23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX different occasions, written requests for information on origin of debt, the original lender, etc., was mailed and faxed. I to this day never received a response. Per my rights, I am asking XXXX to remove this debt from collections. I also am asking all credit reporting agencies to update per this request. I am also seeing that this debt is being listed on my credit report by creditor that closed and sold debt, as open again. As of 2011 it was written off.
Product: Checking or savings account

I walked into Fifth Third Bank identified myself with Driver License. Stated I wanted to deposit my check. I am XXXX but I was born in United States and so were my parents. I feel there was an act of discrimination on banks behalf. The check a US Treasury CHECK Sent late to me. I didn't want to cash it simply deposit it. The bank teller reported me fraud and froze my account I supplied my tax return my letter in which the check was related to my id and everything it's going on a month now and my account and money frozen I haven't received a reason or a notification how long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management has placed a past due claim on my credit report. Ex husband, XXXX XXXX filed for bankruptcy in 2018 which the outstanding balance of {$25000.00} is already being accounted for in his bankruptcy. I have no involvement in that bankruptcy. Rushmore loan management has placed a claim in my credit report of a past due amount of {$25000.00}, the amount already accounted for in XXXX XXXX bankruptcy. I have informed Rushmore Loan Management of the bankruptcy and that this claim belongs to XXXX XXXX not on my credit report. Placing this claim on my credit report would be considered double dipping and unethical as its already part of an agreement. They have replied to my correspondence and confirmed that they will remove the claim as of date, it has not been removed. This claim is incorrect and should be removed from my credit.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : Pursuant 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Please PERMANENTLY delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Wrong addresses : XXXX XXXX XXXX XXXX XXXX, WI XXXX and XXXX XXXX XXXX XXXX XXXX, WI XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Debt collection

They call Monday Thur Friday Call both phones Email also And text Every time Send letters Certified letters
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/XXXX I checked my credit score as I usually do using XXXX XXXX  on or around XXXX XXXX. My credit score with Transunion dropped 64 points. The only activity showing on my accounts was 3 payments to 3 different credit card companies. One of them being XXXX XXXX Credit Card. I then checked my credit report and XXXX XXXX Score using Transunion 's website which I am a member of. It also shows a drop of 64 points. I contacted Transunion at XXXX on XX/XX/XXXX ( Monday ), the agent ( XXXX ID : XXXX ) stated that XXXX XXXX Credit Card was reporting a balance of {$370.00} on XX/XX/XXXX and therefore my points dropped drastically. My credit is at {$550.00} and since I was using more than 30 % of my available credit I was dinged for this. I explained to her that it's incorrect and my balance is in fact {$0.00}. I asked if there was anything I could do and the only she suggested was contest my balance via a dispute with them against XXXX XXXX XXXX  Card. I did as suggested but I also mentored that this was unfair credit reporting practices and that this was going to take me 30 months to raise my credit because of this error. This complaint is against XXXX XXXX XXXX  and Transunion for unfair credit score reporting practices and providing incorrect balance updates which caused this issue. 

This complaint is on my behalf by me, XXXX XXXX. 

I can provide statements and further details if required. 

I would just like my points back as this is going to affect me buying a home eventually as well
Product: Credit reporting or other personal consumer reports

I believe there are fraud alerts on my credit reports with Experian, XXXX and XXXX XXXX respectfully. At this time I request that all credit bureaus remove these fraud alerts from each credit report. I am also requesting my free annual credit report from Experian, XXXX and XXXX XXXX at this time to be mailed to my home address. My drivers license is attached. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.
Product: Mortgage

Bank of America is illegally trying to foreclose on my property. Bank of America has been my mortgage lender since XXXX. On XX/XX/XXXX Bank of America transferred my mortgage to a new mortgage lender named XXXX XXXX. I have been making timely payments with them and I am current. 
Just two days ago, I received a notice of foreclosure ignited by the attorney firm of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file recently only to notice that the current address on my file is incorrect. Called up XXXX & XXXX to update it and they did so without any hassle, tried transunion too but theyre giving me a headache, already mailed documents several times but they denied receiving any of them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

I filed a complaint with this company a few weeks back. This company sent me reply to my concerns and mailed me a packet that shows a bill. This account does not belong to me. My phone carrier is XXXX and not XXXX. I NEVER had an account with XXXX and I am willing to provide the burden of proof in a court of law if I have too. I take my credit seriously and I will do whatever it takes to keep my credit in good standing. Please remove this account of my credit report before my next course of action concerning my credit reports.
Product: Debt collection

Grant and Weber has never responded to repeated requests for the original invoice from the service provider in 2012. Instead, they create their own invoices - on Grant and Weber letterhead - with whatever charge they 've decided to charge me. I 've contacted the original medical provider and they have no record to share since they turned it over to G & W. So they ca n't tell me what the original cost was. I 'll pay legitimate debts, but it 's unreasonable to expect me to pay without ever giving me the invoice for services! So they 've dinged my credit report with a collection, hurting my ability to get apartments and loans at reasonable rates. It 's not fair to tell the world I 'm delinquent and use the credit reporting system to coerce me into paying a false bill.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent money to the person using Zelle. I contacted them to get a refund or reverse the transaction. I meant to send the money to my son for food while at school. Nothing was done, good thing I mistakenly sent it to my brother instead of a stranger. He couldnt send it back for some reason he didnt know how.
Product: Credit reporting, credit repair services, or other personal consumer reports

Without informing a consumer/ customer, with a legit itemized reciept, proves the inaccuracy of debt. Fulfilling my 12 month lease, and cleaning my apartment beautifully after moving out, should have created less debt owed. This is a crime and it will not go unnoticed. NCC has ruined my reputation of credit and is causing me to take legal actions because of the unprofessional way the business chose to handle a loyal customer. I'm unhappy with the inaccurate information the company reported. Illegal
Product: Credit card or prepaid card

Somehow my credit card number was stolen and fraudulent charges appeared on my statement. I contacted Chase to report the fraud, they " investigated '' and sent me a letter stating that I " received value '' from the charges and they denied my fraud claim. I called them back and asked for the proof because I certainly did not make the charges, authorize the charges, or receive anything. They sent me the response from the vendor, XXXX, that shows they shipped four ( 4 ) snow blowers to XXXX Florida and it was signed for by " XXXX ''. My name is not XXXX, I do not live in XXXX and I certainly have no reason to buy four identical snow blowers. I live in Florida ( XXXX, FL ), and it doesn't snow here ... 

This is clearly fraud, but Chase will not refund my money. The Chase account number in question is XXXX XXXX XXXX XXXX. The three charges were placed on XX/XX/XXXX ( {$270.00} ),  XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$540.00} ). 

Can you help me?
Product: Debt collection

My name is XXXX XXXX, this communication is notice of dispute under the fdcpa. This alleged debt communicated by and through H & R ACCOUNTS, INC is not mine and I refuse to pay this alleged debt. I need some form of verification or a copy of a judgement in connection with this alleged debt. Failure to provide this information shall result in a cease and desist of further communication unless its to notify me that you are ceasing communication. 
Reference number # XXXX Account number # XXXX.
Product: Vehicle loan or lease

I bought truck XXXX XXXX  on XX/XX/year> down-payment was about XXXX $ finance company credited me for XXXX XXXX 18 month paid XXXX $ over XXXX $ paid in 18 months. Wheni request payoff amount banker says XXXX $ left. Where is my 18 months payment that paid XXXX  monthly no response. I'm disagree with them banker not even saying me interest rate once he said XXXX but impossible to pay XXXX monthly pay for laod XXXX $ for 60 months. They are lying me. I never signed that high interest rate or this kind of scheduling. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts are the result of identity theft caused by a data breach. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my right to have these fraudulent items removed. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX - XXXX - XX/XX/XXXX - {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1300.00}
Product: Credit reporting or other personal consumer reports

Credit Karma guarantee offers to applied for a personal loan, and guarantees approval, or they pay {$50.00}. 

It is impossible to complete this offer. 

They don't have any way of redeeming the offer. No phone number provided, no email, no website, nothing. 

You just get the run around.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account in question belongs to someone with my name but the account originated in Texas. I have never lived in Texas. I have provided police report and affidavit.
Product: Mortgage

I am an XXXX XXXX and XXXX XXXX XXXX XXXX XXXX last XXXXXXXX XXXX XXXX. Per CA military family code, I am entitled to defer payments and interest and not be charges fees during the duration of my XXXX. I applied for this benefit with my mortgage company and after much run-around was finally approved. I applied for an extension due to financial hardship caused by the XXXX and with the assistance of XXXX XXXX XXXX legal aid was extended until XX/XX/XXXX. 
I am now trying to sell my house. However, my loan balance is now ( XXXX XXXX and climbing each month ) higher than the original amount I borrowed ( XXXX XXXX  ) putting in a difficult situation trying to sell my house due to the additional fees I was charged during the deferment labelled " adjustments ''. I have tried to get clarification from the lender many times and attempted to correct the situation through their " escalation '' department to no avail. Can you please help rectify the situation expeditiously so I can sell my house without significant hardship?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Equifax, but they refuse to take it off the report.
Product: Mortgage

Wells Fargo Home Mortgage charged me for insurance on my home even though I already had coverage.
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Mortgage

I closed my loan with XXXX XXXX and prior to my first payment, it was sold to XXXX XXXX XXXX XXXX to service the loan. I received notice from XXXX that my loan was being sold to XXXX XXXX who would maintain the servicing of the loan. I did n't receive the welcome package from XXXX XXXX until a few days before my due date. I then went to their website to try and register so that I could pay my mortgage on XXXX/XXXX/XXXX. The website kept saying they could not find my mortgage loan so I could not register and make a payment. I called the number listed on their website multiple times on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX with no luck in getting in touch with someone at the Company. On XXXX/XXXX/XXXX, I sent a email to someone listed as a region manager who then reached out to help. He stated that my loan number was listed wrong on the paperwork ( they left off the first 3 digits on the letter ) and gave me the correct loan number. I was then able to register and make my payment but at a charge of approx. {$8.00} given it was a " expedited '' payment due to it being late. RESPA protects me from late charges and reporting me being late on a payment given my loan was sold prior to the first payment. I told the Company that I had no other choice but to make the payment online with them and the site gives me no other option to pay so I was forced to pay the " expedite '' charge. I ask them to refund that charge given it was not ethical to charge me to make my first payment with you and not provide other options at this time. The company stated they would try but that they normally do n't refund this because it was my fault I was late ( which is not true ). I work in the mortgage industry and with the largest mortgage servicers and this is the worst practice of mortgage servicing that I have ever seen. Please respond immediately with corrective action.
Product: Credit card

XX/XX/year> Chase bank telephone ( XXXX XXXX ) and indicated that an XXXX XXXX. XXXX was trying to open a XXXX XXXX XXXX in my name under my SSN. His mailing address is XXXX XXXX XXXXXXXX XXXX. I did not authorize this transaction or even know this individual. The care was a XXXX ending in XXXX. Please investigate. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Westlake Financial in regards to a used auto loan I took out back in XX/XX/2011. I have asked for them to correct the misinformation they placed on my credit report about being late on a payment ( S ). They have been reporting this for over 10 years and will not respond or remove. I have even contacted all 3 bureaus to have it removed and not one of them will remove is when disputed several times.
Product: Prepaid card

This complaint is in regards to XXXX XXXX XXXX emergency transfers totalling over {$22000.00}. All of the transactions were made via XXXX XXXX in XX/XX/XXXX within days of each other. Note, this was during the height of the pandemic and prior to me ever receiving or activating my prepaid XXXX account/debit card. I filed the claim in XX/XX/XXXX and my account was frozen due to suspected fraud. I never requested or received any of these funds. The first reason I was given for my claim being denied was that it hadn't been filed in a timely fashion. I requested a reconsideration which was also denied, and despite being legally obligated to do so, Bank of America refused to provide me with any information/documentation that was used in making their decision. In XX/XX/XXXX, I received a letter from B of A informing me that I could request that my previously denied claims could be re opened as they may have been subject to being unfairly and or prematurely denied in error. I decided to re-open my claim and faxed several documents, including a police report and documentation from CA XXXX to support my claim. Unfortunately, all of my efforts have been in vain as this, and several other claims I've submitted still remain unresolved. My only point of contact, the B of A prepaid claims dept. have been kind but are entirely incapable of assisting me which has been incredibly frustrating. Finally, I would like to note that I contacted XXXX XXXX on numerous occasions and finally received some relevant feedback from a supervisor named XXXX. He stated that no funds could have been collected at the XXXX XXXX XXXX branch in XX/XX/XXXX because they were not open to the public at that time due to the Pandemic. As a single parent of XXXX ( widower ) I had hoped that this matter would be taken care of in a more expedited fashion, alas it has not, in fact I have only had access to my account from XX/XX/XXXX and have spent hours seeking a resolution. I have been very patient and only request the funds which were stolen. Funds which my family truly need. I would like to thank whomever handles this matter in advance for any assistance which you may be able provide.
Product: Checking or savings account

On XX/XX/2023 Citi Bank decided to close my account because they were allowing fraud on my account. They investigated it and found it to be a fraud and returned my funds but they decided they did not want to do business with me and blocked my account and kept my {$300.00} they never notified me and are refusing to return my money to me now. On XX/XX/2023 Citi Bank 's official statement, told me that as of XX/XX/2023 there would not be any access to my account by withdrawal, or online banking, and no deposit direct deposits would be rejected and returned. On XX/XX/2023 account was already closed they accepted a XXXX deposit and did not reject it on a closed account and return it to the United States government so that the deposit could be deposited by the government into my new account Citi Bank stole that deposit and put it in an account I can't access 2 weeks after they closed my account and now will not return the money to me or will not return it to the Government. They have {$4000.00} I can't pay my rent, and utilities, buy food, or get my XXXX medicine. They say to go to your local branch my local branch for Citi Bank is 5 hours away and maybe I could withdraw it from a branch. I will lose my home my electricity my water and without my medication my life. They stole XXXX and put that money in a closed account knowing i would not get access to those funds I want and need my money today
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is not mine nor did I authorize anyone to report it to my credit report. It is the CURRENT credit card account. According to the FCRA 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 also states a consumer reporting agency can not furnish an account without my written instructions. I want the CURRENT account removed from my credit report immediately.