23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as " disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a " deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. 
Thank You
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 U.S.C 1681. 

Account name # XXXX, Account name # XXXX, Account name # XXXX, Account name # 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 A section 2, states a consumer reporting agency can not furnish an account without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX & XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved .The consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnish. Accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.these failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence provided.i am requesting immediate corrective action to remove or amend the dispute accounts as Experian inaction violates federal law and my rights as a consumer
Product: Checking or savings account

Received vendor credit ( XXXX XXXX XXXX XXXX  ), {$1800.00} back in mid XXXX, credit has been sitting on my Barclays credit card account ( # XXXX ) up until now, XX/XX/2022. I have always maintained this credit balance and pay immediately for any purchases so that my card balance is always a {$1800.00} credit. Have contacted them to deposit this amount to my bank account. This procedure has already been accomplished before, but for a lesser amount. Have contacted customer service at least six times to accomplish this and the respomse is always " the check is in the mail ''. Being a senior xxxx person, the return of these funds are invaluable to me. Please, please do all possible for a swift conclusion to this matter.
Product: Debt collection

Stated they were collecting a debt regarding a XXXX XXXX card. I have never owned or used a XXXX XXXX credit card as evidenced by my credit report history. 
I 've asked to be removed from their call list and they refused. They 've called several times.
Product: Debt collection

Inaccurate information on my credit report I am writing to formally request verification and investigation of certain items on my credit report pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ). I recently reviewed my credit report and noticed information that I believe may be inaccurate or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report dated XXXX is outdated : We no longer have a mortgage and it states we have one XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported Balance {$170000.00} Debt-to-Credit Ratio 94 % Balances on Revolving Accounts have been paid down and are not correct. 

XXXX XXXX XXXX Reported Balance {$4600.00} is incorrect XXXX XXXX XXXX Reported Balance {$4900.00} is incorrect
Product: Money transfer, virtual currency, or money service

The. Curacao. Store. Ofer. Shield credit protection for. XXXX dllr.mont. On case. Stole or. Somting happening. Insuranse pay. Balance. And. I did. All. Proces prob police report all. Documents. Agent from stor. Tell me. All set. And cover and 2 mnts latter. I hav late pay. Report collection. And credit shelld. Never. Answer calls. All. Calls goo same. Store
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion Attn : CFPB Subject : Formal Dispute Follow-Up Regarding Inaccurate Credit Reporting To Who It May Concern : I am writing to express my extreme frustration and disappointment regarding the handling of my recent dispute over inaccurate information reported on my credit file. I initially submitted this dispute in XX/XX/year>, providing evidence to demonstrate inaccuracies, including late payment reporting discrepancies among the three major credit reporting agencies. Despite this, the information was not corrected or deleted, and your verification process has upheld clearly incorrect data.

This inaction is not only unjust but also in direct violation of federal consumer protection laws. Are you aware of your obligations under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA )? The FCRA mandates that consumer reporting agencies like yours ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) and conduct a reasonable reinvestigation of disputed information within specific timelines ( 15 U.S.C. 1681i ). The law also requires that inaccurate, unverifiable, or incomplete information be modified or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The discrepancies on my credit report are not only evident but are now directly hindering my ability to purchase a home for my family. The conflicting reporting between agencies reflects negligence in ensuring accuracy and consistency, which your company is obligated to address under the FCRA.

If this issue is not resolved promptly and satisfactorily, I may pursue legal action. For reference, cases such as the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ) outline how agencies can be held accountable for failing to meet FCRA requirements. As in that case, your failure to reinvestigate thoroughly, correct inaccurate information, and provide clear notice of the outcome violates my rights as a consumer.

I demand the following : 1. Immediate correction or deletion of the inaccurate information, particularly the late payment reporting discrepancies.

2. Written confirmation of these corrections and updates provided to all three credit bureaus. 
3. Assurance that my credit file reflects maximum possible accuracy going forward.

Please consider this letter a formal request for compliance. If I do not receive a satisfactory response within 30 days, I will explore all legal remedies available to me, including filing complaints with the CFPB and potentially initiating legal action. 
I trust that you will take this matter seriously and fulfill your legal responsibilities. 
Sincerely, XXXX XXXX
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX - XX/XX/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 got an over draft fee yesterday in my account when i didnt even use my navy account yesterday. Navy federal advertises that the day you use their XXXX  and go over {$10.00} or {$15.00} that you might as well buy whatever else you need to buy because they charge you for that day {$20.00}. I havent used my card since Thursday. XX/XX/year>. I got charged a fee yesterday because XXXX of the transactions posted yesterday even though i did that the same day as the other purchases which there was a {$20.00} over draft fee on that part as well. I tried talking to the woman on the phone about it but she said theyre allowed to do that and they cant do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX I am writing to request the removal of unauthorized credit inquiries on my Transunion credit report. My latest credit report shows XXXX credit inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I share an Amex credit card with my wife XXXX XXXX. On her XXXX credit report, it shows there is a remaining not paid balance of {$250.00} with Amex. But on my XXXX credit report, it shows the Amex balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called XXXX, they said they had no idea why Amex had not reported on my wife 's report in one month, and they suggested I call Amex for assistance. When I called Amex, they too had no idea and suggested I call XXXX for assistance. I honestly feel like my wife is being targeted due to her XXXX 

Last update of her XXXX credit card balance was exactly one month ago. Not only that, every time we use our Amex card, within the hour we pay off the entire balance. It's not fair that Amex reports the balance immediately to the credit agencies, but Amex doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

In XX/XX/year>, I used my Citi bank card to order from XXXX. What occurred afterward was terrifying on XXXX XXXX XXXX following purchase took place XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I file a dispute with citibank and on XX/XX/XXXX XXXX was withdrawn from my checking acct. XXXX acct was compromised. As a XXXX customer of citibank this decision has made me consider another institution Unhappy client Citibank XXXX XXXX
Product: Debt collection

This account was opened fraudulently i Did not give medicine to anyone to open this account under my name or Social Security number Continuing to keep this account open will result in a lawsuit
Product: Mortgage

I received HAF loan to help with covid 19 pandemic. Was approved for money to bring my mortgage current by HAF program and funds were released to PPH mortgage. 
PPH received the loan from HAF program and brought the loan current but then added a second mortgage to my property for {$28000.00}.

I called several times and spoke with supervisors to remove the added second mortgage they added after the loan was current and got the run around of why the second mortgage was added and tried to tell me that was an overdue amount which is untrue. The HAF program paid all overdue amounts. The second mortgage I understand is predatory lending practices which they have done several times no. First time was my original loan with Saxon mortgage. 
They stole about XXXX so far in payments. They then became Ocwen Mortgage then switched to PPH mortgage and I have them attaching {$28000.00} as a second mortgage to my property in another attempt to steal money from our family. 
Please Help .... 

Regards, XXXXXXXX XXXX
Product: Vehicle loan or lease

I refinanced my loan in XXXX with a different company, the car is now paid off and they are still maintaining a lien in North Dakota. 

I contacted them to get a lien release, and they informed me XXXX XXXX ( who took over the loan ) would have to request the lien release. 

I contacted XXXX XXXX, and they informed I would have to contact Westlake Financial to get the lien release.
Product: Credit card or prepaid card

I did not authorize this purchase on XX/XX/2018. I told Citibank that this transaction was UNAUTHORIZED on my behalf. They gave me conditional credit of {$15.00} but then reversed it back out on or around XX/XX/2018. They also gave me a new debit card so that this dishonest merchant ( XXXX ) would not charge the card again. But they still need to credit my account for the {$15.00}. The acquiring bank XXXX XXXX XXXX handles XXXX account. But they have ignored the request even after I cancelled the account with XXXX for which I did not authorize the transaction. I sent Citibank proof of the cancellation on XX/XX/2018 and they still have not granted me the {$15.00}. I am NOT stupid. Nobody is going to steal money out of my checking account without an aggressive response. This is bank fraud and wire fraud. I will be contacting the FBI AND LOCAL LAW ENFORCEMENT if this matter is not resolved soon. 

CLAIM # XXXX
Product: Mortgage

When COVID happened, WF had a link on their website to what " appeared to inquire '' about the temp bailout of 3 months that was available. My husband said what appeared to be information purposes only, he clicked on the link to get more information and thought XXXX, we were enrolled. He was quite alarmed. The following day I called the WF XXXX Branch to discuss this - they accessed my account and assured me that I would have to have a conversation and be approved for the program and that you could just not enroll online. They said not to worry about anything that conversations have to be made. I stated WE DO NOT WANT TO BE IN THE PROGRAM we inquired about it by clicking a link. By doing this, they shoved us into a modification loan that we did NOT ASK FOR. In fact, we have auto pay and have never missed a payment and continue to make our payments. When I spoke to the rep today that disrupted our dinner telling us that our suspension ends soon I was ALARMED. I told them we have never missed a payment and we never asked to be signed up or requested the modification loan. After 48 minutes on hold, they transferred me into a dept that said I was at the highest level I could be at and that it showed I enrolled. I want IMMEDIATE correction to this. We never asked for this and just because a consumer inquires doesn't mean you have the right to shove us into a program that has long term effects. I demand this to be corrected. We have never missed a payment, this XXXX me off WF. Is it your way to avoid refinancing thousands of customers while rates are low to state I entered into a modification program when I didn't. I DIDNT AND I WANT THIS CORRECTED.
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 XXXX : 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 : Accounts : XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent XXXX and Trans-union certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to  address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

Last week around XX/XX/XXXX my wife tried to make a withdrawal from a joint savings account we have. The withdrawal was reversed and we weren't aware until she logged into the Marcus app to see the status of the transfer. She tried to call to see what the issue was because we did miss the call. The original rep was able to verify her info and see our account. They had to transfer her to the Marcus Security analyst in order to verify her further. The security team asked for a phone number to send a text to in order to verify, we gave them both her number and my number that are listed on the account. they stated the numbers were not valid. Being that we live in New York they weren't able to use our drivers license either. They stated they had no other way to verify my wife so they had to open a case. When asked if they can provide written document stating the issue they could not do that. When i called they stated there was no issue on my end but wouldn't allow me to make any transfers from the joint account. For Marcus to be holding our money without giving us a valid reason to why they cant allow us access to the money doesn't make sense. I asked if I could close the joint account and they said I can't due to the issue they have with my wife.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports