23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Modification granted ( All taxes and monies calculated ) XX/XX/XXXX- Caliber messed up escrow analaysis overcharged for payment XX/XX/XXXX- Escrow department issued a surplus credit ( {$370.00} ) XX/XX/XXXX- Escrow department states the account has a XXXX Called rep for Caliber on XX/XX/XXXX and asked why {$660.00} added to my XXXX payment and they stated in XXXX XXXX, they did an escrow analysis and I was short. So in XXXX I need to pay this mystery shortage. I asked for a supervisor because the associate was at this point not very helpful and I was told the supervisor was not available. I emailed a request for an explanation. The bank is unable to show me where this mysterious shortage came from
Product: Checking or savings account

I have had a wells Fargo account since XX/XX/1990. Currently I am in the hospital with having a XXXX. I am in XXXX. I receive my pension direct deposit into my account for years. After having the XXXX I lost my username and password. I have tried to solve the problem with them for a year now. They said I have to go into a branch to fix it. Because of being trapped in the hostpital and covid I could not do this. So eventually the bank told me to just call the telephone banking system and instead of entering the pin number I could access a limited summary of my debits and credits to my account. I have been doing this for months now and it was working fine until recently. When I call telephone banking it no longer gives me the option to enter the last 4 of my social security number to gain access. It simply routes me to a banker and they don't help. I escalated it to the executive office for a resolution and they sent me a. response letter that contains no resolution. Please I need to be to at least check my deposits and debits! I have automatic payments withdrawal. Also I have my pension direct deposit into my account.
Product: Credit reporting or other personal consumer reports

I have sent in documentation for over two years to try to remove all unauthorized inquiries on my account I had no inquires on my report now I have over 20 due to identify theft and these inquires have not been removed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of credit bureau 's data I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified 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 must be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the unverified and unauthorized items on my credit report. Despite my multiple requests for investigation and deletion of these items, they continue to be reported inaccurately, which is adversely affecting my creditworthiness and financial opportunities.
Product: Debt collection

On XX/XX/XXXX they follow me all the way to my job and stand outside my work place follow me everywhere tapping my phone my XXXX and follow me everywhere that I go they break into my RV ace stole my car and then return it the only thing they need to do is come and shoot me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested Discovery to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Discovery send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced my auto loan from exerter finance in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. 

Thank you for your attention to this urgent matter. 

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

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to bring to your attention a serious matter involving bank fraud that I have recently experienced. Good evening, last year Citizens bank got hacked for thousands of dollars from people accounts. The exposed personal information could be exploited for identity theft, leading to various fraudulent activities. One of the accounts was mine. I have a saving account that has a total amount of {$9100.00} when I went to check to remove my money a few months ago the teller than proceeded to tell me I had a account balance of {$390.00}. I than asked her to print out all statements. She advised me to contact customer service to claim fraud on my account. I provided all necessary information, including transaction details, account statements, and any other requested documentation. However, despite multiple follow-ups, the bank has not taken appropriate action to investigate and rectify the situation. 

After 45 days of waiting for my money and numerous of calls to the claims department I was told I was refunded {$5000.00} but the other {$3800.00} was not going to be refunded because it was over 60days. This is a saving account that i never use nor did i ever receive any letters regarding money was taken out. I put my money and trust in Citizens not have my hard earned money robbed from from. I called and spoke to manager last week on Tuesday XX/XX/XXXX she told me to was going to expedite my claim and have my money sent back to me in 2-3 business days. I checked with the bank of Monday XX/XX/XXXX and there was no money deposited. I am lost at all words I honestly didn't know the 60 days limit to report fraud. 

These transactions were not initiated or authorized by me, and I immediately contacted the bank to report the fraudulent activity. The unauthorized transactions have caused financial distress and inconvenience. I am concerned about the security of my account and the potential for further fraudulent activities Below is the transactions was taken out. 

I appreciate your prompt attention to this matter and request your assistance in ensuring that the necessary steps are taken to investigate and resolve the bank fraud. I trust that your intervention will lead to a fair and satisfactory resolution. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX XXXX XXXX Thank you for your time and assistance. 

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

On XX/XX/17, Sunrise Credit Servies Inc., added a derogatory mark on my credit report per XXXX and XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there are NO written form of communication, contract, or signature for this accused debt. The bill sent to me was also for a larger amount then what is being reported on my credit report. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Sunrise Credit Services Inc., has violated my rights as a consumer and I am requesting legal action to remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency Can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on XXXX XXXX XXXX Accounts # XXXX and Account # XXXX. Inaccurate information they are reporting are reporting open status when in fact they are closed and paid. They are also reporting inaccurate information on accounts balances. Transunion is in violation of FCRA. I have sent certified letters that served as a formal debt validation request. Transunion has continued in non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance Fair Credit Reporting Act 623 ( a ) ( 3 ).

FCRA Section 609 ( a ) ( 1 ) ( a ) FCRA 611 ( a ) ( 7 )
Product: Mortgage

I purchased a home in 2004 for XXXX I am still paying Mortgage Insurance after all these years, the home is in an area that has significantly declined in value over the last few years. I am a XXXX XXXX XXXX widow who has a significant loss in income due to the unexpected death of my husband who is an XXXX veteran. I have called Citimortgage with no resolution on how to remove the MI from my loan. I almost lost the home and they put me on a balloon mortgage which scares me but I had no choice as I would have lost the home. The MI payment is well over XXXX per month for the past 12 years and I am upside down in the home. Is there anything you can do to assist me
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and I realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report it is defamation to my character.
Product: Checking or savings account

On XX/XX/2021 I called Bank of America to ask why I was being debited payments for different companies from an old debit card that I had clearly changed because it had been compromised. I updated the companies that I need to and left out the ones I wanted to stop payment on. Thinking that since they didnt have the new debit card they couldnt withdraw any funds ( a letter was also sent to the companies to revoke authorization ). To my surprise Bank of America kept paying the companies even tho there was a revoked authorization or stop payment in place. Frustrated I called gain to his time the lady in the phone assured me that the stop payment would take place. It didnt Im still being be tied as of today. BofA excuse? I was told that if the companies change their account number every time a debit happens they have no way of stoping them from taking the funds However this is not true according to federal law which states that a client may revoke an authorization at any time by phone, email, fax and writing. On my last call with bak of America I begged for a solution as I saw my bank account drained. No was given except to take my funds XXXX close mY account. Then there was a Holliday and banks where closed and today Im in this letter hoping that Bank of America rectifies this because they wont do it for me.
Product: Credit card or prepaid card

This concerns my Visa through Best Buy, which is through ( according to my card and online account ) Citibank , N.A .
I agreed to pay the minimum due on my account each month. It is set for automatic payment. My previous credit limit was {$2500.00}.
On XX/XX/XXXX I received a statement stating that my minimum payment due was {$77.00}, due on the 1st. This has been in line with most of my minimum payments ( which have been in the $ 50-90 range. ) Today I noticed that the charge that came out of my account for this payment was instead {$450.00} on XXXX XXXX, 2017. When I checked, it appears the change was made so that the company could subsequently lower my credit limit to {$2000.00} ( the payment brought my balance under {$2000.00}. ) I have had my limit lowered by other companies as I made payments. What I do not see is how it was legal for this company to charge an EXCESSIVE extra amount - {$370.00} more than my statement stated! - in order to lower my credit limit.
Not only do I not understand how this is okay, especially with my statement specifically stating my minimum ( what I agreed they could debit each month ) as {$77.00}, but also this has caused incredible hardship. My financial situation has changed since I first applied for the card, and so the minimum payment is all I have been able to feasibly pay. The excess amount taken is half of my rent payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus and notified them of false information on my credit reports. They all three have not changed this info. I have not inquired any inquiries nor have I gave any permission to run a credit check. I've called all three credit bureaus as well as wrote multiple letters with proof of identity and still not removed. I've listed below all inquiries that need to be removed. This is fraudulent inquiries. 

TransUnion : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX bank XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I sent Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX a dispute regarding an alleged late payment that they have furnished on my consumer reports to XXXX XXXX XXXX and XXXX and I noticed after requesting proof of compliance and disclosures that are required pursuant 15 USC 1666b, 15 USC 1681 s -2 ( 7 ) I noticed that my account is now closed.
Product: Checking or savings account

I'm a XXXX XXXX of XXXX XXXX. I applied for a business loan from the XXXX ON XXXX of XXXX of this year. On XX/XX/XXXX, XXXX approved my loan in the amount of XXXX. XXXX was deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, Chase froze the funds in my account. 10 days later, they closed my account and put the funds from the XXXX loan in suspense. I've spoken to different agents in the fraud department, and received different statements. One stated that if I was to bring in my EIN number, that the funds will be issued into a cashier 's check. Never happened. One stated that I needed to consult with an attorney to receive the funds. Another one stated that I needed to contact SBA to have them retract the loan. In which I did, but XXXX stated on numerous occasions that this was impossible since my account has been closed. I called Chase again ( fraud dep ), they stated that they will keep the funds in suspense up to 2-3 years and then release the funds to the state. This is a BIG problem, considering I've entered into a 30 yr agreement with XXXX WITH INTEREST ACCRUING DAILY, and I have no access to these funds. I can't reject the loan, since the loan was successfully dispersed into my checking account that Chase voluntarily closed!! If Chase won't release the funds to me ( in which I ' rightfully entitled to these funds, that XXXX successfully verified my identity, etc. ) then I feel it's only right for them to send them back to XXXX IMMEDIATLEY!! It's been 2 months of this with Chase and I would like to resolve this matter in a timely manner please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

currently trying to secure a home loan for my family, I have reached out to the company in XXXX to go over some things that were inaccurate on my credit. I have sent multiple letters now and have yet to receive any kind of response