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

XX/XX/XXXX XXXX Complaint ID XXXX, Regulatory Compliance Manager from XXXX responded XXXX this complaint and stated " an update to reflect a zero balance deficiency would be report to all three major credit reporting agencies ; XXXX, XXXX and XXXX. '' I notified Harley Davidson by XXXX XX/XX/XXXX and informed the service representative that HDF is not reporting the correct information related to my XXXX credit report and that I had documentation from the Regulatory Compliance Manager that stated a zero balance was to be reported. To date HDF and XXXXXXXX XXXX continue to provide inaccurate information to XXXX. This is intentional as XXXX is the major bureau auto financing is relied upon. As a matter of fact, HDF outright stopped reporting any information or updating information to XXXX after this complaint.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Medical Debt Reporting Dear Sir or Madam, This letter serves as a formal demand to investigate and rectify the inaccurate reporting of a medical debt that has been erroneously reporting to my credit report. The debt in question is detailed as follows : Creditor Name : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX Reported Balance : {$550.00} Date Open : XX/XX/year> Account Number : XXXX I unequivocally assert that I have no financial obligation to XXXX XXXX MD XXXX. This alleged debt is not only baseless but constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate, verifiable, and substantiated. 

The continued presence of this inaccurate information on my credit report is materially harmful and unjustly impacts my financial standing. Pursuant to my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I demand the following : Immediate Removal : The removal of this erroneous account from my credit file across all credit reporting agencies.

Verification Documentation : Proof that substantiates the validity of the alleged debt, including any contracts or agreements bearing my signature.

Written Confirmation : A formal acknowledgment of the resolution of this matter, including confirmation of the removal of the disputed account from my credit report.

This matter must be resolved within the legally mandated 30-day period from the receipt of this correspondence. Failure to comply will leave me no choice but to pursue all available remedies, including but not limited to, filing a formal complaint with the Federal Trade Commission and initiating legal proceedings to enforce my rights under the law.

Please be advised that I expect prompt attention to this matter to avoid further escalation. 

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

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX 15 U.S.0 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting

XXXX wireless illegally tacked on late fees to my phone bill even though I paid for the usage on time, every time. The original late fee occurred because XXXX 's website was not operating properly when I made a payment. From that point on, XXXX tacked on an additional late fee every month because I refused to pay the original late fee due to their website glitch. The total amount in late fees is {$110.00}. XXXX sold this alleged debt to XXXX XXXX XXXX. I have filed numerous disputes with the credit reporting agencies only to be told that XXXX XXXX XXXX says that I owe this money. The credit reporting agencies have no paper work or XXXX billing from XXXX showing that this is a legitimate and legal collection. They are simply taking XXXX 's word that this money is supposedly owed. This {$110.00} in late fees is not owed. I paid for the services used on time and will not pay these false late fees. This is extortion. In contacting XXXX, I get a big run around, and, ultimately, they will not remove this false collection from my credit report. Since when do collection agencies tell the credit reporting agencies how to manage credit reports? This first complaint is against TransUnion. Attached please find copies of the bills in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was first notified by my lender that there is a freeze when trying to pull my credit from Equifax. I contacted Equifax and they said that I do not exist in their system. I have faxed documents proving my identity multiple times and yet still nothing. I continually call and talk to someone who is unable to help me update my information and remove the freeze from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

Experian : XXXX - Date opened XXXX XXXX, XXXX. 
1. XX/XX/XXXX - reported late payment 30 days 2. XX/XX/XXXX - reported late payment 30 days 3. XX/XX/XXXX - reported late payment 30 days 4. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX XXXX : XXXX - Date opened XXXX XXXX, XXXX 1. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.
Product: Credit reporting, credit repair services, 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, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX AV XXXX, AZ XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XX/XX/XXXX
Product: Student loan

Im looking to get an unofficial transcript for my fasfa so I can get back into XXXX  school to finish my degree. I called the school XXXX and they told me they do not do unofficial transcripts so I had to receive a actual transcript which I later found out I couldnt get because I owe the school money so they wont release it!
Product: Debt collection

I have delt with Aldridge piite and Haan law firm before. They took me to court and filed a law suit on me without my knowledge of the debt. I am on XXXX and XXXX and have filed several complaints against this company before on this issue they continue to file law suits without knowledge or without even making contact attempts first. They automatically get the suit in their favor and hardly give time to respond to said law suit.
Product: Mortgage

We refinanced our mortgage with Quicken Loans in XXXX XXXX. We had the money to pay it down under the 80 % required to avoid a PMI payment, but the money was not liquid and would have been difficult to get immediately. The broker informed us that the PMI payment would drop off as soon as our LTV was under 80 % ( or possibly 78 % ). We then proceeded to pay down the mortgage as we said we would, and it was under 80 % right around XXXX of XXXX. 

We notified Quicken Loans that the loan was under 78 % and they told us that they could not drop the PMI without another appraisal ... ... just 3 months after the loan was refinanced. Without this appraisal they now intend to charge us PMI insurance until XXXX, when the PMI would have dropped off naturally. 

This is a 15 year fixed mortgage and the LTV is currently around 75 % based on the original appraisal. Nothing has happened that could possibly decrease the value of the house between the refinance date and when the principal was under 78 % ( or the present ). The real estate in my area has also had no major fluctuation in that time. 

I believe the mortgage broker was deceptive and should have informed us that this could happen. We were very clear about our plans to pay it down and our ability to pay and our plan to pay it off within months. We could have sped up the pre-payments to be under whatever deadline they have assessed here. If we would have been informed then we could have also paid the money up front and avoided this all together. We had ample savings at the time the refinancing was done to pay it down at the time of refinancing, and can prove this. 

I also believe the servicing department is being oppressive by requiring an appraisal just months after the refinancing. I could pay the appraisal fee and let it go, but I 'd rather make a point to file a complaint in hopes that other people do n't get cheated like this.
Product: Debt collection

Company committed fraud by charging me a down payment of {$2000.00} 15 U.S. CODE 1605, mixing cash with a consumer credit transaction 15 U.S. CODE 1662B, 16CFR 443.1D they purchased money loan, company got a cash advance for using my social security. They broke Consumer Credit Transaction and the Sum of all Charges, all fees werent included such insurance, warranty, registration for the sum of all charges. And they havent disclose any of this information to me at point of sale. They also called and harassed me when I was late on payments!
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off my XXXX XXXX XXXX credit card balance in full. I noticed that despite this being a billing cycle, the credit agencies still had an incorrect balance as well as an incorrect past due status. I filed a dispute with XXXX  on XX/XX/XXXX. In the interest of transparency, and my long relationship with XXXX XXXX XXXX, I called the company and let them know I filed the dispute. The customer service representative was disrespectful and insisted neither she nor her superior knew how the credit reporting team worked. I never actually spoke to the superior. The representative claimed she put me on hold and asked. I made clear that if this was not resolved in a timely manner, I would file a complaint. They had an attitude and we hung up the phone. 

XX/XX/XXXX they at last reported my XXXX balance and current status. I received an alert from XXXX XXXX on XX/XX/XXXX that my credit limit had been decreased from {$6000.00} to {$100.00}. I sent a secure message to XXXX XXXX XXXX Customer Service asking who or what caused this. I was told the Credit Bureaus alerted the Bank that my score had dropped so the credit card company took action to lower my limit dramatically and would evaluate me month to month. I found this difficult to believe as the Bureaus don't volunteer information on consumers. They report to the Banks/Financial Institutions whatever is relevant, and when they are asked, as long as it is within guidelines. I was also told that XXXX XXXX XXXX sent a letter to my house on XX/XX/XXXX. To this day, I have NOT received a letter in the mail of that nature. In fact, I have received numerous coupons and rewards instead. I am a paperless customer and pointed that out. After a few days back and forth with XXXX XXXX XXXX, they sent me a secure digital message on XX/XX/XXXX stating the information they claimed to have sent to my home on the XXXX. The letter and reasoning was inaccurate : I have a XXXX with XXXX that has a XXXX  balance, is in good standing, and has a five figure limit. One of the alleged delinquencies is a reporting lapse, and I have a letter to back that up. Additionally, I've had credit for well over a decade, so there is no issue with a young credit history. 

I strongly believe this was a retaliatory response to me first filing a dispute with XXXX  and then alerting them that a complaint would follow if they continued to drag their feet. I would also like to add that I would sign a sworn affidavit that says I never received the XX/XX/XXXX letter in the mail. As you will see, the letter they finally emailed to me is dated XX/XX/XXXX. Why not just attach the original one that was supposed to have been typed and sent on XX/XX/XXXX?
Product: Checking or savings account

On or around XX/XX/20 I was contacted by Wells Fargo for Fraud concerns on my account. At that time, I informed that that the transfers between accounts were not mine and I did not authorize them. I was advised my accounts would be shut down and I would get checks for my funds and I could reopen later. However, instead a FRAUDULENT mobile check was deposited to my account and when it bounced after Wells Fargo ERRONEOUSLY paid it on a marked Fraud account, they deducted the funds from me. My funds should be returned to me in full to my previous Fraud balance of XXXX. I did not make the transfers, did not make the deposit. It is NOT my signature. Additionally it was drawn on a bank in Florida where I am not living nor have I ever lived. There was a full and completely takeover of my online account and all my information was required to be changed. At this time XXXX XXXX is REFUSING my claim in violation of Reg E and Fraud requirements. The executive offices claim they are unable to overturn a Fraud Claim and all I got was the run around for 3 days. I am a college student living off of these funds and it has created unbelievable stress for how I will pay my way at school and Wells Fargo has been rude and unhelpful referring me to the Branch that is 40 mins away from my school in Kentucky which is creating additional burden.
Product: Checking or savings account

On XX/XX/XXXX I opened a account with Td to take advantage of checking bonus of XXXX. I did NOT go to a third party website and didnt click on any offer. I went to the td website. I selected the Convenience checking account to earn XXXX. The offer was on the website. If it wasnt I would have never open the account. I've called to verify this after opening the account in XXXX which can be verified by my call log. Then I called today the supervisor says I might of went to a third party website which completely false. I bookmarked the offer page from the td website and so to say there was no offer is misleading and is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice This was the website I orginally went too on XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX
Product: Credit card or prepaid card

This is in regards to account ending in XXXX at pnc and case reference number XXXX Their are fraudulent charges on my card These charges are in a different state over 3hrs from my home i reported these to my bank promptly as soon as they posted they opened a dispute on the XXXX  and closed it on the XXXX claiming it was authorized... It was not. i want my money back i did not buy something 3hrs away from me that makes no sense...
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a phone call from what I thought was my bank of ( Wells Fargo ) expressing concern about security issues. 

Initially, he spoke to me about issues related to text messages that I had gotten from stores such as XXXX and I informed him that I did get a few text about some order that I supposedly placed and that I had responded to the text with a question of what order, then a few days later prior to this phone call I had a text saying the order was canceled and money refunded. 

He then asked me for login information and the fact that I thought I was talking to my bank he offered me a one-time temp password for me to log in and then told me to log in not thinking he was doing the same, then he was sending me while we were talking one-time passcodes and for me to read them back to him for conformation, he did this a few time then, he asked me about XXXX and if I knew certain people on my recipient list and he named a few two of which i recognized and two I did not. 

He then said XXXX dollars was sent to one of my recipients and the fact that XXXX was a third-party company I would have to send XXXX and then have them send it back to me so that the money could be entered back into my account and the transaction canceled with XXXX. 
There was also a sum of XXXX dollars which I don't know were it went but I saw the money back in my checking but he had moved XXXX out of my saving into my check and stolen XXXX. 

I register these complaints with my bank and they closed my account down and informed me that I would still be able to access money through the use of my debit card. 

Now I have got a decision letter from my bank essentially saying that I did this on my own account and that I will not get my money back. 

I don't know why for the number of years that I have been with my bank that I would randomly on that day choose to create fraud against myself for the sum of XXXX dollars. why would this? 

There has in the past been two other occasions with fraud related to my accounts at XXXX of which I never shop the bank closed those accounts down and issued me new cards. 

There are clearly a security issues with this bank. Not to mention I didn't receive notifications of these issue until I bought it there attention. 

Please let me know if you can help me with this matter.
Product: Checking or savings account

Regarding Citibank checking account. On XX/XX/XXXX I submitted instruction for XXXX in the amount of {$25000.00} ( the daily XXXX ) for several days spread out. 
Received an email the transactions were cancelled and to resubmit. When I called I was told the fraud department called me- they did not. 
I was told I would receive a letter from the bank- I have not. 
I have XXXX homes and am in the XXXX home with the mail being forward so no idea when this letter will arrive. 
I went to a branch on XX/XX/13 with a passport and debit card. The branch was told by the XXXX team this is not acceptable so my account is frozen for the foreseeable future.
Product: Money transfer, virtual currency, or money service

I was scammed by someone claiming to be with Wells Fargo Bank and ended up having {$22000.00} wire transferred out of my account ( which I did not authorize ) and now Wells Fargo will not return my money.
Product: Credit card or prepaid card

This is the second complaint I put in. They responded and said they checked my credit reports and that's how they determined to decrease my limit. THEY ARE NOT ALLOWED TO PULL CREDIT WITHOUT MY AUTHORIZATION. I NEVER AUTHORIZED THEM TO DO SO. 

XXXX XXXX lowered my credit limit from {$1100.00} to {$800.00}. I brought my balance down below 30 % to improve my credit. Once I did that, they lowered my limit down to {$800.00} so my balance would reach my credit limit and bring score back down. My score dropped significantly by 16 points. It should be illegal for creditors to be allowed to do that on occasion. It destroys the consumers credit history and livelihoods. They need to increase credit limit back to where it was so it will show at 30 % bellow statement balance again so score can go back up!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiry on my credit reports.company also company form of communication is not within means for consumers to dispute..company has inaccurate phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is breaking the Fair Credit Reporting Act by not providing me with proof of the alleged " verified '' account - XXXX XXXX XXXX # XXXX not removing the fraudulent account and ignoring my documentation to verify the accounts as fraudulent. 

It is past the 30 day time period for the account to be removed as I disputed the account in XXXX, being that it is now XXXX. 

Experian and XXXX have also both ignored the Police report that I have provided to prove that my wallet was stolen and the accounts were fraudulently created around that time period with the contents of my wallet ( driver 's license and social security card ). Experian has not done any investigation into my dispute of the XXXX account.
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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I have been attempting to refinance my 1st position mortgage with Chase XXXX formerly Washington Mutual XXXX since XXXX of XXXX. Chase has been NON-responsive and refuses to remove an old lien item # XXXX on the preliminary title report that I DO NOT OWE them. 

Chase XXXX formerly WAMU XXXX gave me a Home Equity line of credit ( HELOC ) in the amount of {$95000.00} on XXXX XXXX, XXXX, as indicated on the attached title report. They then increased the SAME HELOC to {$420000.00} on XXXX XXXX, XXXX as indicated on the title report as item # XXXX. WAMU failed to REMOVE the original HELOC, item # XXXX on XXXX XXXX, XXXX. 

Now I am attempting to refinance and Chase is refusing to remove item # XXXX because both items # XXXX and XXXX ( XXXX recordings ) contain in their records the same loan number. Chase is afraid if the remove item # XXXX it will also clear item # XXXX. I do not owe on item # XXXX. I only owe on item # XXXX. 

Attached is my current loan of {$420000.00} and the preliminary tile report. Please let me know if you need additional information.