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

This company, One Main Financial is reporting inaccurate information to the credit reporting agencies. I asked them to investigate and send me proof in accordance of the FCBA I asked them to show me proof of what they are reporting, a signed contract, statements and a detailed billing histories. I sent the first validation request on XX/XX/XXXX and they did not respond at all. I sent another validation demand on XX/XX/XXXX and got a letter from them stating that they believe the reporting is accurate and will not investigate it any longer without sending me any of the proof that is required by Federal Law including a contract, statement or detailed billing history. So, I sent them another demand on XX/XX/XXXX asking them for their response but letting them know I wanted proof in accordance with the FCBA of their  reporting of this account and again asked for a contract, statements or a detailed billing history. They did not respond within 45 days of that letter and continue to report inaccurate information on my credit report. The date open is different on all three bureaus, the date last reported is different on all three bureaus, the date of last activity is inaccurate and completely different on all three bureaus, The payment history is different on all three bureaus. On XX/XX/XXXX I sent them another letter demanding the account be deleted because they did not comply with the Federal Law ( FCBA ) by not sending the required documentation by law, the contract, statements or detailed billing histories and they STILL are reporting inaccurate and incomplete information that can not be verified. I would them to comply with the Federal Law which they have not several times otherwise delete this erroneous information from my credit report immediately.
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$110.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

ACCT : XXXX To whom it may concern, I wrote you requesting validation of this alleged debt. You have not supplied the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of Florida. 

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Best Regards,
Product: Credit reporting

Trans Union letters have been sent wrong information and on XXXX accounts wrong lastname some one used the credit cards other than my self I ask Trans Union to sent meproduce document proves my name none the amount of the accounts are worgI have sent them letters its been more than year.
Product: Money transfer, virtual currency, or money service

My email was hacked and I received fraudulent wire instructions to wire money to my title company for the purchase of a home. I sent two wires, both to fraudulent accounts at Wells Fargo Bank. The first wire was for {$150000.00} and I received only {$140000.00} back. The second wire was for {$220000.00} and I received only {$210000.00} back. I 'm short {$13000.00}.
The second wire was red flagged by Wells Fargo 's wire department as a mis-match of beneficiary name and name on the account. They did n't match. I received a call from the Wells Fargo Fraud Transaction Support team indicating they had found this problem and that they would " block '' the funds and the recipient would not be able to use the funds. I was instructed to work with my bank that sent the funds to them recalled. I did as instructed and the funds were returned about a week later {$10000.00} short. When that happened I contacted Wells Fargo immediately and they said they could not tell me anything and that I needed to go to my bank because Wells Fargo would be giving them information. My bank said that had not received any information from Wells Fargo.
I want my funds returned to me. It 's a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating XXXX XXXX XXXX pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by XXXX XXXX ( on XX/XX/2022 ) is attached for your reference.
Product: Mortgage

My name is XXXX XXXX. I currently have a mortgage with Bank of America. At one time the loan was in foreclosure but has since been made current. I am currently being billed approximately {$1400.00} dollars for which Bank of America describes as a Sheriffs fee. The gentleman at Bank of America informed me I would need to speak to the law office in charge of my foreclosure. I called the law office and spoke to XXXX XXXX who informed me that her office had not billed Bank of America for any services on my behalf. I called Bank of America again and was told there was nothing else to be done- I need to pay the past due amount. The sheriff was never dispatched to my home. Its also of interest to note that my past due amount was completely paid on XX/XX/2018 and the supposed date of this bill is XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 days past due is incorrect because the balance due on this account is {$0.00}.
Product: Mortgage

XXXX I got a mortgage with Citizens One. It included PMI. Over the next 10 months I did XXXX in renovations on my house. 
XXXX - Citizens One requires that if you want to apply to drop PMI, you have to write them a letter. They have no phone number or email address for this. It is very hard to get contact information. But I wrote my letter - detailing the improvements on the property and paying my fee to have a broker come examine it. 
XXXX - A broker goes to my house when I am not home. I get a call when he arrives with no notice. He drafts a report. The report says " Per the Owner/Borrower there have been no improvement since loan. '' This is clearly untrue. I need the appraisal to be about XXXX higher than my purchase price, and the changes we have done are transformative - but the broker does not know this - because no path was available for him to get that information. 
XXXX - I get the report in the mail. Getting a hold of customer service is a nightmare. When I can get a person, none of them know anything - they do tell me to call the broker. I call him. He says he has no data and my only course of action is to talk to the bank. I await a PMI specialist to call me - which has not happened yet. 

There should be a simple process for me to submit my information and it should have been taken into account by the broker. I paid for his assessment. I would like another broker to be assigned to go back, at no cost to me, to complete an accurate report and I would like to see that report reflect the list of changes made. 

In XXXX, I have completed a XXXX landscaping project that leveled a huge section of the back yard. The current report says that my sloped yard detracts from the value. So, this project should add even more value. 

At this point I have plenty of evidence to offer that PMI is not necessary - but the bank is purposely making it impossible for me to show them evidence of this. There is no reason the process should be this hard - but it is an advantage for them if it is, because then they keep collecting from me.
Product: Money transfer, virtual currency, or money service

I have a business account with XXXX XXXX, on Tuesday XX/XX/2018 I was randomly charged {$200.00}. for a Keyword I was bidding on for {$1.00}. That {$200.00} charge instantly put my account over its limit and I was forced to pay google in order to get my account back online for my business advertising. I spoke with Google tech support before paying the bill and was told it was a " glitch '' and that I would be getting the {$190.00} back from Google. I haven't to this point and was informed they were NOT going to return the money at all. This particular " call campaign '' was setup by a Google employee and I had limited control over it as it was, but once charged they told me it was my doing and they wouldn't fix it, or return my money. I understand they may not  constitute an " emergency '' on the behalf of the FBI, or another agency, but I feel it is desperately worth looking into as it seems VERY unlikely this was an accident or that I am the only business this has happen to. 

I am a military veteran running a small business in a smaller demographic, my wife is a XXXX XXXX   XXXX and we live on a small working budget, in fact that {$200.00} charge from Google was more than 25 % of my entire advertising budget. I have spent thousands of dollars advertising with Google to  this point ( no more ) and yet I often just have to take their word that I received so many expense clicks in a day, even though I don't receive any calls for said clicks, or drum up any business from said clicks, but this one incident of a {$200.00} charge for a {$1.00} keyword is crazy, its illegal and wrong. I have parameters set to where I can't even spend over {$100.00} a day with XXXX, but yet somehow they can just charge me {$200.00}. I am sorry, I hope this is not a waste of someones time, I just fear I am one of MANY people being cheated by Google. I am not sure where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 15 USC 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 USC 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

My Citi XXXX card stopped sending statements - I didnt notice it until i was told via email it was past due. Citi put me on paperless statements without my knowledge or permission and then when I didnt pay on time charged me excessive interest and penalties. I was able to clear this up with them but I am concerned about the larger consequences of their actions in particular on senior citizens that arent all electronic. they should not be able to change my paperless status. they claim they notified me via their app. I dont use their app and never have. if they treated their customer base as they have me they are making a ton of money in interest charges and late fees that should NOT be there - latest scam way for them to make $ XXXX literally preying on seniors. 

same goes for the phone system with all of the prompts and craziness it takes to get to a real person- is that friendly for the elderly user? I think not - seems to violate XXXX
Product: Checking or savings account

On XX/XX/year> I opened a checking account with {$100.00} to fund the initial account. The Next day XX/XX/year> I wired to this new account $ XXXX from my Financial institution to Bank Of America. After the money was transferred over someone ( later told ) a Fraud Analyst closed my account. No one told or notified me that there was a problem with me account and that it was being closed. I have since spent hours with the local XXXX XXXX tiring to understand why the account was Closed ( there are a whole lot more labor pains that can be shared but I will spare you for now ) only to be told it was not closed but the Consumer no longer had access to it. I have tried to get an answer as to when this money is being returned with no solid answers. In the meantime my Business needs the funds to operate and I am collecting no Interest on my $ XXXX ... ..PLEASE HELP!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian Credit report there is an account that exceeds the 7 year time frame for reporting. XXXX XXXX XXXX first went delinquent per my credit report on XX/XX/XXXX and therefore should have been deleted effectiveXX/XX/XXXX and is still on there. This should be deleted effective immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report for the first time in years I saw that transunion has billing me {$19.00} a month for their service. I would never sign up for this. I tried handling this online but I needed a username and a password, which I dont have. When I called I was asked for email for security and I didnt know the " right one '' so I couldn't cancel subscription let alone receive a refund. They wouldn't even give me my username and password! After several more calls finally a man told me he could cancel. Just recieved bill and, of course, still charging me {$19.00} a month! What do I do?!
Product: Credit card

ON XX/XX/XXXX, XXXX Credit cards issued by XXXX with the same account Number were unknowingly opened in my name and was used for a short period of time one had a ending balance of {$160.00} and the next one had a ending balance of {$160.00}, I did not notice the charge offs and the false lease that ( XXXX XXXX ) placed on my report on XX/XX/XXXX until last year XXXX in XXXX, when I tried to apply for a XXXX XXXXXXXX card and was denied. I then noticed they have been reporting fraudulent information on my credit reports like the late payments and charge offs. The lease is still reporting back negative information and has a ending balance of {$1400.00} that's 3 derogatory accounts that's bringing down my XXXX score I have been working with the IRS and FTC to resolve this matter but have not got any real help, I would the credit bureaus to stop reporting fraudulent, inaccurate data to my reports, I also would like the CHARGE OFFS removed from my Credit report and the late payments reversed the false lease has a should not exist and its a real financial burden and I would like it removed from my credit report I am not claiming that debt and it should be VALIDATED DEBT and if its not should be removed completely.
Product: Mortgage

Letter is in the upload. Citizens owes me thousands that they should have applied to my mortgage and they kept the money and are threatening foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, Equifax, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Product: Credit reporting or other personal consumer reports

Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.
Product: Vehicle loan or lease

In XX/XX/2018 I opened a XXXX auto loan with Chase Bank. Today, I tried to make my payment via the telephone and was unsure of whether it had gone through or not. I called in to make my inquiry, and I spoke to, and was transferred to/from, 5 people. Each of these people would not speak to me until I gave them my SSN, make, model, year, DOB, and address. Just to get the understanding that my auto loan payment I made via the telephone was proper, I had to decide this information 30 times. Yup, 30 times. The Chase system is too arduous and too difficult to manage if even I can not access information. Of course, their representatives were horrible and difficult. I further do not wish to give out my private information to call center representatives, as that practice is incredibly unsafe in its own right.
Product: Credit reporting or other personal consumer reports

In the 2nd to third quarter of XXXX I contacted the CFPB because XXXX XXXXXXXX XXXX  Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX bank to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XX/XX/XXXX Dear company I am writing to dispute an unauthorized hard inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry can only be conducted with my explicit consent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal I formally request that you remove this unauthorized inquiry from my credit report immediately. If you are unable to verify that I provided written consent for this inquiry, I ask that it be removed in accordance with the FCRA. 

I have attached a copy of my identification and a copy of my credit report with the disputed inquiry highlighted. 

I appreciate your prompt attention to this matter and look forward to receiving a written response within 30 days, as required by the FCRA. 

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

This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. Feel free to reach out to address this issue before it escalates legally.. via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. Accounts that I didn't authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX