23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My initial complaint was on XX/XX/21 ( XXXX ). I have a HELOC with US Bank. This HELOC is tied to a court case that has been going on for almost 15 years. I have been in constant contact with US Bank, but it is so hard to talk to someone at HELOC department. The balance is approx. $ XXXX. I talked to a senior mortgage person ( Ms. XXXX XXXX in Texas ). In XXXX I got the first installment from Defendant for {$48000.00} which I immediately deposited to my HELOC account ( A/C # XXXX ). 
There she kept saying : Our conversation is on recorded line! I wanted to know what will be the balance of my HELOC after this payment and she said {$170000.00}. and she continues if you pay the interest of {$740.00} the balance will be current and it is {$170000.00}. I did deposit {$740.00} the next day. Now that I am refinancing my first mortgage and HELOC, they are calculating a crazy amount of INTEREST ( over {$2.00} XXXX! ). She also promised to correct the wrong reporting to the credit bureaus! ( 11 times ). I am a XXXX-year-old mother with XXXX XXXX struggling to keep my home which I have been living in for the past 25 years. I will be so happy to just get rid of US Bank. They are terrible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report. As a victim of identity theft due to a recent data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent accounts permanently removed from my credit file. 
The accounts that I am disputing as fraudulent and request to be deleted are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom this may concern, this is my final notice informing the credit reporting agencies that they are reporting INACCURATE/ FRAUDULENT & INCOMPLETE accounts on my consumer report. 
This practice is unfair and its causing me financial woes. Please delete those accounts immediately.
Product: Mortgage

MetLife Home Loans XXXX, after soliciting my mother on numerous occasions, on XX/XX/XXXX, coaxed her into signing a fraudulent Closed End HECM loan, without any prior counseling or legal representation. The HECM loan was FHA insured and was written for $ XXXX. The loan paid off the $ XXXX balance of her mortgage, charged her over $ XXXX in closing costs and gave her a mere $ XXXX. 
My mother passed away in XXXX and I am the current title holder on her home. The HECM loan has ballooned to upwards of $ XXXX, an extremely unfair amount and I am seeking a fair resolution as soon as possible. 
My mother who was XXXX years old at that time, had over $ XXXX of equity in her home. She acquired the equity from making a large down payment when she purchased the home. She had a balance of approx. $ XXXX left to pay off her mortgage and her monthly mortgage premiums were very low at approx. {$800.00} per month. She was the widow of a XXXX XXXX XXXX XXXX veteran and was receiving Veterans Benefits and Social Security Retirement Benefits. She had ample health coverage through XXXX and XXXX XXXX. She did not need, nor did she seek out a reversed mortgage. She did not need to sign over her house for the mere $ XXXX they gave her. She had many other options that she did not know about and were not told to her.
Product: Credit reporting or other personal consumer reports

I am sending to dispute late payment entries that appear on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The report indicates that late payments were made on these accounts. However, I have reviewed my records and can confirm that all payments were made on time. I am requesting that the late payment markings on these accounts be updated to reflect my accurate payment history. 
If there is any confusion or if additional information is required to resolve this issue, I suggest you contact me directly or reach out to the customer service department
Product: Bank account or service

Starting XXXX XXXX, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of XXXX XXXX and XXXX XXXX, I incurred a total of XXXX overdraft charges at $ XXXX/piece for a total of {$310.00}. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. 
Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn. 
On XXXX XXXX, 2016 I met with XXXX XXXX, a representative with Rabobank at the XXXX XXXX, CA branch. I asked that she provide me with all the documents I signed or initialed associated with the account ( s ) in question. She could NOT provide me with any documentation where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. XXXX XXXX could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. 
During my visit with XXXX XXXX, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. XXXX XXXX assured me that she did make the appropriate changes as requested. 
On XXXX XXXX, 2016 I incurred another overdraft charge of {$35.00} as a result of the aforementioned " issue ''. The changes I requested were obviously not made. 

At this point I have incurred a total of XXXX overdraft fees at $ XXXX/ea. for a total of {$350.00}. I am requesting that all XXXX of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.
Product: Credit reporting or other personal consumer reports

IMMEDIATELY REMOVE un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IMMEDIATELY REMOVE tradelines XXXX XXXX XXXX  Account:
XXXX

XXXX XXXX XXXX
Account: XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX  Account:
XXXX


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

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card

Timely payments have always been a priority for me concerning this account, preventing any instances of overdue payments. I find it perplexing to discover reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, rectifications are necessary.
Product: Debt collection

Called portfolio recovery in regards to a debt. I had an XXXX XXXX credit card which was opened on XX/XX/XXXX, XXXX Credit card had a credit limit of XXXX. However, this company reported that I owe XXXX. The writer offered to pay the XXXX in which the credit card was worth. However, they want me to pay more.
Product: Credit card or prepaid card

I incurred a charge of {$17000.00} that was due XX/XX/2023. Previously, I checked my statement on line. ( B of A doesn't send statements in the mail if you have paid online ) .My online statement prior to the due date showed the {$17000.00} balance with a minimum payment of {$170.00} option. On XX/XX/XXXX, I went online and scheduled a {$17000.00} payment from my checking account to be withdrawn on XX/XX/XXXX. My bank notified me via e-mail that the payment went through. Bank of America then withdrew from my checking account an additional {$17000.00} putting my account in the red. This has happened previously. I called Bank of America. They do not acknowledge any error on their part. They say they will investigate and refund the XXXX in 10 days. On their website they do not make clear how you can opt to pay a partial payment or complete payment or that they will take the entire balance. I asked how I should go about paying since I have no problems with other credit companies like XXXX where I pay my monthly statement online, specifying the amount and the date of payment to be withdrawn from my bank account without problem. They have no suggestions other than pay over the phone or by check, but then, as I mentioned, they don't send statements through the mail. I told the employee that this was a great financial inconvenience and could the refund be expedited, but that was impossible. I believe this is a very abusive non-customer practice. They should give alternatives or tips on how to avoid this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company and XXXX  about the mistake. After I disputed done collection account 's. When they decided my dispute was not worth removing the 6 plus year old Accounts they came back on my name as JUST OPENED
Product: Credit reporting

In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.
Product: Money transfer, virtual currency, or money service

This is regarding the transaction made in XXXX XXXX ( XXXX ) using Capital One Venture VISA credit card ( issued in US ). Both Capital One and VISA confirms that actual currency exchange rate would be calculated when transaction is posted on account. Its not when transaction was made. 

Here are the specific details related to transaction. 

1 ) Transaction posted Date in Statement - XX/XX/2019 2 ) Bank Fee confirmed by Capital one - 0 % 3 ) Transaction Currency- XXXX XXXX ( XXXX ) 4 ) Credit Card Currency - US Dollar ( USD ) 5 ) Transaction Amount- Rs XXXX Issue - Amount charged by Capital One Venture VISA credit card is XXXX XXXX.This amount is {$160.00} more than actual exchange rate. 

I have done some research on this transaction and here is the proof why foreign exchange rate is inappropriate- 1 ) Upon entering above 5 details on Foreign Exchange Rate Calculator on VISA website, amount charged should be $ XXXX This conversion by Visa is WRONG. ( Attached screenshot for more details ) Web link - https : XXXX 2 )  Upon entering above 5 details on Foreign Exchange Rate Calculator on MASTERCARD website , amount charged should be {$7600.00} This conversion by MASTERCARD is  correct and is very close to exchange rate searched on XXXX. ( Attached screenshot for more details ) Web link - https : XXXX As VISA is using inappropriate currency exchange rate I need to pay around {$160.00} more for single transaction. 

I talked to Capital One and VISA both and they delegate the question to each other and no one is taking the responsibility of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet twice once a couple of years ago and sometime ago, Someone must've gotten hold of all my information and created so many fraudulent accounts, under my name. someone told me about creating an account with XXXX so I can check my credit. when i saw the thing that was on my credit report i quickly made a police report and i also contacted the creditors. Im still waiting on a response from.

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Under Title 15 Chapter XXXX, Convergent Outsourcing Inc is responsible for individual actions Pursuant to FCRA, FDCPA, and TILA. Additionally, they are guilty of copyright infringement and my right to privacy is being violated. I have not ever contracted with or given my consent to contract with this third party company.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( XXXX ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX  and the Account number is XXXX should not still be showing up on my credit report. This account was open XX/XX/XXXX and the date of the last activity showing is XX/XX/XXXX. This account is way of the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

15 U.S 1681 section 602 A. States i have right to privacy.

15 U.S 1681 Section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been stating that Harris Bank has been reporting the same account under two different account numbers. I only had one account. According to Harris ' XX/XX/2023 reply my account had reached the statute of limitations for reporting and they no longer were reporting XXXX account. The account that is now being reported is not my account. I have raised this issue several times to no avail.
Product: Debt collection

I contacted XXXX concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  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 these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX 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 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 TransUnion, XXXX, and XXXX. 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, Transunion, and XXXX 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 Transunion, XXXX, and XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There was a previous company which reported XXXX XXXX on my credit report.. It was proven that the account was not mine, and was removed off of my credit report. Another company is now reporting the same account that was previously proven to not be mine, and Experian refuses to do their job properly and remove it. This account was removed the first time, and now that another company is reporting it how can it be verified as accurate.. I have nothing but problems with Experian doing their job
Product: Credit reporting or other personal consumer reports

I am formally disputing any unsubstantiated or inaccurately documented information contained within my credit report, as stipulated by the FCRA and Metro 2 data field reporting standards. It is imperative to emphasize my inability to acknowledge allegations of delinquency and derogatory remarks without concrete supporting documentation, which is required by both federal and state laws for accurate and complete reporting. Reporting claims that contravene legal standards is inappropriate, and I urge you to ensure the factual and correct reporting of all claims, in accordance with the Metro 2 reporting standard. Furthermore, I kindly request the provision of tangible, verifiable evidence confirming the existence of the account and its permissible use, as mandated by the Metro 2 standard. Should such evidence be unavailable, I respectfully request the removal of said account from my credit report. Additionally, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. Experian has ignored the evidence and is still assessing ownership of this fraudulent account to me.
Product: Credit card or prepaid card

On XX/XX/23, I received a credit card bill from Citi Bank. I do not have a Citi bank credit card. I reported this to Citi bank and they advised there were two credit cards opened with my personal information ( my current address, an old email and used my maiden name ). They closed both accounts and reported them as fraud. 

I further checked my XXXX XXXX account, and found out the same thing had occurred with a XXXX  XXXX XXXX credit card. I also called XXXX  XXXX XXXX and was advised the same thing : that a credit card was opened in my maiden name with my personal information. This account was closed and reported with the company as fraud.