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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting signiticant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is inaceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any business with any of these companies and my I am a victim of fraud Brigit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged incorrect reporting activity but I have some ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter and report, & I am including it again here with a new FTC report # XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : EXPERIAN : 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 Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an alleged incorrect reporting activity. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit card or prepaid card

I've been a credit cardholder of Citibank since I was a college student in 2011. What I thought was a general fee, now appears to be an added fee labeled " Payment Safeguard. '' I have no clue what this means and why I've been charged this fee for at least 2 years without my knowledge or consent. It wasn't until I signed up for XXXX that I noticed Citi was charging me a fee twice. It's unconscionable that a credit card company can just tack on fees without the knowledge or permission of customers. And since I can only look as far back as 2 years, I have no clue what other deceptive fees have been added without my permission in nearly a decade of usage.
Product: Credit reporting or other personal consumer reports

The company is showing incorrect information like addresses which I have never lived there or address that I have never lived there. Also there are some inquiries that i have not
Product: Mortgage

I am complaining out of frustration with the Modification/Workout process with Shellpoint Servicing. I  have been trying to avoid a foreclosure and in XX/XX/XXXX after some correspondence with Shellpoint I informed them of a change in our financial situation. It follows a Chapter XXXX Bankruptcy I filed in XXXX to eliminate all debt and with substantial increase in income I felt I could have an opportunity for a short term modification or workout which would allow us to stay in the house for an additional 2-3 years. I would pay the property taxes and homeowners hazard insurance during that time. I sent Shellpoint in a timely manner all the financial information they required including a NON-Borrower Contributior which would also make more money available if needed. I informed Shellpoint that our XXXX 1040 income which included W-2s and Social Security income was {$70000.00} which would be increasing in XXXX. Never had a phone contact with any decision maker only a single point of contact of which there were many different people assigned to our account for short periods of time. Considering how important this issue is for us there seemed to be no real urgency on Shellpoints part or new owner of the loan to find a workable solution similar to what I had offered. I would like a postponement of the Notice of Sale for 60-90 days in order to see if there is solution to avoid foreclosure that Shellpoint may have overlooked for our particular situation. I realize that at my age ( XXXX ) we will most likely eventually lose the house but based on income how would like to be able to stay a little longer before having to uproot. I have owned 2 homes in my lifetime, the current one since XXXX. The only reason I defaulted originally was an unexpexted loss in income 'in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago, I was the victim of identity theft. It took many forms, but one of them entailed fraudsters repeatedly trying to open credit cards in my name. I called every bank to alert them, I reported it to law enforcement and I worked through XXXX to freeze my credit and get free monitoring. I was under the impression I would not need to call ALL THREE bureaus since the banks were aware. Moreover, I signed up for a $ XXXX/mo credit monitoring service that showed the erroneous credit inquiries were gone. Then, after the recent news about the Equifax hack, I logged onto their site to see if I was impacted and freeze my credit report with them. I discovered that despite everything I did, they still have XXXX erroneous hard credit inquiries on file associated with me that were meant to be removed a year ago. 
see : BUREAU DATE CREDIT INQUIRY Equifax XX/XX/16 XXXX XXXX Equifax XX/XX/16 XXXX XXXX Both of the XX/XX/16 inquiries are due to fraud. I have emailed them demanding it be removed but I fear they wo n't be prompt in responding. Further, this should have been done a year ago. I have decided this must be reported to you and I urge you to investigate this, and any other cases where Equifax has failed to remove fraudulent inquiries - especially as there will be many more of these in the near future due to Equifax 's own failings to safeguard our information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX but there is only the option to get a copy of the report through an automated system at XXXX. There is not a live representative. I received a denial letter for a company I did not apply with. I have not been employed since XXXX when XXXX impacted employment therefore I have not applied for credit with anyone in the last year. In fact XXXX makes 2 years of me not attempting to obtain credit.
Product: Checking or savings account

On the XXXX of XXXX, I walked into Truist Bank in XXXX Ga ( biggest mistake of my life ), with my settlement check from my car accident. I stated I wanted to open an account, as the check was fairly larger for just cashing it. So I did that, she told me the money would be available on the XXXX. I left the bank after setting up my online banking account and I thought everything was fine. So I had a birthday party and people were sending me money through XXXX, I checked it once and everything was fine, I tried checking it again, just to see if my funds would be available earlier, at this time I was told to call a number. I called and they told me to call another number which was ews. Upon talking them, they stated they didnt have anything to do with why I was having issues logging in and to contact my bank. I went to the bank and they were saying that they had never seen anything like this and didnt know what was going on. I thought they were being helpful but all the while they knew what was happening. They told me to call their fraud department and answer a series of questions. So I did, thinking maybe someone was trying to use my information. After I did that, I was told I should hear something in 2 days. At this point I went in to close my account, since my check had cleared, thinking I was walking out with my money. She then gave me the same number to call, now she understands whats going on but all the other times she act like she was dumbfounded. So I let 2 days past only to be told that they are sending me a check for the XXXX but holding my larger settlement check because the information I gave them didnt match and Truist was holding it. The people who claimed they didnt know what was going on. Long story short, I want my money, thats it thats all.
Product: Credit card

My package was never delivered to me as I was far away at a doctors appointment during the time the driver reported that I signed for a package, but somehow it was still left outside. I disputed this with capitalone, but they did not help me although I provided proof that it was stolen and I was never home to sign for the package. They have given me the run around and haven't investigated. This is the norm with capitalone. They refuse to protect or help me even though I have proof and have been fighting this since last year They continue to charge finance charge when I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need deletion : XXXX  XXXX XXXX .... Balance : {$700.00} XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1500.00} XXXX XXXXXXXX .... Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} XXXX & XXXX XXXX XXXX .... Balance : {$650.00} XXXX  XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Prepaid card

XX/XX/2024 {$450.00} my police report case number is XXXX the bank did a current pay dispute but they aint trying help hey my money back
Product: Debt collection

On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. 
FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. 
( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. 

XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. 

I do not owe this company money.
Product: Mortgage

We have been engaged in a lenghty process with First National Bank related to the sale of our home. FNB is working with the buyers to facilitate our assumable loan, but has demonstrated glaring incompetance, disregard for objectively reasonable timeliness, and a noteable refusal to communicate with us and our agent. The result has been a significantly delayed closing that results in the residence currently being unoccupied ( I am a XXXX, XXXX employee and was required to transfer to my new location by XX/XX/year> ), double insurance payments, our inability to render the planned down payment for our current home, and significant distress and XXXX. We have been horribly mistreated as customers, with numerous communications and attempts to receive timely updates being ignored or rebuffed by multiple bank officials, and the conflicting guidance and information provided to us and the buyers has caused both financial and personal damages. The lender has recently admitted they are wholly inexperienced in transferring assumeable loans
Product: Checking or savings account

On XX/XX/2020 I tried to access my American Express serve account online and it told me I didnt not have access to the online account. I then received an email stating that my account has been permanently suspended and to send a letter for further inquiry. I tried talking to costumer service and they were unable to give me any information. They also told me to send a letter. I wrote a letter, and I also emailed the company inquiring about the closure of my account. I wasnt given any notice and all of my funds are in this account.
Product: Bank account or service

I was informed XXXX certificates of deposits were closed as being dormant, even though they were rolled over just this year. The funds were sent to the State of New Jersey, though the state has no record of the transfer. Not only did I not think the accounts were dormant, I received emails from the bank ( Ally Bank ) when they were rolled over saying, " The loyalty reward at renewal is automatic, you do n't have to do a thing. '' XXXX CDs had a rollover within the last calendar year, which belies the bank 's claim that the accounts were dormant for 18 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account XXXX  XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX
Product: Mortgage

I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA NA - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Product: Debt collection

ON XX/XX/2020 I wrote HMC GROUP 2 different letters about some alleged debts that they are reporting on my credit that are not mine.I have neither receive any information nor has it been reported as disputed within the 30 days time frame by law.I would like for these inaccurate items to be remove from my credit report before i seek a attorney to represent me.I have attached a copy of the letters below.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX