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

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I recently received from [ Experian, Equifax, or TransUnion ]. Upon reviewing the report, I noticed several late payments that are incorrect : 1. XXXX  XXXX  - This account is closed, and the loan was paid off. 
2. XXXX XXXX - This account is also closed and paid off. 
3. Department XXXX XXXX XXXX My loans are in deferment, and I have automatic payments set up with this account. 
4. XXXX - This account reflects fraudulent activity ; I have never taken out a loan with them. 

I want to emphasize that I have never been late on any of these accounts. Therefore, I request documentation proving that I was late on these accounts to support your inaccurate reporting. If you can not provide this evidence, I ask that you delete these alleged late payments from my credit report in accordance with 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b, the permissible purpose of consumer reports states : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not provide you with written instructions to report this information on my credit report.

Furthermore, the Fair Credit Reporting Act ( 15 USC 1681 ) states the following regarding exclusions from a consumer credit report : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given these points, I demand that you delete the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the deletion of the referenced accounts, and sending me a free copy of my report after the changes have been made, will result in legal actions against your company. I will also be seeking {$1000.00} per violation for the following : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. 

On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). 

I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). 

The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.
Product: Checking or savings account

I created an account with Citibank in XXXX. I made my first deposit from a check my mom wrote ( I had given her cash to put in her account ) on XX/XX/XXXX. The check cleared from her account ( I have check #, bank info, dates, images of check, etc. ). I received a letter from Citibank shortly after stating they were going to close my account for fraud ( NO CLUE WHY ). It said it would be closed within 60 days and the funds would be sent to me in a check. After 60 days went by without receiving the check, I called Citibank. I was told they couldn't do anything, that my mom 's bank needed to request the funds back. Long story short, my mom and I have both called Citibank fraud department SEVERAL times. We have still not received the funds. Either to my mom 's account or to mine. This needs to be resolved asap.
Product: Mortgage

So I am not sure where to start, my loan with Rushmore Mortgage sold use to another company. They kicked us all off of their website and there is NOT one single number to get ahold of them. You call their number it tells you ; your loan has been sold and contact this number, but that's of the new loan and they can't assist with my issue. Somewhere on the internet it looks like Mr Cooper has bought everything out. I feel like someone i have been paying for a long time and now i cant do anything online, cant see payment history or anything with no help. So i want to make a complaint against them and get some answers on how to get ahold of them.
Product: Debt collection

Reached out in regard by phone call to XXXX to find what the debt was about on XX/XX/XXXX. 
No info was given just that a debt was owed for XXXX for a debt I NEVER had. 

The company presents themselves as Asset Recovery Associates in XXXX XXXX, Illinois. 

The only time I ever owed any money on a car was in XXXX. This was paid off and there action violates the act of XXXX law. 

Be wary as they may be searching antique files to scam individuals This company needs investigated and held accountable. Please reach out to your attorney general or law enforcement if you receive any letters from Settlement Department in XXXX XXXX Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and Health Share plan are currently paying these off and I never received a notice for any of these collections before they were added. My Health share advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Product: Mortgage

I have been calling Seterus regarding a letter a received advising I was entitled to a {$5000.00} principal reduction in my current mortgage. Each time I have called about the status of the reduction, I am given a different answer. 
1. I was told I was calling to soon about the reduction, to wait until XX/XX/XXXX and follow up again. 
2. I spoke to a representative who had no idea what I was talking about, but was able to reference the notations in the account from my previous call, she could not give me an update. 
3. I spoke with another representative who advised me that I would have to wait another 6 years before the reduction would be applied, but after she read the letter that was issued to me she then advised me that she would submit a request to find out where the funds were, and when they would be applied. 
4. One week later I spoke to yet another representative who advised that there was no response to the previous request for an update and that she would submit another request. 
5. I called the next day to request a supervisor. It was at this point that I was told that the government had to release the funds and that was why it was n't applied and that I would just have to wait for it to be applied. I was also told that I was not the only customer calling in regards to this issue. I insisted that I speak with a supervisor, but was instead transferred to a Subject Matter Expert who then advised me that I could not have a single point of contact to follow up with. She also advised that there was only one person who can respond to the requests that were sent for an update on the status of my principal reduction. 
I do n't know why Seterus can not provide and update but I think that I have waited long enough. I would like some answers sooner rather than later.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXXXXXX customer service representative.
Product: Debt collection

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent bankruptcy record from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit card or prepaid card

1. I was making a reservation ( XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX ) through XXXX XXXX XXXX ( which is one of the benefits for XXXX XXXX Card holders ) over the phone. 

2. A customer service representative ( CSR ) of XXXX XXXX XXXX, " XXXX '' guessed that I wanted to make a reservation for XXXX XXXX by XXXX XXXX for for XX/XX/XXXX to XX/XX/XXXX, instead of XXXX XXXX XXXX by XXXX XXXX for XX/XX/XXXX to XX/XX/XXXX.

3. Before she reserved the XXXX XXXX by XXXX XXXX, I found her mistakes and tried to fix the issue by emphasizing that " I want to make a reservation for XXXX XXXX XXXX, not XXXX XXXX '' and by providing the address of XXXX XXXX XXXX multiple times to her. Finally she seemed to understand that she should reserve XXXX XXXX XXXX, not XXXX XXXX. 

4. During the call, she told me that she would send me a confirmation email for the reservation within 15 minutes.

5. I received the confirmation email for the only XXXX XXXX XXXX ( attachment : XXXX ) with Case ID : XXXX and then I checked my XXXX account. I found her mistakes - she made two separate reservations - XXXX XXXX XXXX and XXXX XXXX - for XX/XX/XXXX to XX/XX/XXXX without my permission even though I emphasized that I needed the only reservation for XXXX XXXX XXXX, not XXXX XXXX to her multiple times during the call.

6. I called again the XXXX XXXX XXXX. After waiting more than 40 minutes to contact a CSR, the call is connected to another CSR ( Her name is XXXX ). She simply told me that she did not power to cancel the reservation because XXXX reserved XXXX XXXX with non-refundable rates ( even though I did not allow her to reserve XXXX XXXX ). 

7. Attached ( XXXX and XXXX ) are proofs that both of the reservations made by the XXXX XXXX XXXX using the email address in the attached file because the email address is XXXX ( not my address, XXXX ). 

8. A huge mistake by XXXX of the XXXX XXXX XXXX made me frustrated. No willingness by XXXX of the XXXX XXXX XXXX to help me under the frustration made me disappointed. 

9. I hope that the wrong reservation by XXXX will be fixed/cancelled within 24 hours because the reservation would start on XX/XX/XXXX.
Product: Mortgage

A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ). 

The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!! 

So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ). 

4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN. 

Where did the {$350000.00} go??? It just disappeared!!! Without a trace. 

On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!! 


Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!! 


TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed. 



This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions. 


When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send numerous letters to XXXX, all letter go with : 1.-copy of  credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non  specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of them
Product: Credit reporting 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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

A debt collector called Cavalry SPV I , LLC contacted me about an account in collections from XXXX XXXX XXXX I contacted XXXX, and they wrote me back saying that this account that didnt exist, and told me not to respond to the debt collector. However, now the credit reporting agencies say I have an account in collections, despite having no other problems with my credit report. Please help!
Product: Debt collection

The Doctor 's is Claiming and I don't know this doctor at all.
Product: Debt collection

Certified mail sent to Midland Credit Management ( MCM ) and was signed received XXXX Received letter from MCM dated XXXX requesting information on payments and activity on account.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2018 I went to Western Union branch at the local supermarket to transfer {$1500.00} US dollars to XXXX ( tracking number XXXX ) When the person I was sending the money to went to the bank to get the money they were informed that it will paid in local currency and not US dollar. Further more the exchange rate was lower than market value by about {$30.00}. I called WU to get an explanation but I was informed that I chose this option when I sent the money, I then informed the person on the phone that I wasnt given an option at the time of the transaction and that when she informed me that it stated on the receipt. 
Upon reading the fine print on the receipt I found that WU makes more money in addition to the fee charged from converting the currency. I even went on their web site to find out if they ask at any point how would you like the money to be received and found none. 

I feel WU acted in a deceiving way to make more money from my transaction and failed to inform me of my rights in regards of how will the money be paid out.
Product: Student loan

My original loan was through XXXX XXXX, but this year when they got " out of the student loan '' business, they sold it to FirstMark Services a division of Nelnet. I requested a deferment/forbearance in XXXX and never heard back. I was able to make a double payment that month so all was XXXX. However, this month when my bill came I was like " XXXX '' cause they said they were putting in my forbearance request. I tried to call for 6 hours off and on but the number kept disconnecting. Finallly I got through to someone and he couldn't tell me what happened.
Product: Credit card or prepaid card

I contacted by phone customer service and tried to get general account information. I sent in my Identification card as proof of verification. I was still not granted account information. I need to check general account information when I call. I in addition have basic questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

my daughter received a pre-approved credit card offer 24.65 % interest {$35.00} late fees {$75.00} menbership fee really? {$19.00} user participation fee really? apr will never be greater than 29.90 % ( that is disgusting ) she is a college student and has no income ... no wonder these kids are so in debt you are aggressively predatory ... disgusting ..take her off your list and do n't tell me you do n't tell me you do n't have the correct information to do so ..so have enough information to prey on her so you have enough to take her off you list and do not tell me you are giving her an opportunity to establish credit because that is deceptive and disgusting
Product: Checking or savings account

I am writing to formally express my frustration regarding the recent closure of my Bank of America business account and the resulting financial hardships. 

On XX/XX/XXXX, XXXX XXXX University paid XXXX XXXX XXXX for its services. However, my Bank of America account was subsequently closed due to alleged suspicious activity. It appears my account was under investigation, but I was never provided with clear communication or a legitimate reason for the closure. 

Additionally, I have been waiting since XXXX XXXX for a {$440.00} refund from XXXX XXXX XXXX to be returned to my account. Despite multiple attempts to resolve this matter, Bank of America has been unresponsive and ineffective in assisting me. 

The sudden closure of my account while I was out of town working and networking caused me to miss a {$100000.00} business opportunity. Furthermore, it has prevented me from making critical payments for my commercial building and company vehicle, severely impacting my business operations. 

I find this situation to be highly unprofessional and negligent. Bank of Americas failure to assist in these matters has demonstrated a lack of credibility and accountability. Given these experiences, I have transitioned to XXXX XXXX XXXX XXXX and am currently exploring legal action and formal complaints against Bank of America. 

I am formally requesting immediate access to my withheld funds. However, I have been told I must wait until XX/XX/XXXX, which is unacceptable. The continued delay has placed undue financial strain on my business and personal obligations. 

I expect a prompt resolution to this matter and a clear response outlining the next steps for recovering my funds. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I filed a police report and an identity theft report with the FTC through their website. TransUnion keeps sending me a generic letter without actually checking my information. This has happened for several years with no recourse to them so they continue to do the same thing. There are several accounts attached that are theft accounts. They have continuously ignored my police report and FTC affidavit regarding this matter. Nothing has ever been researched or contacted the company. these account removed from my credit report as it has hindered me in getting a home loan for several years