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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  To whom it may concern, XXXX I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

XXXX account # 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
Product: Debt collection

There is no way a cable company will allow anyone to watch {$600.00} + dollars worth of cable with it being disconnected. I do not owe them anything.
Product: Debt collection

I received a summons for this account without any previous communication from them. In addition on the very same day they filed suit they mailed a settlement letter giving XXXX  days to settle. The letter was back dated but the post mark clearly shows it was mailed the same day as they filed their lawsuit so they had no intention in honoring their settlement offer or allowing the XXXX  days to settle or negotiate.In addition I have tried to contact this so called company on multiple occasions only to be told only XXXX agents are handling this account and the XXXX agents are never available and will return my call but they never do. 
This company is using underhanded tactics and have committed multiple FDCPA violations.i will be asking for the lawsuit to be dismissed and for Arbitration per the terms and conditions of the contract that governs this account.
Product: Checking or savings account

To Whom it may concern, The complaint is regarding the Citi bank product related to Saving account. 

Summary : Opened the saving account with the promotion of {$300.00} deposited after maintaining certain cash balances for period of time, which I maintained based on the company guideline. After multiple attempts and conversation with Citi bank Rep. they could not deposited the promotion fund ( {$300.00} ) in my account and wasn't able to assurance that it will be deposited in a timely manner. In summary it appears that the promotion is just used to capture the customer 's attention and obligation to provide the promotion balance is not taken seriously. 

I would like your help to resolve this issue and help other customers who is facing this kind of similar issue. 

Thank you CFBP for the support. 

Communication timeline : XXXX. XXXX : XXXX. XX/XX/2022 : Reported the issue with Citi Bank XXXX. XX/XX/2022 : Supervisor : XXXX Manager XXXX XXXX
Product: Checking or savings account

From XX/XX/XXXX - XX/XX/XXXX Unauthorized change of address submitted to my custodial account. 

I did not notice the unauthorized change of address until I moved and logged into my online banking to change to my new address on XX/XX/XXXX. 

I contacted bank on XX/XX/XXXX & XX/XX/XXXX The unauthorized address that was on my custodial account, is the address of my child 's father who I was never married to and have never shared any accounts with. The address has never been associated with my name. 

I have a active XXXX order under Indiana codes IC 34-26-5, IC 34-26-5-9 My child on the custodial bank account has a current case entry into the Department of State CPIAP program. This case entry is because father is a XXXX XXXX XXXXXXXX, which is documented in court proceedings. 

I need to know how this address got on my account. The bank has no record of address change from the time period XXXX. 
I am requesting further investigation into any and all deleted data on that account. All recorded bank phone calls for that account in that time period of address change. And any IP address that has logged into my online banking. Any data on bank locations visited, other than my local banks I frequently go to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  : {$260000.00}
Product: Mortgage

SPS has confirmed my investor is not XXXX, f/k/a XXXX ( is Trustee only ) however was vague as who is my actual investor on my mortgage Trust XXXX Mortgage Pass Through Certificates, Series XXXX is the owner of the account letter went on to say loan ownership status may change from time to time? please clarify SPS has been servicing loan since XX/XX/XXXX and should know who the current investor is as of XX/XX/XXXX. 
As the investor is whom denied my KYHC because it was over XXXX by less than XXXX XXXX dollars. 
I am sure SPS with removing some servicing fees would have met the XXXX limit to except Keep Your Home California. 
I have a right to know whom the 1. investor is as of XXXX XXXX XXXX copy of all assignments to make sure SEC guidelines were met XX/XX/XXXX-to XX/XX/XXXX. 
3. A complete breakdown of all transactions including insurance, fees, legal cost, and copy of mailing/shipping receipt I have been charged on my account
Product: Checking or savings account

I was charged a monthly service fee of {$14.00} even though I used my card 10 times the month of XX/XX/XXXX. I have uploaded the screenshots that prove Wells Fargo is stealing out of my account every month. You can clearly see that the card was used 11 times this month. And take note that this is still XX/XX/XXXX but the screenshots says Its already XX/XX/19. That is the undeniable truth that Wells Fargo is stealing out of my account under the guise of a monthly service fee. Wells Fargo does this to my account every month. Im tired of Wells Fargo stealing out of my account. Just letting you know that if I use my card 10 times a month I shouldnt be charged a service fee. Thats the problem. Even though I use my card 10 times a month to avoid the monthly service fee Wells Fargo still steals it out of my account regardless of if I used it 10 times or not.
Product: Credit card or prepaid card

On XX/XX/2022, a family member got access to my Macy 's credit card app via my phone while unlocked, requested that my card be closed via supposedly chat, next day I notice my account was closed, called early in morning to report it to Macy 's as a mistake and tried explained and demanding they reopen my Macy 's card due to it being without permission or authorization. Got the runaround and was told flat up can't reopen it. I've read reviews that yes indeed it can be opened by similar customers of Macy 's online. I sent a XXXX  complaint but prefer to make a complaint here since I am fed up with Macy 's and I've been a great customers always paying on time. the Macy 's credit card was a XXXX All I ask is to reopen my card as it was before and will make sure in the future this doesn't happe again by locking my app or online activity.
Product: Mortgage

The issue is with Private Mortgage Insurance ( PMI ) charged during Loan Payoff. PMI was charged for the whole month. After refinancing my mortgage loan, although I closed on XXXX of the month and lender charged PMI fro the whole month
Product: Debt collection

A number that appears as " XXXX '' on my caller ID calls my office from XXXX to XXXX every day, 6-8 times daily. XXXX says its Synchrony Bank. This number claims to be needing to discuss a personal matter with me. After repeatedly telling them to not contact me on a business line, if its a legitimate issue, they still continue to call repeatedly. 

Attached are a couple of screenshots of calls in the last day.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, TransUnion sent me a letter yesterday XX/XX/XXXX, stating that all the accounts I questioned about on my credit profile are verified as accurate, when I know 100 percent, they do not belong to me. After trying to get a copy of my credit report from their website, I noticed that I am unable to get this. Not the first time this has happened. I chose the option to speak with someone from chat to find out why I couldn't see my report. Come to find out, the operator XXXX informed me, that my son and i have mixed credit profiles. I have told TransUnion this many times before, and they have continued to tell me everything is accurate and verified! Never have they did the investigation that was asked of them, never provided any information on how these items have been verified, and 100 percent lied to about the question items on my credit report. My son and I both have the same first and last name, and same birth month. Which easily explains how they could have gotten combined and mixed up. All I ever asked was for them to correct this and remove these items. I have attached the conversation from this morning with TransUnion rep XXXX. He made the mistake of admitting that my son and I have combined profiles and deleted the part that he said that was the reason I can't access my profile. I asked about it a few times and also says that if I call in, TransUnion will remove the mixed files. Simple enough! I want to make sure they get removed by posting this here. I don't mean to get XXXX in trouble but I cant continue to have my credit destroyed because of TransUnion. 


Before I escalate this even further, please remove the following accounts and hard inquiries from my credit report IMMEDIATELY! Send me an updated credit report with these items removed. 

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 XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on my home XX/XX/2020 and moved in about 30 days later. After several weeks I started taking notice of a lot of big problems that were not disclosed. The bank and the appraiser committed fraud. I have leaking cast iron pipes which are leaking gross water into the partial basement, they are XXXX XXXX XXXX and the plumber said they were stopped up with rotting pipes. There is always water in the basement, Green, white, and black mold and mold inside the house and on the hardwoods. There is structural damage on the outside of the house, someone had replaced the windows in the basement with plexiglass and placed a strip of wood to hold it in. ( I discovered this after I was robbed ), termite damage rampant, roof leaks which have turned to ceiling damage. I was told this had been repaired but no. I do have pictures to enclose.
Product: Mortgage

We had a mortgage back from XXXX to XXXX when we tried to do a modification and wells Fargo kept putting us off we had a FHA loan and should have been able to save our home but they foreclosed on us, I feel we where treated very unfair did all the paper work months before to try and solve this issue, I was constantly checking with them on the status and kept having them say it would be looked into never was, Months after we had to move I kept contacting them and only after they knew we had left they told me i was able to have a modification they even went so far as telling me somebody there at wells Fargo drop the ball and it was their fault., They also told me at that time if anybody ever has a FHA loan you atomically can do a modification. We lost our home due to Wells Fargo misleading information and for not being proactive on the modification, I would like for this to be looked into,
Product: Vehicle loan or lease

I traded a car that was financed thru Truist on XX/XX/XXXX. I'd purchased XXXX  XXXX  at the time I purchased the vehicle. I reached out to Truist to obtain a status on my XXXX refund and they told me they'd sent a refund to me on XX/XX/XXXX. They sent the check to an address that was never on my loan. I've resided at the same address since that car was purchased XX/XX/XXXX, and they have not explained why the check was sent to another address. They told me they could not stop payment on that check or reissue because they were going thru a system conversion and could not give a date when they'd send out a new check. I've called every week since and I keep getting the same story. I've asked to speak with leadership and to date no one has called me back and my check has not been processed as of this past XXXX  XX/XX/XXXX when I last called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX kept the Postal Money order tendered for Accord and Satisfaction of the Account ending in # XXXX. Postal Money Order # XXXX sent via Certified Mail # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Product: Credit reporting or other personal consumer reports

have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX XXXX XXXX  I Account Number : XXXX XXXX Name : XXXX  Account Number : 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 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 paid off this loan on XX/XX/year>. They have failed to report this loan as being paid off which has continued to damage my credit score. Due to this I was unable to get medical loans because I owed to much. This was over XXXX that was paid to them. I have called multiple times asking for my paid off letter and other information so I could dispute this but they have failed to give me that. Numerous supervisors have given me information saying it was reported as closed and paid off. I also never received any letter saying it was paid off and the account was closed. They are causing me financial damage everyday of this being reported on my account. Every time I call they give me a different date it was reported and the last supervisor stated to me she could not give me anything in writing saying it was paid off. This company is SHADY
Product: Credit reporting or other personal consumer reports

Incorrect Late Payment Reporting and for student loan deferment I am filing this compliant because my student loan account has been reported incorrectly on my credit report. 

The account shows a late payment for XX/XX/year>, even though my loan was in deferment. 

This error negatively impact my credit score. 

I have disputed this issue with XXXX, Equifax and XXXX to request correction to my credit report.
Product: Student loan

I completed my XXXX XX/XX/2008. Since my 10 years For loan forgiveness is coming up I submitted some Documentation from hr supporting the length Of time I had worked as a XXXX. 
I got a reply from the dept of ed stating my loans did n't Qualify. I began looking for a better loan rate Because navient said I could n't lower my rate. 
I was about to refinance my loan with a private company with a lower apr Then navient gave me the number to the dep of ed When I called the dept of ed, they walked me through the application and lowered My monthly payment. I called navient back and the y told me that per dept of ed rules I have To wait ten more years for loan forgiveness. I explained That if I knew I had to apply to qualify I would have done it immediately after graduating They said that it was the dept of ed rules and sorry. They are freezing my payments while my loan forgiveness application is pending. 
Approx 2 months. It seems that they deliberately did not tell me about applying for The loan forgiveness until I was about to transfer my loans from navient to a private lender. 
I do n't feel I sgould have to wait more than ten years for loan forgiveness. They also advised me to take a foreberance on two occasions. I feel taken advantage of and deceived by navient
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I 'm writing today to report issues with   XXXX   accounts negatively reporting on my transunion and  XXXX  credit reports. As well as a number of hard inquiries that were not authorized by me. I have submitted several request to both company 's to investigate these accounts and inquiries. I requested proof in the form of a signed agreement however in both cases my request were ignored. Their responses were that the investigation results were confirmed providing no information or documentation of proof to verify their claims.     The company  's I s ubmitted investigation request to were    XXXX    and Transunion.     For accounts being reported by  XXXX   XXXX   XXXX  and   XXXX   XXXX   XXXX .      The  XXXX   XXXX   XXXX  account reflects that I owe a  XXXX  balance however it states that I hav e 11 miss ed payments and that I am 140 days past due. This unverified information is severely hurting my chances of obtaining a mortgage and is wreaking havoc on my financial reputation.       XXXX   XXXX   XXXX   on the other hand is n't reporting any payment history at all however it is reporting a charged off balance in the amount of {$1000.00}.     I have disputed these debts a number of times however I 've gotten the same out come each time with no proof. I honestly just want it to be over. Attached are copies of the certified mail receipts of the documents I 've sent over the past 9 months or so to no avail.
Product: Credit card or prepaid card

Citi bank. I was impacted by COVID throughout the year and was able to get a forbearance on two months earlier in the year, resumed my payments afterwards but then was out of work during the small portion of the end of the year until recently in XX/XX/2021. I tried asking for assistance with the payments to be lowered but instead, my minimum payment raised and I was flagged on my credit report for one missing payment after they refused to do anything about my situation.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

received a call from one of XXXX XXXX employee about an old account that I had with them the gentle went on to identify his self an offered me a settle which I accepted then he goes on to ask for my debit card information to pay settle which I verbal gave over phone then he then goes up to say that XXXX XXXX will notify each credit bureau to removed the account from my credit report I have been dealing with XXXX XXXX since may trying to get them to honor what they employee offered me also have emailed the ceo several times which the matter still has yet to be resolved I also ask them to go back an pull the recording since all calls or recorder and monitor still no luck