23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 late payments on my credit reports due to incorrect reporting. The late pays are for XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 120 plus days late. I have been trying in vain to have these updated and  removed to no avail. On XX/XX/XXXX I had a live chat with a NELNET representative who looked into my complaint. He agreed that there is an error ... he stated there was an error. The late pays should not be on my record. I was told previously that they would update from their end ( Nelnet ) but nothing has been done. I have filed claims with all three credit bureaus but to this day nothing  has been removed. 
I have a copy of the transcript. These lates have prevented me from getting a car and finding a different apartment. they are causing a lot of problems for me. Please help!
Product: Debt collection

I don't recall opening a loan for either XXXX XXXX XXXX or Monterey Lending. I believe it was fraudulently opened when I lost my wallet.
Product: Credit card

My card has been fraudulently charged over {$14000.00}. American Express is refusing to reverse the fraudulent charges. Under Federal Law I am not responsible for fraudulent transactions on my credit card.
Product: Mortgage

My husband and I had our primary home mortgage through Citizens Bank with automatic payments including our escrow with taxes and home insurance. We refinanced on XX/XX/XXXX and the loan was paid off to Citizens. There was an extra monthly payment submitted in XXXX which has been returned to us since. 
The escrow money has not been returned to us. When we called Citizens they told us the amount is XXXX XXXX My husband called on XXXX and was told the check will be resent. Our address has not changed and the extra monthly payment did find its way to us at the address they have in the system. I called again on XXXX because we hadn't gotten the check and Citizens confirmed that the check hadn't been cashed. They promised to send it overnight. I called again on XX/XX/XXXX because we still haven't gotten the check or any other communication from Citizens and I was told I would be called by the end of the day once they figured out if the check was Fedex-ed to us. I was not called or emailed. 

Our loan number was XXXX. Meanwhile, we can't log on to the online portal because the loan has been paid off and the account deactivated. 

Please help us get our money back as it is a significant amount and it has been close to 3 months.
Product: Checking or savings account

My card was stolen XX/XX/2022. Pnc accepted some responsibility for certain claims but not other transactions which were at the same exact time.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Filed initial dispute with TransUnion and included bank record showing payment to the account # XXXX. 

XX/XX/XXXX Received dispute results that verified the account as accurate. 

XX/XX/XXXX Sent letter to TransUnion to file a repeat dispute. 

XX/XX/XXXX Received letter from TU saying the information disputed was not currently on my credit report. 

XX/XX/XXXX Talked to a supervisor in TU 's dispute unit named XXXX or XXXX. He explained the dispute process as a matter of sending a code to the creditor organization together with my documentation and getting their response. I asked him if he exercised any independent judgement about the veracity of my claims and documents. He was vague in his response although he agreed that bank documents were important. The problem is there is no real investigation by a neutral party. They merely take the word of the XXXX XXXX which in my case is the culprit by their negligence in not posting my payment to the correct account.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I have reached out directly to XXXX XXXX XXXX and the consumer reporting agencies via certified mail to disputed inaccurate information being reported on my XXXX and Experian consumer reports.. I allowed the furnisher 30 days which is the time frame allow by law to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents Account number # XXXX. 
Account number # XXXX
Product: Mortgage

i purchased my home in XXXX, received my supplemental tax notice from XXXX county in the mail on XX/XX/XXXX i paid them on XX/XX/XXXX with a cashiers check for the total amoubt for both supplemental taxes totaling {$2300.00}, mailed certified mail directly to XXXX county treasure-tax collector.then around XXXX around the XXXX i received a letter from XXXX XXXX XXXXXXXX, that i have not paid my supplemental taxes, i faxed over a letter informing them i paid them and if they had any questions to contact XXXX county tax collectors and included their phone number, they never contacted me again, my mortage payment was XXXX and some change, about 4 months ago it jumped up to {$1800.00}, i immediattely contacted them, they told me it was because of property taxes, it was not i spoke to numerous employees of XXXX XXXX XXXXXXXX which none had an answer other than they did not know, i continue to pay my payments but they have been late due to the amounts, i e mailed them around 20 times till finally i received an e mail saying was the sub-servicer of your loan on behalf XXXX XXXX XXXXXXXX and that they mailed me a letter on XX/XX/XXXX stating i didnt pay my supplemental taxes and they began to pay my supplemental taxes that is why my mortage payments went up, yet i paid them in full and sent fotos of cashier check and certified mail receipt and the supplemental tac forms from XXXX county, that i paid on XXXX XXXX, they do not return my emails anymore or my calls i am frustrated need help, the person they gave me the phone number to is XXXX XXXX XXXX extension XXXX she does not answer or return my calls they have caused me financial struggles in other areas, please help, thank you, sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX balance {$600.00} date opened XX/XX/XXXX XXXX XXXX balance {$50.00} date opened XX/XX/XXXX XXXX XXXX - XXXX XXXX {$890.00} date opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX, XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am a good XXXX and just graduated from XXXX School and started my first year of university. I have a long way to go and I lack much financial knowledge very financially incompetent. I was trying to pay for my school by XXXX XXXX. A scammer took advantage of my situation and scammed me by giving me a fraudulent check. I know this happens more often, but I am a VICTIM. And now I feel that Ive been taken advantage by JPMorgan Chase ( Chase ) and XXXX XXXX XXXX XXXX ( XXXX ). When the bad check was deposited into my Chase account, it was on hold as should be, to validate that the other financial institution ( XXXX ) had funds. So when the check cleared BOTH FEDERALLY INSURED banks were responsible. However, Chase took money back a week later and left my account overdrawn and put the blame on me. Chase should've escalated and fixed it with XXXX - not blame me. Now they want me to be sole VICTIM in this situation. Is this how they treat our future Americans? 

Hiding appropriate disclosures, not being clear and leaving me to hang. I have no money now to pay for school or gas or food. 


Chase and XXXX should individually or together reimburse for my loss, as they are federally insured. Dont let the consumer be the victim again. A police complaint was filed on XX/XX/19 ... .. XXXX check - Post date XX/XX/2019 Check # XXXXCheck amount {$2700.00} Account # XXXXRouting # XXXX
Product: Mortgage

**We are current Wells Fargo Mortgage Customers -Received mailer from Wells Fargo offering a pre-lim refi offer of 3.25 % -Called Wells Fargo, provided my wife and I 's credit info estimates and was offered a monthly payment {$2400.00} at 3.125 % interest. I was told was with closing costs and taxes/insurance in escrow just as our current mortgage exists with them.

-Agreed to proceed with credit application to confirm interest rate and process application.

-After processing the credit app the banker advised me she did not include my MUD taxes in the estimate prior to the credit app and that the new monthly would be approximately {$2800.00}. The interest rates were approved with the credit app at the amount she quoted.

I would not have filled out a credit application had she advised me this information initially. Both my wife and I took a credit hit across all 3 bureaus because she failed provide an adequate estimate. She had all of my information for my current mortgage and even advised me that once I started that application online that she would fill out the current mortgage information for me as she had it available and in front of her, which she did. Had she provided the correct quote initially we would not have chosen to take the credit inquiry against our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Checking or savings account

A check in the amount of {$1400.00} payable to myself sent from a prior employer was intercepted in transit by an account holder at Wells Fargo Bank under routing number XXXX. The check was deposited into an account at Wells Fargo on XX/XX/2018 after forging my signature. Wells Fargo was served with a Fraud Statement of Claim on XX/XX/2018, attached, requesting a return of these funds and has not returned them as of this date.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I write to address the unresolved issue regarding my filed complaint regarding the negative accounts on my credit report.
Product: Checking or savings account

Unfortant I do not recall the exact date of lose and can not retrieve the date due to the bank forcefully closing my account. 

The day of the incident I was at the ATM depositing cash XXXX to be exact While I depost the money in the atm the time ran out and ended up " eating ''/ taking my money the full XXXX in cash There were no atrm numbers to call around the bank branch or atm and it was on a weekend when the banks were closed, therefore I had to wait to the next opened business day on Monday of XXXX 

Once I explained what happend the branch manager denied my claim yet she checked the atm for overflow of cash and checked the atm for my debt card. ' She said she found my debt card in the machine, and XXXX $ She retuned my card to me and said the XXXX $ could belong to anyone of their customers ' Overlooking the fact that I'm a customer that the overflow of money belonged to.. ' After weeks of going bqck in forth and contacting cust serv. etc. and nobody claiming the overflow she found off XXXX $ They eventually gave me the XXXX $ However there is still XXXX $ no accounted for and the Bank XXXX XXXX XXXX XXXX XXXX  ) shortly after forcefully closed my account. And I have not been able to alocate my XXXX $
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED THIS COMPANY MULTIPLE TIMES TO RESOLVE THIS DEBT. THIS DEBT SHOULD BE PAID OFF IN FULL!!! WHY IS IT STILL ON MY REPORT.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt- out. This is against both Federal law ( XXXX XXXXt ) and New York State law ( New York General Business Law 899-aa ). Lack of Consent : I told XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( TILA ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates TILA and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Product: Debt collection

I have an account with XXXX on collection who show still open on my credit report. My debt was paid in full to the company and do n't realize that the account was still showing open with a balance and the company never closed the account and sell this to a collection agency.
Product: Credit card

On XXXX of XXXX, my auto-draft function did not go through by no fault of my own. I spoke with someone at the time who called to collect, I explained the situation, she informed me that it had already reported delinquent. I escalated the issue, created a ticket, spoke with someone in IT whos acknowledged error. However, they insisted that I was legitimately late. I disputed the negative report twice ( I believe ) with the bureaus, and Regions claimed no error occurred and I continued to be reported as late. Today, XX/XX/XXXX, I received a letter from Regions Bank with a check for {$41.00} and an explanation that between XXXX, they have determined that their recurring payment system did not work as expected and failed to make a payment to my card as I have requested on one/more than one occasion. I paid dearly for this error as it hindered my ability to refinance my mortgage at a time of divorce and I have more than paid an unfair price for credit due to the near XXXX points dropped in my credit score. I just checked my report today and it STILL reflects 30 days late despite their acknowledgement of their fault. I want it fixed on my credit immediately and I want paid more than the {$41.00} they think they owe me for denying my dispute on more than one occasion then claiming responsibility 6 years later.