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

Im writing to delete the following information from my file. The items deleted are listed in the report I am a victim of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft affidavit. Please delete this item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/06/XXXX  XXXX XXXX-Date of inquiry XX/XX/0XXXX XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXXDate of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/15/XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Mortgage

I have an FHA loan with Flagstar ending in XXXX. My mortgage payment was {$2200.00}. During XX/XX/XXXX they sent me correspondence advising me that there was an escrow shortage of {$5700.00}. On XX/XX/XXXX I paid {$2000.00} towards the escrow. On XX/XX/XXXX I paid {$1000.00} towards the escrow, for a total of {$3000.00} leaving a balance of {$2700.00} as a shortage. The bank deducted {$3100.00} as my XX/XX/XXXX payment and it said that my payment for XXXX will be {$3100.00}. I contacted the bank on XX/XX/XXXX, I spoke to XXXX ( may be spelled differently ). He indicated that my monthly payment will be {$3100.00} for the next 12 months. That they computed it by dividing the {$5700.00} by 12. He explained that XXXX will be added to the monthly payment. I asked him what happened to the {$3000.00} I had already paid. He explained how they computed shortages and thats how it will be. It seems to me that they did not take into account my partial payment of {$3000.00} to compute my new payment. In total they have increase my mortgage payment from {$2200.00} to {$3100.00} monthly. An increase of XXXX monthly. It appears to me that they are not following regulations at 12 CFR 1024.17 as my escrow is above the XX/XX/XXXX of the total annual escrow payments the bank anticipates to pay from the account.
Product: Debt collection

No response. unable to verify the information from XX/XX/19 - XX/XX/19.

as CAPITAL ACCOUNTS LLC. XXXX XXXX XXXX XXXX XXXX, TN XXXX from XXXX XXXX on its monitoring report.
Product: Credit card or prepaid card

Hi, I was just charged a late fee by Citibank on a new credit card account. I did not receive a statement in the mail, so I did not know that a payment was due. I just made the payment in full for {$60.00} on the Citibank website. I asked them to refund the late fee, but they refused. I noticed that they had this account set up for paperless statements, which I did NOT request. Therefore, I would like the fee refunded. I have been a long-time Citibank customer and I keep my account current. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 


XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I just received a text from Wells Fargo. Saying that I have a negative XXXX  balance on my account. My last posted balance did not get updated after I had made 3 deposits. When I view my transactions, the money for the pending transactions have already been taken out. I deposited a certain amount of money on the XX/XX/XXXX of XX/XX/XXXX, bringing my balance to over XXXX. Because my canoe was due to be taken on theXX/XX/XXXX ofXX/XX/XXXX which would have been XXXX. Which would've left me with a low balance. Not a negative. I had deliberately put that money in my account, because I didn't want a negative balance. I deposit what I need, in order to not go into a negative. Wells Fargo had already taken the other pending transactions out of my account before I had made the other deposits. I had tried to take a screenshot when it was updated. But the security Wells Fargo has on their site does not allow me to take a screenshot. This has happened several times before, and the exercise I was given was their system updates that way, and they can't view what I can't view. So anything I see, is what they see and that's what they go off of and can't do anything about it. Per pending transactions, money is being taken out twice. If the pending transactions have already been taken out of my balance, why keep changing the date of the pending transactions? They don't update the deposits to your current balance. I'm ready to switch Banks is this issue doesn't get solved.
Product: Checking or savings account

I deposited into the ATM my payroll check from my employer on XX/XX/XXXX. I was told at the ATM that the funds would be available in 7 business days which was very strange as they never take that long. On Monday. XX/XX/XXXX the funds were not available, by Tuesday XXXX I contacted Chase Bank by telephone concerned about the unavailable funds. I was informed that there was a hold on the check due to a verification of issuance. That my employer could not be verified. I spoke with my manager regarding the issue and he reassured me that they can call and he will happily verify. When speaking to the agent they said that verbal confirmation needs to be done using the number listed for the company. She left the line to call the number but we didn't receive a call. Turned out, the number listed was incorrect. I then went into a branch to speak with a teller in person, the same day. Nothing was accomplished. The teller said the only verification was through the telephone number listed for the business. Even though i had explained that i did not know why it was wrong as i work in the building every day. I provided the correct number and nothing was done. Frustrated i left to speak with the accounting manager at my job. She had me call the bank directly and add her to the line. They explained to her the issue and she offered to provide many other forms of business verification. She said she can email the deed/title of ownership, our EIN, anything that would suffice. Chase was not accepting any of the forms and stated that the number had to match and that was the only way it could be released. I dropped it for the next few days hoping i could find another solution. Monday XXXX i addressed the issue again because i noticed the check was cleared in the bank but not available for use. My employer agreed to reissue the check until seeing this. Chase bank cleared the check but was holding the funds so that i was unable to have the check reissued. When i approached my employer she said she could not do so until they cancelled the check and took off the hold. I called chase bank, spoke with a supervisor and was told there was nothing they could do without a verification through a number that i had previously stated was incorrect and out of service. There was no meeting me halfway and no compromise. So now i am out of a check for almost 3 weeks and i have not found a common ground. Chase bank has closed my account and has kept the hold on the check making it unusable.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX Balance {$710.00} XXXX  XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$670.00} XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Mortgage

Hello, My mortgage was sold and transferred to Shellpoint/Newrez mortgage back in XX/XX/year>. Ever since this transition occurred I have not been able to access my mortgage online. I have called numerous times and talked to several representatives and I have been told several times that they had an issue downloading some accounts to their system. My issue is that this has gone on for two months now and it still hasn't been resolved. I'm totally in the dark with what's going on with my mortgage since they are unable to figure out their system issue. I'm unable to make payments online or see other important mortgage information. 

Please help me with this issue. As a consumer I have no idea what to do next, I feel like I'm out of options and none of this is my fault. It is Shellpoint/Newrez 's system issue that they need to resolve. 

Thank you
Product: Debt collection

XXXX XXXX with Empire Resolutions has called my ex-husband, his Mother, and his brother, when he has my phone numbers and I have spoken to him about my desire to pay the debt. His illegal calls were made after I tried to set up a payment, but the lawyer promising me to have my divorce settlement keeps promising a date for my money, then having a reason for pushing it back. I have been trying to get this divorce settlement for over a year and this is the reason that I could not pay the XXXX bill. The original bill amount was XXXX. I would happily set up to pay this amount. XXXX XXXX XXXX led me to believe that the amount he quoted me was the original debt amount, less fees and late charges. It turned out that it was the full amount with fees and finance charges. He threatened to take me to court if I did not agree to pay the full amount, which he said would easily cost me XXXX times the amount. When I called him back he said that they were not a debt collection agency but a pre-law company and that their lawyers said that the amount of the debt was low so they would not take off the fees. I believe he was lying to me and trying to threaten and scare me into agreeing to pay the full debt to his advantage. i am trying hard to pay my debts and do not plan to file bankruptcy. I am sick of all the collection agencies using these tactics to collect their fees. This man should lose his job. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am filing this complaint regarding an inaccurate item on my Transunion credit report that continues to negatively impact my credit.Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and* does not reflect my true credit history. 
FCRA ( 605B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute through the proper channel but with no satisfaction. Starting with certified mail : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau Equifax, XXXX, and XXXX didn't address the reinvestigation policy and laws. The stamp of approval for the reinvestigation was not on the conclusion. The stamp is XXXX ( automatic credit dispute verification ) meaning when you send a dispute to the credit bureau electronically XXXX will get the dispute and send it out to the creditors being disputed. XXXX also stamps the dispute to the creditor. In return they have to verify 100 % of all information is correct. Without this stamp from XXXX, this investigation is illegal. 
My next phase of action is Pre-litigation for all infractions on my credit report. I am looking for a lawyer who can take on my case.
Product: Credit card or prepaid card

THis is regarding the letters i keep getting from XXXX, debt collection company. 
I have repeatedly mentioned to the few calls I attended that I do not own this credit card nor got any statements from the credit card. 
Long time ago, when the Credit card company called me once, I told them the same. They read me out the majority of charges were for painting from some other location ( I vaguely remember as GA or South Carolina ). I live in XXXX Mi since 1992 and have never visited the places where the card was charged. I do not know anybody in GA or travelled to the state. 
They mentioned that they will look into it. Afterwards I never heard from them and then heard from you that they have sold this loan. 
Usually, I dont answer most of the XXXX numbers. So, I might have missed a lot of calls from your company. 
Anyway, this Credit Card is not mine nor I made any charges on this. Please understand and investigate who has used this Credit card. This is some kind of Fraud using my name and my personal information.
Product: Debt or credit management

Credit Collection Services is innacurately reporting to the credit bureau in my name but when i called to try to resolve it because i dont what account this is they are refusing to assist
Product: Debt collection

I am compelled to address the concerning actions of Jefferson Capital. It has come to my attention that they have neglected to provide me with proper notice or a dunning letter, affording me the opportunity to contest or validate the purported debt. Instead, they have swiftly proceeded to list the alleged debt for collection. This conduct blatantly infringes upon my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ). Therefore, I assertively demand the expeditious removal of the tradeline from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am submitting these complaints in hopes of getting a late payment reversed. I have never been late on this account. I am not sure if my payment didn't go through or if it was an oversight. 

As a courtesy, I am asking if this payment can be reversed to good standing or current. 

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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. 

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

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigation these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Specific details of the repossession in question listed in document attached XXXX.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXXWhat certified documents were reviewed to conclude your investigation? 
XXXXPlease provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXXWhat did it cost your company to obtain the documents needed to complete your investigation? 
XXXXPlease provide proof of your timely procurement of certified documents. 
XXXXDid you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
XXXXIf yes to above : a.Who did you speak to? 
b.On what date? 
c.How long was the conversation? 
d.What was their position? 
e.What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any email or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXXProvide the date of the commencement of delinquency XXXXProvide the SPECIFIC date reporting that these items will cease
Product: Debt collection

The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX {$140.00} XXXX   XXXX {$760.00} XXXX XXXX XXXX {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX credit!