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

These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dear CreditFresh Customer Service, Thank you for your response. 

I understand your explanation, but I would like to clarify the discrepancy between the information you provided and the letter I received from XXXX XXXXXXXX XXXX The letter stated that the entire payment amount of {$620.00} would be applied to the principal balance. I have attached the full letter for your reference and highlighted the relevant section. 

Could you please review the attached letter and investigate why the payment was not applied entirely to the principal as stated? 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call stating that I was being served a court summons and asking if I was home. When I asked what the summons was related to, I was given a phone number and case report to get more information. 

When I called the number given to me, I was told by a man calling himself XXXX XXXX, that her worked for XXXX XXXX XXXX, a law firm in XXXX and that I was being named a defendant in a case by Citibank pursuant to an unpaid balance on a card fromXX/XX/2016. ( This card was paid and closed as shown in my credit report ) When I responded that I had not received any communication from Citibank regarding such a debt, I was told it as because it had already moved past the collections process. That the total sum now due would be over XXXX ( the original stated amount was XXXX ) I was told that the serving company messed up and werent supposed to give me a number to call and that since I had called I could possibly be eligible for remediation to avoid civil court costs. If I paid online that day through a XXXX statement, I would only be required to pay XXXX. When I indicated that I would like more time to investigate the veracity of this suit/ claim there was no effort to coerce me. 

I called the XXXX  Attorney General 's Office after being unable to speak to anyone at Citibank to verify the collection. They referred me to the Secretary of State 's office to see if this company had a Surety Bond which allowed them to collect debts in the state of XXXX. When I called, I was told this company did not have such a bond and that I was likely the victim of a Scam attempt.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX I filed a dispute with equifax, the deleted all of the fraudulent accounts on my report. On XX/XX/XXXX all the items were put back on my consumer file with out proper notice as per 15 usc 1681 consumer must be notified 5 days prior about reason of re inserting of accounts and right to remove accounts. There were no strict compliance with the statue Please have these items deleted and blocked from being put back on consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a XXXX XXXX Credit card. Before officially joining I called the Barclay credit card company to go over the details of the credit card. I talked to XXXX and she stated that after 1 year on my anniversary date of opening the card I would be assessed an annual fee of {$99.00} XXXX that would be at the end of XX/XX/XXXX and done automatically XXXX. 
On my first statement in XX/XX/XXXX I was already assessed a {$99.00} annual fee instead of on my anniversary date of XX/XX/XXXX. 
On XX/XX/XXXX, I called Barclay and talked to XXXX regarding my annual fee. She opened case no. XXXX. She said to call back in 10 days to see if the annual fee was waived since they told me initially it wasn't due until the following year. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said my case was still pending and someone would contact me. 
On XX/XX/XXXX, I called Barclay and talked to XXXX. She said I have to pay the annual fee and they will not waive it. I told her when I first opened my card they said the annual fee would not be due until one year later. 
I received a letter from Barclays stating they were unable to assist me with my rewards issue. 
I don't see anywhere on my application paperwork that I was assessed an annual fee as soon as I opened my credit card. When I called to inquire I was told it wasn't due until the following year. They should honor that initial call.
Product: Mortgage

I have been going through the Deed in Lieu of Foreclosure process since XX/XX/XXXX. I have already filed a complaint ( XXXX ), and as a result of that complaint, they promised to record the document, correct my credit score retroactively to XX/XX/XXXX, and send me a Release document. The Deed in Lieu of Foreclosure was finally recorded on XX/XX/XXXX, but I have not received a Letter of Release, I am still getting statements showing that I am delinquent, and my credit report has not been corrected. I suspect that the Deed was recorded with the wrong information and was returned to the wrong attorney, as the loan was transferred from one servicer to another on XX/XX/XXXX, shortly after I signed the documents and sent them back. When they were finally recorded this XXXX, I was asked to re-sign the Excise Tax Affidavit as it had the previous servicer 's name and address on it, but the Deed in Lieu of Foreclosure document was not redrafted ( in fact, I was told by my current servicer that they were not legally allowed to ) so the Deed still shows the prior servicer and a return address to the attorney for the previous servicer. 

On XX/XX/XXXX, I emailed the Customer Care department for my mortgage servicer, and just last week I received a letter from them stating they would send me a hardship package from the Loss Mitigation department. But the email they sent me on XX/XX/XXXX stated that my credit reporting would be corrected and I would receive documentation stating that I would be released from my debt obligation for this loan once the Deed in Lieu of Foreclosure was recorded. 

I have not been able to get in touch with anyone at this organization, and no one seems to know what is going on. I can not believe it is legal for them to operate this way. I need some resolution to this, as I have now been going through the Deed in Lieu of Foreclosure process for longer than I lived at the property. 
I emailed

the Customer Care team again this morning, and I will be contacting HUD as well. There is also a matter of a Down Payment Assistance loan
that had {$0.00} payments and 0 % interest, that was supposed to follow the original loan, but I'm sure that they won't have a clue about that either. 

I have copies of the email thread with my mortgage company, as well as copies of the Deed in Lieu of Foreclosure and Estoppel Affidavit that were recorded on XX/XX/XXXX. Please help me, as I know for a fact that the mortgage company will not.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquires to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified inquiries. The identified inquires are not information related to any transactions by me as the consumer. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  shows XXXX  account # XXXX was first 30 days late in XX/XX/. In the comments it shows as of XXXX i was delinquent. The balance they charged off shows to be XXXX but the amount they are collecting is XXXX. They cant add interest after they charged it off. My credit report has false data, two different dates it was charged off and two different balances. This needs to be removed from my report. 


XXXX XXXX  XXXX shows XXXX was 30 days late and XXXX on another part of my report. It shows in XXXX it was charged off for XXXX but they say i am owing XXXX. Once again interest has been added. 

They also report me living at XXXX XXXX XXXX XXXX XXXX tx. I have disputed this with transunion and XXXX. They refuse to remove the false date.
Product: Checking or savings account

Bank of America charged me {$140.00} in overdraft fees, customer service agent claimed to be unable to reverse overdraft fees due to a maximum of five reversed overdraft fees in the past year. 

I cited extenuating circumstance, XXXX  XXXX XXXX trustee refusing to disburse, causing me problems since XXXX of XXXX. Again, denied. ( XX/XX/XXXX, XX/XX/XXXX ) XXXX negligence being investigated by XXXX  XXXX XXXX and XXXX County District attorney 's office. Therefore, impossible for Bank of America to be in the right. 

Somewhat of an air of hostility percieved when speaking to Bank of America start-ups had to ask for supervisor multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, Equifax, or XXXX  that this collection would be placed back on my credit file.
Product: Credit card or prepaid card

A month ago I requested statements for my card XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX I can not access on website in my account beacuse only displays XXXX Please forward me copies og the above so I can reconcile with airlines my vouchers due to Covid
Product: Checking or savings account

I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Reporting Errors To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report related to the account from XXXX ( formerly XXXX ) as well as other errors that violate federal laws. Please see the details below : Account Information : Creditor : XXXX ( formerly XXXX ) Current Balance : {$8100.00} Status : Derogatory/In Repossession Dispute Details : 1. Request for Deletion of Charge-Offs ( 15 USC 1666b , 15 USC 1681i , 15 USC 1681s-2 ) This account reflects a derogatory status with a charge-off. I dispute this reporting as erroneous and inconsistent with my records. Moreover, under the Fair Credit Reporting Act ( 15 USC 1681i ), creditors must ensure the accuracy and completeness of information furnished to consumer reporting agencies. 

If XXXX has issued a 1099-C for this account, the debt has been canceled, and any charge-off reporting should be deleted in accordance with IRS rules and 15 USC 1681s-2.

2. Request for Deletion of Late Payments ( 15 USC 1666b, 15 USC 1637 ( b ), 15 USC 1681s-2, 15 USC 1681i ) Late payments on this account are inaccurately reported. According to 15 USC 1666b and 15 USC 1637 ( b ), creditors must adhere to proper billing error resolution practices. Further, 15 USC 1681s-2 prohibits furnishing inaccurate information.

3. Request for Deletion of Collection Activity ( 12 CFR 1006.34C, 12 CFR 1006.6C, 15 USC 1681e ( b ), 15 USC 1681s-2 ( A ) ) The collection activity associated with this account contains significant errors. As per 12 CFR 1006.34C and 12 CFR 1006.6C, debt collectors must provide accurate and detailed disclosures. In addition, 15 USC 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy in consumer reports. 

Errors in XXXX XXXX : Balance : {$8100.00} Incorrectly listed as In Repossession despite no repossession details provided.

Reporting of derogatory status and charge-offs appears inconsistent with 15 USC 1666b and 15 USC 1681s-2 .

Actions Requested : 1. Delete all erroneous charge-offs, late payments, and derogatory remarks associated with this account.

2. Verify all details related to this account for compliance with 15 USC 1681i.

3. Provide written confirmation of the outcome of this dispute.

Enclosed Documentation : A copy of my credit report highlighting the errors.

Any correspondence or evidence supporting my claims.

I appreciate your attention to this matter and expect a response within the legally mandated timeline under 15 USC 1681i. Please contact me if further clarification or information is required. 

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

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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: Checking or savings account

XXXX ( financial aid ) dollars was deposited to my account at citi bank which is in the process Of being closed i have called many times to have those funds released to me and they are denying and not being understanding that those funds are needed immediately to cover for school supplies which are needed by the end of this week or else i will get dropped from every class
Product: Credit card or prepaid card

Sears informed me they would cancel the late payment fee XXXX as a courtesy and good faith. I followed up with them today XX/XX/20 because I noticed on my statement that the late fee XXXX was never waived as promised. I was informed that instead it was tackled onto my monthly payment for the month of XXXX and that it needed to be paid. Sears needs to keep their promise and waive that fee as soon as possible. They are also not adhering their message regarding Corona Virus and are imposing late fees to all customers
Product: Credit card

I have a XXXX interest balance transfer with Citi Bank credit card and also make some basic charges on this account. I pay off the entire amount of new charges each month, the entire amount of minimum due on the balance transfer, plus additional each month and am still getting charged interest on new purchases. There should be no interest charged on new purchases since the charges are all paid above and beyond each month.
Product: Student loan

Hello, I just hung up with Navient, again and they were not helpful in understanding my questions. I am trying to understand how my loan with them started at {$36000.00} in 2002 and is now {$51000.00} while I have paid {$26000.00} over the life of the loan and it has n't even made a dent ... instead my loan has increased?? I asked for help and was offered another forbearance ( which I recognize I have used too often but seemed like the only option but it just makes the loan longer ). I make " too much money '' to qualify for anything but not enough to pay this off and I do n't work in any of the industries that allow for forgiveness. How am I ever going to get out of this? The last person I talked to this morning said my only other option was to enter a forgiveness program that would mean another 25 years of the loan, I would be XXXX years old at that point and would most likely have student loans for my XXXX kids. Can you help at all? I want to do my part but paying into this loan balance does n't seem to help actually pay it off. I appreciate anything you can do or any advice you can offer. Thank you so much, XXXX
Product: Debt collection

This company fraudulently put a medical Debt on my credit report that is not owed. The physician they have I havent even been to. I disputed it with XXXX  and asked for written validation of debt and none was provided and it is still on my credit report. I also have sent this company a certified letter to dispute debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  leaked my personal information. Please help protect me and all other Americans affected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION deleted the following information from my credit report : was removed from your credit report. This deletion was based on removed account. 
XXXX XXXX XXXX XXXX  Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that TRANSUNION has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
XXXX XXXX XXXX  This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, I request the following actions to be taken : XXXX. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
XXXX. Ensure that Transunion complies with the notification requirements outlined in Section 611 ( B ) of the FCRA. 
XXXX. Correct my credit report by removing the reinserted information promptly. 
XXXX XXXX XXXX XXXX  Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Transunion regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
XXXX XXXX : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX