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

On XX/XX/XXXX, at XXXX I logged into my mobile banking app and saw {$600.00} in deposits missing from my account. <P/>I contacted customer service at about XXXX to ask if something was retracted from deposits made. The customer service rep, who would only give me a first name ( XXXX ) basically said it 's a issue that is being handled but she has no explanation, only that if I was going to be charged a fee for having negative funds they would remove it once corrected. I did n't have that issue thankfully, but wanted to know when this will be seen on my account, why I was n't contacted about it and how this occurred. The customer service rep basically challenged and argued to try and convince me all banks do this and do not tell cusomters. <P/>Very discomforting when this Wells Fargo to protect my money as my bank and they have money disappearing from my account, do n't tell me anything or have customer service reps ready to ease customers concerns about this issue and reassuring them the money will be credited to account. <P/>They basically said they do n't have enough people to do that. Not very reassuring and will be looking at other banks with better services ratings. This is similar to the issue with the credit cards being opened, transaction being on accounts and not informing clients of any issue only if we catch it and call.
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. 

XXXX ) XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number 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

I received a copy of my credit report noticed information that was fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
COLLECTION Account Number : XXXX Delete this account.
Product: Mortgage

I purchased my home in XXXX XXXX. In the past 5 years my mortgage loan have been sold to XXXX XXXX, XXXX XXXX, and now PNC Bank. In each of those my I escrow there has been a shortage which I have paid to dessolve up front to keep my mortgage rate at a minimum. I am a veteran of the XXXX with over XXXX percent XXXX paid by the va at XXXX percent. I also have my homestead reduction. In discussing the matter with these institutions I have had to provide the information to know avail. In this new transfer again from loan care to PNC Bank again there is again a shortage. I find it is abuse of power and insulting. My mortgage is transfer constantly and in the process increasing it even after paying the shortage my loan does not decrease instead the source or bank claim a shortage taking my mortgage payment up even though the shortage is paid on the escrow. I feel like am in slave by these banks and their process to sale the account and their evaluation without anyone to monitor there process. I asked that you help me. P.S. I refinanced in XXXX no equity was giving to me and I dont see how my mortgage is rising again putting affecting my living conditions. Help me with this abuse of financial responsibility. They are abusive.
Product: Debt collection

XXXX XXXX XXXX, they provided internet while I was in that address. I paid that last bill, which came to my current residence because I told them I was moving and where to send it. Why have I not heard anything until 2 years later? I moved out XXXX, 2014. What sense is that? Also, it does n't state why I owe, for what, a date, or any applicable information.
Product: Mortgage

Since 2010 I have been harassed every six months by US Bank to provide proof of flood insurance. 
Each time I receive a letter that says I must maintain at my expense, flood insurance in the amount equal to the lesser of : 1 ) The replacement Cost of the dwelling ; 2 ) The maximum available under the National Flood Insurance Program, currently {$250000.00} ; or 3 ) The total unpaid balance of the loan plus the total amount of all lines of credit, secured by the above referenced property. 
I currently have an outstanding principal balance of $ XXXX and a flood policy provided by the Condominium for full replacement value of the building for {>= $1,000,000}. I do n't think it matters what the per unit value calculates to even if I am upside down on the loan so long as the policy reflects that it is the " replacement value ''. 
I have also had to deal with in the past that the flood insurance does not match the amount of the hazard insurance. This is not one of the their requirements above. And they have to understand that different insurance companies use different models to calculate replacement value. And if one is over-insured on hazard insurance there is no reason to have the flood at the same value. The key is that the insurance declares replacement value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally wrote XXXX XXXX ( XXXX ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and transunion in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the XXXX collections off my report. XXXX put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent XXXX XXXX copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, XXXX XXXX should remove the collections from my report. I even I called XXXX XXXX numerous times and they keep giving me the runaround and told me to call the XXXX  XXXX. XXXX XXXX is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. XXXX is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with Transunion, XXXX  and XXXX, but XXXX  was the only one who removed the collections. Transunion and XXXX  will not take it off because XXXX will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at XXXX XXXX  they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Product: Debt collection

Midland Credit Management has taken legal action to garnishment my wages after I contacted them to make a payment arrangement. Due to XXXX exposure I was unable to make a court on XX/XX/2021. I believe the amount is XXXX. I do not have funds at this time to have payments deducted but willing to make payment arrangement. I've been contacting them to stop this action. No result
Product: Credit card or prepaid card

Bank of America refused to communicate with my attorney ( who I was forced to hire because they also refused to communicate with me ) for over a year to negotiate a mutually beneficial and reasonable settlement on the balance I owed them on their credit card. BoA has incorrectly reported delinquency dates and balances to all three credit bureaus for the past XXXX years even though I closed out the account in XX/XX/XXXX. This malicious reporting needs to be removed from my credit report immediately as it is preventing me from qualifying for a mortgage.
Product: Debt collection

I received a call today on XX/XX/2019 by a person who would not identify themselves claiming they were serving me for " check fraud '' on behalf of XXXX XXXX, the number was XXXX XXXX XXXX XXXX XXXX. The person on the phone said he was a lawyer, and I explained that i am currently jobless, and was hung up on. Then they proceeded to call my family members, specifically my mother and threaten them with aiding in " check fraud '' via voicemail, giving out personal information without confirming that the number they had called was my mother. I called them back, an a woman answered as Rocky Mountain Capital Management, upon giving her my name she claimed they were a legal organization or law office and then consistently refused to give me the name or information of their organization. I asked for written correspondence and they denied. When i offered solutions they said " tell it to a judge '' and hung up on me. After i reached out to XXXX XXXX directly and they said my debt had been sold to XXXX Rocky Mountain capital management support@rockymountaincapitalmgt.com rockymountaincapitalmgt.com
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. 
XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXhas 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, credit repair services, or other personal consumer reports

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over XXXX  days and I haven't received any response regarding the investigation results
Product: Debt collection

An apartment complex turned a debt over to Alpha Recovery Corp. 

I paid Alpha Recovery Corp {$1500.00} on XXXX XXXX, 2015 using a debit card. The transaction cleared my XXXX XXXX XXXX Checking Account on XXXX XXXX, 2015. The amount did not chargeback ( overdraft ). Alpha Recovery Corp began contacting me on XXXX XXXX, 2015 saying my bank reversed the transaction. This is not true. 

I provided Alpha Recovery Corp with : ( 1 ) a statement saying I authorized the transaction, ( 2 ) my bank statement, and ( 3 ) a letter from my bank. In addition, my bank spoke with Alpha Recovery Corp & myself on conference call. My bank informed Alpha Recovery Corp that reversing a transaction ( that is not an overdraft ) is impossible and was not done. 

Lastly, representatives from Alpha Recovery Corp are harassing me both at home and at work despite a Cease & Desist letter mailed on XXXX XXXX, 2015. Specifically, a representative named XXXX XXXX has repeatedly called my employer 's corporate office and the CEO. On XXXX XXXX, 2015 a female representative lied and said I paid with a XXXX XXXX and the money has been placed into my account. I do not own a XXXX XXXX. No funds have been placed into my account. 

I have proof of:1. The original bill2. Payment receipt from Alpha Recovery Corp3. A letter from my bank confirming ( 1 ) both the funds cleared and ( 2 ) the transaction was not reversed4. XX/XX/XXXX bank statement showing the payment to Alpha Recovery Corp5. XX/XX/XXXX bank statement showing the transaction was not reversed
Product: Credit reporting or other personal consumer reports

remove all negative items dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me XXXX  because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - **** - {$4900.00} XXXX XXXX XXXXXXXX - XXXX - {$150.00} XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX**** - {$13000.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

When first speaking with a loan officer we explained that we were looking to consolidate our 1st and 2nd mortgage. He assured us this would not be a problem as long as the appraisal came in at the necessary value. While we have very good credit, we were made aware of a fraudulent card opened in my name at a department store with an outstanding balance and late pays. After further discussion and noting that this was not ours we were again assured that there would be no problems and on XX/XX/XXXX we received our Rate Lock Guarantee noting a Fixed 30 year term at 4.5 % with a rate buy down of .125 %. Everything was in order so we asked them to continue with the process. On XX/XX/XXXX however, we received yet another Rate Lock Guarantee disclosure stating that the rate is now 4.75 % but did not disclose any reason as to why it was increased. When speaking with our loan officers manager, XXXX XXXX, he only said that these things happen sometimes even though there were no material changes since the date of the first Rate Lock. I am also providing an estimate provided to us back in XXXX of 2018 that notes we asked to consolidate a Heloc much before the negotiated Rate Lock of 4.5 % was provided and even noted by the loan officer. We ask that Wells Fargo honor the terms they set forth in the same way they would expect a borrower to honor the terms of repayment. 

Lastly, my wife is an employee of Wells Fargo and works in a local branch. When the decision was made that they would not honor the locked rate the loan officers ' manager, XXXX XXXX, took it upon himself to contact her direct manager and gave certain details about our loan and that it would be  declined if we did not accept the rate. My wife 's manager had no reason or right to be given this information and was at no point included in the mortgage process. My understanding is that this violates the Graham-Leach-Bailey act under privacy guidelines. I must insist that no further information relating to this transaction be shared with anyone not directly involved with the matter as the previous contact felt like an intimidation tactic.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Receive first letter from XXXX XXXX XXXXXXXX on XXXX, for a recent credit card application that I did not apply for. They were unable to verify identity base on inquiry made to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and spoke to a XXXX. He stated that they would mark as fraudulent and email the credit bureau to report application as fraud. I received another letter on XXXX from XXXX XXXX XXXX. Again someone fraudulently applying for credit under my information. 
I also contacted them and they stated that no information was sent the any credit bureau, and that they declined the request and would mark as fraud. I checked my credit information on XXXX and it showed another inquiry of credit for TD Retail Card. I called XXXX and talked with XXXX who is a fraud specialist and she froze my credit and advised me to file a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got initial notice from XXXX XXXX saying there was a credit check done by Truist. then received a letter from Truist that this request was determined fraud and they closed the account. 
Account number that was created : XXXX Truist caught this was fraud and closed the account to protect me.