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

Me and my wife settled our dispute for my second mortgage with the PNC bank in XXXX XXXX 2017 because I paid the amount that I was asked to pay and I received the attached letter from the bank but the bank kept sending information to the three credit berus instead of terminating their report. We are trying recently to refinance our first mortgage to reduce our monthly payment but we could not because the requested companies are seing this problem on our credit report and they are considering the settelment with PNC as a disclosure on the house. I called PNC Bank and they refuse to help me and they told me to contactThe federal trade commission and they recorded my conversation with them. I need them to remove this problem from our credit report and stop sending any information to our credit report. I talked to FTC ( XXXX XXXX on XXXX ) today and I was advised to file this complaint against PNC, Thank you for your help. 

XXXX XXXX and XXXX XXXX, XXXX, XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am reaching out to seek your urgent assistance in resolving an ongoing dispute concerning inaccurate and misleading accounts on my credit report. 

The accounts in question have already been successfully deleted from both XXXX and XXXX. However, I am encountering persistent issues with Experian, which continues to report the same unverified and incorrect accounts on my credit files. 

I kindly request your intervention to facilitate the resolution of this matter promptly. 

XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX XXXX XXXXXXXX - Account # : XXXX ***DELETED in XXXX  on XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX XXXX XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX XXXX - Account # : XXXX ***DELETED in XXXX on XXXX ***DELETED in XXXX on XXXX Recently, I have been consistently receiving notifications about unauthorized hard inquiries on my credit reports from all credit bureaus. This situation is causing significant distress and concern for me, and I am seeking your intervention to stop these unauthorized inquiries immediately. 

I kindly request your prompt action to investigate and rectify this issue, ensuring that my credit information remains secure and free from unauthorized access. 

Respectfully, XXXX XXXX
Product: Mortgage

Seterus , Inc . 
XXXX XXXX XXXX XXXX, CT XXXX Seterus, Inc is my " mortgage servicer '' ( although they are primarily a debt collection agency and a foreclosure company. Seterus took over my mortgage from XXXX. They have been reporting my wife and I as late payers every month for years. 

We live in a co-op apartment so we own shares in the co-op corp which entitles us to live in our apt . The co-op corp owns the property and carries full insurances. 

Reason for the late reports is Seterus claims that we have no insurance on the property and they have increased our payment amount to cover insurance. We don't pay the increased amount. We have provided proof of insurance over and over which Seterus ignores.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN LAST 4 XXXX  ), Consumer Date of Birth : ( Private D.O.B. ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan accounts, Mortgage loan account, XXXX XXXX account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Product: Checking or savings account

I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.
Product: Checking or savings account

Could not find a proper way to find the choices to get me here. This complaint is about a dispute. I bank with capital one and i have my checking account and a debit card. I was at the airport at XX/XX/XXXX and was stuck for 16 hours at the XXXX airport trying to get on a flight that had canceled me for the sake of not having enough seats. During these 16 hours i contacted someone and was told to XXXX them money in order to receive a plane ticket, this person had then done an unauthorized plane ticket purchase through my phone and eventually did not and would not answer any calls or texts or emails or anything to respond to me. Not only was i stranded because of no ticket and short XXXX $ i contacted the airline to see of there was a way i could get the money back and they had told me to contact my bank to dispute the charge. After reaching out to my bank capital one the automated system which would for some reason not understand me had me wait for 15 minutes to call my bank. When i called and was finally answered my bank would go on to have a representative help me and had me describe a situation. Not only did the representative have a hard time understanding me and i had a hard time understanding him because of his thick accent he was very unhelpful and had wrongly noted my situation as i was describing it making things difficult. After the long phone call to answer i went on to wait for the dispute to be resolved as i had boarded another plane i had paid for this time from a kiosk at the airport and was at my destination. After 2 days my dispute was denied and after another phone call i was told that i told the person to take the money and give me a ticket and it was in me that they didnt respond which in actuality i did not authorize the payment and was confused as to how that even happened. So overall im short XXXX and my dispute is constantly denied but they were the one who had wrong information. I offered proof of me being at the airport and proof of me reaching out to the person but they wont reply and proof the unauthorized amount was taken out. After trying to re open the case i was told to wait 15 days until they contact me but so far no one has contacted me at all after 2 weeks
Product: Credit reporting or other personal consumer reports

Dear CFPB, AND TRANSUNION I have sent serval letters and complaints about the fraudulent XXXX XXXXXXXX account acct number XXXX. I am not a credit repair company. I am A PERSON. as you should no, there is plenty of information online and in the FAIR CREDIT ACT to help me, the consumer to try and fix my own credit consumer report. please look at my documentation that I sent for your review, this is really getting ridiculous. Im telling you that THIS IS NOT MY ACCOUNT AND I WANT IT REMOVED FROM MY CREDIT REPORT. YOU HAVE NOT SENT ME ANY DOCUMENTATION THAT THIS XXXX XXXX ACCOUNT WAS OPENED BY ME, BECAUSE IT WAS NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Checking or savings account

Re : Chase Bank This matter with Chase Bank has been a terrible fiasco. 

When I deposited a $ XXXX XXXX  XXXX XXXX check from a friend who lives overseas, at Chase Bank ( in XX/XX/2019 ), they put a 7-day hold on its availability. Before the end of this availability waiting period, though, they sent me a letter that my account has been suspended because I hadnt given them information they requested. I hadnt received any request from Chase. 

I immediately went to the branch to talk with a customer service person directly. That person called the back office, and they told her my account was flagged for potential fraud. She said they have been trying to contact the person who sent me the check to verify that he gave me the check or whether I had faked it. 

I asked her how was Chase trying to contact him? Her response was nebulous. She then said they wanted to speak with him in person at a Chase branch. I told her that he lives in XXXX and that he is also traveling. 

I offered to call him and put Chase on a conference with him if I could reach him. They declined that. They said they want to see him directly at a Chase branch. ( He lives overseas and rarely comes to the United States, except on business matters. ) Alternatively, they recommended that XXXX put a stop payment on the check. 

Last week, I learned that they had cancelled my account because they hadn't received any response yet from XXXX XXXX XXXX. 

I immediately went to my Chase branch. That person said that there could be many reasons why they might suspect the check was fraudulent. 

I asked him where was the money? He said that it was being held back at Chase in suspension. I asked him how long it would take to release the $ XXXX back to my friend? He called the back office, and they told him they are holding it indefinitely. '' I told this customer service agent that, in essence, Chase has " stolen '' my friend 's money. Theyve taken it out of his XXXX XXXX XXXX account, and they arent returning it to him. They aren't giving it to me. Theyre using his money to continue making money on it. This agent told me that, at some point, they'll send me a check for the $ XXXX and then I can refund it to my friend. Still, theres no timeframe for them to do this. 

XXXX XXXX XXXX said it was too late to do a stop payment on the check, and the customer service agent at XXXX XXXX XXXX didn't want to talk with the customer service agent at Chase.

Can you help me get this money from Chase that they have stolen from my friend who sent me the check?
Product: Student loan

I can't get a straight answer as to what I actually owe. Each number gives me a different answer, each website also different numbers. None show correct payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> To : Experian, XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX XXXXXXXXfrom XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went to XXXX XXXX in XXXX, Kansas, to purchase a commercial truck. The finance company that approved my application was Dakota Financial , LLC, based in XXXX XXXX, CA. Before buying the truck, I paid a {$2500.00} deposit to hold the truck until I arrived from Texas. Upon arrival, I gave the dealership a cashier 's check for {$24000.00} as the down payment, and the {$2500.00} deposit was applied to the total truck price of {$67000.00}. This left a remaining balance of {$39000.00}. 

I have made 12 payments of {$1700.00} each, totaling {$21000.00}. This should reduce the balance to {$18000.00} ( {$39000.00} - {$21000.00} ). Due to a breakdown in XXXX, my truck was in the shop for a month for engine repairs. I requested a payment arrangement, and XXXX from Dakota Financial agreed to defer a payment if I made a full month 's payment, which I did on XX/XX/2024. However, after making the payment, XXXX XXXX informed me that they could not defer the payment despite XXXX 's offer. 

On XX/XX/2024, I requested a payoff statement and was shocked to receive a payoff amount of {$65000.00}. This is inexplicable given the down payment and the 12 monthly payments I have made. Dakota Financial does not provide a balance with payments, and they charge {$70.00} to request one. Despite providing all necessary documentation from the repair shop, including hours and details of the breakdown, Dakota Financial refused to honor the arrangement discussed by XXXX. This situation is both deceptive and fraudulent. 

Where has my money gone after the down payment and the 12 monthly payments? I am willing to provide email correspondence between myself, Dakota Financial, and the repair shop, XXXX XXXX, to support my claim.
Product: Debt collection

I am hoping there is a way you might be able to help me. I have a collections against me for {$35.00}. 
This is on my credit report. I repeatedly have problems with this agency. This is the third time they have stated I owed {$35.00}. In the past I filed a dispute with the credit agency and the claim would be removed. This time however they did not. I called them last month and spoke with a gentleman. He went on to say I owed them hundreds of dollars from past depts. I have never been sued for any of this. He also informed me he did not know anything about a {$35.00}. charge on my credit report, therefore he could not help me. 
Is it at all possible that you could help me with this? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter ( attached ) from LexisNexis on XX/XX/2020 which also was the response they posted on the CFPB complaint website stating that they have removed a chapter XXXX bankruptcy from my credit report with their system. Upon further investigation, they LIED not only to me but to the CFPB ( a government agency ) They are still reporting this bogus information not only on their website but also reporting it to XXXX and others. 

In a phone conversation with LexisNexis on XX/XX/2020 they informed me that it was still, in fact, being reported but they show the open they removed had the wrong case number and they removed that one and the one they are still reporting has the correct case number. 

I find it funny that I lodged 5 complaints with LexisNexis regarding this matter and they stood their ground saying the information they reported was correct. On the 6th complaint, they send the attached letter saying it was removed but it was not and they come up with the story that 2 bankruptcies were reported and THEY had the wrong number? XXXX! 

I just recently got a new insurance quote ( copy attached ) and my rate was dictated by the bogus information that LexisNexis has reported. XXXX  & XXXX  removed this item over 6 months ago with no problem! LexisNexis and XXXX are hindering my ability to get reasonable rates based on their LIES and Bogus reporting. 

Therefore I have had enough and retained my attorney XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX ( XXXX XXXX XXXX to pursue litigation and file suit against LexisNexis & XXXX  for their improper reporting practices, misleading a federal government agency ( CFPB ), money damages, court and attorney fees.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion credit bureau has ignored my request to investigate 9 inquires that currently sit in my credit file, I compared my XXXX, Transunion and XXXX scores and details and Transunion is showing almost XXXX point variance, when I looked more thoroughly I noticed there were an exorbitant amount of inquiries, when I contacted the lenders that alleged pulled my Crdit they says they haven't pulled my credit I asked Transunion to investigate they did not comply, I disputed these inquiries by mail and online multiple times. these arent my inquires. 

XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX. XXXX ( Bank XXXX XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX ( Bank ) XXXX XXXX, XXXX
Product: Debt collection

I am writing to you to complain about Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX. I have found adverse account information listed on my credit reports, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I have no known or verified accounts with this business. I did not receive any debt validation correspondence from Midwest Recovery Systems before they unlawfully reported errnous account information. Midwest Recovery Systems continues to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXas recent as XX/XX/2019. Midwest Recovery Systems is continuing to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1600.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.