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

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 

XXXX XXXX - 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 12 CFR 1022.82 ( c ) ( 2 ) ( ii ) ) - A user must develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested the report when the user receives a notice of address discrepancy. 


XXXX XXXX is reporting to the bureaus an inaccurate address, after numerous submissions of verification documents that confirm the information they are reporting regarding my identity and ownership of the account to be false. The bureaus refuse to abide by the laws set to protect me from occurrences like these.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Creditor Agreed to remove charge off from my credit report once paid in full. The account has been paid in full and is still on my Experian Credit report. 
Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The company calls numerous times a day - I told them to stop calling and even blocked a handful of numbers but they continue to call from others numbers multiple times a day. I went to my XXXX  account and saw a fraudulent account that I did not open and know nothing about so i submitted a dispute letting them know I know nothing about the account, did not open it do not have a login, it is not attached to my address nor do I have a card and the charges on it are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX IA account XXXX XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report immediately, they are hurting my ability to obtain credit.
Product: Debt collection

I've noted on my TransUnion credit report - and only at TransUnion XXXX, that there is a collection placed in XXXX for {$350.00} debt collection related to XXXX  service. I terminated XXXX servioce back in XXXX due to mobile phone did not work in XXXX XXXX  and XXXX XXXX areas and switched to another provider. I also submitted the compliant to FCC. Eventually it was a class action against XXXX and I as well as many others its former customers got something from it. Now, XXXX ( ten ) years after the debt collection... appered at my Credit report - and ONLY at TransUnion. My attempt to contact TransUnioon ended when TransUnion offered me to sign up for their for fee service and did not responded to my emails. I believe the TransUnion very unfair and quite illegal institution and should be thorough inspected by the US Goverment. Sure, the fraudulent collection should be immediately removed from my credit report.
Product: Credit card

I suspected fraudulent practice with Hotelbookings.com ( expedia ). I called Citibank within XXXX minutes, I followed their advice, subsequently I was billed for a transaction where no services or product was exchanged. Citibank reversed it's decision and favored the merchant. 
This a copy of my last letter to Citibank XX/XX/year> Dispute claim : D XXXX Hotelbookings claim of no valid cancellation, their was no reservation to be canceled.. 
When I suspected a fraudulent practice, I called Citibank card services and explained my concern. Citibank informed me that no transaction went to the XXXX XXXX and that I should make my own reservation. 
I verified by calling the resort myself and was told no reservation were made. 
{ can be verified by calling the XXXX @ XXXX I spoke to XXXX and XXXX } Now Citibank is reversing their decision and I am being penalized for following Citibanks advice, I would hope I do not have to contact the bureau of consumer financial protection. 
* Remember no services or goods were rendered by the merchant * The alleged transaction was with a unauthorized person * Hotel bookings claimed that their was no way to correct the dates * no e-mail was ever sent to my address ( XXXX )
Product: Checking or savings account

I am writing to formally request assistance regarding an unresolved issue with TD Bank concerning a recent fraud claim denial. Below, I have outlined the details of the incident : 1.Incident Summary : On [ XX/XX/year> ], I was the victim of a XXXX  on the XXXX XXXX, during which all my personal belongings, including my phone, wallet, and computer, were stolen. Among the stolen items was a book containing my debit card PIN. I usually write my pin for all accounts due to my mental health status and on this day, I left home with all my belongings due to a family issue. Upon entering the subway, I was approached by 3 guys who hackled me for a while and took all my bags and cellphone. I was upset and scared, I went back to my room and slept for 3 days. My parents realizing what happened assisted me to file a police report ( which never happened because the police still cant decide if the subway police or neighborhood precinct is responsible for filing the report. I was sent by a police officer at the XXXX XXXX XXXX XXXXXXXX NY to the bank to get a fraud affidavit. The bank representative said police always give wrong information and they can not help if the pin was used to access funds ).

2.Unauthorized Transactions : Following the theft, unauthorized transactions totaling [ {$310.00} ] were made using my stolen debit card and PIN. Despite immediately reporting the theft to TD Bank and filing a fraud claim, the bank denied my claim on the grounds that the correct PIN was used.

3.Overdraft Fees : In addition to the fraudulent charges, I have been charged over {$350.00} in overdraft fees. These fees are the direct result of the unauthorized transactions, which I had no control over due to the theft.

4.Efforts to Resolve : I have made several attempts to resolve this matter with TD Bank . However, the bank has refused to reverse the overdraft fees or reimburse the stolen funds. 

Request for Assistance : I believe TD Banks denial of my fraud is wrong and need help to address the issue to have my checking account ( XXXX ) reinstated. 

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

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the fair credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1.Defamation 2.Negligent Enablement of identity Fraud 3. Violation of the Fair Credit Reporting Act Sincerely,
Product: Mortgage

I recently purchased my first home with 20 % down. The home is a re-sale ( not new construction ) and has tax abatement with 7 years left. Although I am not required to ( per my loan agreement ), I am currently being charged monthly escrow payments. I did NOT request this. The issue is that these MONTHLY escrow payments ( $ XXXX/month ) equal close to a FULL YEAR 's worth of tax expenses ( $ XXXX/annually ). Again, this is a re-sale so there are 3 years worth of tax payments and history ( from the previous owner ) showing that the annual tax totals $ XXXX/YEAR. However, Better Morgage Corporation is currently charging me $ XXXX/MONTH in escrow IN ADDITION to the {$4500.00} I have already paid as an initial escrow payment at closing. As outlined in section 1024.17 ( C ) this is far in excess of " an amount sufficient to pay the charges respecting the mortgaged property, such as taxes and insurance ''. I have reached out to Better Morgage Corporation ( lender, who estimated the escrow amount ) via email making them aware of this issue. They responded with the following : " Property taxes taken 1.5 % of the purchase price for monthly impounding for a specific PA property. The property was built in XXXX however when the tax amount is lower than 1 % of the purchase price, these are the guidelines we follow. The purchase price is {$480000.00} and as per the tax certificate, THE TAXES PAID ARE ONLY {$900.00} which is 0.189 % of the purchase price. " ( email communication received XX/XX/XXXX ) In short, Better Morgage Corporation acknowledged that the historical ANNUAL taxes for the property total {$900.00} but are charging me far in excess of that amount anyway. 

Additional Information : Lender : Better Morgage Corporation Settlement Agent : American Legal File # : XXXX Interim Loan Servicer : XXXX XXXX XXXX ( Loan ID # available upon request ) next payment XXXX Future Loan Servicer : XXXX XXXX XXXX Loan ID # available upon request ) next payment XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- credit beaureus are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The following derogatory account allegations are either untrue, unverified, incorrect, untimely, not mine or not my responsibility, or otherwise not pro compliant to regulatory federal reporting laws and or standards and must be removed immediately. The infractions are as follows : XXXX XXXX XXXX closed andcharged off but still showing as past due. 145 % utilization showing XXXX XXXX XXXX Closed accounts that are affecting my credit negatively after being paid in full. 
US Dept of Education- closed accounts that are affecting my credit negatively after being paid in full. 
XXXXXXXX XXXX XXXX XXXXXXXX-Collection that is showing past due balance. 
XXXX XXXX $ XXXXCollection that is showing a past due balance.
Product: Debt collection

I sent letters asking for full detail of everything I received at the hospital, and the company could only send me letters of verification without any information on what I received.
Product: Checking or savings account

I scheduled an on line payment from my bank ( Citizens Bank ) to my credit card in the amount of {$15000.00} on XX/XX/XXXX to be delivered XX/XX/XXXX ( confirmation # XXXX ). The funds were in my account. I received a letter from the bank stating that they were sending a check for that amount and it would be delivered by the XXXX as scheduled. The payment was delivered on XX/XX/XXXX incurring an interest charge of {$240.00}. I have made several phone calls to Citizens Bank, been put on hold for extended periods of time, made to explain and give all the details of the issue over and over, and spoken to 6 different people over the course of a week. All have admitted that it was the banks error and they would reimburse me. One ( XXXX  ) filed a complaint with their 3rd party payer ( XXXX- case # XXXX ) stating that I would be contacted. I have not been contacted. XXXX, at first said they needed me to participate in a 3 way call with the credit card company. I agreed and told him to initiate it at that time. He immediately backed down on the suggestion and claimed that he and his supervisor ( XXXX XXXX were sending a letter to the credit card company explaining the issue and, if the credit card would not refund the money, the bank would reimburse me the full amount. He assured me that the issue would be resolved by XX/XX/XXXX. It was not. On my last call on XX/XX/XXXX, after over an hour on hold and being transferred 3 times, XXXX stated that there were not many notes in my file and he wanted to escalate this to my tech support. I was put on hold for the third time that day and left to hang there. No one ever took the call and I hung up after 30 minutes. I'm being given the royal run around. The bank made an error and expects me to pay for it. Not at all acceptable. I want the to reimburse me the {$240.00} apologize for the inconvenience theyve put me through.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

No live agent to report stolen monies and scams to.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report,
Product: Credit card

I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last 4 SSN : XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, XXXX , Experian and XXXX. Despite multiple attempts to resolve inaccurate reporting on my credit file, this company has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to XXXX disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which is not true because I have the tracking number and stated that the letter was successfully delivered.This indicates that XXXX is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, XXXX has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various reportsXXXX and XX/XX/XXXX. 
Inconsistent Reporting of Delinquency : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure XXXX conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. XXXX repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, XXXX will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX
Product: Mortgage

I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX AND EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.