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

There are several accounts on my credit report that I have no knowledge about
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 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: Payday loan, title loan, personal loan, or advance loan

I entered into a agreement to have several facial treatments with XXXX XXXX  in XX/XX/XXXX. They immediately started billing me although no services were rendered. I contacted XXXX, but was told to make an appointment for treatment which I did in XX/XX/XXXX. I only had one treatment but the experience was awful. The technician used an ineffective XXXX XXXX  to numb me before XXXX XXXX XXXX The XXXX  felt like hot coals and I suffered excruciating pain during and after the XXXX XXXX. I further omitted and had XXXX  for a few days. I couldnt even touch my face, it felt like it was on fire. 

A few days later, I called XXXX XXXX and told them that I would discontinue treatment and that they should stop billing me. I would pay for the service used so far, but felt that this type of treatment wasnt for me. They apologized and convinced me to give it a second chance and that they would use a different numbing technique, so I begrudgingly made a second appointment in XX/XX/XXXX, which was subsequently cancelled. 

I am now paying for a service I can not use and they are refusing to discontinue billing. I first called Ally, the company thats been billing me monthly since XX/XX/XXXX for {$97.00}, but ALLY referred me to Laser Away. When I called XXXX XXXX  they referred me back to Ally. So apparently, Ive been caught up in some sort of scam or catch XXXX situation. I dont know what to do. Ally recently sent me a notice stating that if I dont pay the full balance of {$730.00} by XX/XX/XXXX, they would start adding interest to my payments. So I am really motivated to resolve this as soon as possible. 

Allys contact number is XXXX and XXXX XXXX XXXX XXXXXXXX. 

Is there anything you can do to help me.I can be reached at XXXX. 

Thank You
Product: Checking or savings account

Close to XX/XX/2021 I opened a dispute for a ACH transaction. I received a letter in the mail and is more than 10 days and I havent received temporary credits for the transaction and overdraft fees charged by US Bank. 
I called again and they said that they are going to reopen the dispute, I dont understand why I have to reopen a dispute that was opened before. 
Now I see a transaction for {$360.00} with a name of Forced Post ACH, I dont understand what is this transaction for, I havent provide that information to anyone.
Product: Bank account or service

I am writing to inquire assistance, if possible, on recovering some funds that were charged to us by BMO HARRIS, XXXX WI. I am writing per the Consumer Financial Protection Act that was created in part to protect consumers from Unfair, Deceptive or Abusive Practices. 

Several years ago I opened for my young son a savings account for which I was the custodian. My son turned XXXX on XXXX XXXX 2015. BMO Harris did provide quarterly electronic bank statements. I admit that I did not look at them too closely, as for the past few years, there was not much activity on the account. As I went to close the account last week, to my surprise, the bank gave me the balance minus {$40.00}. They explained that the {$40.00} charge was related to 8 monthly maintenance fees worth {$5.00} each, that started when my son turned XXXX in XX/XX/XXXX ( XX/XX/XXXX - XX/XX/XXXX ). I explained that I never received any letter or warning about the change and they responded that it was their usual practice. 

I am aware that their website provide explanations of the rule. Indeed, much information is laid out on their site for customers to search and read. However, I know that it is customary for financial institutions to send notifications when a change occurs on an account. I had a bank account with XXXX XXXX who sent me a notice about starting charging fees due to inactivity on the account. I went to XXXX XXXX and closed the account. The same situation occurred with my wife and XXXX XXXX. 

I am inquiring for assistance as I do n't believe that their practice is fair and conducive to a clear and transparent business relationship between the bank and the customer. This is an omission on their part that gave me no choice and that is totally one sided. This is an omission that benefits them only and leaves me with no option than bearing the cost. If I had not decided to close the account, they would have emptied the account of the funds and then they would have sent me a notification for non-payment of additional maintenance fees. There is something wrong with this practice. Therefore, on one end, they send no notice or warning before any change on the account and before charging any fees ; and on the other end, they would readily send me a notice demanding that I pay fees after having emptied the account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

I sent certified letters on XXXX. The letters was received on XXXX. They state that they have verified the information with the party. But I have certified letters from the party stating otherwise and I also have a security freeze.
Product: Mortgage

I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?
Product: Mortgage

XXXX has admitted in writing that they failed to manage my escrow account by allowing a lower rate flood insurance to expire after taking over a loan in XXXX and not notifying me of any issues until XXXX after the policy had already been cancelled by insurer. 

I will not pay a higher premium due to XXXX 's negligence in managing this account. They have brazenly threatened to impose financial penalties on my account without acknowledging their system failures which exposes me to unlimited financial risks.
Product: Mortgage

In XX/XX/2023 I bought a home with a street address. Today I got a call from the post office stating my address had changed. When I called my county office that gives out addresses they told me that the address had changed in XX/XX/2023 before I bought my home. My mortgage lender is Pulte. They did not inform me of this and still to this date have not contacted me.
Product: Student loan

I 'm a Navient customer I went to XXXX College XXXX which lied to me about their accreditation. I did not find out that they were not accredited XXXX until I applied for my XXXX Degree at another University. I was denied due to the non-accreditation. Apparently, XXXX College was only accredited by XXXX at the time which most Universities do not accept. However, I was making payments on time for about two years on Federal and Private Loans. All payments were current and fully paid. Without my knowledge or approval Navient took my private loan from XXXX. I did not learn of this until I noticed that I was no longer receiving my billing statement from XXXX. I then made calls and was then informed that both accounts were being serviced by Navient and I was delinquent. I called Navient which worked out a payment plan to bring my account back to good standing. I asked for the XXXX seperate account number so that I could write a check to both accounts each month. Navient refused to give me XXXX seperate account number of both accounts. They told there was no need and that they would split the payment. I agreed and complied with their instruction to send a single check for both loans. A few months past and then again I was notified that I was delinquent. I called Navient again and they informed me that I had not made a payments on my second loan. I repeated to the representative what I was told me on the previous call, to send a single payment for both loans. I was then told that those were incorrect instruction. I told him in full and complete compliance of what the representative told me. I informed him that previous agent gave me disinformation and asked to remove all late fees, any penalties, and to restore the original interest rate. They refused. I asked for a copy of my signed contract and they refused. I was so angry I hung up and I refused to pay as I felt I was being taken advantage of and scammed twice by Navient and by XXXX College XXXX which claimed to have a 95 % success employment rate in the industry. These are all lies to steal money and entrap students in unfair high penalty loans. I can not find a job in the industry as I 've applied over a XXXX positions. This is really has destroyed my confidence in our society. I live in deep despair, mistrust, and hopelessness each day. I wish no one else to go through this.
Product: Vehicle loan or lease

I have a loan through Westlake Financial Services that was opened in XXXX of XXXX. The loan is for a XXXX XXXX XXXX XXXX. I had obtained this via XXXX XXXX XXXX in Pennsylvania. On XX/XX/XXXX at around XXXX EST I had called out to Westlake Financial due to an emergency and needing to see if I could have my XXXX payment deferred. After speaking with XXXX XXXX for a while he did agree to defer the payment and had me and him sign an agreement/contract stating my payment would be deferred. I had to pay a XXXX $ payment towards it and I did that. I was told via voice, and the print out of the contract that my payment for XXXX would be deferred and I wouldn't owe it until XX/XX/XXXX. I had figured everything was okay. A few days later Westlake called me saying I was late with my payment. I explained that I had been approved a deferral and I was told that was false I was not they had no idea what I was talking about. I asked to speak to a supervisor and was hung up on it. This has continued every day multiple times a day causing extreme anxiety and I have missed doctors ' appointments because of their harassment towards me in regard to this. I told them today that I had filed complaints because of this and the woman laughed at me telling me there is NO way I had a deferral approved. I do have it printed out, as well as downloaded. I am very upset they continue to call, and have told me that it will be reported as late to the Credit Bureau the XXXX. They also will repossess my car as of XX/XX/XXXX. I have no idea what to do at this point besides this, the banking XXXX and getting in touch with an attorney personally. I do know they have had plenty of lawsuits that they have lost for improper collections, inappropriate repossessions, and other crimes. Please help me stop them from bullying and scaring me.
Product: Checking or savings account

When I initially called Wells Fargo after my purse was stolen on XX/XX/XXXX XXXX, reporting fraud and identity theft, no claim was submitted. I asked the Wells Fargo rep what I should do if my purse was stolen XXXX  license and bank card. They said freeze account, so I did. When checks were cashed fraudulently, the next day I called again and was given claim # and I filed a customer complaint, as the rep I talked to did not do anything to protect my account and they mislead me. They admitted the error and that my account should have been closed. nothing has happened with my claim last Wednesday and the next rep had no record of fraud or a closed account. I filed a new claim has begun Sat the XXXX, after initially reporting claim on the XXXX collections has gotten back to me, but the fraud claims has failed to do so. I have a hard copy of the check submitted and returned fraudulently, persons name is easy to XXXX  and find that they are deceased. A teller called me reporting suspicious activity as this person drove through teller wearing a wig trying to cash a check on my account. Had my account been closed properly or even frozen the checks wouldnt have been put through by this criminal
Product: Checking or savings account

The Bank America ; XXXX XXXX XXXX, XXXX, FL XXXX : closed my checking account Closed for cause ; suspected fraud activity. Closed date : XX/XX/2022 I deposited XXXX checks each XXXX {$1000.00} the total is {$5000.00} from western XXXX XXXX XXXX XXXX XXXX XXXX on date XXXX. Bank America frozen the funds while they review the transactions and validate the source of funds. I provide the sources of funds to them. And they dont answers to me. And they reported to early warning so, I cant open another checking account in another bank.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found many fraudulent charges that are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate and unverifiable information on my credit profile. I have reached out to dispute this information and they said the information was verified. I have reached out the court and they furnished me a letter stating they have not verified nor reported any information any credit reporting agencies.
Product: Credit card or prepaid card

My living spaces/synchrony bank store credit card was closed out with a balance on XX/XX/22. I have never missed a payment, made large payment to pay off balance before the promotion expires. Synchrony has failed to notified me of the closing of my account, two statements were sent to me XXXX for XXXX and XXXX for XXXX but no closing account letter. I called them today, XX/XX/22 to ask why the acct was closed and was the account sold to a new creditors. The agent had no answer to my questions besides saying even tho the acct is closed I must continue to pay my loan because I agreed to pay it, which is correct however I didnt agree to my account closing and paying on a closed account balance which may have a negative impact on my credit. Scnchrony bank is shady and bending laws and regulations to meet their shareholders expectation and not the consumers. Im requesting an investigation into this banks policy and practices and lack of notification for closing an account
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Bank of America # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/2024 I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I have disputed the accuracy of this account with Equifax several times. I have never been late on the XXXX XXXX account. Equifax alleges that XXXX XXXX verified the account. My last dispute Equifax removed all payment history except for the 2 alleged late payments. How are they able to validate only 2 late payments that are coincidently adverse to me but not any good history? If there is no data on several other months how is there data here? I want the dates/names/titles/ of those that verified it so I can properly investigate.
Product: Mortgage

This lender caused me to lose {$7500.00} on a deal due to the fact that he qualified me for a loan that was never qualified for. He asked me to provide income for an income that did not exist and he carried the process out for 3 months only to end up with a denial. The seller filed a claim on the escrow funds and now I am without the house as well as the funds lost. His communication was terrible, and he showed no concern or empathy for the trouble that he caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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