23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. 
She was not able to win and we had to come to a settlement with the other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX  - XXXX {$120.00}, XXXX  - XXXX - {$1400.00}, XXXX XXXX XXXX XXXX XXXX  XXXX {$6.00}, XXXX  - XXXX XXXX {$740.00}, EQUIFAX - XXXX XXXX {$4400.00} Inquiries central, XXXX XXXX XXXX XXXX
Product: Bank account or service

I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, XXXX XXXX
Product: Debt collection

Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex husband accessed credit card after divorce the debt is his
Product: Checking or savings account

XX/XX/2022 The amount thats was taken from my account fraudulently was a total {$630.00}. I filed a dispute immediately with my bank and my bank denied the dispute and told me that I could appeal it and that I would have file a police report and I did as well as submitted the police report to the bank. 

XXXX XXXX, 2022 I was on the line with current bank when someone hacked my account and began taken money from my account. I was watching my money being depleted from my account and the person who was hacking my account was in another state from me. The amount that was taken from me was {$500.00}. And once I filed the dispute the bank did not give me my money back.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have never been late with payments on this account. Balance on the account is wrong.

XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : Follow-Up on Dispute and Request for Verification PLEASE REMOVE ACCOUNTS OFF CREDIT REPORTS XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX To Whom It May Concern, I am following up on a previous dispute regarding inaccurate accounts reporting on my credit report, which your bureau maintains. On insert date you mailed the first letter I sent a letter requesting verification of these accounts. On date of letter they sent you, I received a response from your office stating that the accounts were verified. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( C ), I am formally requesting a description of the method your bureau used to verify the information related to my dispute. This includes details about the procedures followed and any relevant documents or evidence that were relied upon in reaching your conclusion.

Per FCRA Section 611 ( a ) ( 2 ) ( C ), you are also required to forward all relevant information used during your investigation to the furnishers of the disputed information to ensure a proper review.

Please provide this information within 15 days, as required by the FCRA. If you can not provide this documentation within the required time, I respectfully request that the negative items be deleted from my credit report.

Attached, you will find copies of all documents included in my original dispute. Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I contacted Dovenmuelle Mortgage requesting to remove the PMI from my mortgage. As instructed by the bank, I Mailed them a check for {$450.00} to have the appraisal done and they chose XXXX XXXX XXXX. On XXXX XXXX, the appraisal was done and it was determined that the house was worth {$630000.00}. When I reviewed the appraisal, I immediately noticed that the appraiser failed to include a house located on my street ( about XXXX houses away ) that is identical to ours in architecture-same interior and exterior layout and square footage ( a XXXX XXXX ) which sold for {$760000.00} on XX/XX/XXXX. It is evident that the appraiser is inexperienced and unfamiliar with the real estate market in my neighborhood ( XXXX XXXX in XXXX XXXX, XXXX, NY m ) ; the appraisal company used by my mortgage company is located in XXXX. 

I decided to contacted XXXX XXXX, the company that sold the property for {$760000.00} on my street and they provided a market comparable analysis on my property and the value came back at {$740000.00}. After numerous failed attempts to speak with a representative from Dovenmuelle Mortgages Research department, I decided to pay for an additional independent appraisal, even though this was not requested by the mortgage company. The appraiser from XXXX XXXX XXXX XXXX XXXX determine that the house was worth {$760000.00}. Furthermore, the appraiser reviewed the appraisal done by XXXX XXXX XXXX and provide a rebuttal letter detailing the mistakes made by this company. I submitted the new appraisal along with the rebuttal letter to my mortgage companys Research department in XX/XX/XXXX and I received a final response from the company a few weeks later stating that the value of my home was {$660000.00}. I called the mortgage company and I spoke with the customer service manager who apologized for all of the inconvenience, but she couldnt help as she was not from the research department. I do not understand when and how it was determined that the value of my house increased to {$660000.00} when a new appraisal was never done by my mortgage company. Was this determination based on the independent appraisal and rebuttal letter that I provided? All I want is for a new appraisal to be done by a company that is familiar with the XXXX XXXX/ XXXX XXXX XXXX , but i have not been able to speak with a representative from my mortgage companys research department who would be able to explain the reasons behind their decision and if my request for a new appraisal can be granted.
Product: Mortgage

My Mortgage was transferred from XXXX XXXX To Freedom Mortgage, XX/XX/2020 I got an offer in the mail from Freedom mortgage around the last part of XXXX to lower my interest Rate I called them and talked to their representative XXXX XXXX His sales pitch was to lower my interest rate and 2 Skipped Payments in the amount of around {$3000.00}. This was a lie. I even called him back because closing told me I would only skip 1 payment, I stopped the process until I Talked to him. He assured me closing didn't have the final say he did!

I should have been more aware of a fast talker, Because It was in all actuality 1skipped payment. when I realized it and contacted Him He  said I should of held my XXXX payment and it was my fault. 
Because I had Already signed up for Direct Payment to Freedom Mortgage, My XXXX Payment was already pulled from my bank When we were in the process of Talking and signing this loan. So no w

ay I could Hold it. I assume When you are promised something to get you to sign up for a loan that Freedom Mortgage Should Stand by What They Say.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to Experian that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Checking or savings account

Wells Fargo, my account was from XXXX. Was under XXXX XXXX. Constant overdraft fees and atm fees when told it would be refunded never was. Over drafted my account almost XXXX closed my account. Auto loan paid off and refuse a XXXXXXXX XXXX. Another company never paid back from gap insurance as supposed to and advised.
Product: Mortgage

I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and original creditor XXXX XXXX sent letter to credit reporting agency in regards to not having any written consent to report anything on my consumer report. Under 15 U.S 1681b- Permissible purposes of consumer reports In General Subject to subsection ( C ) any consumer reporting may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

No consent is Identity Theft. Concerning the account listed below as the consumer I am demanding a deletion of these accounts.

Account Account Number US Dept ED XXXX XXXX XXXX XXXX Inquiry Inquiry Date XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> To Whom It May Concern, This letter serves as a follow-up to my initial CFPB complaint against Experian regarding the inaccurate reporting of account # XXXX ( XXXX XXXX XXXX ), which falsely shows 33 missed payments, as well as notice of my final demand for resolution. 

I previously disputed this error with Experian multiple times between XX/XX/year>, and XX/XX/year>, providing evidence to demonstrate the inaccuracy of this account. Despite my efforts, Experian failed to conduct a reasonable investigation or correct the error, as required by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, Experian responded to my CFPB complaint, stating that the inaccurate account would remain on my credit report. This response highlights their negligence in addressing the matter and their continued failure to comply with FCRA requirements. 

The inaccurate reporting has caused significant financial and emotional harm, including lost credit opportunities, higher interest rates, emotional distress, and the time and resources spent trying to resolve this issue. Experians failure to act has only worsened the damage caused. 

This letter also serves as notice that, should Experian fail to address this issue adequately, I will pursue all available remedies under the law. I expect full resolution of this matter no later than XX/XX/year>. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute inquiry SyncbXXXX XXXX XXXX 
This is not authorized or signed by me. Please Delete.
Product: Credit reporting or other personal consumer reports

Between XXXXCredit collection services updated a paid and closed account on my credit report to say it was closed on XX/XX/XXXX. This original account was through XXXX I paid/settled the account on XX/XX/XXXX with credit collection services and the account was updated correctly back then. They originally opened a collections account XXXX XXXX but they reported it as a new collection account being opened between XXXX. I feel I am being discriminated against because i will not pay my current collections account with them from progressive. I have been calling them every month since XXXX and they say they are not offering a settlement and i say thank you and disconnect. XX/XX/XXXX I paid {$XXXX} of my {$XXXX} balance. The new balance of {$XXXX} that was reported as a new collection account on XXXX is incorrect its not a new collections account. They purposely reported XXXX new open collections on my credit report re-aging the debt owed which is unfair and illegal and caused my score to drop XXXX points. Credit collection services I want the accounts removed immediately or you leave me no other option but to seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/XXXX  XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/XXXX XXXX XXXX amount of {$690.00} reported on XX/XX/XXXX  XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/XXXX in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I writing with concern to amend and dispute information regarding complaint submitted case number XXXX Bank of America. This will be a new complaint. 
Bank of America stated in a letter I receive that they never received information from my Lawyer regarding a request for reaffirmation for my home loan. My lawyer have sent me documents request that was sent to Bank of America. That confirm that Bank of America receive the request for reaffirmation. On XX/XX/2016 letter explaining they never receive information for my Attorney also enclosed with the letter I receive document for Bank of America that shows incorrect address. Bank of America did n't not send document to my physical address XXXX, Texas. I will fax all documents.
Product: Credit reporting

I am a victim of identity theft. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

Bank of America approved to us a merchant account - E-commerce- through XXXX using XXXX XXXX. In XX/XX/XXXX they didnt deposit {$2000.00}, and the next day we received a email from XXXX they solicited some information about some processes, and we responded immediately. One week later, after several emails and calls, they sent us other email soliciting the same information. They never answered what happened with our money, only we received two calls from Ms XXXX XXXX from XXXX XXXX, she said that our case is in process, but what? We called and sent several email, but they didnt answer. In XX/XX/XXXX we received by mail XXXX Notice of Termination and Reserve. They decided keep our money for long time to protect of chargebacks. We sent email with the Payment authorizations from all our transactions, 13 in total. Its no fair, they have these authorizations, they have to deposit the money in our account. Our clients received their products satisfactorily. Our first transaction was in XX/XX/XXXX and last XX/XX/XXXX, but the merchant withdrawaled {$210.00} dollars for one month of fess and services, incredible!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA/COMPASS SOLD OUT TO XXXX XXXX, WE HAVE AN AUTO LOAN THAT IS REPORTING LATE AND THEY KEEP CALLING OUR CELL 31 TIMES IN THE PAST 45 DAYS AFTER CEASE COMMUNICATION REQUESTED ALSO, CHARGE US LATE FEES.IF YOU DON'T CORRECT ASASP AS WELL CREDIT REPORTING ERRORS WILL START CLASS ACTION LITIGATION TODAY. LOAN NO.XXXX