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

XX/XX/XXXX 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 tbese 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 as 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 Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

On XX/XX/2023, I initiated an institution-to-institution transfer in the amount of {$1500.00} from XXXX XXXX XXXX ( XXXX XXXX XXXX to Citibank. The information on the web site for Citibank indicated that the funds would clear overnight, and would be in my Citibank account the following day. The balance in my Citibank account had been {$780.00}. 

This evening ( XX/XX/XXXX ), when I logged onto the Citibank account portal, the system indicated that my account was overdrawn. There were no other debits that were being made on my Citibank account. I checked the account from which the {$1500.00} transfers were being sent, and confirmed that they were debited from the XXXX checking account. When I called Citibank to obtain resolution, they told me it was a known issue, and that I would have to wait XXXX hours for resolution. 

In the meantime, I do not have access to my own funds that I was planning to use to pay for a transaction that was supposed to take place on XX/XX/XXXX. Banks should not be allowed to get away with this type of behavior. How can we have trust in the financial system when things like this happen, and the attitude of the staff was so blas. 

This is a basic banking function. Why is Citibank failing at this under your watch?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, trans union, failed to report that the cards had been paid off, we contacted the Banks, and  they kept sending the information, transunion, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appears on my credit report and should be removed.
Product: Credit reporting or other personal consumer reports

I sent this to XXXX concerning Upgrade XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, I recently sent you a letter last month because you are reporting some late payments that are NOT accurate and I would like you to update these late payments to being ON TIME PAID AS AGREED. I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. You seem to not understand how serious this is because you have not corrected this issue. As a reminder, a consumer can sue {$1000.00} per item that is not accurate on their report. 

Also, this letter is a formal complaint that you are reporting to my consumer report fraudulently. 

According to the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a ), it is a fact that I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the companies listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1666 ( b ) ( 2 ).
Product: Checking or savings account

On XXXX my mother, XXXX XXXX ( deceased XXXX ) went into US Bank and opened a few CD/s. on XXXX she went back with a $ XXXX cashiers check from another banks savings account to open another CD and the teller who was training, XXXX XXXX, accidentally checked the " Traditional IRA '' box on the document and also left off the beneficiaries. MY MOM PASSED AWAY XX/XX/XXXX. My sister, XXXX XXXX and I are full Trust and Will Beneficiaries ( equally ). ( I can supply those docs on request ). On XX/XX/XXXX my sister, XXXX XXXX and my step father, XXXX XXXX went to US Bank together to close out the CD at US Bank. This is when we found out the teller made a mistake with the paperwork, she admitted the mistake and the bank manager, XXXX XXXX admitted the mistake. They stated that since no beneficiaries were listed that her husband would be the only one to have rights to the CD. So my step father said fine i will just cash out the CD and give it to the girls. They had him sign a document, that they would not give him a copy of, and then after it was signed admitted that it was mistakenly done as a Traditional IRA and that tax implications would happen and he would get tax documents in the mail. THIS IS WRONG for so many reasons. 
1 ) my mom has no earned income, she can not have a Traditional IRA opened in XXXX XXXX ) even if she could open a Trad.IRA, she could not open with {$15000.00} as that is over the limit 3 ) US Banks own disclosure statements state they can not take a cashiers check to open a Traditional IRA it must be wired funds from a financial institution. 

we have asked for a Return of Excess Funds, as the whole $ XXXX should be returned as excess funds as she was not allowed to open an IRA. They refuse. 

My sister, XXXX XXXX has taken hours and hours off work to try and deal with the bank manager in person, as he said he would make this right- he saw the mistake. However since then he refused to speak with her about it, and the XXXX XXXX team says we have to speak with the Bank Manager as he needs to fix it, the XXXX XXXX team says either the XXXX XXXX XXXX or the Bank Manager has to fix it. 

We have contacted XXXX XXXX who is the DIstrict/Regional Manager for this US Bank location , he was to be very helpful at first - and now will not return calls. 

We have contacted the IRS who says the bank needs to fix this, as the IRS will penalize the estate the 6 % as she was not legally allowed to have a Traditional IRA. Not to mention the taxes we have to pay on it - again, as the money came from a savings account on years prior earned wages. 

I have spoken with the FDIC, CFPB and the OCC all of which tell us to file a complaint. I have filed a formal complaint with the US Bank District office. 

Bank Branch XXXX US Bank - XXXX XXXX XXXX, XXXX XXXX  CA XXXX - tele XXXX Bank Manager - XXXX XXXX - Direct line XXXX XXXX Teller - XXXX XXXX - XXXX XXXX US Bank Dis/Regional Manager - XXXX, CA Office XXXX XXXX XXXX XXXX XXXX Mother - XXXX XXXX XXXX XXXX Last four of SS # XXXX Acct # XXXX Please help us make this right
Product: Payday loan, title loan, or personal loan

I borrowed from cashcall in XX/XX/XXXX, they garnished my wages in XX/XX/XXXX, I paid it off but now in XX/XX/XXXX they are coming after me again saying I owe another {$2000.00} in interest and fees.
Product: Debt collection

I had some communication with XXXX about 2-3 years ago about asking for my hm phone as they claimed it belonged to them, I had XXXX  phone services at the time and they asked that I request my old ph number from XXXX to use it. I had to pay about XXXX at the time and they let me use it. Someone from there came out and took their wire out. I then kept gettin a bill for XXXX for phone service I never had from them??? Now it appears it's with about 3rd creditor Southwest credit systems and they don't have any information on when or what is owed?? I don't owe XXXX anything period. But they also put this on my credit report as derogatory? I don't have any info from back then I'd really have to look and it was appeared cleared back then??? I want them off my.back and credit cleared. Very aggressive company!. I would never do any business with them and I haven't in years. The letter recent is from Southwest Credit Systems LP XXXX XXXX XXXX, XXXX TX XXXX XXXX. I don't know why I would have to continue to argue with these creditors 2-3 years later?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have things removed from credit bureaus all 3. Experian has me locked out now online, I try calling, security info doesn't match and can not get a person on the phone. Few minor debts I will list that I'd like removed from all bureaus, and have contact debtor and no help. XXXX {$120.00} I never lived in XXXX around the time this bank account was opened I had lost my wallet with i.d and social security card in it. I contacted this bank, they said it has been charged off, but I'd like it removed, as it was not mine, It is affecting me being able to get any type of credit card or loan, so I offered to even just pay it and they refused, there fore there are denying me to pay it off, and to remove as charge off as fraudulent account. Next XXXX XXXX XXXX also known as consumer finance I paid that off 3 weeks ago, I did not realize I had that delinquent account, forgot about but it's paid so I need that removed. XXXX XXXX I had credit line with them, I've never been approved for such, and it's listed on one of 3 bureaus as past due, but XXXX balance so I'd like that remove, they are also listed under inquiry. Like that removed since this again was probably somebody using my name. Then multiple address listed on my credit. My address is XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX  XXXX, that is address on my Florida i.d so all other address pls have removed from all three credit bureaus. Then employer is XXXX. All other jobs listed are over ten years ago, so I'd like all employers besides XXXX removed. XXXX XXXX XXXX has multiple past due account small bills, like {$7.00}, {$31.00}, $ XXXX never lived in XXXX XXXX where they r saying that bill occured, contacted them no help. Informed them that if this was my account I have had full coverage medicare since XXXXso I sent the bill to my insurance, they said this is not my bill. Please remove all these things. I can't get threw to Experian, XXXX I filed disputes online, XXXX saying vrystar is mine but it's not. And I'm just so upset that from little things more credit is so low and I spent hours trying to correct with 3 main bureaus and only few things updated, but main thing is XXXX and the pay day cash advance which I paid off you can verify calling XXXX and they direct you to consumer finance which was collection agencys d confirm please that I paid, 3 bureaus telling me upload it online yet 2 of them have my online acct frozen for answer security question wrong, and I tried calling to unfreeze and can't get a person in the phone. I'm literally losing my mind about these people not helping me, acting u professional, and talking to me like XXXX over some small debts like I'm a scumbag, it's not right
Product: Credit card or prepaid card

I received a defective item. 
I returned the Item with an XXXX label. 
I provided a vast array of documentation proving that I returned the defective item as agreed. 
Chase sided with the merchant even though they were given overwhelming information that the item had been returned and was defective. 

Chase violated terms of services as the credit card is supposed to protect me from fraudulent and defective items, as agreed in the contract and terms of service. 

The transaction date is the following : XX/XX/2023 The merchant name is : XXXX The amount disputed is : XXXX Chase has all XXXX the evidence in hand already and is ignoring the evidence I provided. 

The evidence includes the following : Receipt from XXXX showing that I dropped off the item. 
Photos of the Item as it was being packed. 

Photos of the box that it was sent in.
Product: Mortgage

PMI was scheduled to auto terminate when loan to value reached a predetermined 80 %. 
PMI was continued without any relief for 6 months until I contacted the company to remove it. They stated that they could not remove the mortgage insurance because they could not determine the value of my home. This is false because they sent me monthly notices of current valuation of the property. I was offered the option to pay XXXX for an independent realtor valuation which I agreed to do. The valuation was determined to satisfy the removal of PMI but still has not been completed. I am requesting a refund of 6 months of the PMI payments made from my escrow account since it should have auto terminated. All data available on line exact numbers are available within the account profile.
Product: Mortgage

Wells Fargo claims there was a clear title when modification was obtained. Have furnished supporting documentation from Wells clearly showing they delayed finalizing my modification due to title issues. Title clearly has these liens even then. Liens were put on in  XXXX .and 12 2 years prior to modification.
Now Wells Fargo states they can not do a modification nor principle reduction which   XXXX   XXXX   offers due to these same liens that were there years ago. ( letters attached showing Wells Fargo refusal to assist in any way due to prior modification and any other excuse they can come up with ) they state all liens must be cleared prior to a modification.
How did I get the last one, why has Wells Fargo put a claim in with the title company for the errors made by title and Wells?
Why did Wells deny my right to contact the title company concerning these errors?
Why has Wells refused any help since I asked close to a year ago.
Why is it that there is no protection for homeowners again?
How is it that Wells collected on a title error for the loan and I cant get assistance?
Product: Credit reporting or other personal consumer reports

My wife and I took out a home improvement loan with XXXX XXXX for {$70000.00} back in XX/XX/XXXX. According to their website, XXXX XXXX XXXX XXXX XXXX acquired XXXX in year XXXX. They decided to rebrand XXXX to XXXX XXXXXXXX XX/XX/XXXX. 

Now on my credit report it shows I have a loan with XXXX and XXXX with a payment for {$560.00} and a balance of {$69000.00}. 

This is causing us an issue when trying to get a loan because it looks like I have XXXX different loans and lenders needs proof it's only XXXX loan.
Product: Payday loan, title loan, or personal loan

I have an XXXX loan where the payment was taken out of my account but the payment was no applied. 

I pay {$10.00} every month for a Moneylion Plus account which gives me the right to use the XXXX service but I have not been able use XXXX because my payment was never credited. It appears they have also paused the benefits of my Moneylion plus account as well. 

I filed a support ticket with the company, they basically said too bad you're going to have to wait for " Operations '' to address this. They then closed the ticket so I could not respond and did not fix the issue. This was weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 58 Hard inquiries on my Credit Report. Only 4 of those are accurate. 
XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  + Automotive ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2022 + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX- Automotive ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with XXXXXXXX XXXX XXXX XXXX that is in collections and showing up on my report.
Product: Mortgage

Quicken 's underwriters and the closing team did NOT disclose the added PMI insurance at any time prior to signing. They solely made the decision to waive the appraisal and add PMI without our knowledge. PMI or appraisals were never mentioned during the entire process ; they just added it to the closing paperwork. 

Since PMI was never discussed, we assumed they added our homeowner 's insurance payments to the loan since the property is located in a California fire zone. When we contacted the resolution team, the representative said we had 4 ways of eliminating PMI with one of them would be paying down the principal. 

Later, he emailed the following message, " We do apologize that you were never told that you would be having PMI on your loan. The reason that you have PMI is because you would have need an appraisal to be completed. Due to the fact that appraisals were extremely delayed in your area, our Mortgage Banking team wrote your loan to not need an appraisal. This saved you time on the days your loan was in process and you did not have to pay for an appraisal. Your loan is now closed and the terms of the loan can not be changed. This issue is now closed and no further action will be taken on this issue. '' This did not save us time nor money. The loan took longer to close than any other lender, and we now have almost $ XXXX to pay in insurance even though we have excellent credit and plenty of collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I dont recognize on my report such as Experian Business credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on Experian On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone authorization to have access to my credit and or to miss use my personal information and would like it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.