23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is a continuous issue with Citibank. On XX/XX/20 I deposited a rental check for {$950.00} {$200.00} were placed on hold til XX/XX/20. OK. A check for {$220.00} was presented on XX/XX/20 by error from the contractor. The {$200.00} previously on hold was released XX/XX/20 the exact date the {$220.00} was ret'd-see attached. There was more than enough monies in the account to pay it. Further Citibank charged my account {$34.00}. NOTE : XXXX my contractors ' bank only charged {$12.00}. Therefore I was penalized {$46.00} plus my reputation in jeoparty. 

Citibank has become robotic, no Consumer service what-so-ever. Long lines & waits each time, ridiculous system on deposits with 2 or more slips to a transaction which has added to the already long lines & delays making each transaction a big deal-TOO COMPLICATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to National Data Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

Metro 2 Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts.

Implementation of a fraud alert and security freeze to prevent further fraudulent activity.

Provide confirmation that the accounts have been removed or corrected.

Attached are the necessary supporting documents, including an identity theft report and any correspondence related to this issue. As required by law, I expect a response and resolution within 30 days of receiving this dispute.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have filed disputes and called equifax to correct my bankruptcy reporting. Equifax has continously reported inaccurate bankrupt information. I am led to believe this is intentional. They have mentioned on their response letter they verified information against  XXXX   XXXX . Why can these people not get my credit report correct? They have affected my ability o purchase a home.They are reporting me filing a chapter  XXXX  on    XXXX   XXXX      when this bankruptcy has been paid in full and discharged. According to FCRA, if someone is reporting inaccurate information, it should be deleted.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Mortgage

I purchased a townhouse in Arizona in XXXX. My HOA provides a master insurance policy that covers the structures to the inside walls. My understanding is that if my property burned down today, the lender would be made whole with that coverage ( they could, with that insurance, rebuild my townhouse ).

My loan servicer just changed in XXXX as it has many times over the 16 years I've had my mortgage. The new servicer is requiring an " HO6 '' policy to supplement my HOA 's policy. My understanding is that an HO6 policy covers improvements I make to the inside of the property. 

Currently, I have no improvements to the inside of the property to insure. Everything is original builder-grade from when the property was built in XXXX ( flooring, window treatments, kitchen, etc. ). I called the new mortgage servicer to ask what coverage limit I was required to have given that I have no improvements to cover. They are requiring that I cover the entire $ XXXX unpaid balance of my mortgage. They didn't have any answers on how that balance relates to improvements inside the home, and they are placing their own expensive insurance until I come up with my own. 

This seems abusive to me. It seems like they are using a backdoor to get the equivalent of private mortgage insurance from me. I worked and saved to put down a down payment that avoided such a requirement, and have since gained substantial additional equity. I have excellent credit ( XXXX ) and have never missed or been late with a mortgage payment. It seems unfair for them to add a new $ XXXX bill to my monthly expenses to cover their own risk with no conceivable benefit to me.
Product: Debt collection

From XX/XX/XXXX, updated on XX/XX/XXXX. The amount of {$1700.00} was placed with collections!? I had this issue resolved in the past!!! This item been reinserted several times. Month after month, year after year!
Product: Money transfer, virtual currency, or money service

Sent money via XXXX unable to get money back due to being sent incorrectly. Money was non refundable and no way to retrieve from receiver.
Product: Credit reporting or other personal consumer reports

This company XXXX is in direct violation of this law. 15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX is reporting inaccurately.
Product: Credit reporting

TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed!
Product: Debt collection

To Whom It May Concern, On XX/XX/XXXX, I received a collections letter from Jefferson Capital with reference number XXXX. This letter claims a debt originating from XXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/XXXX, in the amount of {XXXX}. I would like to state that I have no knowledge or record of this alleged debt. 

Furthermore, as per Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations on debt in Texas is four years. Considering this, the mentioned debt is well beyond the allowable timeframe for collection. 

I am unclear about the origin of this debt and why I am being contacted regarding this matter. Please provide a detailed validation of this debt, and if it's determined to be inaccurate, kindly ensure that all records related to this claim are corrected or removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : 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 For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX 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. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I applied for a {$0.00} down payment VA loan through USAA and after being told I was pre-qualified and subsequently approved I was then asked to provide a down payment of approximately {$9200.00}. It was only 2 weeks before closing and after my appraisal and inspection had been paid for and after I informed my landlord I was moving out. I was told I had a loan and then all of a sudden I was unfairly being required to come up with this large amount of money in just a matter of days or I would have ended up homeless. This was very unfair and deceptive and I also never received a clear explanation about why this down payment was being required on a no down payment VA loan product nor was I ever given any additional disclosures. Further detailed information is attached.
Product: Debt collection

There is an account for a XXXX XXXX place that continues to report new open dates on a debt that is very old. This makes no sense one bureau indicates it's a charge off the other indicates it's 120 days late but they all show an open date of late last year. I have requested proof of this debt and I am getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formerly, I made an investigation of some account with inaccurate information in my file. I recognized that the account XXXX  XXXX Date opened XX/XX/XXXX is still incorrect, with a confirmed status.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to FIX this account ( A ). 
XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00} Never Paid Late. The records reflect a 90 days late on XX/XX/XXXX without preceding 30 or 60 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate. Per FCRA, reporting must be 100 % accurate. Fix negative marks that damages my entire file.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I sent money through XXXX on XX/XX/2022 in the amount of {$520.00} and {$620.00} just minutes apart. Both transactions were declined. I check my bank accounts on this date and these amounts were deducted from my account for both {$520.00} and {$620.00}. I called XXXX and inform them about the information and I was told that both payments will be sent back into my account within a week time. I check my account after a week and my payments were not but back into my account. I sent {$680.00} on the XX/XX/2022 due to the gave issue that my mother was going through in XXXX to the same receiver XXXX XXXX it declined again. I called XXXX and inform them about the issue and was told that my payments will be refunded to my account also due to the payment being decline. I did received the {$680.00} through XXXX credit account and I was able to sent that payment to the same receiver XXXX XXXX. I have the information in my XXXX account to show that I was credited for only the payment for XX/XX/2022 for the {$680.00}. I went to my bank on XX/XX/2022 to complain about not receiving my refund from XXXX for the amount of {$520.00} and {$630.00} on XX/XX/2022. My bank file a complaint on my behalf. They received {$620.00} and credited my account and that amount was taken from my account on XX/XX/2022 and left my account overdraft for weeks. I called XXXX on many attempts to inform them about why the requested their funds and was told that they where sorry it was a mistake and that they will refund both payment to me. I have sent them banks account statements of all my transactions and up to now I have not received any refund yet. My sister pass due to not have these funds for medical treatment in XXXX. I am so sick and XXXX about this issue. I have all the emails and phone calls to show how long I have been reaching out to XXXX with no results. Please assist me.
Product: Mortgage

My complaint is in reference to complaint num. XXXX ... which is telling me they have done nothing wrong and I 'm not specific enough ... how specific do I need to be ... for one you are not aloud to charge multiple property inspection fees on the same day and still monthly ... that is called double dipping ... .for two ... you are not aloud to practice unfair ... deceptive and abusive practices on a family for 7 yrs ... and get away with it ... that is ludicrous ... .and your still doing it bc your ocwen and can do whatever you want!!! That 's even worse ... no one..and I mean no one should have to go through what your co has put us through ... i wish I never bought this home ... i would have never met you and my life would be normal ... instead of all the emotional XXXX your co has put us through ... now I want you to know I have a complete application in with ocwen for assistance ... ..i do not have a sale date as of today ... my application was faxed in on XX/XX/XXXX ... .at XXXX ... at XXXX ... and at XXXX ... .faxed 3 times to XXXX XXXX XXXX ... .a short sale was entered for the 3rd time in a year ... on XX/XX/XXXX ... .nothing from ocwen!!!! That 's fine bc they are still in their time frame but it wo n't be long ... and do n't even try and say it 's not complete or you did n't get something ... .just dont!!!! When are you guys gon na help the families that really need it????
Product: Checking or savings account

Check was deposit into my Wells Fargo account at the time with online banking and it wasnt me and the check wasnt mines or wasnt in my name or anything bank seen check froze my account and ended up closing my account
Product: Vehicle loan or lease

I leased my XXXX XXXX XXXX in XX/XX/year>. I then did a buyout of the car online via hmfusa.com for the remainder of what was owed on the car. In XX/XX/year>, I filled out and sent all the necessary paperwork to proceed with the buyout/title transfer.

HMF has not given me the title for my car. I have called over XXXX times now over the span of XXXX months for an answer to this issue. They wont give me an ETA of when they will send the title of the car to me. The car has been paid off for over XXXX months now.
Product: Credit reporting or other personal consumer reports

Subject : Immediate XXXX  and XXXX XXXX for XXXX Credit Reporting Dear Equifax I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my XXXX XXXX XXXX is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : account XXXX XXXX past due balance {$900.00} account XXXX XXXX XXXX balance {$410.00} account XXXX XXXX XXXX {$14000.00} ALL XXXX INACCURATE INQUIRY ON XX/XX/year> That I didn't acknowledge This accounts is inaccurately reported as a delinquent account, which is not accurate. 
This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Product: Debt collection

I have received several phone calls at work and on my cell from a woman named XXXX. XXXX said that she was from XXXX and that they received a complaint from Cash Call saying that I took out a loan or credit line on XX/XX/2010 for {$500.00}. She said that Cash Call had exhausted all avenues to get the money back that they claim I took ( ie. bills to me, collections, etc ). She referred to case # XXXX and said that if I did not reach settlement today that she would be forced to sign an affidavit and forward it to the courthouse in Oklahoma. She said that I am guilty of trying to defraud a financial institution. I never took a loan out with Cash Call or any other pay day loan.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Synchrony Bank for Inaccurate Credit Reporting Dear Sir/Madam , I am writing to file a formal complaint against Synchrony Bank concerning the inaccurate reporting of my XXXXXXXX XXXX XXXX account XXXX to the XXXX major credit bureaus : XXXX, XXXX, and XXXX. This complaint is submitted in hopes of resolving an ongoing issue that has negatively impacted my credit report and score. 

The discrepancy involves the reported first date of delinquency. Synchrony Bank has erroneously reported the first date of delinquency as XX/XX/XXXX. This is incorrect. The actual first date of delinquency occurred in XX/XX/XXXX, when my account was 30 days late. Moreover, my account was closed on XX/XX/XXXXXXXX XXXX XXXX which further contests the possibility of a first date of delinquency in XX/XX/XXXXXXXX XXXX 

This inaccurate reporting has unjustly affected my credit standing. Despite multiple attempts to rectify this error directly with Synchrony Bank, the issue remains unresolved. The persistence of this inaccurate information on my credit reports is a cause for significant concern and distress. 

I hereby request the CFPB 's assistance in investigating this matter. I seek a correction of the reported delinquency date to reflect the accurate first date of delinquency in XX/XX/XXXX and the acknowledgment of my account 's closure in XX/XX/XXXXXXXX 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account for XXXX XXXX XXXX XXXX is not my account I notified Trans union on this but they refuse to delete it. Amount XXXX.
Product: Debt collection

I am writing to bring to your attention a situation regarding a debt outstanding since XXXX  with XXXX. I have previously agreed to a settlement payment of this debt, however, I have been subjected to harassment tactics by your representatives. This includes contacting my place of employment with a subpoena and sending me harassing letters via mail.
Product: Credit reporting or other personal consumer reports

I am am writing to dispute inaccurate information on my credit report and to notify you of my intent to pursue civil liability under 15 U.S.C. 1681o for negligence in non-compliance with the Fair Credit Reporting Act ( FCRA ). 

The following discrepancies have been noted : XXXX XXXX XXXX XXXX XXXX XXXX  {$79.00} I previously submitted a dispute, but the inaccuracies have not been corrected. Under 1681o, I am entitled to seek damages for this failure to comply, which has negatively impacted my credit.

I request that you : 1.Correct the inaccuracies immediately.

2.Investigate these issues in compliance with the FCRA.

3.Compensate me for any harm caused due to this negligence. 

Please address this matter promptly. If not resolved within 30 days, I will seek legal action as necessary. 

Thank you for your immediate attention.