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

I am writing to file a formal complaint regarding the charge-off entry on my credit report. Despite my persistent efforts to rectify this matter, the charge-off continues to adversely affect my creditworthiness and financial standing. 

Despite my genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the charge-off entry persists on my credit report. 

Requested resolution : I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into the charge-off entry, including thorough validation of its accuracy with the creditor. 

If the charge-off entry is found to be inaccurate, its immediate removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe ] and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these charge off accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute online with XXXX and a chat representative and I explained that the Wells Fargo account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loans.Wells Fargo sent me a lien release and a title to confirm this account should not be reporting on my credit.XXXX  XXXX did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and Wells Fargo should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.Wellsfargo shouldve taken care this with the credit bureaus and they informed me that they would which is not true.
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. 

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, 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

Professional Debt Mediation has harassed me, used profanity, and threatened arrest because of a fraudulently signed lease by a company I have never heard of. Professional Debt Mediation has hundreds of similar complaints on here, and I will not go unheard. REMOVE THIS FRAUD FROM MY CREDIT REPORT, AND STOP SENDING ME PROFANE PHONECALLS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Checking or savings account

Fifth Third Bank closed my Essential checking account on XX/XX/XXXX with available balance. Upon closure, funds in the amounts of {$370.00} & {$20.00} were never refunded back to me ( funds were refunded to a " closed '' checking account at XXXX. On XX/XX/XXXX, XXXX banking representative confirmed no funds were ever received and the account is still in " closed '' status at XXXX ). 

When inquired about not refunded funds in a local branch ( XXXX XXXX XXXX, XXXX, Ohio ), Personal Banker ( XXXX XXXX. ) advised they are not able to help me in branch and referred to call Fifth Third via phone at XXXX. 

After several phone calls, Customer Service Representatives where not able to assist me and currently, no funds have been refunded. 

Additionally, a promotional bonus of {$250.00} was attached to the Essential Checking. No bonus in any amount was received.
Product: Credit reporting

I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I
Product: Checking or savings account

Todays date is XX/XX/2024, as of yesterday my card was declined when I tried to make a purchase in the afternoon, I figured it was declined because of the amount of what I attempting to purchase, an just needed to give it XXXX  minutes, so I did, still couldnt use my card, figured whatever Ill continue about my day as normal and later in the evening I went to XXXX so I could pick up dog food and dinner for my wife and XXXX girls, but to my surprise, my card was declined again. I havent received a phone call nor a text message in regards to why my account has been locked, nor is there a way to get my account unlocked without calling the bank, not on their website, not on their mobile app and not on their recorded phone lines! This business is closed due to the holiday, Im sure glad they get to enjoy it while my girls and wife dont even get to XXXX eat! They need to fix this issue and make it to where there is either a 24 hr hotline to help with issues such as this, or a way on their website or mobile app! Now on top of this Im a XXXX and have had to miss work today, yes unfortunately as a XXXX  I dont get holidays off, because I couldnt put gas in my vehicle! The amount of inconvenience as well as incompetence of this institution is astounding! Its like your a-typical corporation, XXXX  XXXX XXXX to their customers or employees as long as the money is rolling.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX, I was contacted by text checking to see if I had made a {$350.00} charge to a XXXX, I responded No and called to follow up. 

The person that answered indicated that there was also a {$20000.00} wire transfer posted to our account and asked if it was mine. It was unusual for us to have this large amount in our checking account because we had just received a tax refund the afternoon before. I told this person No and he proceeded to help me cancel it. He fraudulently presented himself as a Chase employee named XXXX with a Chase employee ID of XXXX and said he was calling from the XXXX office XXXX He sent fraudulent texts from the Chase App and I followed his instructions and instead of cancelling the wire, I enabled him to transfer {$10000.00} to his account. During these events, as I began to become suspicious, he called me back on the Chase Customer Service Line using the Chase Line fraudulently. 

Meanwhile, I called Chase Fraud on another phone and asked if the transaction/ situation was valid. They told me no and to hang up immediately. I did, and also asked the Chase Fraud representative what I could do to stop this wire to the recipient at XXXX  XXXX XXXX, XXXX XXXX since they had the account and transaction information in front of the. They told me there was nothing they could do. Not taking that as a final answer, I drove to the the nearest XXXX  XXXX XXXX branch and asked them for help- with their customers information- and they too, said there was nothing they could do. Still not content to take no, I drove to the nearest Chase branch and asked them for help. Eventually I was able to close the impacted checking account, open a new one, and file a complaint with Chase Fraud. There was an additional direct deposit to my account claiming to be from the Internal Revenue Service. I confirmed with the IRS that this was not sent by them and I asked Chase to reject it. It seems too coincidental that a direct deposit came in from the IRS within XXXX hours of having the initial one actually sent by the IRS for the correct amount of the refund we expected. I realize that I made critical mistakes but also want to stress that I was misled by someone who knew they were stealing money. I also would think the IRS would want to know more about this person since they were impersonating a federal agency. I am working with Chase to file the report regarding the fraudulent deposit with the IRS. 

I ( and Chase ) have the name and information of the recipient of the wire transfer : There is an address and phone number on the Internet for this person too. The information of the individual receiving this fraudulent wire iis below : XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX- XXXX. 

Address per Internet : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 To Whom It May Concern, Recently I was made aware by Experian that XXXX issued a late payment notice to them on my account with them. However, this is not the case. 

I called my own bank first on XX/XX/22 and was told and could see for myself, via my online banking portal, that XXXX was paid out automatically on XX/XX/22. 

I also called XXXX directly on XX/XX/22 and was told that they had not issued a late payment notice and that the customer service operator, XXXX, could see that the payment had indeed been made. Furthermore, XXXX said that XXXX had NOT issued a late payment notice! 

Of course, even though the payment was made and XXXX themselves did not issue the notice, I do not want this false notice to affect my credit score. 

In addition to my bank XXXX and XXXX I also disputed this with Experian. Experian researched the issue and 24 hours later it was updated, and I have no idea what that means as they were not forthcoming with any additional information and suggested that I contact XXXX. 
XXXX at XXXX gave me the contact information for your bureau, and I sincerely hope that this can be dealt with in a timely fashion. 

Please contact me if I can be of any further assistance! And thank you very much for any help with this matter! 

Regards, XXXX Should I ask for something via email or written form to support my claim?
Product: Credit reporting

I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. 
Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, thank you
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I am unaware of them, and the company proceeded without my authorization.
Product: Credit reporting or other personal consumer reports

There are 2 accounts on my consumer report that have been cancelled and discharged. According to the IRS, these accounts are now considered income. Income is not to be reported on the consumer report. Please remove immediately. 
The copy b 's of the 1099-C are attached. 

The accounts are : XXXX ( XXXX ) and XXXX  ( XXXX ) Again please remove immediately!
Product: Debt collection

Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$94.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had XXXX in my citi account someone used my card fraudulently for a XXXX XXXX  stay totaling to XXXX dollars. I made citi aware of the situation and the card was blocked with a new one sent to me after activating the card I noticed online access to my account was also blocked which should never have been the case. The money was deposited via cash at an atm citi is currently holding my funds and are refusing to grant me access to my account. They keep trying to send me a code but I have a new number and my old number doesn't currently work at the moment and new number for some reason can't receive the code this is a nightmare
Product: Checking or savings account

Citi bank announced offer of XXXX $ bonus for opening city priority package earlier this year ( as I did in XXXX of XXXX  ) with XXXX thousands dollars as a requirement to be deposited first 30 days and to be kept there for following 60 days to be able to receive this bonus after 120 days of Citi priority package and keep account opened for 6 months straight. 
I met all those requirements but when called city 6 months later after XXXX  XXXX to ask where is my bonus of XXXX $ was told that I was not qualified as when I was doing that online application there was some glitch in system that didnt apply the code correctly. 
I explained to them that the same month when I opened City priority and transferred money to that checking and savings account I called bank ( end of XXXX ) and specifically asked representative if code was posted correctly and I was qualified for receiving bonus the response was YES. 

Bank need to stick to their announced promises, not to give false and fraudulent promises to the customers while utilizing their money for their own benefits. 
If one banker said all requirements were met to get a bonus, the other banker several months later should not say contrary. They need to be in the same page. The glitch of the system is a vague and poor excuse not to pay bonus to the client after they use your money for 6 months straight!!!! Citi Fraud alert!
Product: Debt collection

So I was renting an apartment from XXXX XXXX XXXX but seen that I couldnt afford it anymore. I move out XX/XX/XXXX XXXX the least it said I would get a free month rent so I didnt pay for XXXX and then when I move out I was contacted by the collections company saying I owe two months rent. and now its on my credit report hurting it bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX hasn't removed my bankruptcy from my credit report it's been 2 years I want it removed it should have been after 1 year. I submitted a dispute but it's still showing on my credit report
Product: Credit reporting or other personal consumer reports

This account is more the seven years old by law after seven years this should not be reporting to my consumer report last year this collection company brought the debt an place it back on my consumer report as a new collection which now reports as a 6-7 month old collection which is hindering my credit score.This is unfair this debt is more then seven years old by law if I didnt communicate or agree to pay this debt the time line on the debt shouldve never restarted I have told this creditor on multiple occasions this is 7 years old they know this is a debt from 2017 and is now bout to affect my score another 7 years is not fair that would make 14years with same debt effecting my credit history this should be remove please have them remove this debt its illegal to buy a debt from a creditor with out my acknowledgment the original creditor remove the debt and this company has no write to hold me to a debt more then 7years ago
Product: Debt collection

This company LVNV has been reporting on my credit report. I asked them to validate the debt. I asked them to include my signature or anything showing thats its my debt like a contract and they have not been able to verify anything. I have no clue who this company is. They violated my rights. Its been over 60 days and they havent validated anything. I need them to remove this debt off my credit report immediately.
Product: Mortgage

I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the Commissioner of Public Works account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them.

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.