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

A charge of {$170.00} to XXXX XXXX on XXXX XXXX, XXXX appeared on my XXXX XXXX, XXXX thru XXXX XXXX, XXXX statement. I contacted the bank upon receipt XXXX XXXX, XXXX. I spoke to XXXX and she told me she would open a case file ( case # XXXX ) She said she would send me forms to fill out and mail back. In the meantime I contacted XXXX and was told that they could not provide me with any information regarding the account the money was posted to. They did verify that it was not credited to my account. I called the bank again XXXX XXXX, XXXX and was told that paperwork was mailed to me the previous week. I did not receive anything from them until I received a letter on Saturday, XXXX XXXX, XXXX that was dated XXXX XXXX, XXXX. This letter stated that there was nothing in my account to indicate that the transaction was unauthorized and that if I disputed this I should fill out the Written statement of unauthorized debit '' form and mail it back to them. I filled out this form, signed it on XXXX XXXX and mailed it back in the envelope provided. I never received a response from this and upon receiving my next statement I called them on XXXX XXXX to inquire about what happened. The person I spoke to that said she would research it and I could call back later that day to find out what happened. A few days later I received a message on my voicemail from the XXXX M & T bank about something else. At the time I thought she was calling me about my claim. She only wanted to know if I wanted to open other accounts ( the nerve of them after treating me so badly ). When I realized that it was not about my claim I contacted the bank again on XXXX XXXX, XXXX and was told that a letter had been sent to me dated XXXX XXXX. As of XXXX XXXX I had not received that letter. At that time I was told that I needed to write a letter to the dispute department to reopen the investigation. The next day I went to the XXXX XXXX and asked them to pull up my account. They pulled up a letter dated XXXX XXXX that I never received. This letter said that they had done a thorough review of my account and nothing in the record indicated that the transaction was unauthorized or processed improperly. At that time I asked to bank rep. to fax my request to reopen fraud investigation. I don ; : t think that the bank has been honest with me regarding this investigation from day one. Every time I called them they told me that they had sent me something and I never received it. They have my correct address so I don ; : t know why I never got letters they said were sent to me. This is a XXXX account and I never pay my bills from this account. I only use this account to purchase special items for myself and my grand children. I have spoken to friends and family about this situation. They told me that when this happened to them they were told to close out the account. M & T never told me that I should close out the account to avoid additional fraud. {$170.00} may not be a lot of money to some people but when you are retired and on a fixed income it is a lot of money.
Product: Credit reporting or other personal consumer reports

I urge you to rectify the inaccurate information on my credit report by promptly removing the fraudulent details mentioned. The listed home addresses are not mine, and I request immediate correction, emphasizing my accurate address at XXXX XXXX XXXX XXXX, NY XXXX. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX and XXXX XXXX XXXX, XXXX, NY, XXXX.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.
Product: Checking or savings account

We signed paperwork adding my name to an account back in XXXXXXXX XXXX XXXX at the bank branch, and it was confirmed it was done. This however never happend until XXXXXXXX XXXX XXXX. I was told that this was a negligent part by them. This is affecting me obtaining a mortgage now because the account was not in my name for atleast 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : The status is incorrect for the following account 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

Un authorities inquiries will like them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I sent out a Debt validation latter to Debt Rec Sol for the amount of XXXX and still nothing from them.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX A Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a auto loan with USAA. USAA states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from USAA removing the fraudulent lien on the vehicle, and have a recording from USAA stating I never opened a loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the fraudulent items and request the Credit Bureaus to remove them completely from my Credit Report. I have bee sending multiple letters attached with complete proofs of my identity as well as the ID THEFT REPORT I received from the FTC. However, it has been brought to my attention that the XXXXredit Reporting Agencies are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If the Credit Bureaus choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge : 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 XXXXXXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/2021. The last letter I sent requests the Credit Bureaus to send me copies of documents bearing my signature to prove the Credit Bureaus ' claims regarding the fraudulent items, which they have failed to do so and yet continued reporting the disputed items. This action by the Credit Bureaus is a clear act of violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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: Checking or savings account

Capital one received my direct deposit. They had a power outage at one of their third parties so theyve held my funds since Thursday of last week with no explanation or timeframe on when it will be fixed. Ive reached out multiple times. I was hung up on today. My insurance is now late, my rent will be late, my phone is turned off. I need help
Product: Mortgage

On XX/XX/2020, I reviewed my Uniform Residential Loan Application over the phone with my loan officer, XXXX XXXX. During this phone conversation, we had a conversation that explicitly and unequivocally confirmed my occupation as a XXXX XXXX, which XXXX made sure was accurately written on two different places on my application ( bottom of page one, and top of page two ). I proceeded to review the final draft of the application and then sign it, indicating I agreed with all of the information on it and that there were no errors. 

KeyBank ( XXXX XXXX ) then offered me rate of 2.625 % / APR 2.733 %, which I locked on XX/XX/XXXX. They issued me a loan estimate to reflect the lock-in. Four days after the lock-in, on XX/XX/XXXX, my loan officer XXXX XXXX called me to say he was very sorry, but he would have to increase the rate they were offering me, despite the fact that I had signed a lock-in. 

XXXX XXXX XXXX reasoning was that the rate he offered me was based on him mistakenly looking at rates offered to a DIFFERENT professional occupation from my own. This is despite the fact that my signed, finalized copy of the Uniform Residential Loan Application explicitly and unequivocally states my occupation, and does not anywhere state that I work in the DIFFERENT professional occupation he mistakenly believed I was in. 

Again, this is the finalized copy of the Uniform Residential Loan Application which he and I went over line by line together, and which I signed and confirmed to be accurate before I was offered the rate I locked in. I believe KeyBank and XXXX XXXX are breaking the TILA and therefore the law.
Product: Mortgage

On XX/XX/XXXX I agreed to loan consent and started the refinance process. On XX/XX/XXXX I paid the up front fees and signed my disclosure. I uploaded all required documents and my home was appraisal was made available to me on XX/XX/XXXX. XX/XX/XXXX I was contacted by my loan processor, who informed my loan application status was in review. On XX/XX/XXXX my loan approval package was available to review and was signed electronically. XX/XX/XXXX I was told my status was XXXX XXXX XXXX  Approval Final from my processor and was updated on title work was beginning. XX/XX/XXXX title found a judgment against my ex-husband that was paid and fixed. XX/XX/XXXX my loan was still in XXXX XXXX XXXX Approval Final from loan processor. XX/XX/XXXX loan processor let me know my file was in underwriting. XX/XX/XXXX updated by loan processor that my loan was XXXX XXXX XXXX Approval Final- file is in underwriting. On XX/XX/XXXX they pulled my credit for a second time, without informing me that they were going to pull my credit. I gave permission on XX/XX/XXXX for my credit to be pulled, which it was, however, I was never told my credit would be pulled again. That left me with another hard inquiry on my credit report without being told they were doing so. I only found out, because XXXX/credit updated that my credit had been pulled and was contacted by lender after they found I had opened a new line of credit and they needed information on it. Overall, the communication has been lacking and it seems like 172 days to complete a refinance is excessive and the communication has been lacking on the lenders behalf. I am very disappointed and looking to cancel the loan application. Since they pulled my credit again on XX/XX/XXXX, I am looking at other mortgage companies since it will be within 14 days and wont count against my credit with multiple hard inquiries. I am very disappointed in the entire process and I was already a citimortgage holder.
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. 

Account Name : DP OF EDUC Account Number : XXXX Account Name : XX/XX/XXXX/DOFED Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and list of Inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX  XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Payday loan

The lender did not credit my account principal with any portion of the payments that were made. I found this to be very strange. I continued to make payments and my principal balance went unchanged each time. The principle balance was never credited, not XXXX cent. I began to do research and learned that XXXX offers payday loans that are n't enforceable in the state of Connecticut. This type of loan is illegal in the state of CT and Alliant Capital Management is attempting to collect on a prohibited high interest installment loan.
Product: Checking or savings account

I am in California, we don't have BMO bank branches here but they launched a massive mail advertising campaign and I received a mail with an offer to open CD for 4.9 %. 
I did. 
I needed to withdraw earlier and called to the bank. 

here the saga started. 
XXXX they can't do that efficiently over the phone. it has been a week I still did not get my funds. they lie saying they mailed a check. 

XXXX. They charged principle and this is why I am submitting this request. They never disclosed the penalty they would charge if you terminate earlier. for XXXX USD CD they charged all incurred interest ( it is fine ) and XXXX USD on principle. 

in fact, they charged me XXXX USD in total and I am receiving less than I invested. They sent a check on XXXX USD while I invested XXXX I politely asked them to refund me a principle they charged but branches do not exist, and they hung up when you call.
Product: Debt collection

I am writing to express my frustration over the presence of fraudulent accounts on my credit file, specifically XXXX XXXX XXXX XXXX. Despite filing an identity theft report on Identitytheft.gov, your bureau has yet to promptly address this matter. Other credit bureaus have swiftly validated my identity theft report and removed the fraudulent accounts from their records.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation I would like this item immediately reinvestigated the accuracies are highly injurious to my credit score ( XXXX XXXX XXXX ) ( XXXX # XXXX ) In accordance with The Fair credit reporting act public law 91-506, Title VI section 611, Subsection A-D please provide the names and business addresses of each individual with whom you verify the above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reports a 30 day late without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Product: Consumer Loan

In XXXX 2014 I was in XXXX and was notified that I was to be XXXX. Knowing this I knew that I would no longer be able to pay for the car loan I had. I then called SNAAC to have the car voluntarily repossessed. They got the car a week later and that 's when I started to receive calls to restart my allotment to pay for the car. They told me that if I did not pay my debt that they would then call my commander due to being in violation of UCMJ for not paying my debts. I did not know what they did was illegal until I came across your article.
Product: Credit reporting or other personal consumer reports

Hi, there are several credit inquiries that appeared on my credit report which I do not recognize. I did not authorize this nor given consent to these companies to access my credit report. It is stressing me and making me anxious on why and how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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