23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CFPB, if you do not further review this matter, you will have failed this consumer.     I will have no further recourse but to attempt to escalate this issue to a media level.     By admission via correspondence,  Wells Fargo  has acknowledged that they began to withdrawn the increased payments on  XXXX   XXXX ,   XXXX   when their letter advised that the payment would not be increased until  XXXX   XXXX ,   XXXX  . Why would their letter to consumers state incorrect and misleading information?      Wells Fargo  advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments.  Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future.     By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo  is withdrawing additional principal payments on  XXXX   XXXX ,   XXXX   because I 'm paying  XXXX  's payment, then it is not a partial payment.      Wells Fargo  has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for and was approved for several Citi AAdvatage Credit cards from XX/XX/XXXX-XX/XX/XXXX. All of my applications were submitted with true and complete information using solicited offers from Citibank to obtain a certain number of XXXX XXXX miles for completing a specified amount of spending in a certain timeframe. All offers were again sent by and approved by Citibank. I got a notification from corporate security at XXXX XXXX on XX/XX/XXXX that was account was being terminated due to the accrual of miles which the email stated : These violations are related to the accrual of ineligible miles and benefits ; through fraud, misrepresentation. This is not true due to the fact that Citibank provided these transferable solicited sign up bonus offers and knowingly kept them transferrable for many years. If the solicited offers were not allowed to be obtained, it would have been caught by the many manual application reviews between Citibank and myself. I am asking that I obtain official information from Citibank and their affiliation with my account termination with XXXX XXXX. If it can be shown they are using their solicited offers they gave me, against me, I would like my XXXX XXXX account reinstates with Citibanks help and all terminated miles returned to the account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY
Product: Checking or savings account

Navy federal overdraft my account with late fees and double overdraft fees by {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received two emails on XX/XX/2021 from what appears to be from XXXX XXXX The emails contained order confirmation for XXXX XXXX XXXX XXXX. I thought this was a scam for two reason : first, I do not shop at XXXX XXXX for car maintenance needs and second, the email address ended XXXX which I have no idea what company that is. The emails also contained payment information for the Citizens One Line of Credit ( which I never applied for ). I marked both these emails as scam. About two hours after those initial emails, I received an email from what appears to be from Citizens One ( Citizens Financial Group, Citizens Bank, N.A. ). I again marked this email as spam as I never initiated these purchases or applied for a Citizens One Line of XXXX. On XX/XX/2021, the two XXXX consoles from those XXXX orders were delivered to my address. I immediately tried contacting XXXX but there was no apparent number to call regarding XXXX XXXX XXXX Purchases. I tried calling the many different Citizens One numbers but none connected me with a real person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Incorrect Late Payment Reporting on XXXX Account Under 15 USC 1666b To Whom It May Concern, I am writing to formally dispute a late payment entry on my credit report related to my XXXX  account. This entry is incorrect and should be removed immediately under the provisions of 15 USC 1666b, which governs billing errors and disputes. 
According to the Fair Credit Billing Act ( 15 USC 1666b ), creditors must acknowledge and correct any billing errors brought to their attention within the prescribed timeframes. I have identified that the late payment reported by XXXX is erroneous and damaging to my credit report. 
I respectfully request the immediate removal of this late payment from my credit report. Should this issue not be resolved promptly, I will have no choice but to escalate the matter through legal channels, as this inaccuracy is adversely affecting my creditworthiness. 
Please confirm receipt of this letter and provide written acknowledgment of your actions to correct this error. I look forward to a swift resolution to this matter. 
Thank you for your prompt attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My name XXXX XXXX.Unauthorized charge {$110.00} from BJ at XXXX, I stay at home almost 2 months during covid19 pandemic.I didnt sign in and ask renewal. 
I keep call in to contact the representatives to ask them to hold or removed the late fee, interest or unauthorized charge during COVID 19 pandemic.They put me to the other department which the line you never get the answer. I lost the job at home, I hope get the answer.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$380.00} ; US DEPT ED XXXX Balance : {$320.00} ; US DEPT ED XXXX XXXX : {$560.00} ; US DEPT ED XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX  XXXX Balance XXXX {$2200.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I went to inquire about at apartment a while ago in XXXX XXXX XXXX I never signed a lease agreement or anything so about 3 months back I get a bill in the mail for {$11000.00} at XXXX XXXX for XXXX XXXX XXXX but I never stayed there and then the damage went to my credit for collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently have a Fruad account and inquiries appearing on my credit report. 

Account XXXX XXXXXXXX XXXX {$2400.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Follow-Up on Disputed Late Payment and Request for Investigation Process Explanation Dear CFPB, This letter serves as a follow-up regarding my previous dispute concerning inaccuracies on my credit report related to the XXXX  account. The reported late payment remains unresolved and now contains further discrepancies. I am requesting an immediate reinvestigation and a detailed explanation of the process your agency used to verify the accuracy of the information. 
Account Details : Creditor Name : XXXX  Account Number : XXXX High Balance : {$2900.00} Balance Owed : {$0.00} Credit Limit : {$0.00} Account Status : Closed Payment Status : Current Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Type : Unsecured Loan Term Length : 18 Months Discrepancies Identified : Late Payment Reported : Equifax has reported a 30-day late payment for XX/XX/XXXX. 
In my previous dispute, the late payment was reported for XX/XX/XXXX, not XX/XX/XXXX, as per your initial findings. 
Inconsistencies with Records : The reported late payment for XX/XX/XXXX contradicts the original reporting, which stated XX/XX/XXXX. 
My payment history and attached records confirm that all payments for this account were made on time.

Impact on Accuracy : The shifting late payment date between disputes ( from XX/XX/XXXX to XX/XX/XXXX ) raises concerns about the accuracy and completeness of the investigation conducted. 
This inconsistency negatively affects the reliability of my credit report. 
Supporting Evidence : I have attached a screenshot of my credit report from the previous dispute showing the late payment reported for XX/XX/XXXX. This documentation, along with my payment records, clearly demonstrates that the reported late payment is inaccurate. 
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must not contain inaccurate or incomplete information. Furthermore, credit reporting agencies are obligated to conduct thorough investigations of disputed information and correct any inaccuracies as per 15 USC 1681i.

Requested Actions : Correction of Errors : Update the payment history for this account to reflect " Paid As Agreed, Never Late. '' Investigation Details : Provide a written explanation of the investigation process used to verify the accuracy of this account, including all steps taken and parties contacted.

Proof of Late Payment : If the late payment for XX/XX/XXXX is accurate, provide verifiable documentation supporting this claim, including specific dates, amounts, and any communication records. 
Please address this dispute within the 30-day timeframe stipulated by the FCRA. Failure to correct the inaccuracies or provide a satisfactory explanation will be considered a violation of my rights under the FCRA. 
Thank you for your prompt attention to this matter. Please contact me should you require any additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I found out that there are unauthorized inquiries on my credit report, and I have no idea why. When I did my routine check, I was shocked to see discrepancies that seemed to come out of nowhere. I tried refreshing the browser, hoping it was just a technical error, but the inquiries didnt disappear. Because of this, I am requesting that the documents I provided be carefully reviewed so I can put this worry behind me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts are XXXX in the amounts of {$3500.00}, {$4100.00}, {$2000.00} and {$1200.00}.
Product: Credit reporting or other personal consumer reports

This is in regard to XXXX, Transunion and XXXX. 

This has to do with one creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had XXXX XXXX. Due to the delay of XXXX  paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.
Product: Checking or savings account

I recently discovered a number of unauthorized charges made using my Chime account. I immediately notified Chime and they canceled my debit card to prevent further fraudulent charges from being made and I also filed a dispute in relation to the charges. There was a total of 8 charges, 5 of which I filed in one dispute and the other 3 I filed individually due to the time that it took for them to switch from lending to posted. The main dispute including the 5 charges was twice denied despite providing Chime with a police report and details of how I believe these charges were ultimately made. Of the other 3 disputes that I filed, 1 is still under investigation and the other 2 have been approved. The circumstances surrounding the charges on all 4 disputes were identical yet the results of each investigation varied. Given the identical circumstances related to each dispute, its hard to understand how such different outcomes were come to. As it stands, the dispute involving 5 of the unauthorized charges totaling {$380.00} remains denied and the other dispute still not approved is under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

TransUnion, I was a victim of identity theft and as a result have an unauthorized hard credit inquiry on my report- please see attached for my written complaint, drivers license, social security card, address, and FTC letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a completely different reference # than the other 2 bureaus, XXXX  is missing the date settled, all bureaus are missing the liability amount and status of the account