23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name : XXXX XXXX  XXXX Account Number : XXXX Amount Reported : {$10000.00} Creditor/Lender Name : XXXX XXXX XXXX Account Number XXXX XXXX Amount Reported : {$21000.00} Creditor/Lender Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$7100.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within XXXX  days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports. 

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

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

I signed up to build credit with " Brigit Credit builder '' requiring {$5.00} per month for a total of 24 months. 7 months later XX/XX/year> they inaccurately added a missed/late payment when I have paid on time direct debit from my account. In most cases I even paid early but I never missed a payment. I contacted Brigit via email and got an automated response from the robot. Stating my obligations to pay on time and develop responsible payment history and their obligations to report. I have proof that I paid on time and I'm asking that this missed payment be removed from my credit report immediately Hopefully without getting a lawyer involved. In addition to this I also saw a late payment from over 7 years ago that I am asking be removed as well as I don't recognize or recall what is was for and because it's older than 7 years. Brigit was unclear that I would be trapped into this program after signing up especially because they have done more damage to my credit report than good and I wish to cancel. However they are requiring me to pay off my fictitious loan that I never received off in order for them to cancel.. I have never received a loan from Brigit in exchange for building credit. It's a monthly billing service that charges me {$5.00} per month in exchange that they report accurately on my credit report which they haven't and after disputing this this still refuse to accept that it's some sort of computer error.
Product: Mortgage

My complaint surrounds the illegal execution of a foreclosure sale completed on XXXX XXXX, XXXX. I have requested on multiple occasions for XXXX XXXX XXXX XXXX ( XXXX ), XXXX, located at : XXXX XXXX XXXX, XXXX, CO XXXX, to provide me with proof of service, as well as all copies and documented effects relating notice of foreclosure pending for XXXX XXXX, XXXX. It is a fact, that I did not receive notice from XXXX, nor Ocwen Loan Servicing ( OLS ) my lender. At no point was information or dialogue ever reciprocated to me that that there was a pending foreclosure action scheduled for my property. 
It is also a fact that, I was in constant, consistent contact with XXXX located at OLS, ombudsman 's office during the time of the sale occurring and I was completely blind-sided with both XXXX and OLS illegal actions perpetrated against us which has displaced our family. 
Per Colorado Revised Statue 38-38-101 requires specific documents be filed with the Public Trustee in order to initiate a foreclosure. I have requested case numbers pertaining to these foreclosure filings and XXXX has refused my requests in their entirety and my following requests are still being ignored : - Notice of Election and Demand. 
- Original Evidence of Debt, or a copy of the Note and Certificate of the Owner and Holder of the Evidence of Debt, or a Corporate Surety Bond in the amount of XXXX times the face amount of the original Evidence of Debt. 
- Original Deed of Trust or certified copy, or copy with certification letter - List of names and addresses of parties to receive notice. - Combine Notice from the Public Trustee 's Office We implore your office to investigate this matter immediately, as XXXX which is considered a foreclosure mill purchased from XXXX and XXXX ( Shut/Closed Down ), is in the process of attempting to evict my family at this time. We are forwarding to additional bank regulatory agencies. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to XXXX XXXX XXXX XXXX, XXXX, and TransUnion to correct an error on the reporting on my mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. The months of XX/XX/XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XX/XX/XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that  the XX/XX/XXXX payment would not be corrected as it was more than 30 days late and the XX/XX/XXXX payment was not reported to any either XXXX or TransUnion as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and  submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and TransUnion reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to XXXX and TransUnion for correction on the reports. I submitted all documentation to both including documentation of the payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Both Experian and TransUnion will not correct the reporting of these two months. All Reponses state that both XXXX and TransUnion confirmed with XXXX XXXX that the payments were reported correctly. XXXX and TransUnion completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, Transunion changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.
Product: Checking or savings account

I signed up through the app and made a transfer of {$44000.00} through XXXX. Shortly after the transfer went through on Thu, XX/XX/XXXX at XXXX I received an email from support that my account was restricted due to suspicious activity. I replied at XXXX asking what I need to do to resolve the restriction on my account. At XXXX I receive a reply from support that they are going to transfer me to the correct team to help me and that I should get a reply within 1-2 business days. On XX/XX/XXXX at XXXX I have not heard back from anyone yet so I send another email to support asking if there is any information I can provide to help with the process and remove the restriction. On XX/XX/XXXX at XXXX I still have not received a response so I follow up with another email asking if there are any updates. On XX/XX/XXXX at XXXX I again ask if there are any updates and to this day have not received a response or help from support. This correspondence was all done through email. I had a very similar experience with their in app support chat as well. On XX/XX/XXXX at XXXX XXXX  I asked through the in app support chat if there was an update regarding my account restriction. I received a reply that it was being transferred to the correct team and I would receive a reply in 1-2 business days. I followed up with similar messages asking if there was any information or documentation I could provide to assist in the process and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX  XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX XXXXXXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX XXXXXXXX {$1000.00}
Product: Vehicle loan or lease

I got a loan from Wells Fargo about XXXX XXXX XXXX and it was supposed to be paid off this XXXX, Wells Fargo is still saying I owe roughly XXXX on the loan and I have made every payment and have used approx XXXX deferments so at the latest it should be paid off by the end of the XXXX I believe my payments have not been applied to my loan and Ive been charged illegal fees and would like this matter investigated
Product: Credit reporting or other personal consumer reports

My credit report contains mistakes under 15 USC 16c-2 with unauthorized inquiries harming my score. Please remove them. Thanks.
Product: Credit card or prepaid card

Five months ago, I opened an Advantage card with Citi,  because it was advertising a XXXX + XXXX mile sign up offer. The conditions were : 1 ) spend {$3000.00} in the first 3 months to get XXXX and 2 ) spend total of {$5000.00} in the first 12 months to get XXXX miles. 

The card was approved but the credit line given was {$1500.00}. I make about {$75000.00} annually and already have a Citi card with {$20000.00} line on it ( 3-year history, never made a late payment, never carried a balance ), while the total credit line across all the card is ~ {$100000.00}. I called Citi to ask for the increase, because no way one could meet the requirements with that credit line. I asked for the increase twice. Both times was denied. 

So, I had decided to make payments of my balance throughout the cycle ( in the middle ) to allow me spend more. My first payment was put on hold for a week or two which prevented me from using the card ( there is a bounced charged on the record to prove XXXX. 

I was very concerned about this 'set to fail ' scheme, so I called Citi on 3 occasions to verify my spending total to make sure I meet the requirement. I was told that I had by the end of XXXX to spend {$3000.00}. On the last of the 3 calls, I was told that I spent ~ {$3200.00} ( I later verified as {$3200.00} ) and that the XXXX miles would be credited XXXX when the statement is generated. 

As my last payment was put on hold this month yet again, I chatted with Citi ( on XXXX around XXXX PST ) via online chat and was told that the hold would be taken off in a couple hours. I had asked the representative about the miles, and yet was assured that they would be credited in a couple hours. 

Few hours later the statement was generated but no miles were granted. I called Citi in the morning of XXXX and was told that the spending requirement WAS NOT MET. No one would check the past records. It appears to me, that Citi representatives lied to me on 4 occasions about my spending. On top of the fact that the card was set to fail from the start.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to update my address and have some inquiries removed from my credit report.I was told that the items take 25 months to fall off but as a courtesy Transunion will remove the items at month 24.I ended the first call with no resolution .I called again on theXX/XX/XXXX to dispute those three items on my report that I had no knowledge of, instead of being helped I was told again that the items fall off in 24 months My credit score should not suffer for inquires on my credit that I did not approve.
Inquires in dispute XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX around XXXX XXXX an ad was posted on XXXX for a switch bundle for {$210.00} under the account name XXXX XXXX. My daughter showed interest in the product and they asked if she could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after she had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from XXXX. She is now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. She has reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.
Product: Checking or savings account

I had a checking account and lost my debit ( card ending in XXXX ) and had someone buy XXXX and gas. Citibank closed my account without warning because of this and not allowing me to reopen it. This was a fraud situation. They closed my account and the letter they provided does not specify any reasons. It's absurb that a bank allow clients to experience fraud and blame them. They do not care about the being of their customers, they are always experience some information being breached. I would like to have the option to continue my banking with Citibank.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Mortgage

We started the online process of refinancing our original mortgage with PNC on XX/XX/2021 ( reference number # XXXX. ) I have saved all the emails from XX/XX/2021 to XX/XX/2021 to employees of the PNC mortgage department, except the secured emails from PNC as they are unavailable to access. I will outline the experience my wife and I went through as PNC employees disassembled the whole refinance process over a 5 month period and denied us a mortgage. 

XXXX XXXX, mortgage officer, and I started communication after the online application. I completed all the portal steps for application in timely fashion, day or two. In the months of the conversation of emails I inquired many times about the holdup with the refinance, why was it taking so long. I was told there are alot of applications and people are overworked. I could understand that process, but a refi for an existing customer seemed like a slam dunk. That is why I went with PNC in the first place. 

Eventually, the process was moved to XXXX XXXX, one of the closers ( paper shufflers. ) The paperwork nightmare on many levels, especially XXXX XXXX, spiralled down in that I became concerned about lost documents. Requiring me to resubmit the same documents made me question the integrity of the process and safety of my financial information ( taxes, bank statements ). I wasn't sure why my documents became lost, one document was sent 3 times by me to PNC. I asked to talk with a supervisor, to give feedback about the process, as it was taking months. 

XXXX XXXX contacted me and began to attack and blame me. I wanted to find out why it was taking so long and he became aggressive. He did not respond at all to my concerns. In fact he cancelled the loan and I have not every been informed as to why I was not given a mortgage. He actually blamed me for the mortgage not being completed and retaliated by dropping my application after I told him I wanted to talk to his supervisor, XXXX XXXX, that I was going to report to the CFPB. I never heard back from XXXX and XXXX, despite requesting a formal internal investigation by PNC about the process of my application. 

I was never told why my remortgage took 5 months to come to some conclusion that I wanted to close on that mortgage rate which was locked in at 3.00 %. Since I was locked out of the process I can only conclude the refusal to move my mortgage along was due to my wife and mine age, we are both over 65 years of age. I think the way they handled me was discriminatory based on age. 

Nonetheless, I reapplied at our personal bank and received a refinance, of course at 3.25 %. Looks like I lost because PNC discriminated against my wife and I, due to age.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Vehicle loan or lease

I refinanced a vehicle loan via Statefarm Bank in XXXX of XXXX. I paid off my vehicle loan in XX/XX/XXXX. Despite placing over XXXX calls with customer service representatives of Statefarm Bank over the last 2 years, I have still not been issued an electronic title release to the state of North Carolina in order to receive my vehicle title. 

I have confirmed with the North Carolina DMV that the title is showing held up in their system & can not be released with a paper lien release. Multiple DMV employees have stated that they must receive an electronic lien release from the bank in order to issue my title. I have placed over XXXX phone calls in the last 6 months to Statefarm Bank communicating that the NC DMV must receive an electronic title release. I do not have records of every call, but most recently I have placed calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Additionally, when I have asked to speak to someone in the Titling department at the bank, I was advised this department does not have a phone number, email address or any way for consumers to make contact. I have been promised that I would receive a call from the Titling department on several occasions ( most recently on XX/XX/XXXX ) & have never once received any communication from this department. The only thing I have ever received since paying off the vehicle has been several paper copies of the lien release via mail, despite clearly communicating to the bank that the DMV will not accept paper releases and must be provided an electronic release. 

My most recent call on XX/XX/XXXX, the representative I spoke with, XXXX, advised that there is no update from the titling department. They have told me for the last month that the Titling Department is pending communication with the DMV regarding this issue. We have heard this several times over the past year with no resolution. 

It is clear that the bank is not taking my request seriously and have made it impossible to make contact with the appropriate parties which should be able to solve the issue. Consequently, I am unable to sell my vehicle because I can not receive a title. 

Please let me know if you need any further details. Thank you!