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

Subject : Request for Removal from Collections Due to XXXX Data Breach Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of the XXXX data breach on my financial standing. My personal information was compromised during this breach, which has adversely affected my credit and led to the involvement of several collection agencies. 

Specifically, I am requesting immediate removal from the following collections : - *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to the unauthorized access to my personal information, I believe that these collections are a direct result of the breach and do not accurately reflect my financial behavior. I have taken steps to secure my identity and have reported the breach to the appropriate authorities. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

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

I am reaching out to notify you that I have fallen victim to fraudulent activity. In my efforts to understand how to remove fraudulent items from my credit report, I learned that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As stipulated by FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report, with reference number XXXX. The attached documents should facilitate the removal of the fraudulent accounts, erroneous personal information, and inquiries from my report. Below is a list of items that were added without my authorization : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance Owed : {$53000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$28000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$58000.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$58000.00} XXXX : XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance Owed : {$53000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX Balance {$640.00} XXXX XXXX  XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$58000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XXXX  XXXX  XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from identity theft within 4 business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed 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: Credit card

In XX/XX/year>, I made XXXX XXXX payments to Citibank Home Depot to pay off my balance. No other charges were made, however, in a couple of months, I received a bill from Citibank in the amount {$100.00}. Citibank said XXXX of the payments did not go through in XXXX, even though I had confirmation from Citibank XXXX XXXX and my bank to prove the transactions occurred. After several telephone calls and no resolution, I forwarded my bank statement highlighting the payments made to Citibank Home Depot. I even sent the copies twice to XXXX different locations... still no resolution. It is now XX/XX/year> and Citibank Home Depot has sent bogus statements showing incorrect charges applied to my account. I disputed the charges again and Citibank closed out the account and issued a new credit card. I never received the new credit card but they issued a new account number. I advised Citibank that I never received the new card but they didn't care... they only wanted me to pay the {$100.00} they lost or applied to another consumer 's account. In XXXX, frustrated, upset and feeling as though Citibank was practicing deceptive credit card practices, I went to my bank and told them what was happening. XXXXXXXX XXXX  confirmed the amounts were not reversed and in a couple of days, they reversed the original {$100.00} payments that were paid in XXXX back to my checking account. When I realized they had reversed both {$100.00} payments, I immediately send it to Citibank Home Depot. Surely, this would prove both payments were made, however, Citibank did NOT correct my account instead they sent me another statement showing a new balance and no indication of the reversal transactions or the resubmission of payments. I am so frustrated with this big company 's unscrupulous credit card practices. Even though I have contacted the company on numerous occasions, spoken to supervisors, requested an escalation process but no avail, they won't even call me back. I am tried, I am old and I need someone to assist me. I feel like I am a victim of predatory lending and Citibank Home Depot don't care about getting the issue resolved in my favor, they just want me to double pay twice for the same account. I fear they are going to ruin my credit and my livelihood. One of the Citibank reps said, we know everything about you so it's no need to block out information on your bank statement. There are hundreds of complaints about the credit practices of Citibank Home Depot, CFPB please H E L P!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

I sent a money order to XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX  for {$450.00} which was processed on XX/XX/XXXX. The XXXX at XXXX XXXX has also sent me a ledger and a letter saying that I have paid the {$450.00} in full. National Credit Systems still insists that I owe XXXX XXXX XXXX XXXXXXXX XXXX the original {$450.00} even though I paid in full 6 months ago and have sent the ledger and letter as proof to the National Credit Systems email. I have even disputed this charge with XXXX by sending in the ledger and letter on XXXX In turn, XXXX has reported that there is a {$0.00} balance for this account. Yet for some reason, XXXX still has not closed this account and insists that I owe the {$450.00}. When I ask for proof they have contacted XXXX XXXX XXXX XXXX XXXXXXXX about the original {$450.00} or for a status report they become very disgruntled. They do not have proof that they have recently contact XXXX XXXX XXXX XXXX XXXX and do not have proof that this debt has not been paid past the date my payment was processed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The first complaint was withdrawn by an employee of CFPB by mistake. 
Indebted USA , Inc has violated my federally protected rights under the FDCPA. Indebted employee has contacted me multiple times violating 15 U.S.C.1692c-1. Provide the requested documents in attachments. And your now on notice to cease communication from all mediums, correspondence can be sent through cfpb or mail. Contacting me by any other medium will be a violation of my rights.
Product: Mortgage

XX/XX/2021 I wired a mortgage payoff ( {$160000.00} ) to Freedom Mort. Corp 's bank in XXXX, OH. ( XXXX ). My bank ( XXXX ) verified the wire transfer on this day. Monday, XX/XX/2021, the {$160000.00} previously wired, was returned to my bank acct. 
I have pay-off documentation that provided the bank acct. at XXXX to wire funds to. 

Customer service staff at Freedom Mort. can not tell me why the money was returned and it's already XX/XX/2021. It is costing me interest of this mortgage note every day they delay and do not respond. Can someone or some organization help me?
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$630.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Checking or savings account

On XX/XX/XXXX I reported unauthorized charges on my bank account ending in XXXX. I reported XXXX charges that were not authorized. On XX/XX/XXXX XXXX separate charges were made in the amounts of {$56.00}, {$110.00}, and {$24.00}. During this time my husband was rushed to the emergency room via ambulance. We lost possession of our devices and his wallet for hours until after his emergency XXXX. 

As of today, we have received XXXX separate notices indicated that no action will be taken on the disputed unauthorized charges. This was not verbally discussed with us and is a violation of our rights under the Fair Credit Billing Act ( FCBA ) - a 1974 federal law enacted to protect consumers from unfair credit billing practices. Proper research will prove that those purchases were not authorized. 

We are requesting full details such as a detailed receipt of how the payments were made, identifying merchant information and services provided. The transactions disputed, claim numbers are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have several accounts and dates that are reporting inaccurate and are not reporting correctly. Please take a deeper look into my accounts to varifiy total and complet accuracy as stated in 15 U.S. code 1681e. Any an all inaccurate accounts I should be removed pronto. Thanks in advance.

Best Regards P.S Please feel free to contact me via Email if you have any questions or concerns.
Product: Checking or savings account

Wells Fargo Case XXXX last attempted to be addressed XX/XX/23 My checking accounts were all closed suddenly due to concerns about fraud when I fell for a scam and my account password was compromised. The scammers attempted to deposit and subsequently withdraw fake checks multiple times ( all in the same amount, remotely ). 

I understand closing the account for fraud concerns. I dont understand being prohibited from opening another checking account with them ever again. I have continued to make payments on my Line of Credit and credit card that is still active with them, which are much more difficult to use and/or pay without the ease of transferring funds instantly to and from a Wells Fargo account via the mobile app or online. I have to draw from my Line of Credit via a XXXX minute process inside a physical branch location each time in order to transfer to an outside bank. 

Im writing primarily to complain about the sudden account closures with no ability to appeal the closure and/or open a new checking account ever again.
Product: Mortgage

Applied online for a mortgage refi on XXXX. 
Spoke with the loan salesperson, XXXX XXXX on XXXX. He ran my credit and provided me a loan estimate verbally of XXXXXXXX XXXX rate {$250.00} in lender fees, zero points, and 2.875 % /2.888 % APR. On XXXX, I downloaded Mutual of Omaha 's signing application and started unloading all the necessary docs to include paystubs, taxes, banking and mortgage information. The disclosure # 1 that I received was accurate, dated XXXX. I signed it and asked for them to lock my rate. On XX/XX/XXXX, I received a 2nd disclosure with a completely different loan amount and points. I declined this and inquired with the mortgage agent as to why the loan was changed and why there is a point. He said it was a backoffice, clerical error. In the meantime, I had an appraiser scheduled to come on XX/XX/XXXX. This would cost me {$490.00}. I didn't want him to come if the loan was incorrect. So, I feverishly reached out to my mortgage agent, XXXX XXXX, and asked him to get me a corrected, locked disclosure. Again, he reassured me that the loan info showing in the app and the disclosure was incorrect. On XX/XX/XXXX, the appraiser reached out to me and rescheduled to XX/XX/XXXX. I again reached out to XXXX XXXX and said that I can't have the appraisal done if the loan is wrong. Again, he assured me that everything on disclosure # 1 is the correct loan. The appraiser appraised the property at {$18000.00} more than what I estimated for the loan. I shopped for title services and placed a {$250.00} deposit with a title company. I have since received two closing loan disclosures starting XXXX that are both incorrect. I declined them both. The lender refuses to adhere to their original offer and has not provided any reason for why they changed the disclosure. My credit scores did not change and my wages actually increased in the meantime. The property value increased as well. This appears to be a classic bait and switch tactic. Please assist. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I submitted a Consumer Complaint asking for a Complete investigation on 4 Accounts on my Credit profile from Experian, I sent in the introduction letter along with my identification copies explaining in details how these accounts are not legally supose to be on my Consumer Credit Profile due to inaccuracies and possible fraud and explaining the Laws they have concerning posting wronngful information, Not having Consent, inaccurate information and other reasons. 

I haven't heard anything back from them since XX/XX/XXXX of last year so I sent out another set of complete information asking for a investigation on the same four accounts This year XX/XX/XXXX since I sent the Certified Letter that I have proof of with this letter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed. 

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. 


XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

no license found for state of IL, and XXXX greatly exceeds that what IL allows.
Product: Money transfer, virtual currency, or money service

This problem happened after my XXXX account was hacked last XX/XX/year>. 

So these were the transactions they were able to get from my bank account XXXX XXXX XXXX XXXX XXXX XXXX ) through the company Remitly, an online money transfer company : RMTLY* 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 Total {$1900.00} All these transactions were 15 total in one setting. It is impossible for the company to not notice this kind of fraud. Although my bank should have notice it too. 
My bank finally gave back all the money taken away from me yesterday, XX/XX/year>. 

Hope some measures will be taken to address this problem.
Product: Debt collection

On XX/XX/XXXX I received a notification from my credit tracker indicating that I had a new trade line opened. After further researching it wasn't a new trade line rather a collection reporting made by Elevate Recoveries , LLC. I was shocked because I had never heard of the company nor had I received a validation of debt. I researched the company and located the toll free number online. I contacted the company the same day to inquire about the validation of debt. The representative indicated that they mailed out a validation of debt notice on XX/XX/XXXX. I asked why had the debt been reported if I hadn't been contacted or had the opportunity to dispute the debt and the collector indicated they had attempted to reach me and my voicemail was full and the account had been on their system since XXXX. I disputed the fact that any calls had been made or contact had been established and wanted to understand how the credit reporting took place without sending a validation of debt or establishing contact. The collector indicated they were not in violation of FDCPA which I disagreed and advised I would be filing a complaint. She indicated she would transfer me to a supervisor and ultimately XXXX transferred me back into the collection queue. Additionally, the IVR nor the collector provided the mini-miranda when I called nor during the phone call. 
The next day XX/XX/XXXX I received a settlement offer/validation of debt that was mailed to my parents address. The letter was dated XX/XX/XXXX and provided me with the opportunity to settle the debt in addition to validate it at the same time. The validation of debt notice was not clear and conspicuous, referring me to the back of the notice for all consumer related information. The notice did not include a tear-off form to send back to the debt collector to dispute the debt or take other actions, nor did the creditor wait a reasonable amount of time prior to submitting negative information to the credit bureau XXXX 
The reporting to the credit bureau, not only negatively impacted my score, decreasing it by XXXX points, the reporting also impacted my ability to move forward with a transaction that I was currently in the process of finalizing. The company acted reckless and not only provided me with false information when I called, they also are proceeding with credit reporting without allowing consumers the opportunity to dispute the debt in addition not providing a fully compliant validation of debt notice. The company did not provide an itemization of the debt owed, just a full amount and doesn't list what services were provided. My credit is damaged because of this reporting and I would like it removed immediately and will be reaching out to my attorney for information on how to file suit against the company and collector for failing to provide the mini-miranda and disclosing that their collect efforts were met because they attempted to contact me and my voicemail was full and never made established contact.
Product: Debt collection

I lived at the XXXX XXXX XXXX XXXX back in XXXX. I left in XXXX. After a XXXX year contract. Was paid up in rent and given my security deposit back when I moved out. No money was owed to this complex. I have just recently learned that I had a collection after viewing my credit report from XXXX XXXX XXXX in regards to this. I never received notification from the apartments or from this debit collection agency. I do not owe this debit of {$XXXX} nor do I own it.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited XXXX XXXX GMC dealership for the purpose of trading in my XXXX XXXX XXXX. My salesperson, informed me that my payoff for the vehicle was {$24000.00} which was incorrect. After reviewing my GM Financial Contract and talking with multiple employees at GM Financial, I discovered that GM Financial is fraudulently " overcharging ''. My first payment of {$570.00} of 75 payments- started on XX/XX/XXXX. An unknown customer service representative from GM Financial informed me that I have paid over {$18000.00}, so far. 
The total price of the vehicle, according to the contract, is {$43000.00}. The Finance Charge for the vehicle ( for 75 months NOT 30 months ) is {$11000.00}. GM Financial is failing to reduce the FINANCE CHARGES for early termination of contract.