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

I applied for a checking account at XXXX ( part of Key Bank ) in late XX/XX/2022 and received a secured email asking me to upload my license, XXXX and by the time I responded the secure email expired in 6 days. and I was unable to proceed. Then I applied in XXXX and after uploading my documents I received a message asking me to proceed and create a user login but after verifying my ID I was not able to create a new login and after several calls ( not helpful and going back/forth ) I was told the the Key bank login credentials that I had from a couple of years ago were causing some conflict and they escalated the issue and after a few more emails I was told the have the issue has been resolved but that I have to apply all over again ( see the email conversation with XXXX XXXX in the attachment - start from the bottom of the email ). All of this took almost a month. So, I applied again in XXXX and again I received an email asking me to upload docs and I did that and received an email the next day saying my license image was not clear and that I should upload a better image and then just a few minutes later another email declining the application- I saw both emails later that night and before I had a chance to upload a clear image of my license. However, the email does not provide any reason for the decline or what the issue is- just a message that says " During the account opening process, our review determined that we are not able to open a savings account for you at this time '', which does not help me to address any issues on my end that may have caused the application decline.
Product: Credit reporting or other personal consumer reports

There was a XXXX XXXX account opened without my knowledge or authorization and transunion refuses to remove it from my credit report.
Product: Mortgage

Complaint Description : Possible fraud on multiple federal loan applications by Innovative Mortgage Services and their broker, XXXX XXXX I submitted two loan applications with XXXX XXXX, of Innovative Mortgage Services, who told me that I had been prequalified for XXXX ( XXXX ) 25 % loans with XXXX for investment properties in XXXX, FL. Each property is under contract for purchase of {$150000.00} each. I was denied the loans that I was " guarenteed '' by XXXX but qualified for loans not discussed at anytime during the loan process. XXXX XXXX stated that he tried to " trick the bank '' by getting me a different loan by a method that he was not willing to disclose. He also told me that he had withheld information from about my loan application from me and what I would as qualify for. I feel he was not only dishonest but failed to disclose all relevant information that he is required by law to inform me of. I attempted to contact his supervisor, XXXX XXXX, on XXXX XXXX and have yet to receive back from him. I have informed XXXX XXXX XXXX XXXX in Florida of the situation and they have immediately brought this to the attention of the bank president and are currently conducting their own investigation. Contact info for XXXX is XXXX XXXX XXXX XXXX XXXX behavior has been unethical and illegal. He knowingly withheld information from me and lied on a Federal XXXX. I addressed these claims to him and he admitted guilt to me on the phone on XXXX XXXX, 2015. He told me to " take the loan or find someone else. I have also contacted XXXX of the situation and they are also conducting a similar investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a package of 4 airline tickets through a third party travel agency called XXXX for {$630.00} using my Chase credit card ending in XXXX. The charges posted XX/XX/XXXX. All tickets were from the same airline, XXXX XXXX and were purchased as a package, not as individual tickets. 

In XX/XX/XXXX, XXXX closed its doors to tourists and, accordingly, on XX/XX/XXXX, the airline cancelled 2 of the 4 flights in my flight package, thereby rendering the entire itinerary null. 
As of today, XX/XX/XXXX I have not received a refund for the flight package. 

My attempts to resolve with the third-party merchant : I attempted to contact XXXX five times since XX/XX/XXXX via a contact form on their website. I first reached out when I learned of the XXXX closure to re-schedule my flights to next year, with no response for several weeks ( out of caution, it was at this time I first filed a dispute with Chase ). Once the airline cancelled the flights, I reached out 4 times in the month of XXXX to discuss how to proceed, whether through refund or re-scheduling. I have not been able to get a response from XXXX regarding how to proceed other than your booking is waiting for a refund and multiple generic responses advising me to be patient and that the airline is the entity that is delaying the refund. 

My attempts to resolve with the airline directly : On XX/XX/XXXX, I contacted the airline, XXXX XXXX, directly and they stated that the flights are fully refundable without a cancellation fee and that all XXXX needs to do is call them and request a WAIVER CODE and they will issue the refund. However the airline confirmed that as of XX/XX/XXXX, no attempt had been made by XXXX to initiate this process. My departing flight date was today, XX/XX/XXXX and so I fear that the opportunity for refund XXXX have now passed. 

My attempts to resolve with Chase : Over the last several months, beginning in XXXX after I first attempted to contact XXXX to re-schedule and received no response, I have filed a dispute for the charge with Chase and appealed their decision twice. Each time, I provided all receipts and e-mail correspondence from XXXX and XXXX XXXX. However, each time there was found to be no billing error and the charge remained. I made it very clear in my final appeal that I am not disputing the charge based on a " billing error, '' but rather a product of service you never received or received late as described on Chase 's dispute website. This went unacknowledged, and my final appeal was denied on XX/XX/XXXX yet again for no billing error. Further, Chase stated that they would no longer respond to any correspondence regarding this charge. 

Of note, here is a website that has almost 700 1-star reviews for this third party agency, nearly all with the same problem as me ( cancelled flights, no refund, minimal or no contact ) : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am reaching out again to highlight my serious concern to TRANSUNION about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. I have a charged off account from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor XXXX XXXX, NY XXXX. Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, such as a valid application or an account review. I assert that there is no permissible purpose for the reporting of this charged-off account under my credit profile. Therefore, I demand that this account be deleted from my credit file immediately.

Additionally, I request that you provide me with the following documentation to substantiate any claim of permissible purpose : 1. Evidence showing that I consented to or authorized this reporting under the FCRA.

2. Any agreements or contracts that prove a legal basis for the continued reporting of this charged-off account. 

If you can not provide adequate documentation, this account must be removed from my credit report without delay. Please consider this as a direct dispute and take action to correct this inaccurate reporting within the timeframe stipulated by federal law.
Product: Student loan

I called Edfinancial on XX/XX/XXXX to request a refund on my student loan for the amount I paid while the loan and interest payments since XX/XX/XXXX, as I had opted back into paying months loan payments in XX/XX/XXXX. The person I spoke to said that the government was automatically covering the refund process and that there was nothing they could do. I called back on XX/XX/XXXX to request a refund again, as I want the refund before I apply for the XXXX administrations student loan forgiveness program. The person claimed to process the refund request, but they did not provide any confirmation of the refund request being made. It is now XX/XX/XXXX and I have not received the refund, while reading about how other loan providers have been processing and sending refunds within XXXX week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting ACT the listed accounts has violated my rights. 
XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX  XXXX Acount number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My credit report has billing issues with late payments that dont align with my usual payment habits. Kindly correct these errors and revise my account.
Product: Checking or savings account

Starting XX/XX/2021 we have been trying as a family to get our funds out of people 's bank with many road blocks, a year later we still have no resolution. 

The banks manager?, XXXX XXXX, at Peoples BANK, NOW M AND T keeps stalling, sending forms to incorrect addresses, asking for more items to be notarized, or for my XXXX XXXX XXXX mother who is no longer in the state to come and pick up a check. 

As of last correspondence the most recent info to be notarized was sent to my incorrect address even though we gave him the address record- - it seems he intentionally, maliciously changed the street # misspelled the town and gave the wrong zip to stall. 

we need resolution quick as this is putting undue stress on my mom who is XXXX XXXX XXXX and caring for her ailing  husband who doesn't have long to live. 

A TRIP OUT OF STATE TO THE XXXX BRANCH IS OUT OF OUR ABILITY AS WE ARE CARING FOR A VERY SICK MAN. 

PLEASE LET US KNOW OUR OPTIONS FOR GETTING THE MONEY OUT WITHOUT HASSLE. 

WE HAVE PROVIDED NUMEROUS FORMS, REVOCATIONS OF TRUSTS, PROOF OF NAME CHANGE, NOTARIZED SIGNATUUES ASKING FOR THE MONEY,. 

I think honestly we are dealing with someone who for some reason is acting illegally and unprofessionally holding back our money and we ned help. 

thank you XXXX, XXXX, XXXX and XXXX
Product: Debt collection

I am writing to report a scam and fraud which collect|on from PROFESSIONAL COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX with the amount of {$960.00}. 

This correction agency should check make sure they are customer not involve scam and fraudulent invoice 's, I am a vlctim of unrendered services provided by the property management company called XXXX. XXXX was In charge of renovating the property for a prospective tenant. However, they sent the false Invoices, and clalmed that they rendered services as they promised. 
I disputd the amount which XXXX claimed that I owed, also I requested XXXX for addltlonal evldence like contract who does the work ( contractor 's ). 
since then, I did not hear from owner or manager who Handel this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the part 5 years I have been paying $ XXXX/ month toward my student loan. After seeing late payments on my credit history and calling student loan services, I discovered that someone else 's information was in my account information and that my {$39.00} each month was not going toward my loan.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my previous experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, along with the numerous previous complaints filed with CFPB has caused me ongoing harm to my credit standing and I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and right to privacy as a consumer.
Product: Mortgage

Pennymac added my neighbors taxes to my escrow account. And paid these taxes using my money. Parcel number we own is XXXX. Parcel number pannymac added to my account is XXXX. One digit difference. 
Besides constant humiliation from customer service, Pennymac 1. Did not fix they error within more then two months. 
2. Performed two escrow analysis. Both wrong. Because they used my neighbors tax bills.

3. Pennmac still bill me with triple escrow amount. Instead of {$270.00} pannymac charging me {$1200.00} 4. Did not returned my money they spent on my neighbors taxes.

5. Refuse to except my monthly payments for principal and interest only.

6. Refused to close my escrow account.

7. Start to frighten me with foreclosure 8. Charging me with late payments 9. Reported me to Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Experian have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over XXXX in XXXX & several lenders are not reporting on time or accurately
Product: Bank account or service

Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.
Product: Credit reporting or other personal consumer reports

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRIES! 
XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is inaccurate and doesnt belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a serious data breach. Affected are 143 million " customers. '' In order to find out if we 're affected, equifax put up a web page telling people what to do. They show three links ( please see attached jpgs for screenshots ) on this webpage https : //www.equifaxsecurity2017.com/ " Potential Impact, '' " Enroll, '' and " Contact Us. '' Clicking on " Potential Impact '' takes you to another screen that describes how to check if one 's data has been compromised and states that one will have an opportunity to register for Trusted ID Premier, a credit protection service. Clicking on " Check Potential Impact '' takes one to the screen where one enters one 's Last Name, the last 6 digits of one 's SSN. Last night, when I checked my data, instead of seeing the screen that stated whether or not I had been affected, the system told me I was automatically enrolled in Trusted ID Premier. I was not given a choice. 

Enrolling in Trusted ID Premier without my consent has waived my right to sue Equifax for damages. I did not consent to that. The web page did the very same thing for my husband as well. The image titled " auto-enroll in Trusted ID.jpg '' shows the progression of how the screens interacted with each other.
We do n't want to enrolled in Trusted ID Premier. We never wanted to be enrolled in Trusted ID Premier. Neither I nor my husband consent to waiving our rights to sue Equifax.
They should not be enrolling people automatically. It is unethical and immoral and probably illegal. I demand to be unenrolled in Trusted ID Premier. My husband demands to be unenrolled in Trusted ID Premier.
We also demand an investigation into Equifax to determine whether it acted unlawfully in delaying to notify people of the breach so that executives could participate in the stock sale. See the XXXX XXXX article here : XXXX XXXX  XXXX for more details on that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute misleading and false information that has been included in my credit reports provided by both XXXX and XXXX. The fraudulent reporting has caused significant harm to my personal and financial reputation over the past XXXX years. 

I have recently discovered numerous errors within my credit reports which were originally sent to XXXX, leading to the removal of erroneous information related to Wells Fargo Card Services. However, it has come to my attention that this same inaccurate information regarding Wells Fargo Card Services has remained on my XXXX and XXXX accounts, tarnishing my creditworthiness unfairly. 

Upon careful review of my credit reports, I found the following mistakes : False Account History : The account listed under " WELLS FARGO CARD SERVICES '' is incorrect. I have never had any association with this entity, nor have I ever opened or maintained a credit card account through them. This mistaken listing implies that I possess outstanding debts or negative payment history with Wells Fargo, which is entirely untrue. 
Negative Payment Timeline : My supposed non-payment incidents associated with Wells Fargo Card Services inaccurately portray a poor payment pattern, damaging my overall credit score and hindering my ability to secure favorable terms for future financial endeavors. It is essential to rectify this matter immediately to restore my true creditworthiness. 
Personal Identity Theft Concerns : Given the consistent misinformation regarding Wells Fargo Card Services, I fear that my identity may have been compromised and used unlawfully to open fraudulent accounts. It is crucial that appropriate investigations are conducted by XXXX and XXXX to address this potential identity theft issue promptly. 


Please send written confirmation upon completion of the investigation and subsequent actions taken to rectify these false reporting issues. Thank you for your prompt attention to this matter.
Product: Debt collection

I received a letter from Kevin B. Wilson Law Offices XXXX XXXX XXXX XXXX, Tennessee XXXX This to the best of my knowledge this is a fraudulent claim. I attempted going through their website, through Email, Phone All reach to a dead-end. Unable to contact them. 
Letter sent to them asking for a detailed itemized bill, had no response. 

I believe this is a deliberate attempt to defraud by the hospital and the collection agency that is representing them. They have been paid in full for the services ( XXXX billed excessively, and unnecessary services ). They have a contract with my insurance company, and they are charging beyond that allowed by their contract. 

XXXX Hospital has made it a routine practice to charge beyond their insurance contract allowable amounts and adding XXXX fraudulent and medically unnessary tests and services. They refuse to provide information on the charges THIS IS A FRAUDULENT BILL AND AN ATTEMPT TO COLLECT BY HARASSMENT. 

if this is a legitimate bill, they should go to small claims court or other legal avenues. 
I am unable to contact them by Email, Phone and by mail.