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

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. 

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 
Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my date of birth was being reported wrong. I contacted via phone and sent TransUnion a detailed statement as well as a copy of my Michigan Drivers License. To date my date of birth is still being reported as XX/XX/XXXX when my true date of birth is XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer financial Protection bureau ( CFPB ) the document needed and a letter from the advocacy helping me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days. pursuant to section 605c of the Fair Credit Reporting Act. i am a victim of XXXX XXXX of debt Bondage and would like for all listed accounts to be blocked and deleted from company information Transunion. please delete the following accounts : XXXX XXXX account number ( XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in 2008 I applied for and received a loan modification from Wellsfargo bank. It was in XX/XX/XXXX that my new payment would begin. I phoned Wellsfargo to ask if they could put the first two payments off due to the fact that I was preparing to take my son on college tours. the representative said that they could not guarantee two months but she saw in my account that a payment had been posted to my account and to call back the following month to see if I could get the second month that I was requesting. In the middle of the month I started to receive ca calls telling me that I was late with my mortgage. I explained that I was not late but that I was told I did not have to pay due fact that funds had been applied to my account. the repress informed me that the money had been applied to my account inadvertently but was taken out later that day. No one informed me me of this. The investigation team did an investigation and found that money had been applied and take out but they failed to notify me. Then they asked me to resubmit another modification application, I did and that is when the put my hom in quicksale ( which was also a mistake ) I am still in my home but they have harassed me for 8 years because I refused to pay XXXX mortgages when it was their fault. they acknowledged tha that it was their error but stated that I still was responsible. 
these people have harassed me all day every day for the past XXXX years. it has been recent that I was able to make a payment on that past due payment.
Product: Mortgage

XXXX XXXX a VA loan buyer wanted to assume the loan and made earnest payment -numerous calls to freedom mortgage from XX/XX/19 to XX/XX/XXXX requesting information, how to fill out packets, how to start the assumption process, how to fill out paperwork, I asked for check lists and examples, company continued to not answer and only sent a single page request form. weeks into the process the company said the the information on the one page was not good enough and we had to start over -late XXXX ( roughly XXXX ) I had three way call with buyer and mortgage company, set a date of XX/XX/XXXX for him to meet with a loan processor -XXXX  XXXX a assumption packet was allegedly mailed to buyer, no tracking number provided -XXXX XXXX- company says that window to apply for loan has closed, we convinced them to mail another packet -XXXX XXXX second packet was allegedly delivered, no tracking number, packet was never delivered -XXXX XXXX I called company to escalate, no one would escalate call to managers, assumptions team would not talk to me, loss mitigation team was able to take call but did not have any informatino -XXXX  XXXX I talked to assumption team, they said on the XXXX and XXXX of XXXX an email with e sign docs was sent to buyer. This contradicts information about a mailed packet. they confirmed email. I spoke with my agent and she said the buyer has received no emails or mail from freedom mortgage.
Product: Credit reporting or other personal consumer reports

ON XXXX I HAVE 2 CREDIT INQUIRIES, AND ON TRANSUNION I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR TRANSUNION/XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I've tried to set up an online banking account for the past few months but it keeps failing. 
On XX/XX/year>, I spent almost XXXX hour on the phone with an Fulton Bank customer service agent ( via XXXX ), but still can not set up the account after verifying all the personal information needed for the setup. 

My account used to be with XXXX XXXX, which was acquired by Fulton Bank last year. I still have more than {$400.00} in my checking account, but I can not set up for the online banking. This is extremely frustrating because I need to access my account information, monthly account statement, and transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither XXXX nor Transfinancial Companies will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both XXXX and the debt collection agency known as Transfinancial Compaines based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of credit reports.
Product: Mortgage

I have been trying to get a modification due to a COVID-19 forbearance that I was on for 18 months 2 years ago.. I live in New York. I was told once I came off of forbearance that I would not have to fill out a modification package and that I can get a modification without filling out an application and they asked me what terms that I wanted the excess {$19000.00} from the forbearance that was not paid to be put at the back of the loan then they did the mortgage modification and they told me I had to pay it upfront one lump sum, {$19000.00} which I did not have. so back-and-forth back-and-forth make a long story short they told me to resubmit a modification without putting Covid on it and maybe they would look at it to process it did not happen. I called XXXX they looked over my paperwork resubmitted the modification stated that I am more than able to pay the mortgage modification they work the numbers, their numbers are not adding up. No one will talk. All they do is deny the paperwork was sent in by a third-party XXXX and they still did not consider it. I do not want to sell my house I want to stay in my house I want to start paying my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent Transunion a letter XX/XX/21 to speak to them about some personal information that needed to be corrected and removed. I have yet to receive a response from the agency and I feel as if they are ignoring my request.
Product: Credit reporting or other personal consumer reports

I DON'T APPLY FOR ANY OF THESE INQUIRIES, PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion is denying me my right to access my XXXX XXXX  through the online portal. I have an account, which I was able to successfully log into, but when I'm being denied access to my XXXX XXXX, as well as the dispute center. I have called on numerous occasions, but still, no resolution provided.
Product: Credit reporting or other personal consumer reports

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to XXXX XXXXXXXX XXXX XXXX for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act The following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

Please see attached dosacuments. Do not close this complaint stating it is not me. I am a natural person and a cofansumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( credit card ) has fraudulent accounts that are showing up on my credit report that should be removed immediately. There has also been numerous hard credit inquiries that I did not give consent for.
Product: Credit card

On XX/XX/year>, three fraudulent charges were made processed by Wells Fargo, through fraudulent activity discovered by XXXX. Each of the three charges were in the amount of {$4800.00}. The fraud was detected by XXXX, and stopped. However, Wells Fargo allowed the charges to be deducted from my account, putting my balance at $ XXXX. They also took all funds from my savings account, charged me a NSF fee and then charged my credit card {$920.00}. This credit card account was previously at {$0.00}. 

After two emails to the fraud department, I still have had no interaction or response from Wells Fargo. The charge on my credit card remains. I can not tell if the NSF charge has been reversed, but no money has been returned to my savings account.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.
Product: Checking or savings account

XX/XX/year>, Chase restricted my company 's business account for XXXX XXXX XXXX. I filed a CFPB complaint on XX/XX/XXXX to assist with this matter. Chase assigned XXXX XXXX rep ) from the XXXX office to my file phone number XXXX and XXXX. XXXX has not responded, he has not done due diligence to solve this matter after I provided XXXX different phone numbers for XXXX XXXX bank where my deposits originate. I have made contact with Chase Executive office over XXXX times, each time XXXX is not available after the answered rep contacts XXXX for availability. XX/XX/year> visit to the branch where the account was open in XXXX, TX. XXXX XXXX the rep that assisted, was made aware of the situation and reached out to XXXX. XXXX made time to contact me back after I emailed him a week after the encounter. XXXX did not respond to XXXX from the XXXX branch in XXXX hours. I am now putting Chase on notice that I am seeking damages for the misappropriation of funds since XX/XX/year>. Chase has only initiated contact after I filed a complaint with CFPB.
Product: Checking or savings account

-I have been with PNC for almost a decade. 
-I keep money in my account, but I am a student and low income and my place of employment suffered a catastrophic fire earlier this year, harming my income more. 

-Earlier this year I was charged {$72.00} ( $ XXXX ) in overdraft fees for a very small overdraft that was corrected mere minutes after the deadline. I had not received a courtesy refunds that year. I called and my request for refund was denied and I was not given a reason. I requested to escalate the case and no one ever responded to me. As a consequence of this, I have been financially stressed and had to work harder to make ends meet instead of using that {$72.00} to make necessary payments and purchases like food and water. 

-Two weekends ago the PNC XXXX malfunctioned. I could not access my account balance and what was shown was inaccurate. I had no idea my account overdrafted due to an extra automated payment. I had no idea until the app caught up and I found out I was charged another {$72.00} in overdraft fees, which officially put me in debt. I called PNC and they refused to refund me that amount, and instead chose to refund {$14.00} in monthly service fees I never asked them to refund. I requested that my concern be escalated and the corporate representative took over a week to make contact with me. At that time they told me they still couldnt waive the overdraft fees and claimed it was because I already had a refund, referring to the {$14.00} in service fees I never asked to be refunded. And prior to that, I had no recent refund requests. 

PNC continues to take advantage of their clients and punish them for their impoverished circumstances. It is already enough to be charged {$7.00} every month for not having a specific amount of a specific kind of deposit. It is so much worse to have even a small overdraft charged {$36.00}, which is already a lot, but theres no cap and no mercy, so the next day if you dont catch it is nearly {$100.00} and increases every day. 
I am struggling and PNC shows no mercy nor compassion. I am now trying to recover from a {$140.00} loss, with an income of less than $ XXXX. 
Especially in the last case I had no knowledge of the overdraft fees. I had no knowledge my account was overdrafted. And I was blindsided by a charge of {$72.00} and now I can afford food or basic necessities for a couple weeks. I have exhausted all options I know of to try to get them to work with me. 
At this point I am strongly considering closing my account and going with another financial institution. 

Document attached is a screenshot of the last overdraft. At the bottom You can see there is a XXXX ( XXXX ) day gap between the last day my account balance showed and then all the overdraft fees hit. At this time I was unable to access my balance and was consequently unaware of the overdraft and unable to fix it due to no fault of my own.
Product: Credit reporting or other personal consumer reports

I found several billing discrepancies on my report, showing late payments inconsistent with my payment habits. Kindly update my account after correcting these mistakes.
Product: Student loan

i went to XXXX college of XXXX georgia for XXXX with hopes of a better life for me and my family XX/XX/XXXX-XX/XX/XXXX. I finished my course and completed my externship and i was told that they would help me find a job.Career services never helped me with job placement I recieved a letter in the mail XX/XX/XXXX that stated XXXX job placement rates were misleading and that i may be eligible for student loan forgiveness i then filled out the paper work and sent it to the department of education for them to determine. I called to check on my student loan forgiveness application and they told me that it could take up to 12 months to determine at this time i had my loans in deferment so i was not required to make payments but the customer service rep stated that i should put my loans in forbearance. I did as the rep said i should do and a couple days later i got a bill in the mail for {$1000.00} dollars from my lender fed loan servicing. I can not afford to pay that
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX Bank XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( EQUIFAX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, XXXX and Transunion. I have provided proof of the cancellation via an email exchange between myself and the XXXX.