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

I sent this complaint to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA. 

I have no knowledge regarding the circumstances of this theft, and I possess no information concerning any suspects involved. It's crucial to highlight that I did not receive any funds, merchandise, or services as a consequence of this identity theft. Immediate steps are being taken to address this issue and prevent further damage to my credit record. 

Attached are supporting documents, including a copy of my identity theft report and any pertinent affidavits, to aid in the investigation and resolution of this issue. I respectfully urge you to conduct a thorough examination of these fraudulent accounts and promptly eliminate them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I made a cash deposit at a chase atm for {$3700.00}. I put all {$100.00} bills and after my funds were inserted into the atm. The atm issued me a receipt stating my funds will be available next business day. When making a cash deposit funds are available immediately and my account was never credited the {$3700.00} I deposited after my funds were accepted. Immediately I called chase bank and reported the incident. I was told that I will be credited the {$3700.00}. I was never issued the temporary credit that the chase representative promised me. I made a XXXX attempt to recover my funds going inside the same branch making my complaint to a banker. I was then told my claim was denied and to reopen the claim for another investigation. I was told to wait 10 days for another investigation to be completed. It's been 30 days and I haven't got my credit, updates, or any correspondence from the claim.
Product: Credit card or prepaid card

Received letter in the mail stating " After careful consideration, we decided to close your credit card accounts on XX/XX/23 because of unexpected activity on these or another chase account '' I have not used these cards in any unordinary fashion. This notice comes at a complete surprise to me, as I've been regularly making payments on these cards and their balances weren't anywhere close to the limit.
Product: Debt collection

I received a call today XX/XX/XXXX at XXXX AM MTN time from phone number XXXX and the representative identified himself as calling from Commonwealth Financial Systems. I monitor my credit via XXXX XXXX ever week and only have medical debt in collections with companies name that I know, from over 3 years ago and am never contacted by them. All the research I can find on the company are complaints and law suits and accusations of Commonwealth Financial Systems reopening already closed collection accounts to attempt to collect after the reporting period. I am working very hard to pay off my debts and correct my credit but I know I have nothing in their office for collections and I asked them not to contact me again and issued a verbal cease and desist on their " recorded '' line. They then called me again not more than XXXX minutes later after I advised them to never call my phone again and verbally expressed my cease and desist. I have had only XXXX accounts in collections [ ALL MEDICAL ] for the past 2 years and the complaints launched against them put credit scores back months. I am preemptively launching a formal complaint against this company for contacting me after I advised them of cease and desist and I know I have no debt in their office so anything they may try to tack on to my credit reports are false and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX XXXX with GM Financial. In XXXX of XXXX, I sold the vehicle during a trade at a dealership and as such the final payment for the entire balance was paid to GM Financial. Unfortunately, GM Financial reported a late payment to the corresponding credit bureaus which has damaged my credit worthiness with inaccurate information. I spoke with a GM financial customer service representative who indicated that they have no record of a late payment reported to the credit agencies, however this is not the case. I would like to have this adverse information removed from my credit file as it is currently affecting my ability to obtain a mortgage.
Product: Money transfer, virtual currency, or money service

I have had a PayPal account for many years and use it only infrequently for small purchases. I recently sold a surplus item on XXXX for about {$440.00} and the buyer paid via Paypal. That transaction closed successfully but I did not withdraw the funds and intended to " spend '' them on future small transactions. 

This week I sold another item on XXXX for a total of {$890.00} + tax. The buyer paid via PayPal but the transaction remained " pending '' for 2 days. I determined that the buyer had used my personal email account for the payment and that email address is not linked to my PayPal account. I added my personal email account and the payment completed within the hour. 

PayPal then immediately and permanently locked my account so that funds are not accessible and I am no longer permitted to use PayPal. I have made repeated attempts to find out why this was done or at least explain the circumstances leading to this but PayPal has only responded that my account is locked and their policy is not to disclose why. 

I'm told that PayPal will hold the funds in my account for 180 days and then contact me to tell me if the funds can be withdrawn. 

I was able to initiate a refund to my buyer but I'm concerned at PayPal 's ability to do this without warning or explanation. XXXX searches have revealed that this is not uncommon and other PayPal users have been similarly stonewalled.
Product: Mortgage

I have had a reverse mortgage for about eight years. On XX/XX/XXXX, I received a Repayment Letter about my home from Novad/HUD. It appears that there is an ERROR. After reading it many times, they are trying to repossess my home. They included a phone number to XXXX for ask questions. I have called this number 5 times sitting on hold anywhere from three hours to one hour, XX/XX/XXXX, XXXX and XXXX, XXXXThe people there have no information to help even with the case number. It appears to be a huge answering service that just sends messages to Novad agents and they have 5 days to respond. The letter says to send them {$180000.00} total due and payable. HUD had no reasons they could give me as to why. I gathered records to show that I have paid the insurance annually and the taxes just like always. The house is kept up nicely and these are the only reasons to terminate my reverse mortgage. I am to live in my house until my death with no house payments. Although I did spend two nights in the hospital over this stress, I am very much alive. Can someone please help me? No one has returned my calls,
Product: Credit reporting or other personal consumer reports

I have mailed several disputes to Experian. XXXX and XXXX requesting that my personal information be updated to my correct mailable address ONLY and to delete all old addresses where I can no longer receive mail. I have provided proof of my current mailing address by submitting a current utility statement at the time of the dispute along with my Driver 's License which shows my correct mailing address and Social Security Card. It appears Experian, XXXX, and XXXX are aware of the current mailing address, per their responses shown on the documents enclosed, however the address have not been updated on my report as specially Experian report number XXXX, ( see attached ) There are several items that did not appear on the previous reports that were deleted, that have now been reinserted to my Experian report.
Product: Student loan

I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, PROFESSIONAL CREDIT ANALYTS added a derogatory on my credit per XXXX. Upon further research this account was transferred/ sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, PROFESSIONAL CREDIT ANALYTS has violated my rights and I'm requesting legal action to remove account immediately.
Product: Mortgage

Got this mortgage on XX/XX/2006 have paid more than XXXX and the balance is more than the actual amount barrow which was XXXX I now owe around XXXX please help me
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXXXXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

XXXX. XXXX*CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. 

XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and XXXXinancial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect 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
Product: Checking or savings account

I opened a TD Bank checking account in XXXX of XXXX because a XXXX XXXX XXXX XXXX told me that I needed an account with a bank that had a physical location to set up automatic payments. 
My sister sent me some money for me to pay for the insurance. The amount on the account was {$140.00} dollars. My sister, XXXX XXXX, also has an account with the bank. 

Shortly after opening the account, I called the bank because I was unable to log into the app. A phone representative disclosed that my account had been closed due to fraudulent activity, which she didn't explain. Had i not called, I would not have known about this serious accusation. She instructed me to go to a branch to speak with someone in person. I did so and still didn't get an explanation, but the female representative stated that they mailed a check with the funds on XX/XX/XXXX. I responded that I didn't receive the check. She said to check back in in a week. I called the bank today, XX/XX/XXXX. The XXXX  XXXX  told me that they will Not issue another check until after XXXX  days. 

I really need my funds. This bank closed my account without interviewing me or conducting an investigation. Now, they are kidnapping my funds. This is very unjust and upsetting. I don't know how this is legal. 

Please help me. I am struggling financially.
Product: Mortgage

PNC Bank took over the servicing of my loan. I was required to set up new online information, which I did on XX/XX/XXXX. All login, password, pin and security question/answer information were noted and filed. On XX/XX/XXXX attempted to login and was told my information was incorrect. Called PNC Bank Mortgage and was told my account was locked. With PNC representative on the line I went through the process to reset my information. After completing I continued to get an error message saying the reset was not working and to call PNC customer service ( of which I was on the line with ). She then told me my only remedy was to send a new pin in the mail which would take 3-5 business days. Then I would have to start from the beginning with this process. In addition, I asked for my latest statement ( of which I was trying to access online ) and was told they could only physically mail it or charge me {$15.00} to fax! Just a total fee grab. Email or texting was not an option which is absurd in addition to the fact the customer service team ( whose number appeared in the error message! ) could not even solve my issue and their only solution was to physically send me a code to reset my information and start all over. Now I sit waiting 3-5 days to access my information. PNC Bank Servicing my loan has been terrible.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Send letters didnt respond back
Product: Credit reporting or other personal consumer reports

I am writing to file this complaint because on XX/XX/year>, I mailed a notice of dispute to XXXX in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of XXXX days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Product: Mortgage

Dear Representative, Have requested Mortgage Servicer to correct mailing address several times during the year. Missing monthly statements. Also, requested information on modification.
Product: Credit card

I opened the BOA credit card in XXXX. At the time the rate was fixed at 6.9 %. My husband was added to the card and was on active duty from XXXX but that should not have affected my fixed interest rate from XXXX. I understand that a military benefit was added to the card during that time but it was not to reduce the rate. We added it to avoid international exchange rates while living outside XXXX XXXX XXXX. The rate should not have increased when that was removed. Please adjust the rate back to 6.9 % fixed and refund the remainder of the excess interest charges from XXXX to the present.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently examined my credit report and I realized that there are some accounts that are reporting on my credit file that are incorrect. These false accounts are not mine and I have no information on these accounts. I have no idea how someone could have access to my credit report and now due to this, I have no opportunity to acquire new credit. Please perform a reinvestigation into this matter and have these derogatory accounts taken off from my credit file
Product: Credit reporting or other personal consumer reports

I am writing to formally address the impact of the XXXX and XXXX data breaches on my credit profile. As a victim of these breaches, I have experienced significant distress and disruption in my financial life, leading to unauthorized and fraudulent remarks on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), I would like to bring to your attention that I am entitled to the removal of all fraudulent remarks from my credit profile. Given that these fraudulent entries have arisen due to the data breaches, it is imperative that they be expunged to reflect the true state of my credit history accurately. The FCRA stipulates that credit reporting agencies must not report any information that is a result of identity theft or fraudulent activity, and my situation clearly falls under this provision. 

Moreover, I would like to reference FCRA Section 605 ( b ) ( e ), which specifies that upon receipt of my request, the credit reporting agency has a defined 4 day time frame to complete the investigation into the fraudulent remarks. I expect a thorough investigation within the stipulated time limit, as failure to do so would not only violate my rights but also exacerbate the negative impact on my creditworthiness. 

The presence of fraudulent remarks on my credit profile can lead to severe consequences, including denial of credit applications, increased interest rates, and a tarnished reputation among lenders. Such repercussions could hinder my ability to secure housing, employment, and other essential services, further emphasizing the urgency of resolving this matter. 

I kindly request your immediate attention to this issue and the removal of all fraudulent remarks from my credit profile as mandated by the FCRA. 

Thank you for your cooperation. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a bank account with Wells Fargo in XXXX, took out a credit card but never paid back what I owed.Now on XXXX I decided to pay what I owed to try to reopen my account and could n't because I have a bad report now I need help to finding out what I need to clear everything to be able to reopen my account with Wells Fargo.
Product: Mortgage

I have spent 40+ hrs with PennyMac escrow team working to get updated tax payment amounts, interim tax payments, and updated assessment from the county. I have sent them documents from the county, created XXXX spreadsheets with all the relevant information, and spent hours on the phone with their reps. 

Multiple times I have given explicit payment instructions and they have just ignored them. Depending who answers the phone they could be average help or completely incompetent at their job. 

I explicitly told them I would like a tax payment made in XXXX when it is due. They went ahead and paid it in XXXX. I called the day after the payment was made to have it cancelled and returned. The rep only put a note in to pay in XXXX with no action item to have the payment returned as I requested. 

I spoke to a manager once and was able to get a lot of these issues fixed, he was at least able to make changes immediately. Otherwise every response is I have to put a ticket in and it will take x business days to complete. Unfortunately, the phone number he gave went out of service and every time I called and asked for him he ignored my call and never reached out. When I said the extension did not work they blew me off again saying that was the correct number. 

I can't even begin to describe how frustrating it is to have a company hold so much of your money and have zero control. Not only that trying to work with them to create a plan is useless because they just ignore the instructions.