In XXXX this bank recorded with the county clerk of records of Florida a {$160.00} XXXX mortgage this mortgage was a fraud, was never advanced to me at this time XXXX XXXX  was found guilty of predatory lending it was orded to close all fraudulent accounts and XXXX millions dollars penalties, on XX/XX/XXXX this bank was last day in business.this bank send me the ORIGINAL PROMISORI NOTE ( blue ink ) and A MORTGAGE SATISFACTION ( blue ink ) plus a tax number for me to pay my own tax. They sent this documents to me following the federal investigation orders, after they sent theses documents I received a letter asking me to sent my monthly payments to U.S BANK. this mortgage was never assigned or endorsed to this bank, they enforced this mortgage with not even a single legal document. I have sent all my payments to them since XXXX I have asked them for copys of the assignment from XXXX XXXX  and they sent to me a fraudulent assignment from XXXX DONE ON XXXX they went to Wisconsin XXXX XXXX of XXXX they ILIGALLY RECORDED. in XXXX and XXXX XXXX  WENT OUT OF BUSSINESS IN XXXX.i stopped this payment on XX/XX/XXXX I told them I was going to have them investigate them and that after that my lawyer was going to contact them, the got scare and they suspended this mortgage they sent me a check for {$230.00} dollards XXXXXXXX XXXX and XXXX dollards suspending this account, I have all documents to prove this case.I 'm looking for a LAWYER at this time. Thanks.
Product: Checking or savings account

on or about XX/XX/XXXX my account was overdrawn. I froze it as there were XXXX XXXX XXXX charges on it that were fraudulent. Upon freezing it the bank blocked the child support deposit, but I stated I wanted deposit only -- which they failed to do. Upon doing that there were overdraw fees stapled with over XXXX of bank fees due to their mistake. I switched the monies over to different account. I tried to close it soon after, as I was getting notices again, of money being owed. On or about XXXX XXXX I had XXXX in that specific account. I called and tried to close it and they said it had a minimum of 6 months or fees would be put on -- I left the money in it ... now they are stating that I owe XXXX. XXXX with more fees -- and I have not used this account and it is still frozen. No monies should be taken out -- and no fees should be put on it. They have made so many mistakes, and I have spoke to numerous mangers and upper position bankers -- they returned and reversed monies more than once -- but continue to add fees and make mistakes. I believe now they submitted it to a collection agency. They are doing this with fraud and with mistakes it is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from your firm stating that my letter requesting verification of erroneous items on my report has been classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous or irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed ( DATE SENT ) via certified mail, I will file a complaint with the Federal Trade Commission against your company. 
I have included my original disputes for your convenience below : The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
1. This account does not belong to me. 
XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it.
Product: Debt collection

I started disputing inaccurate information by sending letters to the credit bureaus ( XXXX, XXXX, and XXXX ) and discovered an old account XXXX XXXX XXXX XXXX XXXX ) which was opened on XX/XX/XXXX close to 30 years ago ( with my ex-military spouse and somehow now it's showing up as my debt ) along with some others reporting negatively against me on XX/XX/XXXX, and again over 30 days later XX/XX/XXXX and the account until this day is not verified and the information is inaccurate and conflicting. The account Is charged off and showing both closed and open at the same time and the balances are all different ( {$10000.00}, and {$10000.00} ) Upon disputing this particular account, I started receiving phone calls from a third-party vendor ( Transworld Systems , INC or TSI ) who stated I needed to set up a payment plan or hardship with them with no proof at the time and then also started getting letters from the Social Security Administration who started garnishing 15 % of my check for the same amount that Transworld is demanding as well for {$230.00} on XX/XX/XXXX and the original amount was XXXX for this same account that TSI was calling me about. I feel like my rights were violated by failing to provide validation within the allotted time frame ( Pursuant Regulation F, 12 CFR 1006.34 ( c ), 15 USC 1692g ( b ) from the date I sent the first letter. My rights have also been violated under 15 USC 1666b and 15 USC 1637 ( b ), 15 USC 1681s-2, and 15 USC 1681 s-2 ( a ) ( 1 ) ( A ).