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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Please re-investigate the payment history ) Trade : XXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Please re-investigate the payment history ) Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ( Balance and payment history is inaccurate ). 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

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

XX/XX/XXXX Experian, This is merely a paper trail so I can pursue damages in court to take legal action against Experian. I have sent in all the documentation needed to remove this address from my credit report. I have sent certified mail and filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) attaching the documentation as well with those complaints too. XXXX XXXX XXXX, XXXX, OH XXXX is not my address. I have lived in Nevada since XXXX. There are accounts that is attached to this address are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these accounts are attached to the above address. I called the fraud department on XX/XX/XXXX and spoke with someone by the name of XXXX. He told me even though I sent in documentation that he still REFUSED to remove the erroneous address and accounts attached to that address on my Experian credit report. I told XXXX it is against the law to leave information on consumer credit report when supporting document has been sent in. Experian has acted like they have never gotten my police report I sent years ago. Experian act as if they never gotten any certified disputes through the mail. XXXX stated I needed to call the companies on my report that is reporting information that does not belong to me. I can not give these companies information that I am not aware of and the companies have not responded to my phone calls to remove information that does not belong to me! The burden of proof is not of the consumers when Identity theft or name mix-up is concerned. Im sure Experian remember this lawsuit below In XXXX XXXX Experian Information Services, the plaintiff XXXX XXXX Experian credit report was merged with another persons, who was deceased but had opened up accounts prior to XXXX being born. XXXX filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and XXXX then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. I have reached out to the law firm of XXXX XXXX XXXX, XXXX. who will be proud to represent me in this situation. 

The lawsuit above is similar to what Experian is putting my through! Stop sending me repeated pre made letters stated verified! It is a lie! Experian did not verify NOTHING! 

Remove the address, remove those accounts attached and send my updated report to : Email : XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX attached police report and bank statement for my address verification
Product: Debt collection

Last year I sent a verification letter to collector asking for more information about 5 account in collection ( medical debt ). They did not send any proof. The collection agency only updated the accounts in collection with the following remark : ACCOUNT INFORMATION DISPUTED BY CONSUMER. 
Account Numbers : XXXX, XXXX, XXXX, XXXX & XXXX.
Product: Credit card or prepaid card

Received 2 American Express gift cards from my son, each with {$100.00} on them. Expiration dates are XX/XX/XXXX and XX/XX/XXXX. Had them for about a year or two, went to use them and was denied! After calling American Express, found out that they had turned over the money to the state ( Massachusetts ) for unclaimed money even though the expiration dates were good till XXXX! My son doesnt have the receipts for them, assuming everything was fine! So with no name or receipt to link these cards to me, I cant claim them!! I would like the money back that was rightfully mine and I have the 2 gift cards. Why cant I get the money?
Product: Mortgage

Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit file that came about due to an alleged identity or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX  XXXX XXXX : {$6100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of 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
Product: Debt collection

I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.
Product: Credit card or prepaid card

On XX/XX/2020 my card was reported stolen. I contacted the capital one and the charges were reversed. Subsequently, the on XXXX statement {$410.00} was reapplied to the account. I called multiple times and the company said they were still researching the charges. It is now XXXX and no credits have been applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my Equifax consumer report via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE via mail from Equifax.
Product: Mortgage

My payments were on forbearance due to the pandemic which ended in XX/XX/21. At the same time, I sold the property in the same month. I also informed SLS that it was sold and needed a payoff amount that is in agreement with NC Status. 

XXXX. SLS repeatedly did not give a payoff amount to the closing attorney as per NC Status. 
XXXX. SLS also charged me additional charges for the property which I was never in foreclosure. 
XXXX. They declared all my forbearance time as late payments. 

Due to the fact that they would provide me or the closing attorney the payoff amount per NC status I had to pay additional interest charges. They also charged me additional fees for the house which I was never notified. 
I never received any notice that the house was in foreclosure. 

I would like all charges for the hose and interest refunded to me.
Product: Money transfer, virtual currency, or money service

PNC Bank. They add ghost fees and make it extremely difficult to use, " your own money. '' Now on top of the fee that they take out of my account, to use my money for their own investments, I have to go through all sorts of loops to be able to invest myself. 

They have no problem putting fees on time-sensitive services, such as ; to have a check available immediately through mobile deposit, you can pay a ridiculous amount. Or you are stuck waiting 2-3 days to have accessible funds. Keep in mind, I have been with this bank for over 12 years. 

Why else do you think crypto or decentralized money is so popular among young people? We are tired of being taken advantage of and having no other options. Now, we are seeing more options - but still have many issues with directly investing. Big banks better find some compassion, fast. Or you will get left behind by our generation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$360.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts that I have been disputing since XX/XX/2020 I have. These accounts are not mine I have no idea who opened these or how. I have filed an FTC report I have A notarized Affidavit for Identity theft and I have written over 5 letters to the bureaus I have called them but nothing no verification no help I feel ghosted and I feel like I have to deal with someone elses doing an go thru a year of hassle for these accounts this is my last resort please help. 

XXXX XXXX XXXX  Acct # XXXXAmt {$14000.00} XXXX XXXX XXXX Acct # XXXXAmt {$3200.00} XXXX XXXX Acct # XXXXAmt {$5600.00} XXXX XXXX- Acct # XXXXAmt {$2200.00} XXXX XXXX XXXX Acct # XXXXAmt {$10000.00}
Product: Credit reporting

Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.
Product: Mortgage

RE : XXXXXXXXThere is a real problem with your system because CFPB does not provide any means to communicate with the agency for an ongoing complaint. This is a response regarding a communication from Wells Fargo for the above referenced complaint. 

Wells Fargo is once again lying by stating that it has not been able to contact me. In fact, I spoke with their representative on XXXX occasions since filing the complaint and have been in constant contact with the single point of contact. In the conversation with their executive office representative, he indicated that he could do nothing but review documents from the modification. They refuse to do anything to address their years long refusal to refinance this XXXX mortgage and repeated attempt to force me into short selling my home even when the XXXX mortgage is current and the owner of that mortgage has no interest in foreclosure. 

Someone from CFPB needs to actually step in here as this has been going on now for over a year. I have yet to see the agency do anything more than pass complaints on to Wells Fargo. Where is the consumer protection here? 

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 USC 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 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: Mortgage

Green Tree Servicing LLC took an extra {$380.00} out of our checking account for the month of XXXX, 2015. Our normal payment is {$1700.00}, Green Tree upped the payment to {$2000.00}. We called and found out that a person with the same first and last name and a different middle name, home owners insurance was paid out of our escrow account. There was {$3000.00} taken out of our escrow and our mortgage payments were re-figured to cover the cost of the {$3000.00}. Green Tree told us we had to pay the extra {$380.00} to cover the amount taken out of the escrow even though it was their mistake. We canceled our automatic payments hoping this would be resolved by XXXX XXXX, 2015. Green Tree had n't collect the money from the other person by XXXX/XXXX/15 so we were required to pay another {$2000.00}. We sent a message to Green Tree on XXXX/XXXX/15. On XXXX/XXXX/15 {$3000.00} was put back into our escrow account. But Green Tree still owes us for the extra we paid in XXXX and XXXX. We were contacted by mail saying that they were looking into the matter and would get back to us in 30 days from the message we sent. We have never been able to talk to anyone other than customer service. Same with our attorney. The attorney called today and Green Tree stated that the money they owe us was taken care of when they deposited the {$3000.00}. back into our escrow account. 
This is the message we sent to Customer Service on XXXX/XXXX/2015. 
I just made another mortgage payment of {$2000.00} for XXXX mortgage payment. I also paid {$2000.00} in XXXX. The normal mortgage payment is {$1700.00}. This mortgage payment was increased because you paid for the other persons home insurance {$3000.00} out of my escrow account. When I look at our escrow account online, it does n't show any of the updated changes. I would like a detailed statement showing the changes. I would also like a check for the amount {$770.00} ( {$380.00} for XXXX and {$380.00} for XXXX ), to be refunded to me to cover the amount taken out of my checking account to cover your mistake. I am paying out of my pocket, for your mistake. This is n't right or just. I have hired an attorney and letters have been mailed and faxed. I have been told that the escrow account ca n't be adjusted until you receive the funds from the other persons account. Please have someone other than a customer service representative contact me.
Product: Payday loan, title loan, or personal loan

The manager at luckmore finance ( XXXX ), XXXX XXXX XXXX XXXX XXXX has called and texted me several times during my work hours after Ive asked him not to contact me during those hours. He has called from his personal cell phone. Today, he called my job at about XXXX pm, and told the person who answered the phone that I requested him to call me- which was not true. He has already told me he would not contact me anymore and their attorney would, which would be preferred. Im attaching proof of him texting me and calling me from his personal cell phone.
Product: Debt collection

I have been disputing this account with the three credit bureaus since last year. The company was deleted last year off my credit reports and now it's back on my credit report. I have filed a police report and a FTC report. I called the company a few months ago to get the problem resolved and it still remains on my credit report. I even sent them a debt validation letter requesting them to send me documents but they failed to do so. I am a victim of identity theft and I never opened this account.
Product: Debt collection

Got notification from Jefferson Capital that they have taken over a charge off loan from XXXX of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either Jefferson Capitol is fraudulent and/or this debt was charged fraudulently. 
1 ) I have NEVER opened an XXXX XXXX XXXX ) I have NEVER CHARGED anything through XXXX 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from XXXX until now in XXXX which came with the documents sent by Jefferson Capital. The purported documents sent by XXXX through Jefferson Capital have no dates, address or any other identifying information to verify that this is indeed from XXXX. 
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from Jefferson Capitol.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Debt Verification Request Due to XXXX XXXX XXXX To Whom It XXXX Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX, Account # XXXX this account appears on Experian and XXXX for XXXX same account with diffrent account number this account is XXXX old Debt XXXX. I believe I am a victim of the XXXX XXXX XXXX data breach, and this debt XXXX have resulted from identity theft or fraudulent activity stemming from that breach. 
As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX