23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a account that is over 90 days never been overdrawn but made Mobile deposit it does not state its going to be weeks for funds to be available I would say for a XXXX check from a rental company at least 24 to 48 hours but it should state that when making a mobile deposit I mobile deposit on XXXX XXXX in the afternoon I figured it would be available on XXXX XXXX or at least by the XXXX The money is still being held today is XXXX XXXX I tried talking with them and been told in the beginning that my branch placed ahold on it call my branch to get it removed I did go to my branch and basically treated like I was not intelligent and they dont have to do nothing I tried again through the XXXX XXXX number this is Key bank today I tried to get my funds again the Bank which the company uses stated that the check had been cleared on XXXX XXXX during my conversation today with Key bank Supervisor I was told it was fraud that placed a freeze on my deposit I now know why I was treated like a thief which I dont know how to do or ever would I am a single parent and do need my money to buy groceries and keep my electricity from being disconnected Definitely Extremely Hurt and Disappointed at Key Bank
Product: Credit reporting or other personal consumer reports

Approximately three years ago, my life took a drastic turn when XXXX XXXX  initiated unauthorized withdrawals from my bank account for an unknown upgrade, which later turned out to be a scam. Despite my repeated warnings and pleas to cease these transactions, XXXX XXXX  continued to withdraw funds from my account without my consent. 

The ramifications of this unfathomable breach of trust have been devastating. I have incurred a loss of {$14000.00} due to these unauthorized transactions, plunging me into a financial abyss from which I am struggling to emerge. What exacerbates the situation is the interconnected nature of my other XXXX XXXX, which facilitated further unauthorized withdrawals. 

I vehemently refused to bear the burden of a scam I had no involvement with, yet the consequences have been dire. My once XXXX  credit score of XXXX has plummeted to a mere XXXX, rendering me virtually ineligible for any form of financial assistance or stability. The repercussions of this ordeal have been far-reaching, threatening my very livelihood and pushing me perilously close to homelessness. 

While XXXX XXXX  has acknowledged their erroneous actions after discovering the scam, the damage inflicted upon me remains irreparable. Despite their admission of fault, I have yet to witness any tangible efforts towards restitution or resolution. 

I implore you to intervene urgently and decisively in rectifying this egregious injustice. I seek not only the recovery of the stolen funds but also the restoration of my tarnished credit and financial stability. Time is of the essence, as the weight of this ordeal grows heavier with each passing day. 

I beseech you to consider the profound ramifications of inaction and to expedite the necessary measures to alleviate my plight. Your prompt attention to this matter is paramount, as it holds the key to salvaging what little remains of my shattered life. 


Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX  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 alleged fraud or extortion 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: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

I opened a {$6400.00} loan with Upstart in XX/XX/XXXX. All monthly payments ( {$190.00} ) were timely for the life of the loan. In XX/XX/XXXX, I sent a check for a payoff that their site gave me. They posted it on XX/XX/XXXX. I found out months later that I owed {$28.00} and they reported me., I have not received any emailed statements or mailed statements from Upstart. After I found out about this extra amount owed, Upstart stated that they added my monthly payment separately from the payoff! This is deceitful- a payoff should include any payment and interest so it is then closed. They said they emailed me and called me about the {$28.00}, however, according to what their site gave me in reference to a payoff, I paid off the loan!! I did not take any phone calls from unknown numbers and there NO voicemails left for me otherwise I would have played them. They did send emails but they also sent MULTIPLE marketing emails for new business, i mean multiple, which I Ignored. I did see some payment reminder emails which I got every month. However it did not say I owed {$28.00}, it said I owed {$190.00} for my regular payment. I did not! I assumed my loan was paid off. These emails were automatic so this is very deceiving to me. They even included the current date for the {$190.00} after I paid the loan off and again this is wrong. Once I finally received a collection letter in the mail, I was furious! My credit it now ruined for {$28.00}! I contacted them many times and they said by law they have to report anything late. Ok so they did. They also have the right to take that negative mark off of my report if they choose to. They did not. They absolutely refused to help a good client. I am in the finance industry and we try to assist good customers because sometimes things dont always go as planned. My point is, regardless of their said phone calls and emails- would I really purposely destroy my credit for {$28.00}??? No! I had an perfect record with them paying {$190.00} monthly and its disgusting that they will not consider that. For {$28.00}?? Thats pocket money. I did not do this willfully. Why would I? I think a good business could sometimes forgo the red tape and assist a good client. I also dont appreciate the deceptive payment emails, lack of statements and lack of voicemails. I am requesting that Upstart will remove this derogatory mark off of my credit report.
Product: Debt collection

Midlands Credit Management, is acting on a 3rd party which company is paid in full. They tried to take me to court and didn't happened but they put it on my credit
Product: Mortgage

Original mortgage joint loan and joint ownership. One party XXXX XXXX XXXX. Mortgage company was notified and sent copy of death certificate. I was advised no need to refinance because I was already on the loan. Invoice had the XXXX person listed on it and I requested this changed to my name. They refused. Today I received an escrow check made out to the person that XXXX instead of myself. I have been making the mortgage payments, not the person who XXXX
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we specified the correct accounts?
Product: Checking or savings account

On XXXX XXXX  I went to XXXX XXXX and used my cash app card to purchase shampoo with trying to maintain XXXX dollars cash back cash app took the XXXX from my account but the merchant provided them with documentation that they dont have my money cash app has then been no help retrieving my funds
Product: Checking or savings account

I have a Certificate of Deposit with Marcus by Goldman Sachs that matured on XX/XX/2024. I had established instructions for them to transfer the amount when closing to an account on XXXX XXXX XXXX XXXX XXXX. I was able to establish the external account access within the Marcus platform. The money was never transferred according to my instructions, nor was I notified that it had not been transferred according to my established instructions. I submitted a complaint about this to CFPB on XX/XX/2024, and the company has yet to respond. 

On XX/XX/XXXX, Goldman Sachs and I had a three-way call with a representative of XXXX XXXX XXXX XXXX XXXX to confirm that the receiving account was indeed mine. Goldman Sachs was able to confirm that and then claimed the money would be transferred. As of today, XX/XX/XXXX, the money has yet to be transferred to that account. I reached out to a Goldman Sachs agent online sometime around XX/XX/XXXX, and they told me that once more I would have to call and repeat the process already done on XX/XX/XXXX. 

Once more this company has failed to follow my instructions for withdrawal and they are holding onto and continuing to profit from about {$11000.00} of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has hard inquiries on my consumer credit file in violation of the law. I filed a complaint with the CFPB and Equifax did not address my complaint at all. Their response was vague and did not provide their next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00}. 

In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file : 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX and Transunion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in XXXX XXXX XXXX XXXX  less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Debt collection

I closed my account with XXXX and received my final bill from bill period XX/XX/XXXX - XX/XX/XXXX for {$650.00}. I didn't pay because that amount didn't make sense. It turns out that they were charging me for unreturned equipment. XXXX sends an auto email when they receive your equipment and I had received one so I forwarded them that email. After that, I received another bill from XXXX which they adjusted the amount to {$100.00}. I paid that bill back in XX/XX/XXXX. Until this day, I am still receiving collection letters. The first one was for {$460.00} and the 4 or 5 letters after that was for {$69.00}.
Product: Vehicle loan or lease

I purchased the vehicle on XX/XX/XXXX. First payment was due and paid on XX/XX/XXXX. The payments were to be below {$350.00}, and I made that quite clear. It totaled {$460.00}, which caused me to miss my rent payment for the first time in 8 years. The same happened XX/XX/XXXX and and again XX/XX/XXXX, that's when I asked to lower the payments and accept {$400.00}, which is all that I had. They're charging me {$15000.00} for a 2008 XXXX XXXX. Monthly payments of {$380.00} for 42 months. The original price was {$9900.00} at 23 percent. I wanted to volunteerly surrender the vehicle. I haven't heard from them except for the payment date in which the customer service representative was very rude and suggested that I better get them the money one way or another, and said " go and borrow it from a friend or family member. Also, I pay my own insurance and they want to also charge me an extra {$80.00} for their personal insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore Fifth Third could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, XXXX Bank took over XXXX, This became almost a game. XXXX told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. 
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how FifthThird and XXXX could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.
Product: Credit reporting

I have been unable to obtain a copy of my report. I attempted to do so online XXXX and they said that I answered XXXX the security questions incorrectly. I tried again and it locked me out. I never obtained a copy of my Experian report. I tried ordering it by phone instead. Now I have received a letter telling me that I have already gotten my report for the year. I do n't know what to do to make sure that someone has n't stolen my identity, since apparently some information on my account is incorrect. XXXX sent me a report that had a couple of errors in identification information. Please let me know what I should do. Thanks.
Product: Credit reporting or other personal consumer reports

I XXXX noticed unauthorized inquiries on my report, someone applied for something in my name. I am aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. 

Wells Fargo XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting

Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
Product: Debt collection

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : Creditor Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Unknown Collection Agency : XXXX XXXX Original Amount : {$250.00} Date Paid : XX/XX/year> Reference Number : XXXX Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Experian : 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  Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX   Experian : XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX   XXXX : XXXX  Experian : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX  Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Experian manipulated my credit scorXXXX down XXXX points. For the next couple days I made multiple calls with no help or resolution from Experian. I then called freecreditreport.com to get a credit report sent as Experian was not help in identifying why my credit score change so drastically with no indication of any negative reported. XXXX and XXXX got my credit report to me via US Mail promptly. I still see nothing to change my credit report as Experian did. I have yet to hear back after over three months about getting my credit report from Experian in the mail. I then complained via CFPB XXXX and XXXX. I then sent a letter to Experian asking for my credit report once again XX/XX/XXXX. I have found no answer and no credit report. I have called at least two dozen times but Experian has not be willing to send a credit report or even say why they have not. On XX/XX/XXXX Experian again manipulated my credit score down by XXXX points. I complained again via CFPB XXXX on XX/XX/XXXX. I have called Experian three times in the past week. Twice the Experian representative said they transfer me to a mysterious department to get a credit report sent and then they hung up on me. The other time the Experian representative said they would elevate the issue but I have not heard anything back from Experian for over a week. I have went above and beyond requesting a credit report in every why Experian claims to request one. Experian is in violation of the Fair Credit Reporting Act when they have not provided a credit report or even attempted to provide feedback as to why they have refused to provide one after Experian and only Experian has decreased my credit score. Even the people at FICO have said they have nothing negative on their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this incorrect debt for months and, the verification of this debt has been malicious and false, I have been contacted by XXXX XXXX, they sent documents of the debt trying to verify this debt is mine, and the documents they sent has no signature and I want them to provide my signature verifying the debt is mine,
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account XXXX is not reporting on my Transunion report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both XXXXXXXX XXXX and also Transunion