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

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or Transunion. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit card was stolen by an unauthorized user on XX/XX/2019.  The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX  and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.
Product: Consumer Loan

Car was repoee with 13 days delinquent and would n't allow recovery unless full loan amount paid EXETOR FINANCE
Product: Credit reporting or other personal consumer reports

As per outlined in attached dispute letter, the following companies are in violation of METRO 2 COMPLIANCE and FCRA law and in violation of related privacy laws as XXXX XXXX and XXXX  were allowed access to my private student loan information with appropriate authorization. As a result, I respectfully request that my student loan information for DEPT OF EDUCATION XXXXXXXX XXXX XXXX be immediately removed FROM my credit reports with, but not limited to, XXXX, XXXX, AND XXXX to avoid continued breach of privacy and violations of law. 

There are XXXX accounts currently reporting.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled FNB OMAHA XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
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 USC 1681. 

Account name : XXXX XXXX, # XXXX Account name : XXXX  XXXX # XXXX, has violated my rights. 

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.
Product: Credit card or prepaid card

Citibank will continue to get a complaint a day until they finally take this seriously. Every single other card company has all documents and can see what clearly happened. Myself and my family are the victims of Identity Theft and Fraud! Citibank has made several poor decisions and continues to do so by changing charges back and forth. Well I can clearly say this. Myself and my family were not involved in any of this fraudulent activity and we certainly didn't steal our own identities. Citibank continues to make very random and very irresponsible moves since their communication is less than bad between departments they have built within silo 's, having limited ability to see each others notes or collect the plethora of documentation we have sent in. If this is not resolved in the way that follows, we will be filing suit against Citibank, which will be the only one of our creditors involved. When the bulk of your team has poor systems and therefore poor access they make poor decisions. There are three Security Operations Managers and a Fraud Manager that made very good and sound decisions these people should be placed in higher leadership roles. My attorney will be sending a letter soon, and if this is not resolved in the manner that it should ( re-establishing our credit lines and repairing our credit quickly ) we will be taking action that we did not want to take. This is not a fun thing for a person like myself to do but Citibank need to be shown to the public how messed up they really are. Then maybe, they will start making changes to treat good customers, like my family since 2006, far better.
Product: Checking or savings account

On XXXX bank withdraw reversed for payments in my checking account without notice. states provisional credit reversal from stimulus payment. As a single mother on XXXX, this has impacted my finances in a huge way. I've reached out in attempt understand where this came from and possible make arrangements on correcting this. Wells Fargo constantly leaves me on hold, hangs up, states it escalated for call back no one has yet returned my call. I had all my finances connected to this account, now I'm having to route to another bank, due to them stopping over drafting I'm getting hit with all kinds off payment reversals. i do admit my account has not always been in good standing however I've been a loyal customer for XXXX  years and my direct deposit has been entering this company since every XXXX weeks. I'm on danger of losing everything due to the ripple affect this caused from the month of XXXX. That {$400.00} that was available to the time was to pay for my car insurance and car loan. That was all the money I had plus it negative my account- {$1200.00}. 
This has to be someone that understands my position. i have not help. i am the only provider for my home and my kids. I have access to resources for money assistance. I'm trying to build my credit to by a home and this dropped my score down XXXX points. I cant afford to owe a bank. how am i going to come out of this whole?
Product: Debt collection

I received a letter from PennCredit Corp ( reference XXXX ) stating that I owed them {$570.00} for XXXX XXXX ( XXXX ). I do not and have never had an account or dealings with XXXX XXXX. I believe this is a fraudulent attempt to collect money I do not owe. I am requesting that PennCredit Corp stop sending me letters and stop this fraudulent attempt to get money from me. 

Thank you
Product: Mortgage

I am XXXX of those mistreated borrowers by Green Tree Servicing and its agent XXXX in the State of California. I was threatened, yelled and cursed at with garnished wages, arrest, called a liar and a dead beat. My loan debt was fabricated and was falsely misrepresented. Denied verification and my employer and fellow workers were notified about my loan status. My credit was ruined and I was forced into foreclosure and bankruptcy. This has been an never ending nightmare! 

Since the beginning that Green Tree ( XXXX XXXX ) alleged that my mortgage loan was in arrears and in distress, I have disputed Green Tree 's claim of missed mortgage payments or that my loan was in arrears or distress. 

I disputed in access of XXXX letters, emails and phone calls to Green Tree and XXXX XXXX allegations in XXXX of XXXX that my mortgage loan was in arrears in the amount of XXXX dollars or that my mortgage account was in arrears or distress. I was denied by Green Tree and its agent XXXX XXXX any remedy of an account by written itemization, complete audit or face to face meetings as required by law in the State of California. 


Whereas my contact person, an employee authorized by Green Tree Services with an office in the state of California, acknowledged that after conducting an internal audit in XXXX XXXX, XXXX XXXX and XXXX of XXXX, agreed that my loan was not in arrears or distress. She could not understand why her supervisors refused to authorize any written itemizations or audits of any alleged missing monthly mortgage loan payments. She further stated that she was not authorized to update or service my account. She also conveyed to her supervisors that I wanted a face to face meeting with Green Tree Services and XXXX XXXX. 

Whereas a XXXX XXXX Supervisor requested written verification directly from the vice president of Green Tree Servicing. The request to the Vice President took place in XXXX of XXXX, after she became aware of disputed issues that were proven to be false with valid cashed checks from XXXX Bank issued to Green Tree Services. I was promised by that XXXX supervisor that a written itemized statement showing first missed payments and any additional missed payments would be provided before any further foreclosure proceeding took place. When the final foreclosure proceeding took place in XXXX of XXXX, and after repeated emails and phone calls to the XXXX Supervisor that were not answered or returned, I was in fact not given any such written itemized audits from Green Tree Services on how they determined that I owed {$32000.00} dollars and denied any opportunity for a face to face meeting to mitigate my mortgage loan that was being serviced by Green Tree Services.
Product: Mortgage

A licensed realtor in Hawaii is advertising on XXXX as a lender when he is not a licensed mortgage loan officer. This is deceptive as I think he is trying to obtain buyer leads by falsely claiming to be a lender. Also there is no NMLS # listed on the ad in XXXX until you click through the 14th page of their disclosures and complete their " application '' online first. 

Agents name : XXXX XXXX email : XXXX ph : XXXX Additionally, Keller Mortgage is licensed in Hawaii through their real estate agent : XXXX XXXX of the XXXX  XXXX office NMLS # XXXX. She is getting paid twice on the same transaction as a real estate agent and mortgage loan officer. That is not allowed per CFPB rules as well as allowing other XXXX  agents in Hawaii  to falsely advertise for " pre-approval '' when they are not licensed because XXXX XXXX  is open only because she has a MLO license.
Product: Mortgage

PNC Bank Mortgage is reporting " serious delinquency '' due missing XXXX 2013 payment for XXXX mortgage ( XXXX ) & XXXX mortgage ( XXXX ). 
Payments were made with late fees on XXXX/XXXX/13 XXXX {$2400.00} & XXXX XXXX, but being reported as XXXX payments. XXXX payments never sent because the accounts were settled less than full balance and closed XXXX XXXX, 2013. 
Should not be reporting " serious delinquency '' when all payments made through XXXX 2013 and account settled in XXXX XXXX, 2013, so XXXX payments made.
Product: Credit reporting or other personal consumer reports

I am an authorized user on 2 credit cards with XXXX XXXX XXXXredit card company. These tradelines are not reporting to the credit reporting agencies. I am providing the account number please investigate and report
Product: Mortgage

I spoke with the mortgage company with the intention of getting help in regards to my mortgage payments. This was right after hurricane Irma had passed and came to the conclusion with the mortgage company that those months would be forgiven and added to the end of the mortgage agreement. Those 3 months passed and made no payments as promised by the mortgage company. At the start of the year, I was advised by this same company that I owed them those 3 months of mortgage payments all put together. This is completely contradictory to what I had agreed upon with them before. I have continued to make my mortgage payments for this new year but the mortgage company continues to insist I pay for the last 3 months of last year. This added pressure is not helping at all and making me nervous I will lose my home. Why promise something and not hold up your end of the bargain? My family and my house suffered greatly from the hurricane and I don't need any added pressure to my day-to-day life. Please help.
Product: Credit card

Someone opened up a Navy Federal Credit Union account in my name. I have tried twice to dispute it with them, and they denied me both times. I even asked them to tell me how the credit money was used so I could prove it was n't me, and they did n't give me that chance. It is negatively affecting my score.
Product: Credit card or prepaid card

Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. 
Embed complaints principles and complaint standards across our organization. 
Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions. 
Inform cardmembers about complaint status and resolution. 
Make certain that all colleagues are certified on our complaints policy and principles. 

I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call. 
I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given. 
I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call. 
This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, providing evidence of the fraudulent nature of these items, such as police reports, affidavits, and any other relevant documents. However, despite these efforts, the fraudulent entries remain unchanged on my credit report. 

I wish to bring to your attention the following concerns : The presence of these fraudulent items has not only affected my credit score but has also led to potential identity theft concerns. This poses a serious threat to my financial well-being and personal security. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ensure the accuracy and privacy of the information they report. It is evident that the fraudulent items on my credit report are a clear violation of this mandate. 

It appears that the credit bureau has not conducted a thorough investigation into my disputes. I urge you to initiate a comprehensive and detailed review of the fraudulent entries, promptly taking corrective actions as required by law. 

I kindly request your immediate attention to this matter and a swift resolution to remove the fraudulent items from my credit report. Please provide information on the steps being taken to investigate and correct this issue. 

I expect a written response within 30 days, as required by the FCRA, outlining the results of your investigation and the actions taken to rectify the fraudulent entries. Failure to address this issue within the specified timeframe will compel me to escalate this matter further through legal channels. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX charge off in XXXX. It was for XXXX XXXX, acct # XXXX. I paid this account off in XXXX with Frontier Financial, and will attach a copy of my letter showing the debt was satisfied. To this very day, me, my husband and my parents will get calls from collectors about this same debt. I have attempted to contact Frontier, but it appears they went out of business several years ago. The people calling to collect always give random company names that are never the same. This item has long since fallen off my credit report so I know the debt is not legit, but these calls are embarrassing and cause me a lot of mental anguish. How can I make these calls stop??