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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS XXXX XXXX XXXX NOTICE " I AM NOT AN ATTORNEY NOR AM I A THIRD PARTY! '' I am filing a CFPB COMPLAINT BECAUSE IT IS MY LEGAL RIGHT TO DO SO!!! 
I was recently WAS OUT OF THE COUNTRY. I just now have got back to work. I discovered that my credit file has over 2 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure who approve this or even made these inquires. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$390.00} to a friend on Venmo so that he could pull it out of the ATM for me. After the money was sent, he noticed that he could not access his account. After several attempts I decided to try to have the transaction reversed or refunded via Venmos customer support. They confirmed that the funds were sent and received and informed me that he would have to give permission for them to refund or reverse the transaction. He attempted to do so several times and they closed his account for reasons they would not explain. When I contacted them to see what I was to do to retrieve the funds they, with no explanation closed my account permanently, and " would not respond to any further inquiries about this transaction. '' I've tried repeatedly to contact them and speak with someone to no avail, and the {$390.00} of mine are still in Venmos possession. They continue to hold my money and refuse to respond to any attempts that I make to retrieve it.
Product: Debt collection

It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file the items I need to lead it I 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 south oh my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft Affidavit please delete items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

MAXIMUS XXXX, XXXX and XXXX XXXX have been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness. I, XXXX XXXX did my due diligence and began an investigation. During my investigation, it has been brought to my attention that I have been swindled by way of deceptive forms and I am now enforcing my right to privacy and Opt-Out. These laws have been violated by these entities. 

17 CFR 248.124 Reasonable Opportunity to opt out. 

15 USC 6802- Obligations with respect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

" Dear CFPB-Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX / XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They haven't been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXX XXXX advised me of someone attempting to open an account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As a result, I double-checked with the credit bureaus as well as XXXX XXXX to confirm freeze 's had been placed. ( I had done this several years earlier as a precaution ). 

When I attempted to check on Experian, I was unable to do so because the phone number attached to my email address ( used as the login ) is not mine. I've had the same phone number for 15+ years. After many attempts to phone in and speak with a representative, it was made known to me via the IVR that the only option I had was to send written correspondence. 

I would think that in circumstances as a suspected account take-over that there would be better options to receive service and speak with a live agent. 

I would like for an Experian agent to reach out to me as soon as possible to rectify the apparent fraud, and then I would like to receive a copy of my latest report so I can ascertain if there are any fraudulent activities being reported. 

I was successfully able to self-serve and/or speak with a representative at each of the other bureaus and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( XXXX XXXX ) with the creditor, as well as with the bureaus that are continuing to list this account. This account was closed years ago and Equifax is still continuing to show the account as open on my credit report. Numerous disputes have been filed and the dispute letters return back to me stating the creditor XXXX XXXX verified that this information is accurate. This information in NOT accurate. The account is CLOSED!!! Why are they continuing to list this account on my credit report as an open account. I demand for this account to removed from my credit report immediately or I will sue both Equifax and XXXX XXXX for failure to comply with the FCRA rules. Im tired of this. All this is doing is dragging my credit score down. The proof is clearly herethe account is showing as an open account. 

XXXX is also reporting just recently this month XXXX that the account has a negative status. No more reporting on this account should be taking place. Both you credit bureaus are continuing to report inaccurate information. Please stop immediately!!!! I will sue you for this defaming information. Remove it immediately!!!
Product: Student loan

Today is XX/XX/ I applied to have my IDR updated on XX/XX/ MOHELA acknowledges receipt of this application on XX/XX/ I was placed in administrative forbearance by MOHELA due to long processing times. 
My IDR has not been processes as of today XX/XX/. 
Yesterday I received a bill- for the full amount of the non-IDR payments said that it is due XXXX 
I can not get through to a representative on the phone. 
My account needs to be placed back into administrative forbearance until such a time as my IDR application for the SAVE program has been processed. It has been 4 months and has still not been processed. This is not an issue on my end. 
I directly linked my application to my IRS information, ensuring that all required documentation has been received. 
I am a public school teacher and simply can not pay the standard repayment which is why I have always updated my IDR in a timely fashion. I was notified that payments would start at the end of XX/XX/ and submitted my application in XXXX XXXX
Product: Credit card or prepaid card

Citibank has twice determined that we are responsible for a fraudulent charge on our credit card. They advised that we are responsible because the card was in our possession at the time of the charge. Per the bank, the transaction occurred on XX/XX/XXXX at XXXX XXXX CST, in XXXX, XXXX. We can prove that we were in the United States at that time and we have provided that proof to Citibank. 

We visited XXXX from XX/XX/2021 to XX/XX/2021. We made a purchase at a t-shirt shop while in the XXXX on XX/XX/2021. During that purchase, the shop owner took our card out of the store for 10-15 minutes saying she could not get internet reception on the card reader. We think that somehow the card was tampered with during that transaction. My husband tried to use his card after that and it did not work. 

The disputed charge was for {$7300.00} from a liquor store in XXXX. We did not enter a liquor store while we were in XXXX. Furthermore, we left XXXX on XX/XX/XXXX to go to the XXXX, and then flew to XXXX XXXX 8hrs from XXXX XXXX, and then flew back to the US from XXXX on XX/XX/XXXX, the day prior to the charge. This charge was completely out of character for us ; we have never spent anywhere close to {$7300.00} while out of the country. In addition, a second charge was made after the first for {$7700.00} from the same company. We received a text regarding this charge and immediately advised that we did not make the charge. We called Citibank as soon as we received the text and cancelled our cards and obtained new cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to purchase a home. My mortgage company is unable to pull my equifax credit. I called XXXX XXXX to ask to how to remove this as i did not request this. i spoke to them where they told me to mail cover letter with the needed info and it would be taken off. I sent called every week as this has kept me from purchasing. They state never got it. I then send a second time same thing has happened. Noe the third time i am beyond upset about this. Someone is not doing their job and i keep sending my personal information and paying tracking. They are rude and will not help me. I need the internet hold off my account asap. I dont know what to do as this should be a simple process. Its now XX/XX/year> and been XXXX  months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$31000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( XXXX  ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXX ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX ( a ) ( XXXX ), I am entitled to dispute information that I believe to be inaccurate, and the XXXX XXXX XXXX is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX BANK XXXX - XXXX : {$3200.00} - Account # : XXXX XXXX XXXX  XXXX XXXX - XXXX : {$2800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$750.00} - Account # : Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XX/XX/2013 has a {$0.00} balance and is past the California statue of limitations. This account is still on my credit report and closed.
Product: Credit reporting or other personal consumer reports

I called and settled my debt with XXXX XXXX XX/XX/XXXX, XXXX with XXXX XXXX XXXX He was very rude and not professional. I hired a legal counsel ask them to take off my credit report. They agreed to stop reporting to my credit. The representative advised me that the collection would not report after 30 days. I am in the process of buying a home and my lender advised me that the charge off was still reporting to my XXXX XXXX Credit report. My report is reflecting XXXX points lower than the other XXXX scores. Please remove from my credit. I will attach the settlement letter. 

The debt collect for XXXX XXXX was XXXX XXXX XXXX, Paralegal, Lefkoff , Rubin , Gleason , Russo & Williams , P.C . 
Attorneys at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX Phone : XXXX ( ext. XXXX ) Fax : XXXX XXXX This is the email from XXXX XXXX XXXX, your original request was not pretty clear as you told me you needed a letter ( which we are also providing ), not the writ. Regardless, it was filed with the court at the correct time. It shouldve been notated with the court if you didnt check public record. Regardless, I have attached a copy as a courtesy for XXXX XXXX. Have a good day.
Product: Mortgage

Loan Number : XXXX I was recently informed by City of XXXX that my home never received a certificate of occupancy. What is your plan to resolve this issue?
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX XXXX Consumer Financial Protection Bureau Subject : Unauthorized Withdrawal and Account Compromise Dear Sir/Madam, I hope this letter finds its way to the right person.

I am writing to bring to your attention a concerning incident regarding my Bank of America checking account. On [ date ], I discovered that my account was compromised before I received the debit card, and an unauthorized withdrawal of {$10000.00} was made.

The timeline of events leading to the unauthorized withdrawal is as follows : Before I received my EDD Debit card from Bank of America my account was compromised before I could even get the chance to active or even register the card. 

Upon discovering the unauthorized transaction, I immediately contacted Bank of America customer service to report the issue. They initiated an investigation, and I was informed that I would be reimbursed for the fraudulent withdrawal. However, it has been [ state the duration of time since the incident ], and I have not received a resolution or a refund for the stolen amount. 

I have cooperated fully with Bank of America during their investigation, providing all necessary information and documentation. Despite this, the lack of timely response and resolution has caused significant financial distress and inconvenience. 

I kindly request your intervention to ensure a fair and swift resolution to this matter. I believe the situation requires immediate attention to prevent further loss and safeguard the integrity of the banking system. 

Enclosed with this letter are copies of relevant documents, such as my account statements and any communication with Bank of America, which support my claim. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me if any further information is required. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX I invested my XXXX into multi-residential apartment units and financed it through PNC Bank. My loan # is XXXX, under my XXXX complaint organization called XXXX. Over the last few years I tried to refinance this loan at existing interest rates which were 3 % -5 % points lower than my existing loan at 6.75 %. XXXX of my attempts were rejected. Over the course of 8 years I 've paid XXXX of XXXX of dollars in interest but principal amount have been reduced by only $ XXXX. After the economic downturn in XXXX, the interest rates dropped and so I wanted to protect my XXXX and leverage the low interest rates, but PNC rejected my requests for refinance, and continues to charge me high interest rates. I also suspect that with the current 6.75 % interest rates, the calculations may be compounded by additional charges which I do n't understand and this could be reason why it is not making a dent to the principal balance. Since the original investment came from my XXXX I want to protect this investment, but at this time I think I am going to be losing a substantial portion of my retirement income since PNC is not ready to refinance. I am XXXX years old, and have little runway to ensure that my retirement income is protected. So need your help to ensure PNC loan practices are in line with standard financing practices, especially those that apply to XXXX investments. During the economic downturn and even to the current day, my XXXX organization, XXXX XXXX has lost money each of the last 8 years. PNC cooperation in refinancing my loan in XXXX, XXXX could have saved me XXXX of dollars in interest payment, and helped me break even at least. I 've not missed a payment on the loan since XXXX, and was hoping PNC would take this into account in refinancing my loan as early back as in XXXX, when commercial loan interest rates were falling. 
Looking for some interest rate relief and retro relief too, as a special case since my retirement investment via XXXX was designed to be my retirement income, in a couple of years time when I retire.
Product: Credit card or prepaid card

I have had citi diamond preferred card since XXXX and HAVE NEVER MISSED A PAYMENT except for last month when I moved from XXXX  to XXXX and got into this COVID-19 nightmare. I couldn't rent an apartment because all showings have stopped, and my bills were not being forwarded from California to my new temporary address despite my request with USPS. So I missed just one monthly payment of {$160.00} BY ONLY 5 DAYS. Here 's what citibank has done in response " triggered '' the penalty APR of 29.9 % ( mob loan sharks collect less, as media suggests ), assessed me a late fee of {$29.00}, and already started harassing automated calls to " collect '' debt ( last call was received on Sunday, XX/XX/XXXX, in the morning ). It is indescribable shame with which this bank that got billions of dollars in free governmental handouts in XXXX is now trying to profiteer in the time of a national calamity. Please help to stop this revolting activity implemented by a detestable clique of unpatriotic corporate vermin who have no principles but are guided instead by greed, hypocrisy, and vileness.