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

I noticed that my account had been charged XXXX overdraft fees in the amount of {$35.00} each totaling {$70.00} from Citizens Bank on XXXX XXXX. Not understanding this I called Citizens Bank to get an understanding. After an hour of the customer service rep speaking to me and not giving me a clear understanding of why they charged me the over draft fee she hung up on me. So I called back and spoke with another customer rep and once again she could not give me a clear understanding of why they charged me this over draft fee so she informed me that she would get her manager on the phone who can better explain what was going on. XXXX the manger begins speaking with my and pretty much stating the same thing the customer rep stated which was still confusing, she then decides to walk me through bringing up the overdraft notice which was sent out to me online so I can see what brought my account to a negative. What I noticed was the amounts that the XXXX prior customer reps were informing me brought my account to a negative was incorrect. XXXX continues to inform me that the online ledger is not a reliable tool and that the information I see is not accurate and that I should not rely on it. So I asked XXXX, you 're telling when I am checking my account online and on my phone multiple times a day to make sure my account is balanced the information that Citizens bank is posting is not accurate so I should not rely on it. Well this completely blew my mind. Mind you the whole time I am speaking with XXXX she has been nothing but rude and condescending. Citizens bank has charged me overdraft fee totaling almost {$1000.00} dollars this year some have been justified and and when they are I just pay it but also some have not and when I call they give you the run around and do n't fully answer your question until the point where you become frustrated and just give up. Once again Citizens bank taken my hard earned money and the post inaccurate information on your account. I will be closing this account shortly. Prior to this Citizens bank posted an aomount of XXXX to my account which also caused me to go into over draft which they charged me {$35.00}. They refunded the XXXX because I disputed but will not refund the {$35.00} the charged me. I am not sure how that works at all
Product: Credit reporting or other personal consumer reports

Remove the following accounts from my credit report : XX/XX/XXXX
Product: Mortgage

I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They did fraud with my identity, using it to rent for 1 year an apartment where I clearly did not live, I need help to clarify this type of fraud on my credit
Product: Payday loan, title loan, personal loan, or advance loan

My identity was stolen and applications was done in my name with my information, I went there to complain and asked them to make necessary corrections and make my account in good standing so I can take out a loan, but they wont help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 1 inaccurate missed payment that's Reporting on my credit. PLEASE properly investigate this missed payment and remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2021 2021
Product: Credit card or prepaid card

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by Synchrony Bank d/b/a SYNCHRONY FINANCIAL. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Synchrony Bank d/b/a SYNCHRONY FINANCIAL on XX/XX/2020 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Synchrony Bank d/b/a SYNCHRONY FINANCIAL adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. Synchrony Bank is now civilly liable to pay me for the damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Accounts need to be removed below XXXX XXXX XXXX XXXX {$4800.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Re : Formal Complaint Against Experian ( CFPB Complaint # XXXX ) I am writing to formally escalate my complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). Experian has repeatedly failed to remove inaccurate and outdated information from my credit report within the legally mandated 30-day period, despite prior complaints and sufficient time for investigation and resolution. 

This is my third complaint regarding this issue, following complaints # XXXX and # XXXX. The accounts in question that remain inaccurately reported on my credit file include : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are erroneously listed as Charge Offs, Accounts Included in Bankruptcy, and Public Records. According to the FCRA, such inaccuracies should have been corrected or removed after the required investigation period of 30 days. 

Impact of Non-Compliance : Experians failure to comply with its obligations under 15 U.S.C. 1681e ( b ) not only infringes on my rights as a consumer but has also caused significant harm to my financial standing. This prolonged inaccuracy affects my ability to secure credit, housing, and other essential financial services, compounding the harm caused by these errors. 

Relief Requested : Given the continued non-compliance and the harm caused, I am now requesting monetary relief for Experians failure to address these inaccuracies in a timely and lawful manner. Additionally, I ask for immediate action to remove the above-listed accounts and ensure my credit file is accurate moving forward. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and ensure that Experian is held accountable for its repeated violations of the FCRA. 

Sincerely, 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. 

15 U.S.C 1681 section 602 A. States I have a 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 XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX | Personally Identifyable Information XXXX XXXX XXXX XXXX | Confidential Information XXXX, SC XXXX | Social Security : XXXX XXXX | Date of Birth : XXXX XXXX XXXX XXXX Cell | Account # XXXX US BANK XXXX XXXX XXXX XXXX XXXX, Minnesota, XXXX The reason you have received this written communication is to detail the events that have recently occured between your federally insured institution and myself regarding account titled in my name XXXX XXXX XXXX with account number XXXX. 

WHEREAS : Account Number XXXX was titled to XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 

WHEREAS : Account Number XXXX was charged a pre-authorization from XXXX on XX/XX/XXXX Debit Purchase on XXXXXXXX XXXX XXXX REF # XXXX Ref Number : XXXX for {$15.00} This charge was a pre-authorization not an actual purchase and after an investigation by XXXX XXXX XXXX in XX/XX/year> It was determined and communicated to the institution, USBANK. 

WHEREAS : USBANK, possessing communication that this matter was under dispute still assessed a fee and sent the matter to XXXX different collection agencies to collect on a balance that they knew or should have known was under dispute and subject to an internal investigation by their frauds team. USBANK refused to discuss the matter with me, and I had to deal with their internal collection department, and they kept referring me to external collection agencies, but the simple fact of the matter is that none of these agencies had ever sent me a docket letter also known as a XXXX Letter. If there should have been properly served, which it was not. 

WHEREAS : I was never mailed XXXX Letters also known as docket letters I was never aware that the matter was being dealt with by a XXXX  party until I was informed through XXXX. XXXX is not supposed to be used as a intimidation agency they are a boutique credit reporting agency serving the banking industry and their decision-making process. Therefore, they are supposed to deliver accurate information to their subscribers and are supposed to produce and maintain information as regulated by various laws such as Fair Credit Reporting Act and Fair Debt Collection Act ( Title 15 USC ). Called again XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX   {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX   {$1700.00} XXXX XXXX {$220.00} XXXX  XXXX {$77.00} XXXX {$150.00} XXXX XXXX {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX {$53.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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 or other personal consumer reports

I sent a request to each company below requesting a 1099-C. None of them has responded with the information that I requested. Per XXXX, all the accounts just came back verified. I didn't ask them to verify the accounts I asked each company for a 1099-C because each XXXX of them company either wrote the account off or charged the account off meaning that the company wrote the accounts as a lost. meaning I should have received a 1099-C so I can file it as taxable income on my taxes but I didn't get a response to my request. The law clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Here is the list of companies I sent this request to. 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 don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Product: Debt collection

Received one missed call with a voice mail from dynamic recovery solutions and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed
Product: Credit card

I got a letter for citi card dated XXXX/XXXX/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & {$14.00}, there should be interest compounded on said amount. According to the letter, the time cover XXXX XXXX 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store National Bank ), I would have been charge interest along with late payment fees. So I think its only fair they pay interest on money that they held for me for over 8 years.
Product: Debt collection

I am not liable for the debt with ONEMAIN as my information was sold. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with ONEMAIN.
Product: Bank account or service

Wells Fargo has been running my credit report multiple times over the last year and now I am being denied credit because I have too many inquiries in my report. I never requested or consented for the bank to check my credit report except at the time of opening the account and today when credit was denied based on their own inquires.
Product: Mortgage

Dear Sir/Madam, I am writing to formally lodge a complaint against my mortgage servicer, Triad Financial , regarding their refusal to allow me to sell my home prior to initiating foreclosure proceedings. My mortgage account number is XXXX. 

I have been a homeowner at XXXX XXXX XXXX XXXX for the past year. I have been dealing with the fact my wife XXXX  and I am now going through a XXXX. When I purchased my home, we were a XXXX  family but now it is a XXXX XXXX XXXX. I made the decision to sell my property as I can no longer afford it. I informed Triad Financial Mortgage company of my intent to sell and along with the help of my Real Estate Agent and requested their cooperation in the process. However, despite my efforts my mortgage company has initiated foreclosure proceedings without giving me a fair opportunity to complete the sale. Ive had a couple offers in the short time my house has been on the market and have submitted them to my mortgage company with no response. Despite giving written authorization to speak to my Real Estate agent concerning the offers and what needs to happen next my mortgage company refuses to speak to her without me being on the telephone. I am trying to work to support myself and can not always be on the phone. For this reason, I gave my authorization to speak to the Real Estate professional. 

Despite my efforts my mortgage company decided to serve me with foreclosure papers with a sale date of XX/XX/year>. XXXXriad Financial has initiated foreclosure proceedings without giving me a fair opportunity to complete the sale. I believe that Triad Financial is acting in bad faith by not allowing me to explore the option to sell my home before they initiate foreclosure proceedings. Their refusal has not only jeopardized my financial situation but also caused significant emotional distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Triad Financial allows me the opportunity to sell my home before continuing with the foreclosure process. 

I appreciate your attention to this urgent matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately 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: Vehicle loan or lease

I payed the account off in XXXX of 2020 and the balance hasnt reported paid and hasnt changed since XXXX of 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report I dont recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name XXXX XXXX : # XXXX, Account name XXXX : # 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 XXXX 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. 
Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America fraudulently did not report my payment information in XX/XX/2022 with the credit card ending XXXX to all credit bureaus. 

Bank of America is NOT reporting the current and updated address to all credit bureaus.