23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my wallet was lost at the XXXX XXXX. Once I got home I realized the there 3 charges that were not authorized. They were in the amounts of XXXX, XXXX, and {$53.00}. I called Chase to cancel my card and issue a credit. They issued a provisional credit within a reasonable time. On XX/XX/XXXX they reversed the charges and withdraw the money from my account. I would like to issue a protest that I did not authorize these charges and would like my money back. The thief 's took money from another one of my checking accounts and I have not had an issue with them getting my money back. I would like to get these charges reversed and added back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX, XXXX. 
Under Dispute XXXX XXXX XXXX Under Dispute XXXX XXXX SERVICING Under Dispute XXXX Under Dispute SXXXX XXXX XXXX Under Dispute XXXX  XXXX XXXX XXXX Under Dispute The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1955 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

After using my US Bank debit card for purchases at a liquadation warehouse sale items {$26.00} purchased were defective, and did not work. Contacting US Bank with the details by phone opening a dispute with bank several times via telephone fax and letters US Bank did not dispute my charge as requested. 

The dispute department continually asked for documents repeatdely. I submitted the faxes with documents three times each time the US Bank invented a another request. 

Now after repeated submissions the bank did not reply with the outcome nor provide copies of merchant receipts. I would like assistance as US Bank has taken ther approach that they do not have to protect their clients from unscrupoulos merchants!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account closed out in XXXX the status of the account was paid and closed. Within this year I asked a credit repair service to reach out about missed payments and mysteriously XXXX years worth of collections were reported. I was never notified of the issue with the account which could of been corrected prior. I reached out to XXXX XXXX ( XXXX XXXX XXXX about the inaccurate reporting and agreed to settle account for deletion due to inaccurate reporting. This account was reporting paid and closed for XXXX years until I inquired and XXXX  years of late payments appeared when I had no knowledge of any payments were due or not collected before closure of account.
Product: Debt collection

On XX/XX/XXXX I was contacted by an agent XXXX XXXX from Medicredit for XXXX accounts that my wife had in collections from XXXX  XXXX. Those are XXXX and XXXX for XXXX & XXXX. I was not going to deal with them directly because they are horrendous at calling daily over 3 to 4 times a day. But XXXX went to his manager and offerred me a setttlement offer for a totsl of {$880.00} Relunctantly I agreed given the word that this would be removed and the accounts be closed. The agent made a mistake in his computer and called me back 2 days later to tell me he did not process the payment correctly and asked me for a check by phone. Both of these calls were recorded, the accounts were notated and the information sine dealing with HIPPA the agent notes can be seen by the original creditor XXXX  XXXX. Medicredit has denied payments were sent and asked me to repeatedly send in the deposited checks from my bank of which I have sent to them 15 times. The day the agent XXXX took the payment one of the accounts was transfered back to the original creditor whom deposited the check. Now we are in XX/XX/XXXX and no one calls me back from both, I am being bombarded with harassing calls and every agent is giving me the run around. The calls are all recorded and the notations are there on the account. Now if this is not resolved I am now having to seek legal representation to take care of something that was promised to me. I gave them my hard earned money on their word and they both are failing to stop collections activity on me. My credit score is dropping daily because they keep fighting me on the account. I have reached out to all bereaus and filed claims but thsi horrendous creditor fights each dispute with verocity. This is illegal for them to take money and not resolve their own issues when each call is recorded. I am reporting them because I have all my documents on each call made and person I have spoken to at both Medicredit and XXXX  XXXX. 
Do not ever give these people money unless you have something in writing. This has been a nightmare since day XXXX with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : 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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Fair Credit Reporting Act, Section 609 2nd request Dear Credit Reporting Agency TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Previously when requested verification, you failed to verify this account. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022, I entered into a Deferment Agreement with XXXX Mortgage. The agreement was to have all missed payments and fees moved to the end of the loan. I would have to make a payment of {$1200.00} and sign paperwork and send it by email. I signed the paperwork, emailed them to XXXX XXXX, a client service representative. I also spoke with XXXX and made the payment {$1200.00} and received a confirmation number of XXXX. It took more than 14 days for the deferment to process. When I received the first statement after the agreement XX/XX/2022 ( for XXXX payment ) the deferment did not appear. I called and spoke with XXXX and she insured me that once it mailed the deferment would show. When I received the Monthly statement for XX/XX/2022, it didn't. Then when I received the XX/XX/2022 statement it showed the deferment but there was a fee of {$2500.00}. Under item 4 on the deferment it stated that " any late fees will be waived by the Servicer ''. When I contacted Truist with several calls and emails regarding the fees being deferred they said they were fees from XXXX XXXX XXXX XXXX  before the merger. The fee amount changed during the deferment and portions forgiven. Why wasn't the remainder forgiven or deferred?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Product: Credit card or prepaid card

I was using a Citibank or Citicards credit card, Citi DiamXXXX Preferred Card for my New York XXXX XXXX membership ( the club has been closed due to the Carona Virus lockdown since XX/XX/2020 ) and the monthly fee for my passport membership was {$54.00}. New York XXXX continued to charge in spite of their clubs closing and I called Citicards repeatedly to dispute the charge. The first time I called was XX/XX/2020. I was told by Citicards that they would look into the dispute and credit my account for the amount of {$54.00}. That never happened. Instead for the charge ( which I had disputed ) due XX/XX/2020 they added a late fee and began calling me leaving messages to collect a debt. I went in and spoke with a bank XXXX at Citibank XXXX XXXX ( that's XXXX NY on XXXX XXXX, XXXX XXXX who spoke with Citicards on my behalf. He said he was able to get the dispute reinstated and get rid of the late charge and that he was then closing the account. He asked me if I wanted him to shred the card and I said yes. He shredded it. He told me he was ordering new cards be sent to me. But Citicards continued calling and sending mail to " collect the debt ''. There was never any communication to me by Citibank about the dispute I had opened. I called Citicards yet again on or about XX/XX/XXXX. They assured me that the first person I had spoken with there didn't follow the proper steps to open a dispute and that the calls and e-mails would eventually stop. On that call Citicards also agreed to open up a dispute about the next charge by NY XXXX XXXX which was due on XX/XX/XXXX. Citicards continues to call and send e-mail about the debt daily with no communication with me regarding either of the disputes I've opened up, or at least the disputes which Citicards has told me on the phone that they've opened up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid to h hospital, they have hung up on me, calling me a liar. I have perfect credit meaning I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the right to privacy.

15 USC 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.
Product: Mortgage

The servicer on my home mortgage failed to do an end of year escrow analysis, against the law, and when I called them out on this and requested my escrow accounts to be cancelled due to their negligence and failure to follow the law. 

They immediately did an escrow analysis and sent me the overage in the account but did not close out the account as requested and return all of my escrows. 

I have no faith in their ability to follow the law and service my mortgage appropriately and would like my escrow account closed and all funds in the account returned to me. 

Again, to reiterate, Lakeview did not do my required end of year escrow analysis UNTIL I called them out and requested to cancel my escrow account on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are INACCURATE AND UNVERIFIED. I have no acknowledgment of the accounts. I have enclosed a request that you reply within a reasonable amount of time. 
Based on XXXX5 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that results from an alleged identity theft, not later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) By the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Someone did fraud with my credit. They even got unemployment funds in the amount of XXXX when I was in XXXX! All of this is holding me up from getting an apartment so I dont have to sleep in my car. I need all these items deleted so I can move on with my life and be a father to my children
Product: Credit reporting or other personal consumer reports

Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
XXXX has XXXX piece of information while XXXX and Experian report total different information. XXXX says XXXX open accounts XXXX closed ; XXXX says another amount listed as well as Experian for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and XXXX XXXX has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( XXXX ) XXXX XXXX XXXX and XXXX Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.
Product: Checking or savings account

I opened a bank account with Bank of America about 4 weeks ago. A personal checking, as I have a newer job and wanted a new account for my direct deposit. About 4-5 years ago my friend and I owned a small business, unfortunately due to Covid-19, we were forced to lay off everyone and close the companies some time ago. Bank accounts were emptied to pay what bills we could. The companies were both Limited Liability entities. Last year I received a call from BOA regarding the balance owed on these credit cards, I explained in detail that I myself was on unemployment and that there simply was no money left to pay them at this time. They understood and noted my account, I had not heard from them since. BOA states they have sent me numerous pieces of mail since then regarding this debt, but have no proof these were delivered to me, as they were not sent certified. Fast forward to 2 weeks ago, I went to check my account to pay my rent and car note, and they had removed without warning {$1200.00} from my bank account, leaving me with {$100.00}. I almost threw up. I just started working, I take care of my disabled mother with no help from family. And because in fine print on something I signed when opening my checking account, they removed almost every dollar I had to my name. They are attempting to use a loophole in the law, that because technically they are " business '' credit cards, and not categorized as consumer credit cards, to state they were lawful in this action. I had to borrow money just to pay my rent and car note. They stated they felt I had enough money because of my balance, however those deposits were not mine, it was not even my money at all. A friend asked since I had a XXXX account IF he sent me some money, could I invest in some stocks for him. I said sure, you can see the deposit and withdrawals of those funds after he made a few bucks. So they assumed it was fine to empty my account and leave me with nothing. I understand that whatever I signed supposedly gave them the right? However now my account is in the negative, I'm behind on my car and still have not repayed my friend for the loan. I do not know what I'm going to do now. This company is now preying on me and probably others who are in debt due to the COVID-19 pandemic. As if things were not bad enough for people, a large company like this is now preying on the less fortunate. I want my money returned to me, I'm more then happy to try and make a payment arrangement with them once this is done. But what they have done is completely inappropriate, I have also contacted the States Attorneys office in Delaware regarding this matter. I'm begging for any assistance that your office can give to this disgusting display of power from BOA over those who have been hurt so badly from this pandemic. They are now in possession of ill-gotten monies, they have unlawfully removed from my personal checking account. This company has a long history of numerous Class Action Lawsuits which they have in fact lost, due to fraudulent behavior of this kind, paying millions of dollars to account holders for their nefarious ways. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX