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

Honorable XXXX XXXX Attorney General, I am writing to bring to your attention a matter of grave concern regarding the persistent inaccuracies and inconsistencies in my credit report as maintained and disseminated by XXXX, XXXX, and multiple secondary credit reporting agencies. 

Despite my diligent efforts since XX/XX/XXXX ( over 316 days ), involving over XXXX letters of dispute, complete with legal documentation and personal identification, my requests for correction have been egregiously disregarded. This letter serves as a formal complaint against the aforementioned agencies for their failure to adhere to established credit reporting standards and their blatant disregard for consumer rights. 

Included with this letter is a document from the Bankruptcy Court in Texas dated XX/XX/XXXX clearly stating its policy of non-reporting to credit bureaus. This pivotal piece of evidence has been repeatedly submitted to the credit bureaus, only to be met with unfounded allegations of forgery and unreasonable demands for personal information already provided. 

The reporting of a public record on my account is in direct violation of the CDIA 1997 Reporting Standards and XXXX compliance, underscoring a flagrant abuse of my rights and a lack of data integrity. The inconsistency in reporting between XXXX, XXXX, and XXXX, particularly the unique discrepancies noted in XXXX 's records, highlights a systemic issue that undermines the credibility and functionality of the consumer credit reporting process. 

Furthermore, XXXX 's repeated requests for verification of my credit information, suggesting unauthorized submission, is a tactic that has unduly delayed the resolution of these errors for 316 days. This practice is not only unethical but also illegal, stalling consumers ' efforts to rectify inaccuracies on their credit reports. 

I hereby cite three significant legal cases where consumers, faced with similar grievances, sought justice against XXXX and prevailed : 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  These cases underscore the legal precedent for holding credit reporting agencies accountable for their negligent practices and the significant impact such errors have on consumers ' lives. 

I demand a thorough investigation into these matters, the immediate correction of my credit report to remove the inaccurately reported public record and all negative items, and compliance with my legal right to access my credit information without incurring fees. The current model, where consumers must pay to access their own informationinformation that is then sold for profitis unacceptable and demands reform. 

I look forward to your prompt attention to this matter and expect a resolution that restores my credit report 's accuracy and integrity, safeguarding my rights as a consumer. 

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

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Checking or savings account

Citibank has sent me an email on XX/XX/XXXX  saying my account will be closed within 60 days because I have violated the terms of your account per the client manual. I was not given an explanation in that email about the exact nature of the violation. I have attached a copy of that email with this complaint. Since then I have not been able to login to my Citi account, do any transactions and I have been unable to get any help from Citi customer care. 

When I called Citibank, I was told that my account has been blocked/soon to be closed and customer care mostly repeated the same information provided to me as on the aforementioned email and disconnected abruptly. One customer care person said my account was detected with a " fraud transaction '' and hence its blocked and soon to be closed. I can confirm that there have been no such fraudulent transactions. However, I wasn't asked for an explanation by Citi. My account has approximately XXXX XXXX as on XX/XX/XXXX. The email sent by Citibank informs me that they will send any funds belonging to you to this [ my ] address, once the account is closed. This means that I cant access my own hard earned money in my citibank account right now and for upto 60 days or less, and is at citibank 's discretion. I need my funds ASAP to pay for my various bills, including my condo XXXX payments and several medical bills. I got the number for a Citi XXXX XXXX XXXX at : XXXX from an online reddit forum where a person faced a problem similar to me and opened a case with them. Link of post on online reddit forum : XXXX XXXX XXXX Citi XXXX XXXX XXXX told me to wait 15 calendar days before I get any response. This is a very long time for me as I need access to my funds now to pay my bills.
Product: Mortgage

On XX/XX/year>, PHH mortgage sent me a letter stating my hazard insurance had expired, and I was required to purchase some to avoid any lapse in coverage. I contacted my title agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and asked him about the situation because he was supposed to ensure all payments were made, and this is when he ( XXXX ) told me I was no longer escrowed, and I would have to make the payments for the insurance and taxes on my property myself starting immediately. So in a haste, I quickly obtain insurance ( after some back and forth between insurance companies ) and have been having to deal with issues from both companies ever since. So after dealing with a payment issue with my previous issuer, XXXX, I end up having to file a complaint with the TN Dept. of Commerce and Insurance, but I still ended up obtaining insurance with XXXX. XXXX then tells me he will issue a stop payment to the check with XXXX, and send it to XXXX XXXX XXXXXXXX is now charging me for that balance even after the state investigation found they wrongfully cancelled my policy. ( {$860.00} ) So after the investigation, I received several letters in the mail, all on the same day, and they were all dated for the same day ( XXXX ) The XXXX was a insurance policy declarations page through XXXX XXXX XXXX XXXX that was active from XXXX ; the XXXX was a cancellation notice of that policy dated the same day, reason being named insured request and I did not request a thing ; the next was that {$860.00} bill from XXXX, and lastly was an escrow analysis statement, insisting I was indeed still in escrow, which is the opposite of what I was told by XXXX and PHH! So when I call to ask questions, the reps act like dont understand and regurgitate scripted jargon back to you. When I asked who cancelled my insurance policy, I was given the run around. So after further research, I see how bad of a reputation PHH has and Im now positive they have lied to me and mishandled my mortgage. They have cost me XXXX if not XXXX of dollars in insurance payments. And my title agent, XXXX, went right along with the lie, so I currently trust no one with this hefty amount of money that XXXX forced to finance through these people! I am troubled because I see PHH has had several lawsuits against them and tons of complaints, but theyre somehow still allowed to do this to hard working people. And I actually called myself reading the fine print this time, but to know that this company with flat out lie to you and even go as far to forge documents is unbelievable!
Product: Mortgage

My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly.
Product: Vehicle loan or lease

Subject : Complaint against XXXX XXXX of XXXX XXXX and Acura Financial Services Regarding my Lease Agreement for a XXXX XXXX XXXX SH-AWD w/Technology Package on XXXX XXXX Summary : XXXX XXXX of XXXX XXXX and Acura Financial Services violated the Truth in Lending Act when they withheld disclosure of additional charges pertaining to my lease of the XXXX XXXX XXXX. The additional charge of approximately XXXX was added to the Rent Charge. This undisclosed charge increased my monthly payment form approximately XXXX to XXXX ; and it significantly reduced the 14 % discount that we negotiated. I did not receive written disclosure of this additional cost before signing the Lease Agreement, and there was no verbal disclosure to me by the following employees of XXXX XXXX who assisted me with the purchase process : Mr. XXXX XXXX ( Internet Sales Specialist ) whom I received an email from promoting their end of the month sales special with up to 15 % off New RDXs ; Mr. XXXX XXXX ( Sales Manager ) who negotiated the details and terms of the lease ; or Ms. XXXX XXXX ( Finance Manager ) who reviewed the terms and the completion of the Lease Agreement with me. I was denied the ability to accurately evaluate the true value of the negotiated discount price for the vehicle because the details of the undisclosed cost ( rebate ) within the Rent Charge was not disclosed to me. The details of my Lease Agreement with XXXX XXXX are attached, which includes my detailed statement and Exhibits 1-10.
Product: Credit reporting or other personal consumer reports

This account has been reported to all three credit reporting agencys wrong. It is required that they are reported accurate across each one it shows a line of credit and some say credit card. The dates that it claims that its open is different from each credit reporting agency. it is required that they maintain 100 % accuracy when reporting. I have attempted to bring this to the creditor and credit reporting agency and they have continued reporting my information in correctly.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting or other personal consumer reports

I have emailed LoanCare LLC back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX C XXXX. I have also attached an FTC IDENTITY THEFT report for the following items : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. The report number is As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

I previously submitted complaint XXXX where HMF replied and allegedly they mailed the title out on XX/XX/XXXX. It is now XX/XX/XXXX and still no title. In the last year alone there have been approx. XXXX similar complaints filed with this agency by other customers who, similarly, had their cars title held hostage. There is no way any company can blame XXXX for losing that many titles in a year. I need my title sent to me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target has it listed for two late payments in XXXX and XX/XX/2016. Since XX/XX/2016, I have not missed or have a late payment. This is still on my credit and has been resolved over 3 1/2 years ago. This account is still open and in good standings.
Product: Money transfer, virtual currency, or money service

I am no longer able to use XXXX to send monies.
Product: Checking or savings account

I Wrote a Check to deposit from my business chase to Wells Fargo personal checking amount of {$99000.00} on XX/XX/2023 was expected to drop by XX/XX/2023 and it was not I called Wells Fargo bank I was told it we be dropped before end of the day nothing drop next morning I receive a closure email from Wells Fargo saying my savings we be closed by XX/XX/2023 because of one or 2 checks I deposited that was suspected to be altered. They need close my account by XX/XX/2023 and send me checks or any bal on my account I got another mail on XX/XX/2023 that they are waiting on my sending banks for more information about the check or something! I called XXXX XXXX  where I wrote the check and I was told the check as been release and cleared from there ends which I comfirmed because {$99000.00} was debited already from my business XXXX. But Wells Fargo keep posting my Closure date till now is postpone to XXXX I cant cope with this no more I need my money government pls address this issue
Product: Credit card or prepaid card

I enjoyed my relationship with Nordstrom/ TD Bank USA and appreciated the services they extended to me in the past. Past financial issues caused me to miss payments despite my best efforts to always be on time. I wrote to see if they would be willing to make a goodwill adjustment to the reporting of the three credit agencies. 

During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXX of 2022, my unemployment funds were depleted and by XXXX of 2022, I was being evicted from my apartment. I strived but failed to complete payments on time. 

I want them to know that I understand my financial obligations and if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. 

I am kindly asking that the company considers this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if the company could give me a second chance and make a goodwill adjustment to remove the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains 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 unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

I have a loan through First Merit Bank. It is a 15 year loan and I am currently XXXX years ahead of schedule as far as paying this loan off. I made double paymentsfor about the first XXXX years of the loan. Well I ran into some financial issues as wellas some health issues and to say the least money has been tight. Well I made fewpayments late and First Merit Bank reported me to the Credit Bureau, which I know, all banks do this, but I believe this is wrong on so many levels. First off, I am wayahead of schedule, so I do n't know how you can say it is late? Has First merit notused my money that I have already paid back on other investments to further theirbusiness interests? Had I not paid ahead, they would n't have nearly half the moneyfrom me that they do now, but somehow, they are warning other creditors that Imay be a credit risk? This should be against the rules period. I am tired of watchingBanks make money at every turn, and then in return, take advantage of the verypeople who pay them for their services. This is wrong and I really feel liketheir should be rules against reporting people who are truthfully way ahead onloans. I have discussed this with First Merit and the only answer they will give me isthat 's just how it works, sorry. So this is what happened, I hope someone can helpme or at least point me in the right direction.
Product: Credit card or prepaid card

once again Citibank fraud department froze my card bc I called to set up my PIN. 

Once again, they can NOT send a pin to my phone number, never fixed. 

XXXX I don't know how they stay in business. 

Once I am done with the card, I will cancel it.
Product: Credit reporting or other personal consumer reports

Please see the attached letter from the FBI that I received on Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to you for assistance. I am Chase Bank customer. In XX/XX/XXXX, I was charged a total of {$1500.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1100.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1900.00}. In NSF/overdraft fees. In XX/XX/XXXX, I was charged {$2600.00} in NSF/overdraft fees. It goes back further, but these are the numbers I have. The bank had reversed a few fees through out each year as a courtesy. I have been charged numerous {$34.00} fees for {$15.00} and under charges. I have reached out to Chase several times online and within local branches requesting help. I feel strongly there should be a cap on what can be charged in a year and if a purchase is {$15.00} and under, a fee should be waived. This has been a snowball effect on us. Once we are behind, we cant get caught up. We need help. We are beginning each pay check behind. I am looking for the total of {$200.00} fees charged this current month of XX/XX/XXXX reversed and not effect the courtesy waivers of 3 per year. Hopefully, if we start the year whole, we can avoid running into this ongoing problem in the future. This has to stop. We have paid Chase {$7400.00} within 4 years! Thats a ton of money that we dont have. I dont know what can be done in reversing more from past years, but Please help us!!! I greatly appreciate your time in this matter!
Product: Checking or savings account

On XX/XX/2021 i noticed funds missing out of my Bank of America checking account. I went into XXXX XXXX XXXX XXXX. branch and spoke with branch XXXX XXXX. He informed me that XXXX was removing this money, i immediately informed the bank i do not have XXXX or have i ever used XXXX. The bank stopped my card and put in a claim. Bank said no worrys, a week later. I receive a letter my claim was denied so i refused their findings and re- opened claim sent them documents : Police report, Attorney General claim and also i put a freeze on my credit report to protect myself. These transaction weren't authourized by me and Banks late finding they said they feel that i authorized these transactions. We still refuse to accept banks findings. I feel as a vailed customer of Bank of America for over 20 years, they should beleive me when i come to them with this major theift of my hard earned money. I also feel the bank has a fadushiory responsible to protect me and my money.
Product: Credit card or prepaid card

Vendor : AMAZON/CHASE On XX/XX/2020 I purchase a wrist watch by {$64.00} plus handling, shipping tax which amounted to {$78.00}. I returned the watch and on XX/XX/2020, Amazon informed that a REFUND was issued on XX/XX/2020 and watch received by vendor on XX/XX/2020. 
Please note that Amazon informed that a REFUND ( No " Gift Card '' ) was issued and CHASE debited my account for the purchase and credited it for the refund. I was satisfied knowing that my AMAZON/CHASE account was refunded. 
On XX/XX/2020 I received a letter from CHASE informing that a charge back for the same amount {$78.00} was made due that A GIFT CARD WAS ISSUED for said amount and that I used it for other purchases. ( per today XX/XX/2020 phone conversation I was informed that I used said GIFT CARD to make 3 purchases and was given the items I bought which looks they in fact were purchased. 
THE PROBLEM IS : that Amazon used to gives reward points in the purchases customers made and I though that the credit I received in the 3 purchases was for the POINTS and not for a GIFT CARD they said they issued since I ignored and was not informed of such gift cards. ( See attachment that shows a REFUND was made NOT A GIFT CARD. 
SUMMARY : Amazon should NOT ISSUED gift cards for returns but REFUND the value to whatever method of payment was used since gift card OBLIGE customer to continue purchasing. I feel deceived by the policy of AMAZON and I am DISPUTING THE CHARGE OF {$78.00} even if I unknowingly used the gift card they said issued thinking that the credits were for reward points.