23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/22 I called US Bank about closing the escrow account on my mortgage. Loan is more than 9 years old and loan to home value is less than 25 %. Representative said I can close the escrow account but required that I pay a fee of about {$660.00} to do so. It doesn't sound right that the customer needs to pay a fee to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; As you well know, I have had a plethora of incidences where I have reported and subsequently disputed items on my credit report as both fraudulent or not mine. Upon reviewing my most recent disputed items and their completed status, I have come to realize that some new items are now reporting on my credit report that are certainly not mine. The following I am currently disputing as FRAUD. These accounts, inquiries, collections, etc. have been wrongly reported in my name due to being fraudulently opened in my name. Please dispute them accordingly. 

COLLECTION - XXXX XXXX Account : XXXX Original Creditor : XXXX XXXX Date Opened : XXXX Amount owed : {$2800.00} INQUIRIES - XXXX XXXX  Date : XXXX/XXXX/XXXX ADDRESSES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks you for your help with this matter. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a late notice. My payment was mailed through the XXXX. The payment was lost by the post office. I informed Toyota that the payment was lost. They refused to remove the 30 day delinquent from my credit report. If you check my credit history I have never had a late credit fee or charge ever on any accounts
Product: Debt collection

On XX/XX/2022, I contacted SYNCHRONY BANK/ TJMAXX and asked for a debt validation letter. XXXX, with employee id XXXX stated that I needed to send a written correspondence to SYNCHRONY to request a debt validation letter. This is a direct violation of 15 USC 1692g. SYNCHRONY is preventing my ability to exercise my rights to validate this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX : XXXX I need these items deleted from my report as a victim of identity theft. 
These inquiries are not valid or authorized for any open accounts. Please provide proof of authorization on inquiry or delete as a violation of my FCRA rights. 

Do not add any additional personal statements at this time. Do not add any alerts. 

* Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXXXXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 * Inquiry : XXXX XXXX XXXX * Source of dispute information : inquiry * Dates associated with item being disputed : XX/XX/2023 FTC REPORT XXXX ADDRESS PROFF ATTACHED*** Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect credit limit ( says {$1100.00}, actually over {$3500.00} ) creating artificially high utilization ratio which is decreasing credit score and creating undue financial hardship
Product: Credit reporting or other personal consumer reports

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate public record in my report as soon as possible Bankruptcy XXXX XXXXdischarged US BKPT CT XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, When I made a payment of {$290.00} available credit was {$6000.00} and I'm sure I haven't used the card since then. I never could see my statement online or in any other way so I can't speak to what is happening but I assume the card number has been stolen from some hotel in XXXX, OR, or XXXX, AK. I would like the charges removed and my card brought back to {$0.00} balance. The card is missing it's possible room cleaning took it and has been using it since the time I made {$290.00} payment. I see I have bad credit now. I'd like my credit restored I've never missed a payment. Thank you. I tried to call paypal mastercard about this but wait time was an hour.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

- I originally disputed this debt. I did not sign for this debt or to open this account. My ex husband did so without my approval. 
- The documentation provided showing my signing showed a signature that did not match my signature at all. 
- I was bullied into a settlement and told I would in no way be able to dispute the debt. They basically said good luck proving you didnt sign for it. 
- I set up a plan with the collection agent at that time. In around XX/XX/XXXX I set up online bill pay to them but then in XXXX I was notified that they were going back to court for a judgment. I spoke with them and discussed the payments sent. They confirmed they had not received. We confirmed information and they set up a new settlement with me. I paid {$300.00} up front and was given additional amounts to pay. I asked about if I could set up automatic payments to get the account settled for smaller amounts and they said it would be fine as long as the total amount was paid by the expected end date. I set up these payments and believed all to be well. 
- Some time in XX/XX/XXXX I found out - I dont recall how - that I had been {$80.00} short of the payment plan in error, that the judgement had already been filed against me despite not knowing and not being told that was happening, and that despite my prior payments they were again looking to collect the balance owed. They tried to offer me an additional {$600.00} and change settlement on top of the {$1000.00} already paid. I refused and sent a letter about what had happened. I also asked them to review the recordings of my call with the prior agent. They said they would do so and get back to me but they did not. 
- During this time, my daughter was XXXX- in and out of various XXXX from a XXXX XXXX XXXXXXXX. I know this is no ones fault but it is relevant to what was transpiring at the time. I had limited income, and this debt was not mine to begin with. I did my best but when I did not hear anything further, I can not say if I thought this was resolved based on the recording or if it just fell by the wayside. 
- I heard nothing further by mail or email or phone from this issue until receiving the writ of continuing garnishment document served to me by e-service on XX/XX/XXXX. While my mailing address has changed over the years and I had provided my correct address of that time to the collection agency in XXXX they have an address from XXXX on the court docs. My email address and phone number have been the same and on file with the courts since prior to XXXX - and they successfully used it for the writ of garnishment notice after the fact but not any other notices or service. 
- When I called them this month they said the last time they tried to contact me was by letter in XX/XX/XXXX again to that old address. They did not attempt to call or contact me anytime after that and instead 2 and a half years later they filed for the garnishment of the full amount of the original debt minus anything already paid. Additionally when I called they tried to collect $ XXXX over what the total from the amount on their garnishment minus the {$1000.00} I paid.
Product: Debt collection

This is an old insurance deductible amount which was already paid. XXXX XXXX sold to three different collection agencies. XXXX XXXX XXXX, XXXX XXXX XXXX and now M Leonard & Associates. Under CCPA i will file a complaint for XXXX XXXX for sharing my private information while their debt has already been settled.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : XXXX. Last Verified On Transunion the last date verified XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXX of last Activity on Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXXDate Reported on Transunion XX/XX/XXXX XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXXCredit Type on Transunion XXXX XXXX on XXXX XXXX  XXXX Companies And on XXXX Auto Financing XXXXPayment Status on Transunion XXXX XXXX paying as agreed on XXXX Current was past due XXXX  days and XXXX Pays account as agreed XXXXAccount Type on Transunion Installment account on XXXX XXXX XXXX and on XXXX XXXX XXXX payments on Transunion XXXX and XXXXXXXX XXXX XXXX XXXX days late then XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX  days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies.

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Product: Student loan

5 private student loans were opened with Citibank in/around XX/XX/XXXX. After going through financial stresses, I filed chapter XXXX BK in XX/XX/XXXX and was discharged in XX/XX/XXXX. Payments were made to Citibank while the loans were in bankruptcy. After BK discharge, Citibank transferred servicing of my loan at some point but never notified me. Citibank never sent me a bill or emailed me to state that my payment was past due at any time. My information was correct in their system, as I had checked the website multiple times throughout the last several years and made sure all contact information was up to date. Citibank is now reporting my loans as charge offs/collections and the servicer does not know which collection company my loans went to. I am paying federal student loans and would have no issue paying these private loans but Citibank never contacted me regarding payment, either by US postal mail or email and just sold and reported to the credit bureaus as charge offs.
Product: Debt collection

I suppose to still pending with a debt with XXXX XXXX XXXX and it was settle down a time ago, there is no way to erase it from my credit report.
Product: Mortgage

XXXX XXXX XXXX took over my second mortgage on XX/XX/2019. XXXX billed me an overdue amount of {$1400.00}. XXXX alleges First American Funding misapplied payments via ACH wire transfer payments that Fiurst American collected during the time First American serviced this loan. Further, XXXX alleges this loan was 115 days in areas when transferred from First American. At no time did First American notify me this loan was in arrears. In addition First American set up, maintained, and managed the ACH wire transfers, and at no time did First American report any problems whatsoever. First American never reported any negative account information to me or to any credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth XXXX XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX employer is : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

I have requested multiple times for Equifax, XXXX and XXXX to remove my two Bankruptcy records from my reports. XXXX removed one, however, Equifax and XXXX both claim it is public records. I have a letter from the Bankruptcy court that they did NOT in report to the agencies, which means they received the information from a third party. I have opted out many times from XXXX, so I do not know where they have gotten the information. I never gave anyone permission to report this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who 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 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
XXXX XXXX XXXX XXXX  Original creditor : Progressive Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXX via XXXX XXXX, INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX from FNB of PA sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to FNB of PA and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD location for FNB of PA on XX/XX/2020 regarding FNB mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with FNB of PA in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at FNB of PA. I was told by FNB of PA that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and first national bank in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for FNB of PA. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for FNB and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, FNB of PA  responded to my emails and said that the mortgage company for FNB agreed to remove the negative reporting that my mortgage was late XXXX 2020 since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because FNB mortgage dept was taking too long to respond to me. However, the letter FNB sent in response to my XXXX XXXX XXXX and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. FNB of PA mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to FNB in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for FNB in  XX/XX/2020 and not my second mortgage company. I need FNP to  do what they said they would do, remove the negative report from my credit.
Product: Credit reporting or other personal consumer reports

Good afternoon, I am a victim of Identity Theft. Sunrise Credit Services has opened a collection account as a result of that Identity Theft. Please have them block this account from reporting to my credit report and have them do an investigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX 08 XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OF FROM MY REPORT IMMEDIATELY.
Product: Debt collection

Debt was not mines and was a billing error 15 US code 1666B
Product: Checking or savings account

I noticed on XX/XX/22 three ( 3 ) unauthorized charges pending on my account. I requested a new card since I used my debit card at a gas station ( in the past I experienced fraud from paying for fuel at the pump ). Today, I disputed the three ( 3 ) charges ( over {$500.00} ) and again requested a new card. Later the same afternoon I received an email advising the investigation concluded that no error occurred and the charges would be reimbursed. I replied to the email demanding to examine documents that decided no error occurred. I did not authorize the transactions!!! 

I also called and after 2 representatives and 30 minutes on hold was told the same ; so, I requested documents that prove I allowed the transactions/ I never approved the charges. I was told I would receive the documents in 10 business days. 

I will be closing my account. I understand other people have lost money to these XXXX. Please help! 

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

There are inquiries on my credit report that I didn't authorize. I've contacted Transunion and was told that I have to file report with FTC. 

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

I contacted Experian about reporting wrong information concerning my address approximately 45 days ago on XXXX. To date, Experian has not changed my address to the correct one, even though I informed them of fraudulent activity upon my report.

U.S.C 1681 ( a ) 4 : : here is a need to insure consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy/ ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX ) The Loan may be under The XXXX XXXX XXXX