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

Subject : Dispute of Fraudulent Account Request for Removal Dear Equifax, I am writing to formally dispute the fraudulent account appearing on my credit report. The account, reported by XXXX XXXX XXXX XXXX XXXX is not mine, and I did not authorize its opening. I am a victim of identity theft, and I request that this account be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX To support my dispute, I have attached the following : A copy of my FTC Identity Theft Report ( if filed ). 
A copy of my government-issued ID to verify my identity. 

I request that you take the following actions : 1. Remove this fraudulent account from my credit report immediately.

2. Send me written confirmation that the account has been removed.

3. Provide me with an updated copy of my credit report reflecting this change. 

As per 15 U.S. Code 1681c-2, if I am a victim of identity theft and have provided proper documentation, you are required to block or remove fraudulent information from my credit file. 

Please complete this investigation and respond to me in writing within 30 days. If this fraudulent account is not removed, I will escalate my complaint to the, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

You may send all correspondence to the mailing address listed above. Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

I have a one main financial account. I have made payments on regular basis and most of the time it is over the amount due. In XXXX of XXXX  I made multiple payments. I made a payment in the amount of {$300.00} on Friday XX/XX/2022 and it was processed/deducted from my account on Monday XX/XX/2022. I logged in again to make another payment in the beginning of XXXX and saw that it said a payment was reversed in the amount of {$300.00}. I called the local branch multiple times before anyone called me back. After 3 days I finally told them nobody is calling me back and I want to talk to someone that day. XXXX from the branch called me and let me know that the payment was returned on XX/XX/2022. I told her no, it did not get returned, I have proof from my bank it had cleared. I sent documentation of the transaction showing it had cleared my account on XX/XX/2022. I got no help from XXXX so I went to the corporate level. I was told BY corporate that because it is a debit card it would have been returned same day. That is a lot different story than the one that XXXX provided. This account is an interest bearing account and I get charged per day on the balance that is in there. It has been over 45 days and this has still not been resolved. I have attached on multiple occasions many documents showing that it has cleared my account and they are refusing to credit my account that money. I had reached out to an attorney recommended by the Oregon State Bar. This attorney told me to send them a letter and demand it be corrected under the Federal Fair Debt Collections Act. I need help getting this payment credited to my account as I have all the documentation showing it was processed and NEVER returned to my account. I have filed a complaint with the XXXX  as well. Please help as this is affecting my credit as well as the balance that is owed.
Product: Checking or savings account

I have a dormant account with Prosperity Bank. I have just logged in to finally close the account since it is not being used and discovered the bank has been charging me a {$15.00} returned mail fee every month for the duration of my statement. 

I noted that my profile was changed on XX/XX/2022 to update to the correct mailing address and have verified that the mailing address on my profile is my current, valid mailing address. So the fees are being charged fraudulently and any returned mail is not due to an error in my mailing address or due to any fault of mine. The fees total to over {$200.00} they have cost me due to processing errors on their end. 

I have called three times to address this issue. The first time the representative dropped the call. The second time, I was put on an endless hold. The third, I was informed there was a " hold mail '' status placed on my account without my knowledge or authorization. Furthermore, if there is a hold mail status then there clearly was not any returned mail so again, the fees are incorrectly applied and unlawful. 

I have attached a copy of my statement showing the numerous charges, a copy of my account notification showing I properly updated my profile to the correct mailing address on XX/XX/2022, and a screenshot of my mailing address in the system which is the correct valid mailing address.
Product: Mortgage

Hi, my servicer NATIONSTAR MORTGAGE, LLC which now has changed their name to Mr. Cooper is violating my California Home Owners Bill of Rights and other laws and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE, LLC / Mr. Cooper and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for XX/XX/. I have paid Nationstar Mortgage but im afraid that now that Mr. Cooper is the new name of the company they will say wait you paid Nationstar mortgage NOT Mr.. Cooper sorry we cant do anything. After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on XX/XX/XXXX. I agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on XX/XX/XXXX and was delivered on XX/XX/XXXX which they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on XX/XX/XXXX and was delivered on XX/XX/XXXX which they accepted and everything was ok as well. But after making those two payments I received letter in the mail saying that my Loan Modification was denied due to not making the Trial Period Payments. How can this be that after making two payments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for XX/XX/XXXX .They are clearly in violation of the California Homeowners Bill of Rights and other laws as well. Mr. Cooper / Nationstar Mortgage is saying that there is a sale date and the sale is scheduled for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called spoke with multiple reps asked them to correct my personal information. I have requested the address XXXX XXXX XXXX XXXX, Mo XXXX removed from my credit report multiple times. Have been told it was removed to find out it is still on my credit report. This is not my address and I have never lived here. I am requesting this address removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their failure to remove an inaccurate voluntary surrender status on my credit report, despite my agreement with XXXX XXXX XXXX. 

In XX/XX/XXXX, I voluntarily surrendered my RV to XXXX XXXX XXXX. As part of a written agreement, XXXX XXXX XXXX was to remove the voluntary surrender ( XXXX ) status from my credit reports. This correction has been made on my XXXX and XXXX reports, but Experian continues to report the XXXX status for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have already disputed this matter with Experian, and despite XXXX XXXX XXXX 's agreement to remove the XXXX status, Experian continues to verify the inaccurate information. This incorrect status is damaging my XXXX XXXX and does not reflect the true nature of the agreement between XXXX XXXX XXXX and myself.
Product: Credit card

I applied for a TD Bank Credit Card after receiving a promotion through mail from TD Bank that offered {$200.00} cash back on opening a TD bank credit card account and spending {$500.00} in 90 days. 
I did that and followed up with the TD Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of TD bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. 
When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same TD Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. 
I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.
Product: Debt collection

I have already file a report with identitytheif.gov and will with the police
Product: Debt collection

The phone number they call from is XXXX. They have said that their names are XXXX XXXX and XXXX XXXX. After pressing them, they then say that they are Transworld and are trying to collect a debt for medical expenses. They start demanding credit card information and social security number for verification purposes ( yeah right )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a discharged bankruptcy and XXXX  and Equifax refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to XXXX and Equifax and they still refused to delete the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

XXXX name XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX # XXXX XXXX NAME XXXX XXXX  NAME 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 section2 : it also states a consumer reporting agency Connot furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card

I have a Wells Fargo Secured Credit Card, with a payment due the XXXX of every month. I paid my bill on the XXXX by transferring funds from my Wells Fargo Checking Account. I woke up the next day to find an account over-limit fee of XXXX added to my balance. This is not the first time this has happened. After calling customer service, I was told they attach a '' ghost fee '' ( which " should '' fall off in 3 or 4 days ) to the bill even though it was paid on the due date and not late. There is no notification of any such fee in the card disclosures, and when I mentioned this to the customer service rep, she stated even though it is not the best, it 's just their policy. These fees have an impact on my credit report and credit score, because they are reported as me overextending my credit, even though I am not. Even if the fee falls off, they do not correct it with the credit reporting bureaus and I am stuck with a false, derogatory hit on my credit for 7-10 years. Ironically, if it was n't for the fact that Wells Fargo is in the news for deceiving some of their customers, I would n't have been looking as closely at my accounts, and would not have found about their practice.
Product: Credit card or prepaid card

In XXXX of this year Citi XXXX closed 2 of my accounts that I had with them. One with a limit of XXXX dollars and the other for around XXXX. This done with out any notification either verbal or in writing. I only learned about it when I went on line to make my payments. Citi cut me off with no access to customer service or anyone to help me. I only got a number which turned out to be to collections via citis online chat. After calling this number I was told that my two accounts ending in XXXX and XXXX were closed because I had declared bankruptsy. I had never even inquired let alone delcared it. They based this on false and unchecked information. I appealed this and by the end of the week the account ending in XXXX had been reopened. Account XXXX remained closed. Citi even had issued and mailed replacement cards for XXXX. I called back in about XXXX and again appealed it. The next day they closed XXXX again at which time I cancelled my payment to that account and twice in writing I informed them that until they corrected this issue I would withhold payment on the account ending in XXXX. The end of XXXX I attempted to make my payment on line for the account ending in XXXX. I was no longer able to access this account. On XX/XX/XXXX I made arrangements to pay off the account ending in XXXX as of XX/XX/XXXX and they were going to waive all interest since they closed the account. I enquired about the account ending in XXXX and got switched back and forth about it because they could not access the account info. Was finally told the account XXXX was sent to collections. This is an account I was not late on and had never missed a payment on until the end of XXXX when they prevented me from accessing the account in any form to make payments. I have had the XXXX account for around 20 years and never had any problems. I am pretty sure this will now further affect my credit score. Citi had no justification for closing the accounts without verifing the information or formally informing me of the closing along with a written explanation. Again this affects 2 accounts the one ending in XXXX and XXXX. Also I am attaching the only response I have received from them in which the person talks about the potential Bankruptcy case. Something they now deny as the reason for closing the accounts. They cant seem to keep it together. Their response pertains to account ending in XXXX and I have yet to get any written response about XXXX.
Product: Money transfer, virtual currency, or money service

The company in question is PayPal. I have been trying to resolve this issue for many months, so now I am forced to request your assistance. I run a business where I am paid AFTER I render services ( financial counseling for mortgage holders who are facing foreclosure. ) My clients are individuals who are facing foreclosure and are having a difficult time dealing with their lenders and navigating through the loss mitigation process. I educate, counsel, and assist them in navigating the loss mitigation process through the successful completion of their process, which results in them being able to save their homes. When XXXX invoice my clients, they are happy to pay me for my experience and expertise, and are grateful to pay me for the time I invested ( in advance ) to help them. 

I have NEVER received a complaint or request for a refund from any of my clients, nor has PayPal. Again, I get paid for services rendered. Yet PayPal has decided to close my account, and hold XXXX the funds that are currently in my account in the amount of {$1700.00}. According to them, they have the right to hold my funds for 6 months! I have requested an explanation for them closing my account, and limiting me from accessing my funds, and their response is that my business is considered high risk. Once again, I am paid for services rendered. I am frustrated, and refuse to believe that this is legal. I usually lend money short term to real estate investors who pay me at 20 % return on my funds and PayPal is holding money that I could be lending. That means that I am losing $ XXXX on the money that PayPal is holding for the next six months resulting in a {$2000.00} loss. Meanwhile, not only are they holding my funds, but also they are likely utilizing my money to gain interest plus the fees that they have already charged me when the funds were paid via their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I need the following to be updated right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below for 2 of my XXXX XXXX  Credit card.

XX/XX/XXXX-30 days Late XX/XX/XXXX-60 days LateXX/XX/XXXX -60 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. Please remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has been submitted several times I've complained about being a victim of identity theft. Experian must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX, XXXX  RESOLUTIONS I XXXX, XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. there hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1581b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.