23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

I discovered some instances of old accounts for which are unlawfully displayed on 1 credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( s ) with XXXX XXXX XXXX XXXX account number ( s ) XXXX should be DELETED from EXPERIAN. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER OPENED THESE ACCOUNTS XXXX XXXX  {$4800.00} & XXXX XXXX  {$790.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX webbankXXXX XXXX imagine Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 1681i, you are legally required to ensure that all information reported is accurate, verifiable, and complete. The item in question is as follows : Account Name/Number : [ Provide creditor and account number ] Issue : [ Explain the probleme.g., incorrect balance, account not mine, account reported late, etc. ] Date of Inaccuracy : [ Specify the date of the error ] This inaccurate reporting constitutes a blatant violation of my consumer rights under the law. Enclosed with this letter, you will find detailed evidence supporting my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and paid off full balance once I found the issue on my credit report as I had received no communication showing that I had a balance owed.
Product: Credit card or prepaid card

Dear Chase, I am a victim of identity theft and I called to report this information to your fraud team again today you and they were unable to verify me via my cellular phone number ( S ). This is not my first time attempting to reach your fraud team. They put me on hold to see if there were other solutions they could offer me. They suggested that they call me back to verify me. I suggested that I go to a branch but they dismissed this idea and recommendation to call me back on my phone line. Also, my zip code is coming up incorrectly in your automated system. Can you please investigate asap.
Product: Credit reporting or other personal consumer reports

I was stunned to discover incorrect accounts on my credit report this morning, and I have no idea how they got there. I routinely check my credit report, but this time, I was shocked to see discrepancies that seemed to appear out of thin air. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained.
Product: Mortgage

To Whom It May Concern, I'm writing to address an error in the calculation of my property taxes, which has significantly impacted my mortgage payments. On XX/XX/XXXX, my mortgage payment was raised from {$1600.00} to {$3200.00} because the company miscalculated my property taxes, stating they increased from {$2000.00} to {$8000.00}.

I informed the company that I couldn't afford this new payment, and they suggested an escrow spread, which adjusted my mortgage down to {$2400.00}. Concerned about the drastic increase, I questioned the source of their tax information. They claimed it came from my state.

I reached out to my state and obtained a tax form showing my property taxes were actually {$2200.00} for the year. I provided this form to the mortgage company, and they agreed to run another escrow analysis and backdate the payments to correct their mistake.

However, I am now being told I must pay the {$2400.00} for the past months and they can not backdate it, but moving forward my payments will go down to {$1800.00}. This charge is unfair, as it stems from a mistake made by the mortgage company, not by me. Additionally, I have not received an explanation for how the {$8000.00} property tax figure was determined.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX  {$7900.00} XXXX XXXX XXXX XXXX {$4700.00}
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of the information on my credit report from XXXX XXXX XXXX, account number XXXX. There are 2 entries from this account on my credit report, one shows a perfect payment history and the other shows 120 days late in XX/XX/XXXX. When I disputed this inaccuracy in XXXX, it was corrected to reflect no late payments since my account was in forbearance and no late payment should have been reported. However, with Equifax, the account is still showing 2 different account entries and I only had one account. The information on both of them is inaccurate, nothing matches, and I have requested for this information to be deleted from my credit report due to inaccurate information. I filed a recent dispute on XX/XX/XXXX and Equifax returned the dispute as accurate, when it is clear there is a discrepancy. I have attached the results from both disputes that were unresolved. I want the information from XXXX XXXX XXXX removed from my credit file with Equifax.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XX/XX/2023. Social security pension check was given on XXXX the XXXX 2023. Social security XXXX stated that my father is due the check in XXXX because the check is a XXXX check this check is a month behind due to social security. The bank Chase Bank has instructed they claim for the amount due to the case of the XXXX  beneficiary the bank Chase Bank is claiming that my father account is overdrawn by {$800.00} yet his a check is for they will not release the funds nor will they send the check back to social security until payment is given of {$800.00}. I informed them that social security said they could take the money out of his check and either deposit the rest of the money or send the check back to social security with the amount taken out of the {$800.00}. Bank does not agree bank will still hold it they have a hold on my father 's check since XXXX the XXXX they won't solve resolve this problem with me nor will they send the check back to social security or lift the check to get the money that he is owed and release the funds to his account. They will not help me no matter how many times I walk into the bank and ask them or call them and social security said their hands are tied until the bank agrees to either take the money that's owed and issue the check or reissue another check under my name a mail check through social security. The bank stated that XX/XX/XXXX they will lift the check then they said the XXXX of XXXX now they said they're just holding the check until the overdraft amount is given. I spent them I do not have the funds Bank said they can't do anything about it. So they're holding the check not releasing it back to social security and they will not release the check to take their money and deposit the rest of the money that's owed to my father.
Product: Checking or savings account

Good day, I opened a Rewards Plus Checking account with Upgrade Inc. on XX/XX/24. In the first few days I was able to verify and add an external bank account as well as transfer over {$3000.00} into the new Upgrade checking account. I was planning to also open a savings account with Upgrade as they sent me an email offering a competitive APY. On XX/XX/24, as I was traveling abroad with my family and tried to log into my account to try and set up the savings account. When I logged on I noticed that my checking account was suspended. Concerned about this, I immediately reached out to the company via email to inquire about the suspension. At which time they told me they couldn't provide any information via email and I needed to call them. Out of desperation, I made the call to the bank, incurring roaming charges. During the phone call all they did was confirm the suspension. They could not provide me the reason for the suspension. Furthermore, they told me I needed to send them an income tax statement, another bank 's statement, and a picture of my driver 's license. They refused to release my funds and close my account. I was told that until all the requested documents were provided, I would not be allowed to access my funds. Meanwhile, they do not even have a secure encrypted way of transmitting these documents to them. They wanted it sent over regular email. Out of desperation, I sent all the requested documents the same day ( XX/XX/24 ). On the following day I received a response stating that they also needed me to take a selfie holding a sign showing my account number. I did that as well on XX/XX/24. When I finally came back to the US on XX/XX/24, I immediately called them as they haven't provided me with any updates and my account was still suspended. I spoke to the supervisor who informed me that two of my documents were rejected - the income tax return needed to be a signed copy and the bank statement had to have at least 5 transactions on it. I was extremely frustrated, but again they told me I couldn't have access to my own money until I submitted what they're asking for. So I sent them another bank statement on XX/XX/24. I didn't have a signed copy of income tax return so they sent me an e-sign request form for IRS 4506-C form. Today is XX/XX/24 and I am still waiting to get access to the money that belongs to me. These people would not tell me why my account is suspended or let me speak to anyone at the department that actually reviews these sorts of cases. I've had multiple bank accounts in the past and never have I been forced to provide so many of my personal documents, especially after granting me full access to the new account and then trapping my funds there with no way out. I believe this is a deceptive and illegal practice and the government needs to step in to review this and request for the bank 's immediate resolution. 

Thank you for your assistance in this matter, XXXX
Product: Checking or savings account

Once I have Certified letters and Order for Guardian of a person in my hand, I should be able to take it to the Bank and marshal the account and have access to my client 's funds. Chase Bank requires me to go through a lengthy process which has caused my client 's to be exploited by family members who wipe out the account before Chase Bank will close the account. 
On XX/XX/year>, I emailed a copy of my Guardian Letter and Order for a new Court Appointed XXXX to my local Chase Bank. It is now two days later and I have not been given the " permission '' to go into the branch to close my client 's account and have access to his funds. Meanwhile he is stranded in the hospital, as I am not being permitted by Chase Bank to have any access to his accounts even though my Court Guardian Letters and Order state " all financial institutions shall cooperate with the XXXX XXXXXXXX XXXX XXXX  in XXXX  funds, closing accounts, including bank accounts held jointly with other individuals. '' When I ask why the process takes so long, I am told the paperwork has to be reviewed by a legal team of experts on guardianships. Other banks work with me immediately, but Chase Bank has held the process up for over a month in one instance and my client 's account was drained by someone who had access to her debit card.
Product: Debt collection

They said that the bill is not paid I have had equal fax to re dispute the payment. I have called they and nothing good turned out from it.. 

I XXXX XXXX have sent the payment to Southern Management System to try to resolve the issue. I also had the XXXX CRAs submit the receipt of payment that attached to my dispute to Southern Management System. They are refusing to acknowledge the payment therefore I filed a claim with the CFPB to get assistance resolving this issue.
Product: Credit card

I am writing to dispute the response to case # XXXX. For your convenience, I 've included the original complaint : -Original Complaint- I am writing about my Citi Prestige credit card ( Acct XXXX ) because Citi incorrectly reported my account as " 30 day late XX/XX/XXXX '', even though I mailed in a check to them. I am attaching a photocopy of the check I sent as proof. They admitted that it 's possible that they lost or misplaced my check. I been a Citi credit card customer for over 10 years ( since XX/XX/XXXX ) starting with the Citi Dividend ( Acct XXXX ) and have never pay late. 

I wish for Citi to update my credit report to all the major credit report agencies ( e.g., XXXX, XXXX, XXXX ) to accurately reflect that my account was never 30 day late XX/XX/XXXX. 

As of the day of this complaint ( XX/XX/XXXX ), my credit card account has a zero balance. 
-End Original Complaint- I mailed a payment check on XX/XX/XXXX, and another one on XX/XX/XXXX. One of them was misplaced/lost and another was returned as undeliverable. XXXX XXXX from Citi responded to the original CFPB complaint on XXXX/XXXX/XXXX refusing to fix the problem. She then mistakenly sent a letter dated XX/XX/XXXX ( attached ) saying that " We have a copy of the front of your check ; however, we will need a copy of the back of the check to see where it was cashed and to assist us in looking the payment. '' I never stated that the check was cashed. I CLEARLY stated that the check was " lost or misplaced '' by them. And the other check was returned as undeliverable. I even stated at the conclusion of the original complaint that, " As of the day of this complaint ( XX/XX/XXXX ), my credit card account has a zero balance. '' After my complaint, she open a dispute for {$2600.00} even though I never claimed it was cashed. I have no idea why she did this. This demontrates that Citi lacks the competence of doing their job properly. 

A quick search on XXXX shows that Citi has an issue with losing and misplacing customers ' payments. 

As a result of this, I enrolled in AutoPay in my Citi Prestige account to have the funds electronically drafted from my account to prevent them from misplacing/losing my payment check. 

She ignored the fact that I have another credit card account with them ( Citi Dividend Acct XXXX ) that I have for over 11 years with XXXX late payment. This demonstrates that I 'm a responsible person that pays on time. She did n't even address that. 

I want Citi to update my credit report to all the major credit report agencies ( e.g., XXXX, XXXX, XXXX ) to accurately reflect that my account was never " 30 day late XX/XX/XXXX '' to be in compliance with the federal Fair Credit Reporting Act ( FCRA ) law. I hope this error gets resolved by Citi because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. 

As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. Thank you very much for your assistance.
Product: Mortgage

I contacted several attorneys to do the closing on my XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX house and they all declined. I was told that the house was foreclosed on and couldn't be sold and I was also told that the house is in a pool of homes that can't be sold alone. I got a call back from XXXX XXXX who said that he could do the closing. Many closing documents show XXXX XXXX XXXX XXXX, XX/XX/XXXX and the seller 's section 1445 IRS tax information shows that they sold me XXXX XXXX XXXX and not XXXX XXXX. 

What it comes down to is that no one is producing the requested paper work and potential buyers are telling me that there is no title insurance. The DEED and the TITLE INSURANCE show very different locations. I need to verify is if Chicago TITLE actually issued a policy and not just a binder. The binder number XXXX is all I seem to get from Chicago when I request a copy of the TITLE POLICY. Can Chicago TITLE please verify if the commitment to title was ever issued? 

I have tried to get information about my original XXXX purchase mortgage with XXXX XXXX XXXX XX/XX/XXXX along my refinance information with XX/XX/XXXX Lenders in XXXX. So far XXXX XXXX XXXX XXXX who acquired XXXX has produced no records of the mortgage at all. XX/XX/XXXX Lenders has not produced anything to prove that the actually paid off the existing mortgage. I have requested XX/XX/XXXX Lenders to provide the lien release that should have been issued when the XX/XX/XXXX was paid off. There is no record of the mortgage being satisfied and there is no record of the mortgage being discharged. XX/XX/XXXXLenders has not produced anything to prove that they actually paid of the existing mortgage if there really was a mortgage to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail for synchrony home issued by synchrony bank. I have not personally applied for any products or services through this company. I went in to buy a product from a conns and was told that my credit would be pulled for the application. I was unaware of my credit being pulled a few times in order to receive a product. I was not notified by the employee. However, after contacting synchrony home I discovered that my credit had been pulled a few times resulting in the letter I received in the mail.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports from XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : capital one bank ( XXXX ) .Im requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> i notified Transunion that there were some things on my credit report that I did not recognize. I sent them instructions to block and delete the accounts due to the Data Breach ( 15 USC 1681c-2 ( a ) which were in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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