23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXXXXXX  we received an Escrow Analysis from Freedom Mortgage detailing the new payment amount staring XX/XX/XXXX. The new payment amount was supposed to be {$2100.00}. This amount included a forced insurance premium in the amount of {$560.00}. We immediately submitted the proof of insurance for the property which had been in effect since XX/XX/XXXXXXXX  and it is still active. Sunsequently we received a letter from Freedom Mortgage dated XX/XX/XXXXXXXX  advising us that the account had been credited with {$5600.00} and that we would receive, via separate cover, an updated Escrow analysis with the new payment amount. As of today, this new analysis has not been received. 
We sent the XXXX payment via US Postal Service to the address where they collect overnight payments. We paid {$1700.00} instead of the {$2100.00} because we no longer had to pay the forced insurance that had been placed on the property. The check was cashed by Freedom Mortgage on XXXX 
As of this date Freedom Mortgage insists that we are delinquent on our account and they also insist that to avoid further legal action we need to pay XXXX and XXXX for a total of {$4300.00}. I have reached out to them in writing and telephone but no resolution. I have proof of all the above issues. We would like this resolved before any legal action is taken. Your assistance is appreciated and at this time I think you are the hope we have of resolving ths issue.
Product: Money transfer, virtual currency, or money service

I opened a business in XX/XX/2023. I chose to I opened a business in XX/XX/2023. I chose to go with XXXX XXXX for my accounting program. XXXX XXXX uses we pay for their payment system to receive payments online for my customers. We ran into problems from the beginning they are now holding {$1100.00} of mine and wont return it. On XX/XX/XXXX XXXX with we pay confirmed the settlement of {$1100.00} was under a normal state of review will take one to three business days. XX/XX/XXXX XXXX with we pay no longer processed my funds and it would be put into reserve for 120 days. XXXX with we pay on XX/XX/XXXX could no longer give me any more information. I contacted fresh books XXXX the senior team lead inform me I just needed to file an appeal. I have not heard anything since I did contact them today XX/XX/2023 we pay, XXXX with pay said that they would send it to the correct department.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I recently moved form XXXX XXXX to XXXX XXXX and today we each received 2 letters from Equifax identifying changes of address. The letters dated XX/XX/XXXX say that our new address is actually an address that we had 4.5 years ago and the letters dated XX/XX/XXXX say that our new address is the address from which we recently moved. I tried calling Equifax twice and they won't talk to me/us except to ask innumerable " security questions '' some of which ask for years old information that we don't have a record of. Our credit cards have been scammed several times in the past and we are now concerned that someone is trying to scam us again or trying to steal our identity and Equifax won't even tell us if they actually sent these letters or why they were sent. I spent most of the afternoon trying to contact Equifax to find out if these letters are really from them or a scam. Maybe because of our recent move, they can't seem to identify me either twice by phone or on the website. I called them in response to their letters and they won't talk to me. This credit agency shouldn't have the right to my information, send me erroneous letters and then not respond when they get it all wrong. I need help! This credit bureau equifax shouldn't be in business if they can't do the job and won't talk to people who they are tracking. They will not tell us what address they currently have on file for us. Won't tell us why these letters were sent. Etc. Etc. Please help.
Product: Credit reporting or other personal consumer reports

The company is westlake finiacial back in 2023 I requested forms with my signature proving I signed they refused to sent it to me said I have to send them paper work proving I didnt that doesnt even make since
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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
Product: Credit reporting

A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.
Product: Debt collection

Hi, I didn't receive any bill or collection from this company and suddenly they put it on my credit report, as a result of this, i had to pay the collection company the money i owed, {$9.00}. Also notified them i didn't get a call or letter. 
The name of the collection is Sequium Asset Solutions LLC Account was Opened XX/XX/2021 Account closed XX/XX/2021 2021
Product: Mortgage

We locked in a closing date, and were informed by our realtor ( not Quicken, our lender ) on the day of close that our date had been postponed. So we had to scramble to find housing as we sold our house on the same day. We had to turn in a form saying that we had n't taken out new credit. 
Then, our lender, because they postponed our close date, can change our origination fees because our rate lock expired. So now our origination fees and closing costs have increased almost $ 3K from our original GFE. Our seller is anxious and ready to drop the deal. We do n't have a home and now may not be able to close. 
It seems as though Quicken postponed the close date in order to up their fees to us. They did n't communicate the change in close date to us in a timely fashion ( or at all, we had to contact them to confirm ) and then their fees and rates changed in the days following the original close date. On the 'new ' GFE, they held the interest rate and made us pay points without informing us before we asked them for the HUD form. Fishy and fraudulent at best.
Product: Credit card or prepaid card

I made an online purchase of {$1300.00} on XXXX XXXX website on XXXX XXXX. I was charged the XXXX  transaction fee despite the amount charged in US dollars. Bank of America customer service refused to register a complaint and wanted me to talk to merchant about merchant transaction code about the fee. I would like to get clear information from the bank when I would be charged foreign transaction fees even the purchase amount is in dollars. I would also like to get the fee refunded for the US dollar transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report under all 3 credit bureaus, its shows multiple entries for the same debt ... 
this debt is not even mine. 
called the collections companies and they state they show nothing for me but yet leaves it up to me to clear out of my credit reports. 

XXXX XXXX XXXX XXXX called XX/XX/2020 @ XXXX ** they have the following debt listed 2 times on my credit report- XXXX XXXX XXXX XXXX {$2200.00} Debt Recovery Solutions XXXX called XX/XX/2020 @ approx XXXX ** they have debt listed 1 time- XXXX XXXX XXXX   XXXX {$2200.00} I also called this " XXXX XXXX XXXX XXXX  '' @ XXXX on XX/XX/2020 @ XXXX and after review they DO NOT have anything listed for me as a debt, not sure why 3 entries to 2 different credit agencies would have this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I received an alert from a credit reporting agency that an account was being reported as 30 days past due. 
I logged in and noticed that Bridgecrest Acceptance Corporation was reporting this information. I called to inquire and they indicated it was an error. However, they needed to wait until all the credit bureaus received the information before they would attempt to correct the erroneous submission. 
This entry alone has lowered my credit score by XXXX points. This is a violation of the Fair Credit Reporting Act.
Product: Bank account or service

On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent unauthorized inquiries that are reported on my credit report. These items violated my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the CFPB to continue its investigation on the 2017 Equifax data breach affecting nearly every American who uses and has ever used credit in this country, as well as many non-Americans abroad.

For the CFPB to announce that they are not going to continue their investigation is unconscionable. American tax dollars are funding this agency specifically to look into these kinds of issues and the agency needs to continue the investigation into wrongdoing on Equifax 's behavior that caused the information to have been leaked, and their potential criminal behavior especially from their CEO/CFO 's in between the time they learned of the hack and the time it was announced to the public, and since. 

Specifically, the illegal selling of stock market shares after learning of the attack and before making the public announcement. 

Specifically, the extremely long time between learning of the attack and the public announcement. 

Specifically, the attempt by Equifax to try to shirk their liability in an insincere and deceptive way by sneaking it into an agreement by accepting their offering of credit monitoring services. 

The CFPB needs to do their job here and those at Equifax need to be looked into, and those responsible for the mishandlings of personal data need to be held accountable for their actions. I'm calling on the CFPB to continue their investigation fully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with these credit bureaus, XXXX, Equifax, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, XXXX, Equifax, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report
Product: Debt collection

Company calls 7 to 8 times a day. Company repo vehicle after being 2 months behind after i made a agreement over phone to pay 3 days before it was repo. Explained that because of all issues with car and excessive fees i could not get back. A lemon that was patched up to sale. It was no need to call me that many times a day
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit card

On the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024 I issued an indorsed negotiable instrument to capital one along with a tender of payment in the amount of {$1200.00} in an attempt to settle the debt obligation of my credit card. Capital one kept my negotiable instrument and told me that they would not accept my payment and also refused my tender of payment. According to UCC 3-603 If a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, and the tender is refused then there is discharge to the extent of the amount of the tender. After my first payment attempt on the XXXX of XXXX they also restricted my account. I issued them a timely notice of the billing error and informed them that according to 12 CFR 1026 13 ( d ) ( 3 ) restricting my account is prohibited. They refuse to comply with the laws, and continue to violate my rights as a consumer.
Product: Checking or savings account

Dear Fifth Third Bank Customer Service, My name is XXXX XXXX, and I am a customer with a Fifth Third Bank account. I am writing to express my concern regarding two issues with my account : {$170.00} is missing, and I see a negative balance of {$290.00}, which I believe is inaccurate. 

I have reviewed my transactions and calculated the running balance of my account. Based on my calculations, my account should have a balance of {$360.00}, not a negative balance. For your reference, I have included the transactions and calculation below : For verification purposes, please note that the last four digits of my card ending in XXXX, and my date of birth is XX/XX/1981. 

I urgently request your assistance in investigating these discrepancies and providing guidance on how to restore the missing funds, address the negative balance, and secure my upcoming deposit from XXXX 's XXXX XXXX. Please contact me at your earliest convenience to discuss these matters further. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate. 


In order to calculate the running balance, I carefully reviewed my account transactions, including deposits, withdrawals, and purchases, from XX/XX/XXXX to XX/XX/XXXX. I started with the initial deposit of {$1200.00} on XX/XX/XXXX and added the subsequent deposits while subtracting the amounts of any withdrawals and purchases. The resulting balance, {$360.00}, is significantly different from the negative balance of {$290.00} currently displayed in my account. I believe this discrepancy indicates that there might be some errors or unauthorized transactions affecting my account balance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and as a result filed Bankruptcy XXXX XXXX in XXXX. I included XXXX XXXX XXXX XXXX XXXX in that Bankruptcy proceeding for an Auto Loan ( XXXX XXXX XXXX ). 

Thereafter, my credit report reflected the auto loan account as included in bankruptcy with no other further information. 

In XXXX, after the perpetrator of my identity theft was jailed and prosecuted in Utah, I wrote to XXXX and requested that since my accounts ( checking and savings ) at XXXX were overdrawn by the identity thief, that all accounts be removed from any bureaus that were reporting. Especially since my financial ruin and cause for Bankruptcy was the identity theft itself. 

Instead, XXXX changed my credit report to reflect that it is in fact XXXX owing and 120 days past due. 

I disputed this information with Experian Information Solutions, the single bureau reporting the incorrect information. Experian responded to my inquiries that XXXX has verified the past due amounts and information as accurate more than 3 different times. 

I directly disputed this information with XXXX by email. I received a letter from XXXX acknowledging this information was reporting inaccurately and it would be fixed. It has not. 

This is the only account on my credit report that reports as negative, therefore causing my credit report and score to significantly be lowered to the point of credit denials. 

Knowingly submitting false information to credit bureaus is a direct violation of the Fair Credit Reporting Act.
Product: Checking or savings account

The bank closed my account without my permission!! I needed the funds and had set up electronic transfers. My bank account needs to be reopened. I also asked 24 months of statements on my account, and never was provided.