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

The following accounts/Inquiries I did not authorize to be opened/initiated, and would like them removed from my consumer reports. I have disputed them previously and would like validation of the ownership if they can not be removed. Also, the credit bureaus ( along with the creditors ) will need to provide their verification/investigation process, in detail, as well ; rather than just responding with unsupported statements. 

Accounts : XXXX XXXX ( Reporting to all 3 credit bureaus ) XXXX XXXXXXXX XXXX XXXX ( Reporting to all 3 credit bureaus ) XXXX XXXX XXXX XXXX ( Reporting to XXXX and Experian ) XXXX Inquiries Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My bank statement shows a withdrawal of {$500.00} on XX/XX/year> at the TD ATM bank at XXXX Pennsylvania. But I did not withdrawal that amount. I am XXXX XXXX XXXX and limited in driving and do not know how to get there without being taken. The determinatiin was that because I didn't loose my card they naturally thought it was me. They should check their cameras to prove who withdrew money from my account on the XXXX but they didn't. Unless I have a twin or I sleep WALK which I don't I am out of {$500.00}, it was taken from me and they should check footage for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I have a mortgage loan with FlagStar Bank. I have been trying to pay off the loan with larger payments. I called the bank to see how to this on XXXX. I was informed I could do it with personal checks and to include " for principal payment '' on the check. I began sending in the checks that week. On XXXX checked on-line and all of the payments were applied as future monthly payments and charged future interest. I called the bank after checking the status on-line. I spent XXXX on the phone with different supervisors all giving me different stories about their policies. They were supposed to put in trouble tickets with their " close-out '' department to remedy the situation and call me back. On XXXX I did not receive a return call. I checked again on-line to see what happened. The payments I had made were all removed from the principal and put into a " suspense '' account and my overall loan balance went back up ( thousands of dollars in interest! ). 
I called the bank again - new supervisor ... '' no idea why they would do this. '' She wrote an email to the other department. Hours on the phone, they have {$310000.00} in " suspense. ''
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I lease a XXXX XXXX XXXX XXXX XXXX from the XXXX  XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am attaching a copy of the lease contract. Fast forward to my present situation where I am not able to keep up with the payment due to financial hardship. Mercedes has failed to assist me with the reduction of payment. I do not qualify for Financing of the Vehicle at this time, so the more that I drive the vehicle the more miles that will continue to be put on it, declining the value over time. 

Today, I visited XXXX in the city of XXXX, CA where I was hoping to be able to sell my Vehicle to XXXX. The Vehicle was valued at {$49000.00}, however, I was then told that Mercedes is not allowing any payoff-off 's from any third parties. The fact that automakers are forcing us to keep the vehicle is causing chaos across the auto-finance industry. If the Vehicle is being paid off, it should not be up to a dealer to allow who can pay them off. I need the CFPB to step in and initiate a Federal Investigation into this illegal activity. I am sure that I am not the only person being affected by this. Auto makers and dealers need to put the consumer before profit, and allow consumers experiencing hardships to be able to sell their vehicles to third parties, like XXXX to be able to stay financial afloat, and lastly to not have this impact their credit.
Product: Bank account or service

I deposited cash into an ATM at Wells Fargo XXXX on Saturday XXXX XXXX. The ATM took the cash, did not credit my account and also took my ATM card. When I went inside the branch the manager, XXXX XXXX, told me that my cash deposit would be credited to my account within 2-4 hours. He suggested that if I need to buy groceries before my account is credited then to go ahead and write a check to the grocery store and the store wo n't cash it for 5 days or so. The bank rules say cash deposits are not credited until the next business day ... ... it is the next business day and I still do n't have my money available for use.
Product: Debt collection

On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.
Product: Mortgage

I was discharged from bankruptcy in XXXX and has disputed the amount twice a year for the past 5 years. XX/XX/XXXX I sent email to the president and several other employees of Pinnacle Financial Bank. 
I entered bankruptcy in XXXX and several years into bankruptcy my second mortgage sold my loan to Pinnacle Bank. Pinnacle Bank did not comply to Chapter XXXX standard letter was sent to appear in court they ignored. Pinnacle Bank did not mail me any documentation about my account with them.The second mortgage had to keep accepting the payment and then they would forward to Pinnacle Bank. The first time I seen the amount from Pinnacle right after my bankruptcy they states I owe them XXXX and they claim I was late every month. I would dispute with credit bureau and then the amount was lowered to XXXX. I disputed that amount as well then the amount changed again to XXXX. I dispute the amount again they will not remove the amount. 
I have the letter I sent to them as well as my Chapter XXXX payment history for the second mortgage. Please review
Product: Debt collection

AD ASTRA REC is claiming that I owe them XXXX} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts that Transunion, XXXX, and XXXX are putting on my report, removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with XXXX XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove the collection from my credit report and they did but now I just received a copy of my credit report and the collection is back, I called Equifax and they told me they will remove it again but nothing has been done. Please remove the collection account from my credit report.
Product: Credit card or prepaid card

I XXXX XXXX want to state that I've been a victim of credit card fraud and identity theft. this all started on Thursday XX/XX/2020 i received a call from individuals acting has both social security and FBI agents. they had knowledge of my personal information and due to that they got a hold of my accounts. the calls lasted till Monday XX/XX/XXXX of 2020 and they took {$28000.00} of my credit accounts and from my saving accounts {$10000.00} this is from both my banks accounts. I bank with both bank of America and XXXX XXXX. I have made claims to both my banks. Also, I have contacted my local authority and had made police reports. i will be contacting both the social security services and the FBI.
Product: Credit card or prepaid card

I tried for almost 3 months to talk to them and resolve the situation, I already saw the police report they gave me back what was spent on the account but they are still charging me for transaction fees that were never made. I only paid the annual fee that would be my only obligation. I never received the card and I am still being charged for transactions that were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. TRANS UNION IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered XXXX XXXX on my credit report and wrote them a letter requesting debt validation of said account. They responded with a letter stating the law limits how long you can be sued on a debt. Because of the age of your debt, we ( Jefferson Capital Systems , LLC ) can not sue you for it. So instead of sending me verification of a debt, they are obviously reporting this on my credit report inaccurately due to the time. I requested verification as I am not familiar with this account nor amount {$1000.00}
Product: Debt collection

A company name Carter-Young, XXXX {$500.00}. I would like this company to show the.. Original contact with my original signature, original payments with this creditor and what ties do I have to this company. I don't know who they are .I would like them to show me a debt validation. If not I would like them to remove this from my credit report .... Have not supplied proof order doctrine of toppel by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume at no proof of the alleged bt nor therefore any ch dept in fact therefore exist
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12.00}.
Product: Mortgage

We signed a purchase contract for a new house on XX/XX/XXXX with tripointe homes. I was told by the sales rep that they had an in house lender ( tripointe connect ) which is partly owned by Loan Depot, and would receive a lender incentive toward closing costs of {$7500.00}. I spoke with a loan officer who quoted me a rate of 2.99 % with no points on a 30 year fixed rate mortgage. We called around to other lenders and all including tripointe connect were within .125 % of each other. We elected to use tripointe connect to take advantage of the {$7500.00} incentive. We were told that the longest lock available was 6 months and would include a one time rate float down that could only be done within 45 days of closing. Until then the rate would be floating. In XXXX we locked the loan for 6 months at 3.25 % with a rate adjustment of .25 % to account for the 6 month lock. Therefore our rate was locked at 3.5 % with an anticipated closing date of XX/XX/XXXX. The 6 month lock gave us extra time to account for any delays. Our lock expiration was XX/XX/XXXX. On XX/XX/XXXX We contacted the loan officer to see inquire about excersising the one time float down. We were told that rates had risen and were above 3.5 %. Loan Derpot 's rate sheets were available on the internet and showed that we should have been able to float down to 2.99 % with no points. I asked why we weren't being quoted the 2.99 % rate that we were qualified to have. We were told that the branch manager would contact us to discuss our concerns. When the branch manager called he told us that I wasn't understanding what I was reading. I was in the mortgage business for several years and understood perfectly how to read any rate sheet. Our belief is that we were quoted a low rate to entice us to to use tripointe connect. Once we were contractually obligated to use the in house lender there was no longer an obligation to quote a proper rate. They had no idea that there rate sheets were available to the public. We believe this is an ongoing problem with this lender that could effect hundreds if not thousands of borrowers. We believe that their actions constitute fraud and a violation of the fair lending act. We have attached a copy of the rate sheet for the date that we contacted the loan officer regarding the float down/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$640.00} Opened XXXX XXXX XXXX  After doing my own research calling I found out this was a fraudulent credit card charge from XXXX  original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original creditor XXXX XXXX XXXX XXXX XXXX {$3800.00} Opened XXXX XXXX XXXX After doing my own research calling I found out this was a fraudulent credit card charge from XXXX original Creditor XXXXXXXX XXXX  These are fraudulent charges brought on by the Pandemic My information may have been impacted by the XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Under 15 U.S. Code 1681c-2, which governs the " Block of information resulting from identity theft, '' I have the right to request that information resulting from identity theft be blocked from my credit report. In accordance with this law, lam requesting the removal of the fraudulent accounts and transactions from my report. 
Additionally, under 15 U.S. Code 1681i, credit reporting agencies are required to investigate disputes regarding inaccurate or fraudulent information on a consumer 's credit report. Please initiate an investigation into the items I have listed, and remove any inaccurate entries resulting from this theft. 
I have enclosed the following documents to support my claim : A copy of my identity theft report filed with [ police department or FTC ]. 
Proof of my identity ( e.g., copy of my driver 's license or utility bill ).
Product: Credit card

on XX/XX/XXXX, I am trying to use my credit card rewarding points to book a flight from XXXX to XXXX XXXX I saw in XXXX credit card App has a rewarding flight on XXXX with XXXX points, then they asked me to transfer points to get that ticket, then I transfered all my points to XXXX XXXX XXXX XXXX, then I am not able to find the flight as I see from the app, now I lost all my points as they said the points can not be reversed.
Product: Checking or savings account

I have given all supported documents pertaining my account that nothing was fraud on the account had the other party open and bank account and the company still will not release the funds it has been a lot of discrimination going on once I called the bank with other party account information the bank closed is account well a one individual requested it be close they have been giving me a hard time and I also filed a discrimination claim
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Subject : Request for Removal of DMV Hold Due to Miscommunication and Request for Proof of Debt Dear Sir/Madam, I am writing to formally dispute the hold that has been placed on my account by your company due to an alleged debt. I recently discovered that a DMV hold was placed on my account, and I believe this action is based on a misunderstanding, as the information pertaining to this debt was sent to an address where I no longer resided at the time. 

I was unaware of this situation and unable to dispute the debt in a timely manner due to the documents being sent to an incorrect address. As a result, I am requesting the following : Proof of Debt : Please provide me with clear and verifiable proof of the debt, including any original documents or correspondence associated with the charge, as well as any relevant records that show this debt was rightfully owed by me. 

Lift the DMV Hold : Given the circumstances, I request that the DMV hold placed on my account be immediately lifted. I was unable to respond in time due to no fault of my own, and the information being sent to an outdated address. 

If I do not receive satisfactory proof of this debt within 30 days, I kindly request that this entry be removed from my account and any associated hold be lifted. If the debt is legitimate, I am open to discussing possible payment arrangements. 

Please confirm the receipt of this letter and inform me of the next steps in resolving this matter. I expect prompt action on this issue, and I hope to clear this up as soon as possible. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Fifth Third Bank XXXX XXXX XXXX MD XXXX XXXX, OH XXXX Dear Sir/Madam, Re : Case Number : XXXX I hope this letter finds you well. I am writing to bring to your attention an issue regarding the aforementioned case number. As the designated recipient of funds owed to me, I am facing a challenge with the maker of this case number, who has declined to send the funds as required. 

I wish to emphasize that the refusal to release the funds is in violation of government law and the terms under which the funds are rightfully designated to me. I have made repeated attempts to resolve this matter directly with the maker, to no avail. 

Therefore, I kindly request Fifth Third Bank 's assistance in facilitating the release of these funds by issuing a check to the designated person, which is me, in accordance with the fullest extent of government law. 

Please find below my contact information for reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX To ensure a prompt resolution, I kindly request that this check be sent via XXXX Express 2-Day Shipment directly from Fifth Third Bank. Your immediate attention to this matter is greatly appreciated, as it is essential for the proper and timely resolution of this issue. 

If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that Fifth Third Bank will assist in ensuring that justice is served in this case. 

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

SANTANDER - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices.
Product: Credit reporting or other personal consumer reports

I requested for correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts : XXXX XXXX XXXXXXXX Balance : {$340.00}, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have a loan with NewRez, who bought it from XXXX XXXX XXXXXXXX. XXXX ID XXXX. 
Over the past 10 months NewRez has failed to send me a bill or sent that bill late 5 times. I paid the XXXX bill with a check dated XXXX XXXX, NewRez did not cash that check until XX/XX/2023. Apparently that prevents their computerized system from sending out the next bill, We never received a XXXX bill, and only received the XXXX bill, due XX/XX/XXXX, on XX/XX/XXXX. 

This appears to be a systematic pattern intended to garner late fees and bully mortgage holders into electronic payment, When XXXX informed us that we had missed a payment, we sent the XXXX and XXXX payment immediately. It cleared our bank on XX/XX/XXXX -- less than 30 days after the due date for the XXXX bill that was never sent. 

NewRez has refused to rescind the penalty and has filed an adverse credit report. This appears to be a systematic process to increase profits.