23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Re : Sterling National Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX acct XXXX Sterling National Bank completed my Escrow  Analysis on XX/XX/XXXX and I NEVER received the escrow  analysis letter, that I was told on XX/XX/XXXX, was mailed out on XX/XX/XXXX. 

Its imperative that I have this letter because paying the shortage is TIME SENSITIVE with this bank, that letter indicates how much time I have to pay it or when its due by. 

Currently, my mortgage amount was increased, As of XX/XX/XXXX - XX/XX/XXXX, to {$850.00}. I was informed by customer service XXXX, that my escrow  letter was mail. As of today XX/XX/XXXX, still not received. However, I did XXXX my mortgage statement dated XX/XX/XXXX. 
I believe the letter was generated through their system, but it was never actually mailed out. I think this because this bank has been mis-managing my account. An XXXX doesnt dont like when, Inform you of there incompetence. 

Today, I went to the branch to pay an escrow analysis shortage of {$180.00}. See attached receipt. From branch chk # XXXX. The branch teller was advised by the Escrow department to inform me, to mail the payment or do a check by phone, which would cost an additional {$9.00} automated or for the representative to process $ XXXX found this to be ridiculous and demanded a manager for my payment. Mind you, my account isnt even past due. My next payment is due XX/XX/XXXX XXXXSee attached. This bank is singling me out because I report them to you, every time they mis-manage my account. 

Secondly, please look at CFPB case number XXXX -this matter still not resolved. I recd letter from XXXX dated XX/XX/XXXX pg 2 -where she states my XX/XX/XXXX payment of XXXX -falls short of satisfying the new monthly payment. I paid this on XX/XX/XXXX on there suspense account. How is this XXXX to be satisfied with the new monthly payment if the bank doesnt send the letter to me and asks the Teller to inform me to mail the payment ; which is time sensitive and or I can do a check by phone for additional cost to me. See attached letter from XXXX XXXX which is dated XX/XX/XXXX. It is funny how I rec 'd this letter too and NOT the escrow analysis that the escrow department claimed was mailed on XX/XX/XXXX. They're lying!. 

Here are the documents recd and dated. Clearly, its not a mailing issue. Escrow department, just purposely, never sent it. 

Resolution for me, have them send the letter for my records. Make sure they take my XX/XX/XXXX payment {$820.00} sitting in suspense, get applied to principal & interest & escrow, and apply {$180.00} payment referencing chk XXXX, gets all applied timely and correctly. Finally, a new statement generated for the revised monthly amount {$840.00}?? For XX/XX/XXXX payment. 

I will be forwarding a copy to a lawyer. 
Thank You, XXXX XXXX
Product: Debt collection

I am writing this letter to fight against this charge-off of my credit card account with Capital One. I first opened my account 3 years and 3 months ago. They have me at a charged-off balanced at XXXX. I made an uninformed decision 3 years and 3 months ago when I first opened this account. The only evidence of debt was the agreement but that agreement is null in void because I made an uninformed decision and I did not understand its meaning, it was not clear and conspicuous. I was not aware that I could dispute or do anything with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX has violated my rights 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 consent If you have any questions or concerns I can be reached at XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXXsynchrony bank XXXX I made a complaint about fraud to the bank, about 6 month ago. Someone did purchases online without my authorization. Someone stole my identity and reached out synchrony bank/XXXXXXXX XXXX requesting new credit card on my behalf ( new credit card was sent to a different address, that they have on record, I was told by customer service representative XXXX Synchrony bank does not have any protection for to their customers they allowed transactions online for {$15000.00} ( It is RED FLAG ) and I DIDN'T GET any alert notification. I have been reporting this to them for SIX MONTHS However Synchrony bank has not removed all those fraud transactions from my account. I am really frustrated, please, please, please help me.
Product: Credit reporting or other personal consumer reports

I had my personal information exposed to the world in the equifax data breach and I noticed unauthorized accounts and inquiries on my credit report that do not belong to me. I need them removed immediately because they are hurting my chances at getting a mortgage. this is unfair to me and this also makes me lose my confidence in the banking system. I need these fraudulent accounts removed now.
Product: Checking or savings account

I made a cash deposit of {$2000.00} at a chase ATM. After putting the cash into the ATM, it started processing my transaction for a long time until it showed an error occurred. Then it printed out a receipt saying to call to confirm that the transaction was complete. The deposited cash never showed on my account. The machine then showed that its no longer accepting any cash deposits on the screen with red letters. I then called dispute department to notify them of what happened immediately. They said they will start an investigation. Later on the same day I went back to check on the machine and it no longer showed the same error. I tested out taking out {$20.00} and deposited the same {$20.00} and it worked as if nothing happened earlier. After 10 days of investigation they said they dont see the {$2000.00} but only saw the {$20.00} transaction I used to test the machine. Dispute department said there nothing they can do as they do not see {$2000.00} deposit, but they were able to see that I used my card at the time reported. I asked for camera footage but they said I need to subpoena it. So I asked them to start another claim telling them that the {$20.00} was a test and to double check on the transactions. Now Im missing {$2000.00} which I was goin to use for my wedding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear ChexSystems, and CFPB THIS IS NOT A DUPLICATE REQUEST I am writing to dispute the accuracy of information that XXXX XXXX Bank has reported to your company and which is included in my consumer disclosure report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( e ), I have the right to dispute inaccurate information with consumer reporting agencies like ChexSystems. 

As you may already know, 15 USC 1681a ( e ) defines a " consumer reporting agency '' as any person or entity that regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. The FCRA requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in their reports. 

I understand that ChexSystems is a nationwide specialty consumer reporting agency that provides services to financial institutions and other businesses with a permissible purpose under the FCRA. ChexSystems ' services primarily assist its clients in assessing the risk of opening new accounts. When providing this service, ChexSystems is required to abide by the requirements of the FCRA and any applicable state statutes. 

In my case, I believe that XXXX XXXX Bank has reported inaccurate information to ChexSystems, and I request that you initiate a reinvestigation of this information. I understand that when a consumer disputes information with a consumer reporting agency under the FCRA, the agency must place the information in dispute and notify the furnisher of the information. The furnisher must then investigate the disputed information and report back to the consumer reporting agency with its findings. 

I am also aware that under the FCRA, consumer reporting agencies must provide consumers with a copy of their consumer report and a summary of their rights under the FCRA. This includes the right to dispute inaccurate information, the right to a reinvestigation of disputed information, and the right to add a statement to their consumer report explaining their side of the story. 

I am requesting that ChexSystems reinvestigate the accuracy of the information reported by XXXX XXXX Bank and that you provide me with a written report of your findings. If you determine that the information is inaccurate, I request that you remove it from my consumer report. If you determine that the information is accurate, I request that you provide me with the contact information for XXXX XXXX Bank so that I can address the issue with them directly. AS I'VE TRIED TO CALL, EMAIL AND SEND LETTERS BUT NO ONE FROM XXXX XXXX HAVE RESPONDED TO MY REQUEST TO VALIDATE THIS ALLEDGE DEBT. 

Thank you for your attention to this matter. 

Sincerely, 1. Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/2019 XXXX. Date of Closure : XX/XX/2XXXX XXXX  # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID
Product: Debt collection

Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. 
Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card. 
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department. 
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor. 
4 ) The Defendant was indited on all counts and charged by the Prosecutor. 
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts. 
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions. 
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.
Product: Credit card or prepaid card

I recently reviewed my credit report I noticed this account was opened without my authorization.
Product: Checking or savings account

I have an checking account with PNC. My son opened a student account when he was XXXX. Because this was a student account and he was not yet XXXX, I was added onto his student account. After he turned XXXX, we went to a branch together to request that I be removed from his account. PNC mistakenly removed him from the account leaving his account under my name. PNC has been notified through XXXX calls, and XXXX in person meetings at the branch in an effort to rectify the mistake made by PNC. 

Because he was removed from the account in error, my son is unable to deposit any funds to the account. Subsequently, my son had an automatic withdrawal that caused his account to become overdrawn. Even though he was incorrectly removed from the account, they sent him a new debit card. Thus, if this account were truly only in my name, PNC has issued a debit card to another individual for " XXXX of my accounts '' without my authorization. 

I have now received notification that the debit is assigned to me, the account is being closed, and collections is starting. PNC 's mistake could now impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were LATE and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge off and late accounts from my personal profile. A copy of my Utility Bill, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Product: Credit card

I placed an order for a XXXX XXXX device on XX/XX/year> in the amount of {$180.00}. I purchased the device as it was advertised to be able to copy XXXX key tags and emulate signals so that I could use it to copy some personal keys. After following the instructions clearly and trying to use the device I realized that it was not functioning properly and seemed to be defective. The device does not put out a signal. 

I contacted XXXX XXXX on XX/XX/XXXX with my concern and provided all requested information alongside a request to return the item. 

XXXXXXXX XXXX  refused my request to return the device and claimed that the device is not faulty. 

They claim to have a warranty for defective items but will not honor the policy. 

XXXX XXXX has taken extensive periods of time to reply to me, letting their 30 day return policy lapse. 

They have not given me any instruction, address, or approval to return the item. I have asked to return it several times but they will not accept a return. 

I filed a dispute with Goldman Sachs for my Apple Card and they have repeatedly refused my dispute saying that there was no evidence to substantiate my claim. When asked why they refused the claim they said that there is no evidence that I returned the item even though I have clearly stated that I have not been able to return the item because XXXX is refusing to accept it. 

I do not want their defective device, I simply want to return it and receive my {$180.00} back. However, both XXXX and Goldman Sachs are not helpful. 

XXXX has replied saying that they noticed I filed a dispute that was decided in their favor and has used that to back themselves up. 

Goldman Sachs will not stand with me as a consumer being taken advantage of by XXXX XXXX Their investigation process is faulty and they are not transparent about the process. 

They have repeatedly refused my chargeback as they are not taking the time to fully understand and read through my claim.
Product: Debt collection

I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Debt collection

On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They don't even have proof that the debt is mine. I have not received any piece of information such as a contract with my signature etc. Even when i asked for validation they did not provide any at all. Since they haven't done so within the 5 days required by law i demand this be removed from all of my consumer reports. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
Product: Credit reporting or other personal consumer reports

( SEE ATTACHMENTS ) ... .Consumer Reporting Agencies XXXX XXXX XXXX XXXX XXXX. Equifax ) are unlawfully reporting inaccurate information and non-public personal information that is not only hindering my ability to extend my credit for personal, family, and household needs, but it has also caused mental anguish, defamation of character, and my overall ability to operate in commerce. I believe the consumer reporting agencies have not been meeting their reasonable procedures in a manner that is fair and equitable. I, XXXX : XXXX XXXX am an XXXX XXXX XXXX XXXX XXXX  I am the living beneficiary, executor, attorney-in-fact for the person/estate/cestui que trust XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( section 603 of the Fair Credit Reporting Act ) " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Per 15 USC 1602 ( i ) the definition of the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card was the device/credit card used to obtain money, property, labor, or services on credit. Additionally the organizations/companies/financial institutions reporting these inaccuracies violated my privacy by disclosing my non-public personal information to non-affiliated third parties without giving me the full 'opt out " disclosures. This is a violation of 15 USC 6801 and 15 USC 6802. Furthermore, I filed a UCC-11 Search regarding any debts, liens owed to me the consumer ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. This has led me to believe that companies and consumer reporting agencies are conspiring against me and attempting to extortionate me the consumer to collect or attempt to collect any extension of credit which is a violation of 18 USC 894.
Product: Credit reporting or other personal consumer reports

The middle initial on my Equifax credit report is displaying as XXXX, this is incorrect. Please delete the incorrect initial ; XXXX, and replace with the correct initial ; A. I am writing your office today as I am a victim of fraud. An unknow individual used my personal information in the past to obtain credit. I filed a complaint with the XXXX XXXX Police Department and I attach a copy of the card containing the case number with this letter.