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

In XX/XX/scrub> XXXX a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from Experian on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.
Product: Checking or savings account

A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage and need to unfreeze all of my credit scores ASAP. Equifax is the only one that I have not been able to. Every time I log onto my Equifax it says they temporarily can not complete my request so I am not able to get into my account to unfreeze the credit. I tried multiple times for the past 24 hours with no luck. I also called them multiple times and they were unable to provide any help or ability to unfreeze my score.

I ended up making a new account with them as I saw online that worked. with the new account I am able to log in but it says " Freeze We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' Once again when I call they are no help with fixing this. I need to get this frozen immediately.
Product: Mortgage

Subject : Request for Assistance with Mortgage Issues at NVR Mortgage Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding a concerning situation with my mortgage lender ( NVR Mortgage ), XXXX XXXX ( XXXX ), who is handling my loan for a home purchase with XXXX XXXX XXXX. 

Initially, XXXX XXXX agreed to return my initial deposit before 30 days of closing, which I now understand is not being honored. Additionally, he advised me to lock in a high mortgage rate of XXXX  % for XXXX days, and deducted fees from my initial deposit without my signed agreement. 

As we approach the closing date, XXXX XXXX is not returning the promised funds from my deposit, despite previous assurances. Furthermore, he stated that he would apply all seller credits toward HOA, escrow, or closing costs without any losses. However, he is now changing his position on these commitments. 

I have made numerous attempts to reach out to him via email and phone, but he has not responded. This lack of communication, coupled with unexpected fees, is increasing my financial burden and leaving me uncertain about my options. 

I would appreciate any guidance or support you can provide to help resolve these issues with XXXX XXXX and ensure that the terms of our agreement are honored. 

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX contacted me i acknowledge the debt but the demeaner she used the threatening tactics about contacting a attorney in my area. I called back and asked for a purchase agreement XXXX  told me first it was in my file then they couldn't give it to me.
Product: Credit card or prepaid card

Account # XXXX Best Buy Card issued by Citi Bank XXXX charges beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have been charged {$11.00} per month for 6 years. My payment is taken directly out of my checking account, I do n't see my bills. I 've never authorized this protection plan.
Product: Debt collection

I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. 

I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline.

The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. 

US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.
Product: Checking or savings account

My accounts was opened fraudulent so now I am unable to open one
Product: Checking or savings account

XX/XX/XXXX I received an Email in regard to a settlement for Wells Fargo Bank for opening and closing accounts without permission or authorization. The Bank admitted to doing wrong. 
It also goes on to say any claims submitted after the deadline XX/XX/XXXX will be treated as timely. 

I submitted 8 or 9 checking and savings account combined Open without permission or authority to do so. I have attached accounts numbers prior to today. 

Two Banks accounts in particular account 1. XXXX XXXX XXXX checking. 
2. XX/XX/XXXX account XXXX were used w o permission or authorization. 

I had a checking and saving account XXXX and XXXX which both were link to my pension fund I retired XXXX and I was finalized in XXXX monies were put into these accounts which were not approved by me. 

Wells Fargo Bank I feel is solely responsible because you provided a safe for my money to be mishandled. 

I trusted this bank and did not know I had to look over everything. I was distracted but that is no reason to take advantage of me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/, 2023, and they are showing a balance is still owed as of XXXX XXXX, 2023, which has a negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

Sent out another Letter requesting to delete and remove old addresses and replace with new address.
Product: Debt collection

I received a call on XX/XX/2020 claiming there was already a case being brought against me in XXXX XXXX and that I would need to contact the debt collector 's legal department. They also threatened to contact my supervisor. I called the company and the woman I spoke with said I either had to pay an amount that is greater than what I owe during that phone call or I would be sued ( despite the earlier phone call saying there was already a submitted case ) and I would then have to pay more than double the amount. I have also received no written communication about any of this debt.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX Oregon XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

A while ago someone opened a payday loan in my name. I have not opened any payday loan. I have tried contacting the credit bureau and I tried to contact the company, but they are not easy to get a hold of. It has been on my credit report and the company at one point told me over the phone they would remove it. It has not been done yet. 

Back when they say it was allegedly open we were under bankruptcy so we could not have take at a payday loan. the bankruptcy was Chapter XXXX and our lawyer told us we could not open a loan so we did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX and XXXX XXXX Email : XXXX Call XXXX To whom I may concern, Our name is XXXX and XXXX XXXX We are disputing BB & T bank do to XXXX from XX/XX/XXXX to the present Care Act, Relief, deferment it shouldnt have gone to our credit Bureau As for the governor in Pennsylvania requested . For the past 4 month they have been giving us a hard time. They didnt really help solve our problems. We are about to lose our new home and {$30000.00} we put down payment. We lost time on work and our XXXX to plus our XXXX had to take time off with no pay. If you have any question, please feel free to give us a call. 





Thank you XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/XXXX ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Debt collection

I am formally disputing the validity of the alleged debt referenced above and requesting proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation as proof that you have a legal right to collect this debt : Proof of Ownership & Assignment A signed assignment contract between your agency and the original creditor, proving legal transfer of the debt. 
A copy of the original signed agreement between me and the original creditor that authorizes this debt. 
Validation of the Amount & Accuracy A full account ledger showing how the current balance was calculated, including itemized fees, interest, and payments. 
A certified affidavit from the original creditor confirming the validity and accuracy of the debt. 
Permissible Purpose Under FCRA ( 15 U.S.C. 1681b ) Documentation proving that your agency had a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, to access my credit report. 

Cease & Desist Notice ( 15 U.S.C. 1692c ) Under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication regarding this debt, except to provide the requested validation or confirm in writing that you will no longer pursue collection. 

Failure to Validate Requires Removal ( FCRA 1681e ( b ) ) If you can not provide the requested documentation within 30 days, you must : Cease all collection activity immediately. 
Request deletion of this account from all credit bureaus, as unverified debts violate the FCRAs accuracy requirement ( 15 U.S.C. 1681e ( b ) ). 
Provide written confirmation that you will not attempt further collection. 
Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will pursue legal remedies, including damages under 15 U.S.C. 1692k. 

Please respond within 30 days of receipt. Failure to provide proper validation will be considered a violation of federal law.
Product: Credit reporting or other personal consumer reports

I ask XXXX to verify and provide me whit my original sign contract whit SPRING OAKS CAPITAL LLC because a im not liable for this account they said is verify and update but never provided me whit proof
Product: Student loan

Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.
Product: Mortgage

Caliber Home Loans are demanding {$3000.00} or they are going to take our home. First of all we do not owe them XXXX we have been paying extra since our chapter XXXX and they are still saying we owe {$3000.00}. Chapter XXXX has paid them XXXX because they said we were behind XXXX payment. Then they approve us for a modification XXXX XXXX we filed chapter XXXX then but we thought we had the modification so we paid for a year the modification amount which they never told us they took it away so XXXX we paid extra to catch it up now it is all caught up and they are still saying we owe over {$3000.00} we do not want our home taken a way. Our mortgaged loan got sold three times. From XXXX to XXXX XXXX and now Caliber Home Loans they are frauds get us for more money that we do not owe please help us
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On all the credit reporting sites XXXX, equifax, and XXXX have reported false and unlawful information about my personal life. We have been damaged by this and drives from our right. 18 USC 241, 242 requires a payment of {$250000.00} to be made to me upon the infringement of my rights.