23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Been a customer with Nationwide Biweekly Administration for a year. I have lost money in this process due to set up fees, etc. Since your company has sued this company my account was suspended and will be looking at terminating my relationship with this company. I am out more money than I have saved with this program against what they promised me and it is no fault of mine that this company is now suspending business practices. I would like the set up fees refunded to me ASAP. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, Experian, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical XXXX  XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number
Product: Mortgage

On XX/XX/XXXX I paid off in full, including late fees, a residential mortgage held by M & T Bank and was given a receipt for the payment. M & T however did not record the payment until XX/XX/2017 and notified credit companies that the mortgage was more than 30 days delinquent. My credit scored dropped by approximately XXXX points and credit card companies reduced my available credit to almost XXXX. I have discussed the mistake with 5 different representatives of M & T. Depending on the rep I spoke with I was told a ) there was nothing they could do about it ; b ) I had to contact the credit agencies ; c ) It was my problem, not MTBs ; d ) I should contact the Branch Mgr where the payment was made ; e ) MTB did not maintain records of when receipts were issued for payments made ; f ) ( myl last call ) I should send them a copy of the receipt by fax. Since I do not have a fax, I delivered the receipt for the pay off to the branch manager who said that while he could not do anything, he would see that it was faxed to the department I was given, called Mortgage Customer Support. This was on XX/XX/XXXX. I waited ten days and called the Mortgage Service Dept and was told the fax was never sent. I then called the Branch Mgr who said it had been but he would do it again. This occurred XX/XX/XXXX, more than two months after I made the initial call.
Product: Checking or savings account

I called CITI Bank fraud services at XXXX and gave them all the information. Despite multiple calls, I was told that they could not verify the number and identity.
Product: Credit reporting or other personal consumer reports

I have been disputing accounts on my credit report since 2019 the credit agency are all reporting incorrect personal and fraud accounts on my report i have numerous letters and police reports and the companies are not respond to my request or send me letters stating i am not the one filing the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

I legitimately have no knowledge of this account, and if it is my account I would like to know were exactly this amount of money went to because Im here to tell you, I never got it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 



PENTAGON FEDERAL CR UN ( ADDRESS : XXXX XXXX XXXX XXXX, VA ) : Allege Amount Owed {$1200.00} I have No knowledge of this accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned
Product: Credit reporting or other personal consumer reports

a letter was mailed to XXXX via a dispute XX/XX/23 going over some items that i felt were inaccurate. The company has yet to respond and correct the issues on my score affecting me from buying a house.
Product: Credit card or prepaid card

I was approved for {$9700.00} credit to get cabinets from XXXX XXXX XXXX. I did not get their installation service because we installed the cabinets ourselves but Wells Fargo claims to be investigating and it has been 8 months and have yet to remove the charge from the my balance. 
Wells Fargo also reported my account late to the credit bureau resulting in decrease in 57 points to my score. My account is not late because the balance is still in dispute. 
Wells Fargo also decreased my credit limit almost {$3000.00} after i started the 3rd dispute, for no reason at all also decreasing my credit sore another 26 points. 
Wells Fargo refuses to remove the late charge report even though i was never late and my account shows it.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX, XXXX - ACCT # # # # # # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Prepaid card

-Cards bought XX/XX/XXXX -Attempted use and noted to be drained around XX/XX/XXXX -Contacted InComm XX/XX/XXXX case opened ( # XXXX ) -Signature requested and done XX/XX/XXXX and received email noting this that day -Received request from InComm for more information on XX/XX/XXXX -Filled out requested information and received notification of InComm having received what they needed XX/XX/XXXX and assurance that they would be contacting me for resolution and have heard nothing since.
Product: Payday loan, title loan, or personal loan

I applied for {$30000.00} unsecured personal loan with prosper on Sunday and was told on Monday that I was approved and was just waiting for funding by one of their agents. Later that evening at about XXXXXXXX XXXX  I received an adverse action notice from the company, stating they could not provide me with financing, because of a technical error on their behalf, and nothing to do with me. I dont called the company the next day to follow up to have the issue rectified. I have worked with multiple agents and supervisors to correct the issue. I pre-submitted my application multiple times, and it keeps coming back with the same excuse technical issue and again it has nothing to do with me personally however, its still denying my application for no fault of my own. I feel that I am being treated unfairly and discriminated against at this point in time, because they can not provide me with any reason why my application would be denied on my end. I keep getting different answers from different people, but nobody will take responsibility for it and its made no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of portfolio XXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX  account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative showed me a lot of incorrect information regarding this account, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my account. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan

I received a mail offer from big picture loans, I applied with the approval code XXXXXXXXXXXX, and was approved for XXXX right away. a representative called me right away and told me that the loan would total XXXX with interest, when i said I was not interested he told me they could lower the cost to XXXX, I agreed and after a few more questions I received my funds in my bank the next business day. I started making payments of XXXX bi-weekly on XXXX/XXXX/16, decided to check my loan online to see how much more was owed and was shocked. I see that everything the representative have stated was untrue and that my loan of XXXX would end up costing XXXX and would not be paid off for several years. the interest rate of this loan of 574.7076 %. The " truth of lending disclosure was not disclosed to me until after the loan had been processed and funds were delivered to my bank account. I am struggling to pay my bills and XXXX a month out of my paycheck with nothing going towards the original loan is really making it impossible to pay my bills.
Product: Credit reporting or other personal consumer reports

I have contacted the company by mail to remove the accounts from my credit report several of times within the past year due to reporting inaccurate information on my credit report.
Product: Debt collection

XXXX has added a bill, a cell phone to my bill, I have never ever, had a XXXX cell phone, I have A XXXX  PHONE AND SAME NUMBER FOR OVER 6yrs, I have disputed, on credit bureau, I have disputed, it in writin, Zi have asked the to validate the debt, they said it was done over the phone, I am an XXXX Veteran XXXX, On a fixed income, they call, I explained to them, that I have no knowledge of this debt, and please stop contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I file dispute regarding this company in XXXX XXXX and at that time Midwest Recovery was claiming I had XXXX accounts with them on or about XXXX XXXX, XXXX both were deleted from my credits reports ; now they have place another fraudulent account on my credit report. How can this company keep placing fraudulent accounts on my report? Ca n't they be STOP! I do n't know who this company is and who they so call represent. This is not my bill or my debt. PLEASE HELP ME AND STOP WITH THIS CRAZINESS.
Product: Checking or savings account

XXXX was using the account improperly and I want to be reward for the losses
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Product: Vehicle loan or lease

XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX  XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Debt collection

I reached out to this company numerous times, said they have no account on file, yet it clearly shows on my credit report. 

They responded : " Waypoint is unable to locate an active account in the name of the consumer for. The address, email, and telephone number our not in our database. If the consumer could provide a complete account number or other demographic information Waypoint will search for the account at issue, however we are unable to locate the account with the information provided. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' They are reporting on my account when they can't even locate me???? I have pictures buddy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

CitiBank unilaterally took {$10000.00} from my XXXX  XXXX XXXX bank account on XX/XX/18 and put the money in my credit card account. 

I discovered this on XX/XX/18. I called them and the customer representative told me that they were aware of this, that a ticket has been created. Yet I was never informed nor had they made any effort at that point to return the money. 

I asked for the money back and she said that they would pay me back in 2 business days. Okay, I thought. I have time and will be able to make my mortgage. 

Today, XX/XX/18, a week later, the money still has yet to be transferred. 

I called Citibank again and asked for my money to be returned. The customer service rep said it would take another few days. I asked for the money to be wired into my bank account today because my mortgage is due and he said he could not do it. 

I asked to speak with his supervisor. XXXX got on the phone and informed me that it would take 2 business days for my money to be transferred. I asked for the money to be wired today. He said that he could not do that because he had to follow protocol. I asked if it was protocol for money to be stolen from customers accounts. No. Then, you dont need to follow protocol and return my money. He said he could not do that. 

I asked why it wasnt returned in the 2 business days as I was promised. He said because the money went into validation. I asked why I wasnt informed. No answer. He said it went into validation because it is a lot of money. I said, clearly I know it is because I need to make mortgage and I cant. I asked for compensation so I could pay my mortgage. He refused. He said they gave me extra award??? I dont think extra awards are going to help me pay my mortgage. 

I asked to speak to his supervisor, someone who could authorize my money to be wired today. He said he could schedule a call in 24 to 48 hours. 

I screamed at him to give me back my money. He hung up on me. 

I called back and spoke with XXXX XXXX. She said that she could not tell me when the money would be returned. That it is in approval. They would inform me when it is out of approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX 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 XX/XX/2022.
Product: Money transfers

On XX/XX/XXXX I purchased an item from ebay.com Marketplace in the amount of {$32.00}. The item was a trunk lid cover for my XX/XX/XXXX Mercedes Benz E320 wagon and according to the seller 's listing, should have fit my vehicle ( see attached ). However, it does not and I do not feel that I should bare the responsibility of paying to send the item back to the seller. I made the purchase in good faith and expected what was advertised. This is false and misleading advertising as well as a common scam with ebay sellers. 

I am still in possession of the truck lid cover as I refuse to pay for shipping to return the item. According to the seller 's ebay ad, he/she assumes all responsibility for their listing. As a buyer, I presume this to mean responsibility and accountability for making statements which are false and/or misleading.