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

dear cb indigo, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXXXXXX  with See Tickets *XXXX  in XXXX XXXX , CA , amounting to {$1400.00}, on XX/XX/XXXXXXXX  with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXXXXXX  with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( See Tickets *XXXX  ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank. 

Citi Bank responded to my original complaint with a letter that they were going to take care of it. It has now been 3 weeks. My account is currently past due, and I am being asked to settle a substantial minimum balance to bring it up to date. Despite being informed of fraudulent charges being removed three weeks ago, they have not been removed, resulting in my account being in the red due to the delayed resolution process and my credit being ruined. 
According to previous communications, I was assured that I wouldn't be obligated to make any payments until the fraudulent charges were resolved. However, nearly SIX MONTHS after the occurrence of these charges, they remain on my account unresolved. This situation has left me hesitant to proceed with the payment, as the promised resolution has not been fulfilled.
Product: Mortgage

I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of me.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I took out 2 payday loans, one from Bright Lending and one from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 674.96 % APR and 674. 99 % APR for each respectively. Also, these two different companies are both located on the same reservation XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX, so I'm pretty sure this is a scam for tribal payday loans. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. 

Thanks for your help
Product: Credit reporting or other personal consumer reports

I have 2 separate times that money got sent out for XXXX and 2 other transactions for XXXX and 2 different times for XXXX but I did not authorize any of those transactions. These were sent to 2 different people that I am not familiar with. It did not give me an exact date but it said 10 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation on inquires that are not mine sent over 45 days ago XXXX XXXX, XXXX XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

I am writing to express my deep concern regarding a recent transaction on my Costco VISA card. On XX/XX/XXXX, I enrolled in Citi 's Flex Pay program to divide a {$3200.00} purchase from XXXX XXXX XXXX XXXX into five equal monthly payments.

However, I have encountered two significant issues : Premature Withdrawal : The first payment was withdrawn from my linked XXXX account a day earlier than expected. This unexpected withdrawal caused my account to overdraft, resulting in severe financial inconvenience. 

Incorrect Amount Withdrawn : The amount withdrawn was not as anticipated. Instead of the first installment of the {$3200.00} purchase, the entire balance, including the {$3200.00} charge, was withdrawn. This is contrary to the purpose of using Flex Pay to spread out the payment over five months. 

I understand that my XXXX settings are set for " Full Balance. '' However, I assumed that by using Flex Pay for a specific purchase, the system would automatically adjust the payment amount accordingly. 

Additionally, I was charged the Flex Pay fee, which is typically associated with splitting payments. Since the entire balance was withdrawn in the first payment, it is unclear why this fee was applied.
Product: Mortgage

our mortgage company XXXX sold our loan to Nationstar in XXXX ..nationstar is saying that we are behind XXXX payment since XXXX of 2015..when we were with XXXX. I have all my checks and paperwork from XXXX showing all of our payments were made and escrow was sent to Nationstar as of XXXX 2015..I have called Nationstar 13 times they gave me false email accounts. false fax numbers. talk to a manager emailed her proof everything was paid. they will not try to fix the problem or help me out..they just keep saying I am behind a payment. not with them ... .but when I was with Ocwen..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft so I signed up for Experian 's membership to freeze and lock my credit. I was then locked out of my account multiple times and now I have no access to my account. I faxed over all the important documents to get access to my account. My membership case was closed due to the customer service rep mishandling the case. It was then reopened and the same issue happened. The purpose of me starting the case was for the account to be removed and I would then be able to create a NEW account and get access. As of today, I still have no access to my account and each day I am without access, Experian is putting my identity at risk for more potential theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX were provided with police reports regarding me being a victim of fraud. XXXX XXXX XXXX {$4000.00} was removed from XXXX after receiving my credit report and further investigation. XXXX and Experian continue to report this account on my credit report. The Company was also contacted regarding fraud. Nothing has been done to remove this incorrect reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account begging with XXXX has closed my debt with them and no longer service my account. I have confirmation from this company with a balance of XXXX $ has been closed and sold to another lender. I have disputed this with transunion they removed it which I have proof then added it back. That is a violation. Experian and Equifax will not remove the inaccuracy as well.
Product: Checking or savings account

Charles Schwab representative, XXXX in XXXX took my phone call at XXXX in the afternoon on XX/XX/21, This was an emergency call made because {$810.00} were abruptly taken from my account due to a large hack that happened within the bank! Not only did he keep me waiting for over 40 mins, he failed to connect me with a supervisor who could help resolve my situation immediately. And when he finally did, more questions were asked from me rather than offering a credit, proper investigation and a new debit card. 


Currently my account is negative due to their faulty and abusive consumer Malpractices. This is both abusive and against fair consumer practices. I am at a loss for words and a victim of this predatory bank. 

I have more than enough funds to cover my payments for the month and its unfair and abusive that no resolution is being provided to the consumer. 

XXXX XXXX, offered no solutions for me, and placed me in a complete panic asking me more personal details regarding my account, only to tell me she actually did not work for the bank itself and needed to transfer me. 

My account was hacked last week and a new card was issued and they told me my account was part of a wide hack within the bank itself. 

I am at a loss for words and in a panic as this bank has caused me nothing but distress, loss of funds and more panic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 s-2 ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 



( 9 ) DUTY TO PROVIDE NOTICE OF STATUS AS MEDICAL INFORMATION FURNISHER A person whose primary business is providing medical services, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status.

( b ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) IN GENERAL After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall conduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; report the results of the investigation to the consumer reporting agency ; if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian and XXXX for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Experian and XXXX for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete an inaccurate charge-off account from Bank of XXXX XXXX XXXX XXXX XXXX ) with the following details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Despite disputing this account five times and providing evidence that it is inaccurate or unverifiable, Experian and XXXX continue to report this charge-off on my credit reports. It is important to note that XXXX has already deleted this account from my credit report, further demonstrating its inaccuracy. Violations of the Fair Credit Reporting Act ( FCRA ) 1. Section 611 ( a ) ( 1 ) ( A ) : Failure to Verify or Delete Disputed Information According to this section, credit reporting agencies ( CRAs ) are required to investigate disputed items and verify their accuracy within XXXX days. If they can not verify the information, they are obligated to delete it. Experian and XXXX have failed to meet this obligation, as no verifiable evidence has been provided to substantiate this account. XXXX. Section 609 ( a ) ( 1 ) ( A ) : Right to Access Information I requested documentation validating this charge-off, including evidence of its legitimacy and accuracy. Neither Experian nor XXXX has provided the required documentation, further violating my rights under the FCRA. 3. Section 623 ( a ) ( 1 ) ( B ) : Reporting Accurate Information The FCRA mandates that furnishers of information, such as XXXX XXXX XXXXXXXX, ensure that the data they provide is accurate and up-to-date. Since XXXX has already removed this account due to its inaccuracy, Experian and XXXX continued reporting of the account suggests negligence in ensuring the accuracy of the information. XXXX. Negligence and Harm to the Consumer The ongoing reporting of this charge-off has caused significant harm to my credit score and has negatively impacted my ability to obtain credit on favorable terms. This failure to act in compliance with the FCRA represents negligence on the part of Experian and XXXX. Requested Action by the CFPB I am seeking immediate intervention by the CFPB to : XXXX. Direct Experian and XXXX to delete the inaccurate charge-off account from my credit reports. XXXX. Conduct a thorough investigation into Experian and XXXX non-compliance with the FCRA. XXXX. Enforce penalties if necessary to ensure compliance and protect consumer rights. I trust that the CFPB will take the necessary actions to ensure that Experian and XXXX comply with the FCRA and delete this inaccurate account promptly. Thank you for your attention to this matter.
Product: Mortgage

I had a home equity loan. I paid it through my PNC online portal, and it showed the interest and the principle. In XX/XX/ I paid off the amount the online portal said remained on the loan. The balance said XXXX. 

In XXXX I received an email saying that I'd missed a payment on the loan. I called and was told I owed {$67.00} in interest remaining and that I could pay it online. This was untrue. There was no place online where this interest showed up, and the account balance for the home equity loan showed as XXXX. 

I was told I was also being charged for closing the home equity account. But I WAS NOT closing the account, I just paid off the remaining loan. 

I was then told I needed to go to a bank. I went to XXXX branches. My main branch apparently closed - no notification. I went to the second branch and they had gotten rid of all the tellers. 

I called again in XXXX and asked them to waive the interest considering the amount of trouble I had gone to pay the interest. I was told instead that ANOTHER fee had been added but that if I paid by check they would waive the extra fee. They said they would put in my request to waive the interest and someone would call or write me back within a few days. No one reached out. 

On XXXX XXXX, I sent a check through my bank to my bank for the interest of {$67.00}. 
I then received another letter saying I owed {$170.00} - interests and fees and another {$50.00} listed as " other fee. '' I don't know what is going on with this bank. They refuse to do anything in writing and only call - and then I have no record of them giving me the wrong information, as has happened both in this situation and in the last situation regarding the credit card ( which, fyi was not resolved. ) I do not want to do things by phone. I want them in writing. 

I have been a member for more than 20 years and never had any problems until the past few years. I don't know what's going on, but they are clearly having some serious communication issues.
Product: Mortgage

I called LoanCare on XX/XX/XXXX and was told a would get a reduced payment loan modification offer in 30 days. Its XX/XX/XXXX and it was not received. I called several times and after talking with service representative I a transferred and wait listening to music for an hour or 2 and then disconnected. Yesterday I got direct number - but it rings several times and disconnects
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but XXXX has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with Jefferson Capital and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.
Product: Debt collection

I was contacted via mail sent to my mother in laws house that was a threat about suspending my license over an accident I hadn't heard anything about regarding it. When I got this letter I freaked out because I was being told my license would be suspended so I reached out the the sender which was NCS national commercial services and the person who was speaking to me was very rude and was threatening my license and my significant others license to be suspended unless I paid {$17000.00}. And now this person calls me constantly atleast 2 times a day maybe 3 times a week and everytime he calls he tells me he isn't a debt collector and then said we needed to pay that amount. I looked into his company and saw alot of remarks on numerous websites saying they are a scam and they use scare tactics to get you to pay them and even one of the remarks said they had been paying for the amount they owed and when they tried to find out how much they owed the company told them they still owed the full amount and had no records of them paying. Today I was contacted by him again and after I told him what I found out about them scamming people he got aggressive and began yelling and so I hung up and then he called me back and I didn't answer so he emailed me saying I was being sued now. He also told me he was doing this for their client named XXXX who is not an insurance company for the company that was involved in the accident.
Product: Debt collection

I have disputed the debt numerous times and Portfolio Recovery refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Cente Inc -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.