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

This is not my account. This account belongs to my XXXX  year old mother. It is marked as undesignated as I never agreed to co-sign. 

XXXX XXXX XXXX  XXXX XXXX Credit Card | Reported on XX/XX/XXXX Balance {$3200.00} Limit {$3000.00} Past due {$650.00} Account utilization : 109 % | Limit exceeded CONTACT INFO XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated Times 30/60/90 Days Late XXXX Term Duration Months 0
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX, Transunion and XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, Transunion and XXXX, for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date of Charge Off : XX/XX/year> TRANSUNION Date of Charge Off : XX/XX/year> XXXX Date of Charge Off : XX/XX/year> XXXX
Product: Credit card or prepaid card

To whom in may concern, Thank you for taking the time to help me out with this matter. 

This case concerns Citibank/Citi.com 's unwillingness to assist me with a dispute they incorrectly filed and closed. 

I called Citi to get some help filing a dispute because their website was glitching. One of Citi 's representatives filed the case incorrectly, and no proof was submitted. I called multiple times in XXXX, and multiple agents repeatedly told me that a correction would be made and I would have a chance to submit supporting documents, and the dispute team would contact me. But to my surprise, the case was closed. 

After contacting them multiple times, again, and submitting all the proof, they re-opened the case. But today, on XX/XX/2023, Citi closed the case with incorrect info, saying I've received the full refund already when I clearly haven't. The image " Citi Denied '' should show how Citi 's statement about me receiving the full refund is incorrect ; it even shows that on the PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST LETTER MAILED CERTIFIED MAIL XX/XX/XXXX, XXXX TO EQUIFAX AND ALSO TO XXXX XXXX XXXX XX/XX/2023. XXXX XXXX XXXX HAS NOT PROVIDED ANY DOCUMENTATION OF VERIFICATION OF PROOF OF ORIGINAL DOCUMENTS WITH MY SIGNATURE. EQUIFAX SENT LETTER STATING THAT THE DEBT HAS BEEN VERIFIED WITH NO ORIGINAL documentation PROVING THAT. 

Please be advised this is my SECOND WRITTEN REQUEST The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX? Can they be trusted?
Product: Mortgage

Withdrew my loan after it was in underwriting, it was done after I told The mortgage broker that I needed an answer or I was going to contact another lender
Product: Mortgage

Urgent Request Please Rush for a Credit Reporting Correction for Loan # XXXX Good Afternoon my name is XXXX XXXX   from XXXX XXXX XXXX, XXXX XXXX NJ XXXX. Last four of my SS # XXXX  DOB XX/XX/XXXX I have been trying to get a refinance done since the month on XX/XX/XXXX on the above property which is my primary residence. In the month of XX/XX/XXXX, there was a miss payment made on the account on XX/XX/XXXX and then taken out of my account as a miss payment reversal on the XX/XX/XXXX. I went into my account to make my payment and not know because of the miss payment. I thought I was making the payment for XX/XX/XXXXbut in fact it was for XX/XX/XXXX. I was never notified of a reversed payment on my account and I continued making my payment as normal thing it was on time. On in the month of XX/XX/XXXX I get a mortgage verification stating that I have been 30 days late for the last 3-months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not to mention in the month of XX/XX/XXXX my Loan officer told me not to worry about the payments because they would be included in my payoff. Failing to tell me that if I do not close I still have to make the payments. ( Email from loan officer is attached too. I have owned this house since XX/XX/XXXX, I have not ever paid my mortgage 30 days late, I selected to do my refinance with Freedom Mortgage since you are my lender and I thought it would be faster and easier rather then going with another lender that dose not have my information. I need to finish the refinance so that I can continue the funeral arrangements for my deceased veteran mom. I have been through so much misleading information and delays with Freedom and the Loan officer that has no idea what he is doing. Every week was something new and I had to jump through hurtles to get this done and still all this time and money on appraisal wasted and nothing to show for it. Attached is the report. I really need your help with removing these 30 day lates off of my credit so I can just move on, at this point I can not even finish this refinance with no one. This is not fair that I must pay for someone mistakes please I beg you, I just want to finish this process and move on. Today I called in XXXX to XXXX and spoke to the Rep XXXX ID # XXXX  he was nice and told me about the miss applied reverse payment for 1 and half hours. I told me I need some type of resolution and that I would have to fax or email my request in writing to the credit department for a review. Till this day I have never even received a courtesy call from my old loan officers manager or anything. Loan Officer : XXXX XXXX Loan Advisor NMLS # XXXX  Freedom Mortgage Corporation XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX   ext. XXXX Fax : XXXX Direct : XXXX Email XXXX Please I need a resolution to this, so my credit is not suffering I am not sure what to do. Thank you, XXXX XXXX
Product: Checking or savings account

I received a notice today via my Chime app as it logged me out that my account was closed. I have received no true and valid information on why my account was closed after a direct deposit in which I consistently receive was made. I disputed an atm charge from XX/XX/2021 in which chime closed in XXXX days without reaching out to the atm merchant to open a dispute on my behalf to see what actually happen with the transaction. Other banks would never. They would file a dispute and investigate the dispute. I thought disputes take any where from XXXX days. Many of the people working customer service is very difficult to understand their speaking as they have foreign accents and then consistently they have no one to speak to as they advise you to email them and the email department for them is horrible. Lack of compassion for their customers, as well as lack of solid information for customers when they have an issue. That online bank needs to be investigated and closed as they await for people 's deposits to come in and then they decide to close the account therefore holding the customers money for an amount of time before the customers can access their hard owned funds. Its inconsiderate and a inconvenience to the customer in which they don't care. Then as I have spoken to other customers of Chime they have stated that they have had the same issue with the company. Chime.
Product: Checking or savings account

On XX/XX/XXXX I received a text message that appeared to come from Chase Bank asking if I recognized a transaction via zelle. As I had not used XXXX recently I replied NO and then immediately received a phone call from the chase bank number on the back of my debit card. The man on the other end stated that there had been two attempted fraud transactions on my account and that he would help me reverse them. He walked me through my last few transactions and verified that they were correct ( he had my bank info obviously ) he then said that in order to reverse the charges I would need to send a wire transfer and a zelle transfer to myself to reverse. He had answers for all of my questions and all of my info so I had no reason not to trust him. He had me send a {$900.00} XXXX to a phone number that was provided via text from the original chase number that sent the fraud-check text, then he had me send a wire transfer for {$1900.00}. Here are the transactions on my account history, they even had me use my name with XXXX so it looks like I sent the money to myself but I did not : ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX A/C : XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$1900.00} Pending XXXX PAYMENT TO XXXX XXXX XXXX debit - {$900.00} XXXX immediately contacted Chase regarding the fraud and they opened a claim but have now closed it saying they have completed the investigation and the transactions were authorized. I filed a police report and a report with the FTC. Chase appears unwilling to work with me or credit any of my money back despite the scammers being clearly involved with Chase somehow as they were sending text messages and calling from the chase number and had full access to my account history. I really need that money back as it was my rent and tuition money for XXXX. 

I am attaching the police report I filed as well as the screenshots of the text and phone calls I received. Also worth noting is that I was on hold for 2 hours before chase even began discussing the issue with me and I had to call from another line to get them to take my call finally. So far they have just told me to send secure messages which they then take days to respond to and have now closed my claim without resolution.
Product: Money transfer, virtual currency, or money service

I sent a wire of {$30000.00} on XXXX the account that the money was wired to supposedly full and could not receive any more funds so the account holder at XXXX XXXX XXXX  told me to contact my bank and do a wire transfer. I did so. My bank Capital One tells me that I need to contact the recipient and have them release the funds. The account holder at XXXX XXXX XXXX  already told me the released the funds, so no idea what is causing the delay of me receiving my refund.
Product: Credit card

The account was closed and the debt was charged off; requested the company to provide XXXX. The company did not response. The 1st contact attempt was sent out on XX/XX/year> and 2nd request is sent out on XX/XX/year>.
Product: Debt collection

I grt a call from a person named XXXX who works at Harley Davidson Financial. He calls me almost 5 times a week and I have proof on my phone bill that shows and states this. I have asked him numerous times when he calls to stop calling me numerous times and he still continues to call me on my personal cell phone number that is listed. This is unacceptable and I will not tolerate this abuse. I have reported him to Harley Davidson customer service and they have not done anything about this. If this continues to happen this will leave me no option but to file with an attorney in my local town and sue Harley Davidson and this guy XXXX for unfair practice and harassing and calling when I have stated numerous times to stop calling me I dont know who you are
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS ALL THE PROOF THEY NEED TO REMOVE THIS FRAUD ACCOUNT FRO MY PERSONAL CREDIT FILE AND STILL THEY REFUSE TO REMOVE IT. I HAVE PRODUCED POLICE REPORT, FTC REPORT, COURT DOCUMENTS, ARREST REPORT AND STILL ITS ON MY CREDIT FILE. THE ADDRESS UNDER THIS ACCOUNT IS FRAUD AND ACTUALLY THE ADDRESS IS DOCUMENTED IN SOUTH CAROLINA WITH THE XXXX XXXX AND ATTORNEY GENERALS OFFICE AS A BLACK MARKET ADDRESS BECAUSE ITS A PARKING DECK IN DOWNTOWN XXXX AND SO MANY PEOPLES IDENTITY IS USED TO RECEIVE STOLEN CAR LOANS. XXXX KNOWS THIS AND IVE SHOWN PROOF AND STILL NO REMOVAL OF THIS LOAN. THE GENTLEMAN WHO WAS CHARGED WITH BUYING A TRUCK IN MY NAME USING PNC BANK IS ACTUALLY A PNC BANK OFFICIAL. SO PNC BANK IS PROTECTING HIM BECAUSE OF LEGAL ISSUES. ALL I WANT IS THIS ACCOUNT TO BE REMOVED AND BLOCKED LIKE IT IS ON XXXX AND XXXX. PLEASE REMOVE OF LEGAL ISSUES WILL COME. IM A XXXX XXXX XXXX AND IVE NEVER SEEN A BANK OR CREDIT BUREAU BEING SO WRONG AND BREAKING THE FEDERAL CREDIT GUIDELINES. I ASKED THE BANK SEVERAL YEARS BANK TO PROVE THIS LOAN WAS MINE AND THESE NEVER RECEIVED ANYTHING! XXXX YEARS AGO THERE WAS ANOTHER LOAN THAT PNC BANK GAVE TO SOMEONE AND USED THE SAME ADDRESS OF XXXX XXXX XXXX XXXX SC XXXX AND XXXX AND PNC BANK REMOVED THE ACCOUNT AND BLOCKED THE ADDRESS AS FRAUD BUT NOW THEY REPORT IT AGAIN ON MY CREDIT FILE. XXXX XXXX YEARS AGO VERIFIED XXXX XXXX XXXX WAS A FRAUD ADDRESS AND BLOCKED IT ON MY PERSONAL CREDIT FILE BUT NOW THEY REPORT IT BECUASE THE BANK SAYS IT CORRECT WHEN ITS ACTUALLY NOT. XXXX IS PROTECTING THE BANK VS THE CONSUMER AND IVE HAD A XXXX BECAUSE OF THIS AND LEGAL ISSUE WILL COME IF NOT REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt 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. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Mortgage

XXXX, XX/XX/XXXX Re : CFPB Complaint # XXXX Loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : I am not required to provide you with all my personal banking information. Please provide proof of such a requirement. 

XXXX XXXX your statement does not make it fact. The two pages of my statement provide all and sufficient data required for proof of payment. Admitting you are wrong is very difficult. 

XXXX XXXX provide substantiating data that show in XXXX of XXXX an actual need to increase our mortgage payment. 

XXXX XXXX if such proof is not provided, I request the CFPB rightly find you personally and Planet Home Lending , LLC in violation of the terms of my mortgage agreement. XXXX XXXX and Planet Home Lending , LLC must be held accountable to the highest degree of the laws. 

Empirical data proves that Planet Home Lending , LLC has a history of misrepresenting the truth, changing the monthly loan payment without ANY substantiating data and then falsely reporting to credit reporting agencies. 

Logically one would try to contact Planet Home Lending , LLC about the above mentioned issues but there is not customer service and a point of contact is never available and furthermore never is there a return call. 

Planet Home Lending , LLC is a predatory lender ; it is not conducting business in an honest and above-board fashion. They are lying to suit their purpose. I have provided sufficient, legal data to show proof of loan payment. These data are sufficient in all legal matters. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've repaired credit score to XXXX. Applied for department store card who uses same ( XXXX ), and paid off credit debts, yet U still got my Application Denied!! Filing a Federal Lawsuit against U,, XX/XX/2019. Truly yours, XXXX XXXX
Product: Credit card or prepaid card

The company is Care Credit/Synchrony bank card ... ..They purposely hold transactions in pending status so that they can charge you fees and report your balance being over the limit... 
This company will drop your credit limit... I did know companies can do that ..... 
Report the decreased credit limit to the credit bureau... .This puts you at a high utilization rate and then your scores drop. 

synchrony bank has a lot of unfair and questionable business practices... 

You pay 2 times a month on your credit card and it does not go toward your future payment .... 

they are raping minorities in fees and getting richer .... 
This is totally unfair ..... 
My balance on my card on XX/XX/XXXX was XXXX... .I paid XXXX on XX/XX/XXXX... next thing I found out Care credit/Snychrony bank reported my balance at XXXX which brought my score down 25 points ....
Product: Debt collection

on XX/XX/2021 Convergent sent me a letter saying that I owe an alleged debt of {$460.00} and I have no clue who they are, apparently it is from XXXX but again I have no clue of this alleged debt and no one let me know that my information is being passed from company to company without my consent.
Product: Vehicle loan or lease

In XX/XX/XXXX Wells Fargo and I came to a resolution about fees and charges on my loan. I paid the amount requested and assumed that we were all XXXX out. The company sent me a refund check .I was fine until XX/XX/XXXX at which time {$25.00} late fees and and a {$12.00} fee started to accumulate again. I paid my loan in a branch on the XXXX  of each month and the bank agree that all principle and Interest payments were made on time. I began again the long road of trying to call and get answers as to why the fees?

calling from a branch with a banker. Being on hold for hours. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received letters with promises to resolve my issues in a timely matter. After no resolution I requested the attorney General assistance. It looked promising when I spoke to XXXX. he listened, but never called me back as promised. Then a lady named XXXX   called ( ext. XXXX ) To say she had gotten the case and had to review all information She never listened and again never resolved the issue. I again called the Attorney General and he told me to contact you and the Secretary of the State.

This is having a negative affect on my credit score. Stopping me from buying a vehicle I need and a home I need. I am a XXXX   veteran and it is time to have a one story home and easier vehicle for transport.

I have overpaid the account by {$830.00} and do not have a clear title. I know daily they add interest, fees and charges.Please I need your assistance, as soon as possible.