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

I am writing to follow up on my previous complaint regarding fraudulent items on my account. Despite making twenty attempts to resolve this issue, the fraudulent items have not been removed from my account, and the matter remains unresolved. I discovered fraudulent items on my account. Since then, I have made multiple attempts to get these items removed. I have attached copies of all relevant correspondence and documentation for your reference. Given the lack of resolution, I am now seeking assistance from you. Please provide a detailed update on the status of my complaint and the steps being taken to correct the issue. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX provided me with a settlement to clear up my Wells Fargo account. I paid the full amount of the settlement. My credit report should reflect a XXXX balance owed to Wells Fargo. If I paid less that what was owed, they can say that. They can also send me a XXXX. However, the balance owed should be XXXX since they agreed to this.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report maintained by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following inaccurate information on my credit report. Despite the passage of time, Experian has not provided any response or taken corrective action. I am seeking your assistance in resolving this matter promptly. 
Details of the Inaccurate Information : XXXX XXXX  Date Opened : XXXX. XXXX, XXXX XXXX : {$110.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Balance : {$85.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX / XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX / XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} Please correct this inaccurate information on my credit report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Please remove it from my credit report as it is not mine. 

XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Please remove it from my credit report as it is not mine.
Product: Credit card or prepaid card

I talked to customer service on XX/XX/2021 to pay off my account and close my card. The card has been closed and the balance is {$0.00} after i made {$87.00}. However, Citi bank still charge me interest and adding {$35.00} late fees on XX/XX/2021 ( One day after i made the payment ) and another {$35.00} late fees on XX/XX/2021. This company is a scam. Citi bank should credit back all the in-reasonable charge to my account and bring it back to {$0.00} since i already closed my card. 

I have been working with XXXX account manager XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I found out I had a collection for my XXXX XXXX  student loan reporting on my credit so I hired XXXX XXXX to help me speak to them and resolve the account. 
I was unaware of this balance since my father used to help me with this loan in the past, I've moved several times and I don't have access to my student account. 
Regardless, XXXX and I have been in communication with them since I found out about it and have been working on a reasonable settlement to close this out. Two collection agencies and 4 months later we finally reached a settlement and I have requested for this collection to be deleted once it is settled in full because I never received a bill, collection calls, or collection emails about this account. I did not have a fair chance at paying this prior to it going to collections or reporting on my credit which is against FCRA. I'm taking responsibility for the debt and would just like it deleted once they get their money back. 

XX/XX/XXXX I spoke with XXXX ( Supervisor at XXXX XXXX XXXX  internal Collection Dept ) and she states that they did in fact receive returned mail so they were well aware I did not receive the bills.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Address on My Credit Report Dear Sir/Madam, I am writing to request the immediate removal of an incorrect address that is still appearing on my credit report. Specifically, this concerns the outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is no longer valid and should not be reflected in my report. My correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct an investigation of any information disputed as inaccurate or incomplete. The presence of this incorrect address is inaccurate and negatively affects me. 

Furthermore, under FCRA, 15 U.S.C. 1681c ( a ) ( 5 ), credit bureaus are obligated to remove any obsolete or incorrect information from credit reports. Failure to do so may be considered a violation of the FCRA. 

I urge you to rectify this error immediately. If the requested correction is not made within a reasonable timeframe of 30 days, I will consider taking legal action to protect my rights under the FCRA. Additionally, violations of the FCRA can result in legal penalties, including punitive damages.
Product: Mortgage

I would like to file a complaint about missing funds in the escrow account associated with the home equity loan with Citizens Bank. The mortgage was originally associated with Investors Bank, which has been purchased and merged with Citizens Bank in XX/XX/XXXX. As of XX/XX/XXXX, the Annual Escrow Account Disclosure Statement provided by Investors Bank suggested I had a {$90.00} positive balance in the escrow account. Based on the Investors Bank 's Annual Escrow Account Disclosure Statement, I would have a surplus of {$52.00} and I received a check for the surplus. Throughout XXXX, I have always paid my mortgage payment including contributions to the escrow account on-time and the property tax stayed essentially the same. However, in XX/XX/XXXX Annual Escrow Account Disclosure Statement provided by Citizens Bank, I was informed that I had a negative balance of - {$150.00}. The loan with Investors Bank was transferred to Citizens Bank on XX/XX/XXXX. As such, I called and inquired the escrow department with Citizens Bank and I was told that from their records, my escrow account in the beginning of XXXX was in a negative {$30.00} plus balance. There are two issues with my escrow account : 1 ) The escrow account as of XX/XX/XXXX was in positive balance and I received a check due to surpluses. There is no way that the escrow account dropped to negative balance in the beginning of XXXX ( XXXX year end balance was {$90.00} and the surplus check was {$52.00} : {$90.00} - {$52.00} = {$37.00} ). 2 ) The escrow account is only used to pay property taxes. Given the property taxes stayed the same throughout XXXX ( i.e., no material increase ) and I have always paid my mortgage payment on-time, I could not understand as to why an initial negative {$30.00} balance would grow to negative - {$150.00} by XX/XX/XXXX. If the property tax stayed the same and I have always paid on-time, I would expect the deficit to stay roughly the same ( i.e., not growing from - {$30.00} something to - {$150.00} ). 

I have filed XXXX with CFPB and Citizens Bank closed the complaint after the investigation stating " On XX/XX/XXXX, you notified Investors Bank of a delinquent tax bill you had received. '' as the reason for the escrow account shortage. However, I have never received delinquent tax bill nor contacted Investors Bank ( now part of Citizens Bank ) during XXXX and XXXX regarding delinquent tax bill.
Product: Credit reporting or other personal consumer reports

FCRA fair credit states that unverified and unauthorized inquiries must be removed under 15 usc 1681b. Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus Equifax, XXXX  and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.
Product: Credit reporting or other personal consumer reports

My account with 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 60 days 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.

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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Regions bank, XXXX XXXX, XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Sect. 602 A states i have the right to privacy.

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

I don't recognize this account, I have never applied for this creditor. 
I believe, that someone used my personal information to apply for it.
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I did not provide authorization for them. I request their immediate removal from my credit report.
Product: Checking or savings account

Wells Fargo has charged the interest rate that was not discussed prior to me opening an account. I purchased a diamond ring with 0 % apr only to find out that they charged me 29.99 % ....
Product: Student loan

In XXXX of XXXX, as an incoming college student, first of my siblings to pursue post-secondary education, growing up impoverished, under adverse financial circumstances, I sought a private XXXX XXXX college to seek a professional degree. Needless to say, I didn't have enough funds to pay for any percentage of my tuition. Through merit-based scholarships and federal student financial aid, I still lacked funds to enroll, so I turned to Sallie Mae for a private loan to pay for the expenses I encountered. From the firm, I was awarded with approximately {$6500.00} from Sallie Mae in the Fall of XXXX. After successfully completing my college, becoming a full-time employee, specializing in the work related to my degree, I sought to return for an advanced, XXXX XXXX XXXX, between Spring XXXX XXXX. Although I applied for the deferment of my federal and private loans, I was not given options or sufficient information regarding the repayment of my loan, held by Navient, formerly Sallie Mae. I was betrayed by a firm that pressured me to increase the amount of my repayments.I was deceived by not receiving sufficient contact from Navient, regarding my outstanding balance, in order to inform my repayment options. Since the inception of the loan, I have seen my principal balance double in amount and through consistent, consecutive payments, have just recently reduced this principal to its original amount. Most deceptive is the obscure information provided to me, according to the monthly statements I have received from the firm, indicating that never was there a " minimum payment '' due to Navient, giving me a false sense of security, as I hoped to maintain lower payments. Finally, I am frustrated that I am not afforded with enough transparency, on behalf of Navient, to thoroughly investigate the allocation and distribution of the funds I have provided to repay the loan, in a timely manner.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX ( Bank ) : XX/XX/2024 XXXX XXXX XXXX  ( Bank ) : XX/XX/2024 XXXX XXXX  ( Bank ) : XX/XX/2024 : XXXX XXXX ( Bank ) : XX/XX/2024 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. The Credit Bureau must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$270.00}
Product: Mortgage

Due to many problems encountered with PHH MortgageXXXXOcwen XXXX XXXX ; I decided to refinance a Mortgage that was supposed to be payoff XX/XX/XXXX. 

On XX/XX/XXXX, I refinanced my Mortgage with XXXX Mortgage. During that process, PHH Mortgage has fraudulently reported an incorrect PAYOFF AMOUNT to XXXX  Mortgage. My mortgage unpaid Balance with PHH Mortgage was supposed to be {$100000.00} as of XX/XX/XXXX. However, PHH Mortgage has fraudulently requested a PAYOFF AMOUNT OF {$110000.00} from Rocket Mortgage. 

PHH Mortgage received {$110000.00} on XX/XX/XXXX when it supposed to be {$100000.00}. 
That has created many problems : XXXX. {$4500.00} = {$110000.00} - XXXX Overage of {$4500.00} and has never returned appropriately. 
XXXX. PHH Mortgage has refused to returning the Overage to XXXX Mortgage or XXXX where the overage has came from or the Lender who sent the money. 
XXXX. XXXX XXXX who financially supported the Transaction Originally was not or never listed on the Deed of the Mortgage. PHH Mortgage refused to return the Overage ( {$4500.00} to XXXX XXXX XXXX XXXX same company that sent the fund or payoff to them. That created another problem because ( I, XXXX XXXX is liable to repay to XXXX XXXX XXXX ( $ XXXX ) when I did not receive that amount. Overall, the payoff should have been {$100000.00} as of XX/XX/XXXX XXXX. I do not see why I must be repaid to XXXX  Mortgage $ XXXX when I have not never received that amount during the refinance. Please see attach. 

Respectfully, XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX, I traded in my 2 vehicles for a Used XXXX XXXX XXXX, and I was told the vehicle was only worth {$13000.00}, I'm paying for more than what the vehicle 's worth. I feel like I'm paying for a brand new ride, I'm being cheated out of my money, deceived, and ripped off, this isn't fair, I noticed that my credit reports and my FICO with my XXXX XXXX XXXX Account statements say the Original Price as {$13000.00} and the lowest I dropped the vehicle payment to XXXX. The vehicle should be at XXXX. The vehicle isn't drivable and it had a lot of problems when we got it. We are being scammed and frauded out of my hard-earned money, I'm not paying Credit Acceptance until this situation is settled. The right amount is fixed to XXXX and to lower the interest rate, because they screwed me over big time. I want Credit Acceptance to own up to the consequences because we are not the only ones being scammed by Credit Acceptance Corp,
Product: Debt collection

XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY
Product: Money transfer, virtual currency, or money service

I am writing to formally address an incident involving an unauthorized international wire transfer with amount of {$7700.00} initiated by PNC Bank on XX/XX/year>. I want to clarify that I have never requested PNC to send an international wire transfer. However, I recently became aware that a wire transfer was sent to XXXX under my name and address, causing me both financial loss and a privacy concern. 

While this transaction was eventually rejected by the recipient, I still incurred a financial loss of {$40.00}. Moreover, this unauthorized transaction has exposed my personal information overseas, which may present additional privacy and security risks for me in the future.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Amount : {$3300.00}
Product: Credit card or prepaid card

Synchrony Bank XXXX Lowe 's Credit Card : Earlier this year my account preferences were changed ( not by me ) to have billing received electronically. My account was setup for paper billing. Chatted with Synchrony and they agreed to have partial late fees and/or interest removed. I have continued to use the card not paying for any past late fees and/or interest due to the switching of my preferences and only paying for my merchant purchases. Synchrony continues to add late fees and/or interest to my account w/o any merchant activity. The issue may lie with multiple credit cards ( merchants ) serviced by Synchrony. Each credit card preference s/b handled individually by merchant.