23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Earlier this year I closed my account with BB & T. A few days ago I received an email stating " Your online banking security questions have been updated. This is a result of an annual update or a request you or an authorized user submitted in My Profile. If you did not make this change, please contact us. '' Shortly after I received a followup email stating " Please know this message was sent to you in error. Your security questions are secure and no further action is needed on your part. We apologize for the inconvenience. '' I called the number in the 2nd email ( XXXX ) and after numerous tries was able to talk to a real person. Since I closed my account I asked they remove my email address. The request was forwarded to IT and I received a confirmation that my email address had been removed from my online account. But I should no longer have an online account! I spent close to an hour going through their phone menu system at ( XXXX ) and ( XXXX ) only to reach a message " The information requested can not be provided by BBT online phone XXXX '' the call then disconnects. I called my local branch office and the representative there told me they do not have access to online accounts and were unable to even verify if I did or did n't have an online account. So here I am, unable to talk to anyone to determine if there is still a bank account in my name floating around their system. With the recent XXXX XXXX issue, is this a case of an account opened in my name without my approval? Oh, and the only way to contact them online is to log into my online account and send a message.
Product: Credit reporting or other personal consumer reports

I have been a consistent victim of identity Theft. I have lost years and hours and a lot of money and time trying to fight The false information on my report. I've had multiple credit cards used on my report opened in my name, loans, phone bills and internet bills used in my name. I've recently had multiple inquires used in my name and false accounts opened in my name with no information on who and how. 

Pursuant to section 605B of the Fair Credit Reporting Act, it is by law which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Below are the accounts listed have been sold to multiple debt collectors with my stolen identity information. I Have attached my identity theft report. Below is the information, inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For Experian : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Loans : XXXX For XXXX : XXXX XXXX : {$650.00} Account : XXXXXXXX XXXX XXXX : {$210.00} - Acct : XXXXXXXX XXXX : {$180.00} - Account : XXXX For XXXX : XXXX : {$290.00} XXXX : {$1800.00} - Acct : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  : {$240.00} - Acct : XXXX Fraudulent Openings used in my identity : XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information to the consumer reporting agencies. After disputing the account multiple times they stated the information was accurate. They failed to reinvestigate the information and they are stating that the account meets the FCRA guidelines it does not it is not accurate information. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the date opened, last payment date, payment history, balance history, and payment history guide. This information is causing me financial loss, credit score damage, and severe XXXX
Product: Credit card or prepaid card

I applied for this card because it was rated highly for balance transfers.I listed my wife 's phone number and email because I am on the road and work in the XXXX. I have no signal most of the time. As part of our financial strategy, we did not include her as an applicant. ( She is now listed with American Express as an account manager. ) I received the card in the mail and activated it online. I wanted to transfer a balance. I was aware of the advertised terms as stated on numerous websites. Even the paperwork stating terms were received with the cards. I was unable to transfer the balance I wanted. Apparently, American Express recently decided to not accept balance transfers. I feel I should have been notified of this prior to the company dinging my credit ( which I am super careful about ). I also chatted online with a " XXXX '', who told us that I can only use the card for daily purchases. Balance transfers were only by " special invite ''. How many credit savvy people are taking a hit on their credit scores and not getting the services and offers they thought they were applying for? This feels like " bait and switch! '' Now, my credit took a hit for the inquiry and I have a new credit card that is useless to me because I can't use it as I had intended! 

On XX/XX/XXXX, we received an email stating that the complaint was closed because the name and phone number listed on account did not belong to applicant. Of course, it was my wife 's. As I said, she is now listed as an account manager. I want to pursue this complaint. Please " re-open '' this. The original complaint number from OCC is XXXX. The CFPB complaint number is XXXX ( XX/XX/2020 ).
Product: Bank account or service

Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX  Account # : XXXX has violated my rights. 

XXXX Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX IN Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX CO Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX  Account # XXXX has violated my rights. 

XXXX XXXX XXXX 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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 XXXX Account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX : I wish to explain that the application does not provide a box for what I report and request here. But nonetheless ; is a claim since it is related to the Agency. I hereby request a Thorough and Official Investigation regarding my claim XXXX submitted on XXXX. 
I checked on XXXX my claim on the CFPB Official Web Site and the information in the : " Company Responded Section Area '' is not the same from the CFPB " Original '' Form on my records and printed on XXXX. 
I respectfully request information and explanations of the Reasons that CFPB had to " change the case information 2 years after the case was closed. 
On XXXX XXXX Company Responded : " it could not confirm who submitted the claim. Now on XXXX  states : " The Company sent its response directly to you and provided a copy of the CFPB, it may take a few days for you to receive the company 's response. To protect consumer privacy the CFPB, has not included the company 's response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint ''. 
The alterations of the Section changes the facts reported in the other case that I submitted on XXXX case # XXXX ; but, in my case Statement, I mentioned the information in reference.

Changing the final decision after the case was closed, deleting the original format of the part in reference, only benefits the position of the Bank since it justifies ; its deceptive, abusive and unfair actions reported by me, which the Bureau does not allow.

The Veracity of the facts is untouchable and there must be trust and security towards the Consumer Financial Bureau, official documents can not be altered. I will like the Bureau to investigate who?, Changed that information ant the Reasons for doing so. Please send the results of the Investigation in writing to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

FW to : XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Lawyers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pd : Awaiting for a Priority Box of documents sent to CFPB with a COD returning Service. ( I will Pay upon arrival ).
Product: Mortgage

The bank charged higher interest rate than the loan contract for two and half years.
Product: Bank account or service

This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner
Product: Money transfer, virtual currency, or money service

Scammers impersonate celebrity accounts on XXXX and other social media and promise {$600.00} XXXX  for donating to charity. It is a scam. They usually ask for XXXX or XXXX XXXX. In my case it was a person by the name of XXXX XXXX who is a personal assistant for the actress XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Student loan

Signed up for XXXX XXXX in hopes to get my loans forgiven after 10 years. Found out that they not only do not pay off my loans through XXXX, but they aren't associated with the Department of Education ( although they mentioned it numerous times in emails ). I've paid about {$560.00} to them thinking that it would reduce my loan amount, but all they did was open a new line of credit in my name. I was also told by the Department of Education that I didn't have to pay fees in order for my loans to be reduced in payments or forgiven.
Product: Debt collection

I have a collections account on my file that I have never done business with from NATIONAL CREDIT ADJUSTERS , L.L.C # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( XXXX ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Mortgage

I submitted in XXXX a application for a streamline refinance to lower my payment by lowering interest rate. I was told I was approved. My loan officer was negligent in not responding to any request, I then contacted her manager and again no response. I then submitted a email to the managing director XXXX XXXX who then escalated things and it begin to proceed. I was expected to close this month, but last week I get a email from the loan processer after almost 3 months and several escalations only to be told they somehow listed this as a 2nd lien and it should be a first. The only thing I can see is currently they are making money on the higher interest rate therefore delaying me getting a refinance done which will save me money. This is a unfair and deceptive practice and Home point financial should be reviewed and fined for these types of practices.