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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX OF XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX & XXXX BANK XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

I am writing to formally dispute an entry on my credit report that I believe is inaccurate or incomplete. This entry appears to be a result of incorrect information and violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date records. The entry I am disputing is related to [ Equifax ], listed on my credit report under account number [ XXXX and XXXX ]. I have reviewed the information on my report and have determined that it is either inaccurate, incomplete, or otherwise unverifiable. Specifically. Under the FCRA, credit reporting agencies are required to investigate and resolve disputes regarding inaccurate information within 30 days of receiving a request. As such, I am formally requesting that XXXX conduct a thorough investigation into the validity of this entry and provide me with the following : XXXX. Documentation proving the accuracy of the information reported. XXXX. Evidence that the debt is valid and belongs to me, if applicable. XXXX. Any verification that the creditor has reported the debt accurately. If XXXX can not provide sufficient documentation or evidence to support the reported entry, I am requesting that the entry be immediately removed or corrected from my credit report, as required by law. Please note that under the FCRA, if this information is not verified as accurate, you are obligated to delete it from my credit file. Additionally, I expect that any future reports will reflect the corrected information once the dispute has been resolved. Kindly confirm receipt of this letter and notify me of the results of your investigation within the 30-day period prescribed by the FCRA. Should you fail to provide satisfactory evidence or fail to resolve the dispute in a timely manner, I will pursue further action to ensure compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not notified properly that my forbearance was expiring in XXXX. I was traveling for work in NY and had all my mail forward but it is unreliable. I have specifically requested email and/or phone calls for best way to reach me. I normally receive an email that states that my payment is due, last one I received in XX/XX/XXXX. I never received anything stated my payments were do in XXXX. I did not get notifications until XXXX/XXXX. I contacted XXXX in XXXX to put my accounts back on forbearance and specifically asked the representative if my account was not in arrears. He told me that my account was in good standing and that my accounts were not in over 30, 60, or 90 days old. I was never aware that my account was sent to credit agencies for reporting late payments. XXXX has done this to me over 3 years and they refused to remove it and cost me damages. I have worked very hard to keep my accounts current since then and have never had any over 90 days late. The one time they did not properly notify me they reported my accounts in XX/XX/XXXX. I contacted them today XX/XX/XXXX and they never take accountability and reminded them of the multiple lawsuits against them. I wanted to make sure that XXXX Manager in PA review my phone call back in XX/XX/XXXX when I was improperly informed about my account.
Product: Vehicle loan or lease

Re : XXXX Acct # XXXX On XXXX XXXX, I purchased a new vehicle from XXXX XXXXXXXX XXXX XXXX NJ . At that point I turned in my XXXX  XXXX XXXX, to that dealership. I was told that the remaining balance of {$840.00} would be rolled into my loan with XXXX XXXX ( I have attached the Authorization for payoff form ). 
However, for years Nissan XXXX is showing up on my credit report with a balance of {$4500.00}, however it shows current and {$0.00} as current payment. 
This debt is not my responsibility, it was supposed to be rolled into my previous vehicle payment. In the three years since I turned in this vehicle, I have never received a bill, and on my credit report, it shows payments are current. 
It is imperative that this debt is removed from my credit report! If I need to provide any additional paperwork to get this removed, please let me know.
Product: Credit card

In XXXX I contacted Synchrony Bank in regards a Disputed Transaction that I made with the recent payment on the account ( ending XXXX XXXX XXXX It involved a transaction dated XXXX/XXXX/2015 numbered XXXX, ostensibly to a " XXXX XXXX TX '' in the amount of {$260.00}. Later this was upheld and the dispute apparently was resolved in XXXX 2015. 

Then there was a mix-up and I was credited with another payment, but that was resoved by action of the bank. But it was followed by another charge and there is absolutely no documentation to support this previously charged item noted and is probably another un-supported charge made by these people identified as XXXX XXXX TX. It just goes to show you that the information contained in the XXXX XXXX, 2015 letter that they felt might slip by your bank. 

I have asked the bank on three subsequent occasions to please reverse this charge that is clearly an error. There has been no response forthcoming from the Bank 's Customer Relations Department other than on the reversed charge, which was on the billing. Instead, they have charged me interest on this XXXX twice and now have charged another fee of {$25.00} for late payment which I have protested and sent back their Sam 's MasterCard for their failure to communicate to me just what is their rationale for charging another fee for the XXXX when they originally had upheld my disputed billing. 

All I got was a letter dated XXXX/XXXX/2015 stating that " ... your credit of {$260.00} was applied to you account on XXXX/XXXX/2015. You can find this credit on a previous billing statement. '' This took care of the double credit but there was no explanation for the other billing XXXX! 

And this has now resulted in the fourth letter regarding this matter because their recent billing included more late charges and another service charge. So, I have had no other option than to cancel this card because of your failure to service the charges made on it particularly to Sam 's Club ; and, I have now considered filing a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to seek your assistance in enforcing my legal rights and addressing multiple credit reporting violations that have profoundly impacted my life. The violations in question involve various creditors and accounts, and the details of these violations are deeply distressing. I believe that these creditors have unlawfully reported inaccurate and unverified information on my credit report, which has had severe consequences for my financial well-being and overall quality of life. 

These violations not only caused immense stress and XXXX  but also hindered my ability to secure housing, obtain reasonable interest rates on loans, and access financial opportunities that would have otherwise been available to me. The emotional toll of this situation has been overwhelming, and I am left feeling helpless and unfairly burdened by these inaccuracies on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate and enforce my legal rights. Specifically, I urge you to engage with the relevant creditors listed below and request the removal of these unverified accounts from my credit report : XXXX ( Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA Section 1681e Federal ( Account number : XXXX ) Potential Violation XXXX Inaccurate Reporting under FCRA XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Potential Violation : Inaccurate Reporting under FCRA Section 1681e XXXX XXXX XXXX XXXX Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA Section 1681e XXXX XXXXXXXX ( Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA Section 1681e U.S. Bankruptcy Court XXXX Account number : XXXX ) Potential Violation : Inaccurate Reporting under FCRA Section 1681e XXXX  | XX/XX/XXXX XXXX Account number : N/A XXXX Potential Violation : Inaccurate Reporting under FCRA Section 1681e XXXX XXXX XXXX  AZ XXXX ( Account XXXX XXXX XXXX ) Potential Violation : Inaccurate Reporting under FCRA XXXX XXXX XXXX XXXX | XX/XX/XXXX ( Account number XXXX XXXX ) Potential Violation XXXX Inaccurate Reporting under FCRA Section 1681e These creditors have not only violated my rights but have also caused immeasurable harm to my well-being. I implore the Consumer Financial Protection Bureau to hold them accountable for their actions and ensure the immediate rectification of these credit reporting violations. 

I genuinely appreciate your attention to this matter and your commitment to safeguarding consumers ' rights. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or documentation to assist with your investigation. 

Thank you for your time and assistance in addressing this pressing issue. I look forward to a resolution that will help alleviate the burdens I have endured due to these credit reporting violations. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I.m request for a loan Deferment on my account to get a grace period to get caught up on my account to bring it current but i.m falling back in hardship but i.m current request this loan Deferment... customer need help ....
Product: Debt collection

I have been having an ongoing dispute with a debt buyer collector Portfolio Recovery Associates who for the past five months has refused to provide me validation of debt from the original paperwork I have asked for. Since I know the debt is not mine I have been asking for this proof. 
To my dismay they sent me a letter from their collections dept with a copy paste letter which is not original and not on company letterhead. I called XXXX XXXX  to ask them if they ever sent out notifications on paper not containing their letterhead and they said they did not do that. Here this debt buyer which is reporting on a debt which is not mine is providing me what they say is original proof of the debt but it is nothing more than an in house generated statement. I am including this in the complain for the record. 

I am asking this agency intercede on my behalf to provide the transparency I has requested from them multiple times and which they seem to regard as 'optional ''. I need assistance as a consumer, and I need this company to provide the facts or remove the debt. This is not mine nor is it official as I requested.
Product: Credit card or prepaid card

On XX/XX/XXXX, it was brought to my attention that there were several charges, or amounts on charges, that I didn't authorize. I immediately locked the card with the app option online and contacted Citi bank to let them know what was going on. At that time, I filed a dispute and advised them that I did have the card but I was in XXXX at the time and being a XXXX I had been taken advantage of, and exceedingly high amounts were charged on several scenarios, these amounts were not authorized by me. Also, there was a substantial charge of over {$1200.00} that I could not validate in any way. They advised me that they would investigate the situation and contact me if further information was needed. They made no attempt to contact me, but claimed they had, and closed the dispute on XX/XX/XXXX, although It's quite impossible to tell when anything was done, as their dispute center doesn't provide very accurate information, and there no alerts as to when the information is posted to the account. 

Because they claimed to need more information, I called their security center, as instructed in the dispute center, to reopen the claim. At that time, I had to go through the whole explanation again, and validate which charges were fraudulent. Several days later, I checked in the online dispute center, but no new information had been posted. I again contacted the fraud department, and was advised that they could see and active investigation, and that not to worry, it was being worked on. It's now XX/XX/XXXX and I contacted them again, this time I escalated the call to a supervisor who eventually tried to explain that my situation was consider a scam and that it was not covered. Citi Bank is trying to change the very definition of fraud to suit them. I've had a scam occur one other time and my bank covered the charges, but apparently Citi bank does what best suits them and does not, as their moto says, " Have your back. '' Throughout this entire time, Citi bank has never contacted me, they have never been forth coming with any information and now to have someone tell me that, even though you explained the scenario, that it's not covered. I've had scams and fraudulent scenarios occur with my bank, and they didn't try to change the very definition of the word. Also, during this time, Citi Bank increased my credit line without me requesting it. I brought this to the attention of the supervisor, who claimed he could not see this and that is not their practice. Well, when they about max out your credit line allowing fraudulent charge to remain, then giving you more room to rack up more charges must be their way of helping a customer out. Takeway : Citi Bank has the back of the scammer 's and fraudsters over that of their customers.
Product: Mortgage

My loan to value % is under 78 %. I have called my mortgage servicer several times about the automatic termination of PMI. They refuse to remove it, and only reference the 80 % threshold which is a different issue, and request for me to pay for an appraisal and use those values. After several phone calls I submitted a letter on XX/XX/2017 with us codes attached. I received an email stating they were received, and I have all that information. 
I called them again and spoke to a representative, they still would only discuss the 80 % threshold and acted as if the 78 % law did not exist. 

Homeowners Protection act states in code 4901 ( 18 ) The term " termination date '' means -- ( A ) with respect to a fixed rate mortgage, the date on which the principal balance of the mortgage, based solely on the initial amortization schedule for that mortgage, and irrespective of the outstanding balance for that mortgage on that date, is first scheduled to reach 78 percent of the original value of the property securing the loan. 

So an appraisal is not needed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I called PayPal Credit to understand how my payments are being allocated. I currently have two active promotions with PayPal Credit, a 0 % for 24 months Easy   Payments and a 0 % for 6 months with deferred interest. In XXXX I payed two payments totaling {$400.00} and in XXXX I payed {$450.00}, both months paying well over my minimum amount with the intent of all of the money over my payment to apply to my 0 % for 6 months promotion in order to pay it off before XX/XX/2019 when if becomes an interest bearing account. 

I noticed today, XX/XX/2019, that all of the month I paid in XXXX and XXXX, with the exception of the minimum amount that was allocated to the 0 % for 6 months, was allocated to the 24 month fixed term. When I called on XX/XX/2019 to correct this issue, I was told by a representative named XXXX that all payments in excess of the minimum payment will automatically go towards the Easy Payments term first, until the 6 month promotion term is within 30 days of becoming due. XXXX also said that if I wanted to make changes to how payments are allocated that I would have to call in and that the process would take up to five days to complete. I asked to speak to a supervisor because I was concerned by this process. I spoke with a manager named XXXX and she echoed the statements of XXXX and said that my XXXX and XXXX payments were being reallocated. 

It is my understanding that under the Dodd-Frank Act that all line of credit payments are to be allocated to the highest interest bearing portions of the account first. In this case, I do not need the extra month applied to the the 0 % for 24 months as that promotion is a fixed term that pays off after the 24 months. Instead, I need any extra payments applied to the shortest term which will become interest bearing in only three months from now. 

The fact that I have to call PayPal Credit to have them reallocate my payment is unacceptable. When I called on XX/XX/2019, there was an 18-23 minute wait time. Luckily they did offer a system that calls me back but for me to have to do this every time I make a payment in excess of my minimum payment is ridiculous. This process is a ploy to make customers go " the long route '' to correct issues on their accounts with hopes that they will give up out of frustration and PayPal Credit can reap the benefits when the account becomes interest bearing.
Product: Checking or savings account

I had fraud to my Wells Fargo account that i have had it for 39 years. I was contacted by a person saying his was a Wells Fargo agent and that I had fraud. I was dealing with my XXXX  parent was not in my right mind. They took money out of my Checking account in the amount of {$6800.00}. I followed the proper protocol and had all accounts closed. I contacted the police department and filed a police report. I continued to call and was informed that they are working on it. I finally got a letter saying the claim was denied. I was told it was going the executive escalation department. Never heard back. Called today and was told that my claim was never opened back up and my claim was denied. I feel that my information was provided by a breach with Wells Fargo, for them to have my all my personal information. Wells Fargo is insured for this and they told me that I would have to do the research to get my money back. I feel as if they did not investigate properly and they are just denying all claims. I am very disappointed with Wells Fargo Fraud department. They had been extremely rude to me on each call. Big banks do not help they clients when they have fraud due to there negiliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX7 & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I had an existing loan with Ally Bank with a remaining balance. I traded the vehicle in and financed the new vehicle through a different bank. The balance with Ally Bank was cleared when I completed my trade in on XXXX/XXXX/2016. 
Ally Bank then took an automatic payment on XXXX/XXXX/2016 from my checking account on file with them, even though the remaining balance on the loan was XXXX with XXXX scheduled payments, per their website. 
When I called them, they stated I should have called them to cancel auto pay for my loan with a XXXX balance remaining. There is no option to unenroll from autopay on their website.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true Credit history
Product: Student loan

I sent numerous written correspondence and submitted a receipt of payment. XXXX has violated my rights under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. According to The Family and Education Privacy Act of 1974 all of rights have been trampled. I sent a letter to which I did not receive any type of response as to the status of my account and why my account does not show accurate account information. They are also in direct violation of The Education and privacy act which said the school would not provide transaction history to any third party companies.