23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to pay my XXXX XXXX XXXX card on line ... My info was lock, I called the number provided but its a third world country with a broken XXXX. speaking person who I can't communicate with or het my problem resolved ... two weeks later I was still having the same problem so ... .. so I wrote a personal check cut up my card and included a note telling the company of my displeasure and no assistance that could help and suggesting they XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..this caused CITIBANK to get upset and refuse my payment which will be late as of XXXX XX/XX/2023. I sent a payment of {$990.00} via check but over a week later they refuse to cash it and close out my account .... I now assume they will delay and delay and charge me a late fee and ding my credit report which should be illegal.I have warned the Company of my report to the FTC and a possible law suit in response to their refusal to accept my payment..... Just wanted a paper trail so when they do their dirty deed I have proof of my attempt to settle my account
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME MAGISTRATE COURT OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/18 XXXX XXXX XXXX OPENED AN ACCOUNT IN MY NAME. I AM UNABLE TO VALIDATE THIS DEBT AND HAVE REASON TO BELIEVE IT IS FRAUD. 

TO DATE XXXX, HAS REPORTED {$430.00} AS A COLLECTION ACCOUNT. I AM UNAWARE OF THIS ACCOUNT AND DID NOT AUTHORIZE IT
Product: Mortgage

We live in PA and it is common in our municipality to appeal the value of the house. We won our appeal for the XXXX tax year ( and future tax years ) and received a reduction in over {$100000.00} to our homes appraised value. This resulted in over {$5000.00} reduction in our property taxes for the year. We received the decision in early XXXX and I immediately reached out to Planet Home Lending to discuss the next steps. A research case was opened and their research dept contacted the XXXX XXXXounty tax authority, as well as XXXX XXXX XXXX ( company that handles the taxes for the local municipality and school tax ) and confirmed the appraised value and current millage rate. They confirmed the new tax bills based on the appraised value and as a result, did an escrow analysis and refunded us over {$2000.00} ( in addition to the county refunding us for overpayment in the spring ), as well as reducing our monthly mortgage payment by {$250.00}. The analysis had to be redone a week later because only 2 of the 3 tax values had been updated with the first analysis. I opened yet another research case and we received yet another refund and a further reduction to our mortgage payment due to their mistake. The largest tax bill was sent out on XX/XX/XXXX ( after both research cases were closed by planet home lending ) PHL confirmed to me verbally and in writing that they confirmed the new tax amounts, somehow they still overpayed the tax bill by {$4000.00}. I noticed this error immediately and opened a THIRD research case with PHL. I was assured during this call, after speaking with a supervisor again, that NO escrow analysis would be done as there were just 2 done in XXXX and my payment would remain the same. To this date, I have yet to receive me refund of {$4000.00} in overpaid taxes from XXXXhe county and, unbelievably, Planet Home Lending did what they promised not to and ran an escrow analysis this month. This analysis cause my mortgage payment to increase by over {$500.00}. I opened a FOURTH research case and this is not resolved. This is unacceptable and PHL has proven to be grossly negligent, incompetent in this matter. They have also not received a XXXX tax bill but are basing the newest escrow analysis on the STILL INCORRECT, overstated XXXX tax amounts. This level of negligence from a financial institution seems criminal. I demand a resolution before my XXXX mortgage bill is due.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

Resurgent is reporting twice on my credit reports. Resurgent is also known as LVNV funding and is the same company.. I have a resurgent and lvln account on my profile for the exact same thing. They are double reporting on my credit report which is in violation of the FCRA, Furthermore they are reporting these as loans and this company did not take over the loan nor did I sign loan contract with them, they should be reporting as a " Debt Buyer '' as they are n't a lending company or financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit reporting alerts and Transunion is displaying a 30 days late, deliquent, Missed payments account on my XXXX XXXX XXXX vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against XXXX. I am XXXX XXXX and Retired.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and removal of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of identity theft as a result of a data breach, and the following accounts and inquiries were reported without my authorization. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I request these items be blocked and permanently deleted from my credit file. 
Fraudulent Accounts 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX A XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX **** Balance Owed : {$4500.00} XXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

A check deposit of {$4000.00} was made to my checking account on the morning of XX/XX/XXXX, a hold was then placed on the funds and they were not made available in a reasonable amount of time. Today is XX/XX/XXXX and the entirety of the check is still on hold. It has been seven business days and nine calendar days. I have called both banks and no help or insight as to why my funds are being held has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT believe that Equifax is STILL reporting the account XXXX XXXX XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Equifax verify inaccurate information as accurate? By law it is Equifaxs job to ONLY allow accurate and correct information to be entered onto my credit report. How can this account come back as verified? I disputed this account XX/XX/XXXX and XX/XX/XXXX. I am challenging this account for the third time. 
I am challenging this account for the following reasons : There should be no past due on a charged off/closed account yet Equifax lists a past due amount of {$1900.00}. How is this accurate? 

There should be no monthly payment on a charged off/closed account yet Equifax lists a monthly payment of {$1900.00}. How is this accurate? 

Each bureau lists a different monthly payment. XXXX  $ XXXX/Equifax $ XXXX/XXXX  {$1900.00} How is this accurate? 

Each bureau lists a different open date. XXXX  XX/XX/XXXXXXXX Equifax XX/XX/XXXX/XXXX XX/XX/XXXX How is this accurate? 

Equifax does not list a date of last activity on this credit report. That is a violation.
Product: Debt collection

An American Express impersonator ( with AMERICANEXPRESS callerID ) called our office asking for the owner and said that we were 48 days delinquent on a debt of {$17000.00} on our company Amex Hilton cards. We opened the account less than 30 days ago and have spent a total of {$500.00} thus far. It is clearly a scam that was forceful with one of my employees. 

Call came in at XX/XX/23 XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have have a total of 10 collections on my XXXX report and a total of 3 on my experian report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XXXX of XXXX then again in XXXX of XXXX and noticed somethings are incomplete and not accurate and are from a result of identity theft. I have reached out to the creditors and credit bureaus to advise that they remove and block this information. They have failed to send any original contracts or documents linking the accounts to me and have now failed to remove from and block this information from my reports. This is multiple violation of my rights under the FCRA and I am demanding this information be removed and blocked from reporting. Account : XXXX, XXXX XXXX, Date Opened : XX/XX/XXXX, {$7700.00} -- open date is not reporting correctly, date last active and the high balance is reported DIFFERENTLY ACROSS ALL 3 REPORTS, XXXX XXXX XXXX {$650.00} DATE OPENED XX/XX/XXXX, XXXX  {$390.00} CHARGED OFF, DATE OPENED XX/XX/XXXX XXXX Here are my tracking numbers : XXXX, XXXX, XXXX, I Am also attaching additional certified mail that i have sent trying to get this matter resolved. XXXX, XXXX and XXXX XXXX have removed these accounts from my reports but experian has violated my rights for the last time by not removing and blocking these account. PLEASE LOOK INTO THIS MATTER and require them to REMOVE and BLOCK. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Credit reporting or other personal consumer reports

A data breach at XXXX XXXX that unfortunately was a part of, a financial software provider, compromised the name, address, date of birth, Social Security number, and other account information of XXXX deferred compensation customers whose accounts were serviced by XXXX XXXX XXXXThe breach occurred XXXX XXXX, according to the letter, and XXXX XXXX notified XXXX XXXXXXXX XXXX about the breach on XXXX XXXX. This caused me to occur late payments and new fraudulent accounts to appear on my credit report because of the identity theft that effected me during this time
Product: Credit card

A fraudulent charge was made on various credit cards XX/XX/22 after my wallet was stolen. A masked man was seen in video surveillance at XXXX XXXX buying around XXXX dollars of gift cards. A police report was filed and video surveillance showed this within one hour of the incident. All credit card companies were called, refunds were made by all credit card companies but Citibank for {$4100.00}. There is a police report. Citibank still will not refund my money
Product: Credit card or prepaid card

Hello, the below charges are fraudulent. I have attempted to call Wells Fargo but have not been able to get ahold of them. These charges were not authorized by me and are fraudulent. These charges need to be removed and disputed and I need the card replaced ASAP. 

XX/XX/20 XXXX ( # 12 ) XXXX XXXX XXXX  # XXXX {$1700.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$130.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX CA # XXXX {$480.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX CA # XXXX {$1100.00} XX/XX/20 XXXX XXXX XXXX   XXXX XXXX XXXX CA # XXXX {$2000.00} XX/XX/20 XXXX XXXX, XXXX XXXX GA # XXXX {$550.00} XX/XX/20 XXXX XXXX XXXX XXXX  NY # XXXX {$260.00} XX/XX/20 XXXX XXXX XXXX CA # XXXX {$140.00} XX/XX/20 XXXX XXXX XXXX CA XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I have reported this inaccurate information in an effort to resolve the issue, as it has significantly impacted my personal life and caused me mental distress. These fraudulent items on my consumer report have prevented me from achieving important goals, such as purchasing my dream car and adequately providing for my family. 

I am a victim of identity theft, and these items do not belong to me. I did not consent to the reporting of this information on my consumer report. I have attached my letter and the FTC report as evidence. 

I request that you investigate and resolve this matter promptly. If the situation is not addressed appropriately, I will be forced to pursue legal action to protect my rights.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. deposit having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFBP findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions and and the reason why my account was untimely closed.
Product: Student loan

On XX/XX/XXXX, I called to change the date of my auto-debit for my student loan payment from the XXXX of each month to the XXXX of each month. I asked at least twice in different ways to confirm that the auto-debit date change would start in XX/XX/XXXX, not at the end of XXXX, since I had already made my payment for XXXX. I was assured both times I asked that my first payment where this date change would take effect was XX/XX/XXXX. 

Today when I logged into my checking account, I saw that an auto-debit is pending from my account for Monday, XX/XX/XXXX. I called Nelnet, who processes my student loans, and was told I needed to contact my bank because it was too late for Nelnet to stop the auto-debit. My bank was unable to help because the transaction is occurring within 3 business days. The Nelnet representative when I called back to Nelnet for a resolution was incredibly unhelpful, saying that I would " just have to incur a non-sufficient funds fee '' if I didn't have the money in my account to cover the payment that I was assured would not be coming out of my account in XXXX.
Product: Credit card or prepaid card

I called BP Visa/Synchrony Bank last evening ( XX/XX/XXXX ) to understand why the annual percentage rate for my account is over 29 % when I have never been delinquent on this account. It was explained to me by the front-line Specialist ( XXXX ) and then a Supervisor ( XXXX ) that this rate is the general APR for all customers. I shared that this was not the terms when the account was transferred from the previous issuing bank - it was 12.49 % then ( even though the Specialist told me it was 18.99 % ). Both told me there was nothing that can be done, there is no lower interest rate available unless I need to go on a collections program. I have been paying over $ 300 monthly and barely making a dent in this balance because of the interest rate. On top of that, the balance subject to interest at the 29 % continues to increase even though I don't use the card because they keep adding the accrued monthly interest to that balance. That is unfair, deceptive, and predatory in nature to me. Their response was that they could put me on a list to request a lower APR when/if that becomes available. There is nothing that can be done now. So the consumer is punished for the sale of this portfolio and these are not the terms I agreed to when I opened the account.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hidnering my credit report. this has been an ongoing issue that needs to be resloved. looking over my file ive noticed alot of illegal items reported an identity theft mislead items that are causing denials on my credit report. please review an remove all listed items to clear my credit report asap.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you