23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I am writing regarding a total sum of {$880.00} in missing funds that we are trying to reclaim from Citizens Bank, and I am seeking a resolution to have these funds returned to us. The missing funds are due to a series of problematic withdrawals that Citizens Bank had made to our account. 

The earliest is a transaction from XX/XX/XXXX, where {$880.00} has been subtracted from our escrow account with only the description " Misapplied Funds ''. This is likely stemming from another error that Citizens Bank had made last year, where they actually sent a homeowner insurance payment to our insurance company XXXX from another bank customer 's account. After working with the insurance company to get the funds returned to Citizens Bank so that they can repay the other bank customer, it seems like Citizens Bank ended up withdrawing this amount directly from our account, instead of using the returned funds that they should have received from XXXX. 

The second is a transaction on XX/XX/XXXX, for a total of {$910.00}. This was supposed to pay for our quarterly property taxes, but our Department of Finance had never received this check, and hence we ended up being charged a late fee of {$6.00}. Citizens Bank had finally refunded us the missing {$910.00} on XX/XX/XXXX, but we are requesting a refund of the late fee that we had to pay due to Citizens Bank 's negligence. 

The last transaction is also on the date of XX/XX/XXXX, where our escrow account listed that {$6.00} in taxes had been paid, but on our local Department of Finance payment history website we found a matching payment at {$6.00}. We are willing to subtract 2 cents from what Citizens Bank owe us due to this. 

Summing everything, we're owed a total of {$880.00} + {$6.00} - {$0.00} = {$880.00}. 

We have repeatedly reached out to Citizens Bank in the past regarding this issue but unfortunately our efforts have not been met with a resolution yet. We have sent them our row-by-row analysis and cross-reference of our escrow account 's transactions, along with our properties ' public payment history records from our local Department of Finance website . We are hoping that filing this CFPB complaint can help us resolve this issue. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize.However I felt it wise to send a letter, opting out of any and all consent to all the companies in the following attachments. As a result, Transunion needs to remove all inquires in the following attachments from my credit report immediately.
Product: Checking or savings account

I've been scammed by a fake online company " XXXX '' who offered drop-shipping service. I've disputed this information with numerous evidence & correspondence from previous dates it occurred. CHIME did not reward me in the dispute at the end of their investigation. Although the bank has failed to follow the Uniform Commercial Code. I've lost about {$30000.00} USD in the process.
Product: Vehicle loan or lease

On XXXX XXXX I signed to a 42 month loan with Heritage acceptance corporation out of XXXX Indiana. I signed to 21.70 % apr, a 42 month loan, after 2 years and 6 months of payments I've added my monthly payment of $ XXXX. Why has heritage added another 8 months of payments to my loan without my Permission and without my knowing? I've asked them since XX/XX/2017 to send an itemized statement, I've asked XXXX, XXXX, and XXXX. I've still not received a statement of any kind I just get told if I don't pay the monthly amount they'll repo the vehicle. Now with them adding almost another {$2000.00} on my loan at this rate they could have anyone pay {$500000.00} for an XXXX XXXX with XXXX miles! Total violation of my rights and truly a breach of contract! But what can I do, they've got the title so i guess they can add whatever to your loan and you better pay it on top of the high interest rate or you'll just be out {$8700.00}!!!! 
Since the beginning of the loan i was placed on biweekly payments when I showed them I receive social security supplemental income payable the first of every month so they've had me paying biweekly and keep saying I'm behind although I never have received a statement in 30 months of a XXXX  month loan! I can not believe this place is allowed to still do loans!
Product: Credit reporting or other personal consumer reports

There is a debt that was put on my Experian report XXXX  years after i moved with no attempt to contact me. The original debt is from XXXX XXXX XXXX. Union flats owned by XXXX knew how to contact me because they sent my XXXX document to me. On multiple occasions I've reached out to the collector regarding this issue many time with proof that i didnt owe this and received no help. Ive sent the correct documents to Experian to correct this debt on my report and I keep getting from them that the debt is true and correct. This is messing with my report keeping me from being approved for an apartment and the debt collector says that's what its intended to do the debt shows potential payments and I moved with the agreement of the management the corporate manager as well as my housing worker. The only thing I would have owed for is the carpet and that because I couldn't clean it I agreed that it would be taken out of my deposit as it states in the lease, which I never received back from them. Also I'm being charged for electric for the time i did not live there. I lived there for XXXX XXXX years and there was nothing wrong with the walls so I'm not responsible for the painting. Here are the documents I sent Experian and the debt collectors which is XXXX XXXX XXXX  as the collection agency.
Product: Payday loan, title loan, or personal loan

I have a title loan with the OneMain Financial branch located in XXXX Texas. The loan has typically been paid through ACH debit initiated by XXXX. On XX/XX/2022, while reviewing my bank account, I discovered that XXXX had taken a second ACH Debit from my account in the amount of {$550.00}. I immediately reached out to XXXX XXXX where my account is located. XXXX XXXX was able to see the fraudulent ACH Debit and noticed that the debit was made in the name of XXXX XXXX XXXX whom I do not know. The only way to stop XXXX from making further fraudulent debits was to close my checking account of more than 30 years and open a new one. This has led to countless hours setting up the connections with all of the other vendors I use. I reached out to XXXX on Saturday, XX/XX/2022 but the support line was unwilling to help as the branch was closed. I finally was able to connect to a representative at the branch named XXXX XXXX in order to get them to reverse the fraudulent ACH Debit. 
He has refused to help reverse the ACH debit unless I show them a screenshot of my bank account with all of my information on it and the current balance. This has been now been going on for several days and XXXX XXXX refuses to give me contact information for anyone other than himself. I am stuck and they still have my stolen {$550.00}
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 XXXX 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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 5 inquiries I did not consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX Gmc. 
XXXX XXXX XXXX XXXX XXXX, I test drove a XXXX XXXX, yesterday at the XXXX XXXX XXXX, Ga XXXX location at XXXXXX/XX/XXXX. Then I did the process and procedure on financing a car. It wasn't a XXXX XXXX on the seat, when I test drove the car. But after I was approved there was. I have pictures of the XXXX XXXX on the seat. XXXX XXXX XXXX salesperson XX/XX/2020 ). I talked to the head manager. He stated A manager in his position at XXXX XX/XX/XXXX. I told him about the XXXX XXXX on my driver seat. He told, me that the crew, that did the last inspections. Had to leave it in there after they took the agreement off the window, stating if I bring the car back. He would personally take the XXXX XXXX out of the car. I tried to go over his head, ( Tue, XX/XX/2020 XXXX XXXX XXXX XXXX, but that was the headquarters. In buying a car there is an agreement, and I feel that my agreement was broken on XX/XX/2020. Due to the fact that the staff knew, I had finished my paper work, and placed the XXXX XXXX in the car as a XXXX trap to harm me or the car. ( Paper work XXXX XXXXXX/XX/XXXX completed. /Address/ XXXX XXXX XXXX XXXX XXXX, Ga XXXX ). I contacted the GM finance department, and the person I talked to gave me a case number. And told me what department she was in and her position. I have pictures of text messages and the XXXX XXXX in my car. ( Case Number or Service Request Number XXXX XXXX. Call me ( customer experience manager ) At XXXXXX/XX/XXXX the woman 's phone hung up on me. She called me back at XXXX, her position was ( Customer Service Representative GM ). The woman told me she would give me a call back in one week and she never did. 
P.S. ( By state law in Georgia, I have 3 days to file a complaint ). 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such instructions.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Checking or savings account

I tried to withdraw {$700.00} from my bank account and the ATM only gave my {$540.00} but receipt still says that I took out {$700.00}.
Product: Debt collection

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the legal right to request validation of any debt that is reported by a collection agency. I have not received any documentation verifying this debt, and as such, I formally request that you provide me with a copy of the original contract, evidence of the debt 's assignment to your agency, and a full payment history. If you are unable to provide this documentation to substantiate the debt, you are required to remove this collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information inaccurately on my credit report affecting my opportunities for work and credit.
Product: Credit reporting or other personal consumer reports

I never had an account with the company and they are reporting as me having late payments and it being charged off. I requested information about the issue and it is still being reported.
Product: Credit reporting or other personal consumer reports

After a fraudulent charge XXXX closed my accounts until I logged in and proved through identifying questions that I was the credit holder which I did and relinked my bank for autopay. My bank XXXX XXXX made timely payments which XXXX then reversed and returned to my bank. I immediately called to fix the problem which I was assured was indeed fixed however even after a XXXX call my accounts are marked as unpaid and late causing a significant drop in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XX/XX/year> MOHELA XXXX XXXX XXXX XXXX, MO XXXX Dear MOHELA Loan Servicing Team, I am writing to request an immediate update and correction to my student loan account. I have received IRS Forms XXXX which confirm the discharge of my student loan obligations totaling {$14000.00} across XXXX loans. However, my MOHELA account remains inaccurately reported, as the loans are still reflected on my consumer credit reports, and I am continuing to receive incorrect billing statements. 
Account Information Borrower Name : XXXX XXXX Total Loan Amount : {$14000.00} ( XXXX Loans ) Discharge Evidence : Copy B of XXXX attached Request for Action XXXX. Account Update : Please update my MOHELA account to reflect the loan discharge and confirm a {$0.00} balance. 
XXXX XXXX XXXX XXXX XXXX Notify all credit reporting agencies ( XXXX, XXXX XXXX XXXX XXXX to remove any negative or active entries associated with these XXXX loans. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to these XXXX loans. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form XXXX ( Cancellation of Debt ) These documents clearly establish that my loans have been XXXX in compliance with applicable federal and contractual guidelines. 
Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You XXXX contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies to ensure compliance with federal laws regarding loan discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, Without Recourse XXXX XXXX Enclosures : Copy of XXXX
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, 
and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Credit reporting ageny is incorrectly an account that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It HAS been thirty days, and I have received no proof of validation of this account. This goes against my rights under the FCRA. I have never had any contact with this business. I never received any documentation for the said debt from " XXXX XXXX ''. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! I asked for documentation XX/XX/XXXX and have not recieved anything as of XX/XX/XXXX. This company re reported to CRAs on XX/XX/XXXX YET DIDNT PROVIDE ME PROOF OF VALIDITY BEFORE IT WAS RE REPORTED! I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

PLEASE REMOVE TRADE FROM ALL CRAs ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I HAVE SUBMITTED INFORMATION CONCERNING MY CONSUMER REPORTS TO THE 3 MAJOR CRA 'S AND NOTHING HAS CHANGED AND ITS A VIOLATION OF FCRA. PLEASE ADVISE
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

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

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted dispute to you more than 30 days ago and I have not received a response you were required by law by law to do so. Please investigate my disputes. Please thank you.
Product: Checking or savings account

Four months ago, I called Truist bank to request the closure of my account # XXXX and after XXXX minutes waiting and XXXX other minutes from the agent trying to keep my account open he finally gave up and told me that he was going to process my request and send me a check for the {$8.00} left positive on my balance. 

This apparently never happened and a few days ago I got a letter saying that I owed {$41.00} to the bank and on the letter they even tried to scare me saying that they may report the account closure to the reporting agencies. 

So they not only ignored my recorded call/request to close my account, but also took my {$8.00} balance and charged me fees on top of fees mounting to {$41.00}. 

This illegal and deceptive practice should be investigated and this institution penalized for acting this way.