23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

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

I have sent notice to experian credit report where my mortgage company says i didnt pay XX/XX/2018 payment i paid XXXX cents on XX/XX/2018. My payments areXXXX a month .i cant and dont know why this happens every month
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, AND XXXXwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion that is hindering my file.
Product: Mortgage

Initiated refi with Roundpoint Mortgage XX/XX/XXXX, called a week prior to loan transfer to inform County Taxes ( 6 months ) and Hazard Insurance ( year ) was paid last month. 

XX/XX/XXXX Roundpoint paid County Taxes and Hazard insurance causing a " shortage '' in our account, i informed them of their mistake they said they would take care of it and request refund and place fund back into escrow balance. 

XX/XX/XXXX, Roundpoint sent us a notice that our mortgage was going up due to a " shortage '' in our escrow account. I had to call and inform them of their mistake and that our account had been refunded our County Taxes and Hazard insurance ( {$4300.00} ). They informed they would run a new escrow analysis since fund had been returned but not accounted. 

XX/XX/XXXX, escrow analysis was never completed. Called again, Roundpoint informed they would run one asap. 

XX/XX/XXXX, Roundpoint has an overage in our escrow account ( over $ 2K ), taxes have not gone up and hazard insurance has not increased, yet Roundpoint withdrew an extra amount to cover for a " fictions escrow shortage ''. Contacted Roundpoint, they never apologized and still initiated the extra amount for XX/XX/XXXX to cover for a non-existent shortage. 

XX/XX/XXXX, Roundpoint sent us a check with excess amount owed back to us causing a real shortage in our escrow account and causing our mortgage to go up! 

These people are totally incompetent when it comes to numbers and escrow accounts! They have illegally raised my mortgage when my fixed rate can not change and my County taxes and Hazard insurance has not increased. 

I have only had their " service '' four months and they have not got ANYTHING right, i have had to call every other week to request promised excreted analysis be done and demand my payment return back to what it was locked in at. 

AVOID this company.
Product: Money transfer, virtual currency, or money service

Tried to send euros to coinbase from a us account, the problem is that the bank account holder is different from the coinbase account holder, so the money did not credit nor refund. Tried to contact, send mails, ask the bank to made a callback, nothing happend. The transaction was on XX/XX/2017 for eur XXXX!
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 {$1900.00}, {$10000.00}, {$5700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX/XXXXXXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/year> MIdland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Letter & Debt Validation Request To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the alleged debt referenced in your records. Furthermore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA to request detailed validation of this debt. 
As per my rights, please provide me with the following information : The nature of the alleged debt, including a detailed explanation of what the money you claim I owe is for. 
A complete breakdown of how you calculated the amount you claim I owe. 
Copies of any documents bearing my signature that indicate I agreed to pay the debt in question. 
A verification or copy of any judgment against me, if applicable. 
The name and contact information of the original creditor. 
Proof that the statute of limitations on this debt has not expired. 
Evidence that your company is licensed to collect debts in the state of California. 
Your companys license numbers and the identity of your registered agent or agent of service in California. 
Until I receive the requested verification and validation of the alleged debt, you are prohibited from reporting this debt to any credit reporting agency per the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Additionally, if you fail to properly validate this debt, any continued collection attempts will be considered a violation of my rights under the FDCPA, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and other relevant authorities. Please be advised that failure to comply with this request may result in legal action against you. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$150.00} -This is not my account.
Product: Credit card or prepaid card

Wells Fargo Credit Card ( Multiple Fraudulent Cash advances on my Credit Card ) - Company claims I am responsible for the charges even though my account has never had any history of cash advances. I have been calling since XXXX XXXX and have suffered severe XXXX  due to the XXXX  caused by Wells Fargo 's incompetency and refusal to aid me with these issues. Below are the amounts and statement dates where these Fraudulent charges were identified. I have lost track of how many times I have reached out to Wells Fargo for assistance. Further, my card limit is XXXX yet all this Fraud managed to push my balance to over 12,000+ / 7,000. This has destroyed my hard-earned credit score and mental / physical well being. Below is an outline of the charges - Cash Advances - Billing Statement : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  {$25.00} + {$10.00} fee -> interest ( {$0.00} ) ** Billing Statement : XX/XX/XXXX to XX/XX/XXXX CASH ADVANCES 23.99 % variable {$450.00} interest -> {$9.00} Billing Statement : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CASH ADVANCE XXXX XXXX XXXX IA {$590.00} XX/XX/XXXX XX/XX/XXXX XXXX CASH ADVANCE XXXX XXXX XXXX IA {$1100.00} TOTAL CASH ADVANCES FOR THIS PERIOD {$1700.00} XX/XX/XXXX XX/XX/XXXX CASH ADVANCE FEE XXXX XX/XX/XXXX XX/XX/XXXX CASH ADVANCE FEE XXXX INTEREST CHARGE ON CASH ADVANCES XXXX Total : CASH ADVANCES 23.99 % variable {$3200.00} 29 interest -> {$61.00} Billing Statement : XX/XX/XXXX to XX/XX/XXXX CASH ADVANCES 23.99 % variable {$3900.00} interest -> {$83.00} XXXX Totals Year-to-Date Total fees Charged : {$39.00} Total Interest Charged : {$150.00} Cash Advances : {$3900.00} PAYMENTS since XX/XX/XXXX - XX/XX/XXXX Break down of how my payments were allocated by Wells Fargo : XX/XX/XXXX : {$340.00} ( valid ) - XXXX $ ( cash advance ) + XXXX $ ( interest ) XX/XX/XXXX : {$1000.00} ( valid ) - XXXX $ ( cash advance ) + XXXX $ ( interest ) XX/XX/XXXX : {$3000.00} ( valid ) - Full principal - did not pay for Fraud charges Presumably amount owed to Wells Fargo : {$5200.00} ( non-Fraudulent authorized charges ) Executive Office for Fraud Credit Cards : XXXX Fraud Claims Department # : XXXX -- Attempts to contact and resolve situation in XXXX Case initiated : XX/XX/XXXX @ XXXX Helped by XXXX in Credit Card Fraud Claims XXXX XXXX North Carolina Office Presumably filed on XX/XX/XXXX but when I called to check on the status there was no notes on my account and nothing had been filed ( this has happened multiple times in the past ) - Complaint ID : XXXX XXXX - XXXX Arizona XXXX Customer Advocacy Support Team ( Executive Office ) @ XXXX Friday XX/XX/XXXX Updates : Wells Fargo processed claim on XX/XX/XXXX Anticipated 7 - 10 business days for response XX/XX/XXXX called Wells Fargo and was told they have yet again denied my claim and had missed over 50 % of the charges that I was disputing. 
-Filed a complaint with their consumer complaints department on XX/XX/XXXX XXXX told will be getting a phone call within 24h ).
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/2023, Consumer Number XXXX, Case Number XXXX. 

This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. 

The item in dispute is the Incorrect Possible Criminal Records that LexisNexis is reporting on my LexisNexis Accurint Report.

This is my third notice to LexisNexis regarding the Incorrect Possible Criminal Records that LexisNexis is reporting on my LexisNexis Accurint Report.

This information is incorrect as I do NOT have a criminal record. It appears that the item LexisNexis is reporting is an alleged traffic offense. In Illinois, traffic offenses are NOT considered to be criminal in nature. 

Additionally, the LexisNexis Accurint Report does NOT identify the county where the alleged traffic offense is said to have occurred. Additionally, the LexisNexis Accurint Report does NOT contain the disposition of the alleged offense. 

I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was denied so I checked my consumer report and discovered that Rent debt is reporting a debt that not only does not belong to me but is beyond the statute of limitations for debt collection in the state of Texas pursuant to Title 5 chapter 392 of Texas finance code.
Product: Checking or savings account

Approximately 2 weeks I was notified by Chase that they believed the charges from ZIP were approved and they began refusing all credits on the account. I advised Chase that I did not authorize those charges but since that date they have continued to not only reverse the charges but have charged me overdrafts fees in the amount of {$35.00} for each and every one of those unauthorized charges. 

This morning 4 overdraft fees came in on those charges and one of the accounts is in the negative over {$250.00} dollars. I have been told another reversal is scheduled to go through on the XXXX of this month which will have the account in the negative over {$1000.00}. I have attempted to get in contact with my employer to change my remaining direct deposits to my XXXX XXXX XXXXXXXX accounts but have been told they need at least XXXX weeks. 

I should not have to give up my entire paychecks to Chase because they choose to believe that the XXXX unauthorized charges made on my account are my responsibility if I did not authorize them. 

XXXX XXXX XXXX please reach out to Chase and ask why they choose to believe a fraudulent company over their customers. Ask why it is I am being charged {$35.00} for over XXXX unauthorized charges on my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding a matter of identity theft that has had a significant and detrimental impact on my credit health. A credit card was fraudulently opened in my name with XXXX XXXX, leading to a charge-off amount of {$13000.00}. This incident has resulted in an unwarranted 100-point drop in my credit score, unfairly penalizing me for circumstances beyond my control. Despite my efforts to resolve this issue, including filing a police report, an identity theft report with the Federal Trade Commission ( FTC ), contacting the involved bank, and disputing the fraudulent account with the credit bureaus, my case has not been resolved. The credit bureaus have refused to conduct an investigation or remove the fraudulent account on my credit reports. This refusal to act not only exacerbates the injustice of the situation but also leaves me, the victim of identity theft, to suffer the financial consequences.
Product: Credit card

Please refer to the detailed letter attached that I wrote to XXXX XXXX XXXX after they called me regarding my Macy 's account. Macy 's is completely violating the FCRA reporting to my credit a charged off account and only showing XXXX 120 day lates in XXXX XXXX, XXXX XXXX, and XXXX XXXX. There is a balance I do n't owe also reporting of {$280.00} ( see attached page of my recent credit report ). I closed this account after the terrible customer service trying to find out why my perfect financial past is being heavily hurt by their errors and I cant get a home loan because of them. I NEED THEM TO CORRECT THIS IMMEDIATELY OR I WILL FILE A LAWSUIT AGAINST THEM. THEY DECIDED TO NOT CASH MY CHECK AND RETURN IT TO ME AND CA N'T EXPLAIN WHY. I AM NOT AT FAULT AND IT IS FRUSTRATING TO HAVE TO TAKE THESE MEASURES TO RECTIFY IT. SEE ALL ATTACHED DOCS AND HOLD THEM ACCOUNTABLE.
Product: Checking or savings account

my Chase Paymentech Merchant Account transferred credit card and debit cards deposits to a different account number not associated with my business. On XX/XX/2023 thru XX/XX/2023. Chase Paymentech transferred {$260000.00} of my business deposits to a different account without my knowledge. I have unable to get Chase to redeposit the total amount of card card and debit card owed.
Product: Consumer Loan

Account ending in XXXX. 
I wrote back to you regarding TD Bank car loan. After struggling to make monthly payment on- time due unemployment issue. I received two letter from TD Bank dated XX/XX/XXXX, saying Congratulation! your final payment is now due. please pay the amount indicated below by due date. total principal balance XXXX principal due XXXX financial charge due XXXX Late charges total XXXX. 
on a second letter i received from TD Bank dated XX/XX/XXXX, stated current due XXXX total amount due XXXX. This second statement raised into questioning. In XXXX I submitted a complain regarding extra payment beginning of the loan in total amount of {$410.00}. I was told that money will apply to the end of the loan. I called this morning I was told that money has been used into Principal. Now I 'm at end of making a final payment, final payment is more than regular monthly payment due to late fees. I would like to know about the excess payment I had made toward my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXX
Product: Debt collection

I was seen by XXXX XXXX in XX/XX/XXXX for a XXXX. I presented my insurance information at the time of service and was never notified that I owed them {$65.00}. They had my correct address and telephone number but never contacted me by mail or phone that I owed the money in almost 2 years. In XX/XX/XXXX they sent my information to a collection agency ( Transworld Systems ) who in turn reported it to the credit bureaus resulting which totally trashed my credit and dropped my score by XXXX points. I would have paid the debt had I known about it in the first place. It was n't until XX/XX/XXXX that I received a bill for the {$65.00} from Transworld Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account which was paid in full Back on XX/XX/2018 and it is now XXXX XXXX and the account is still being submitted and never reached being Under investigation. I want this removed from my credit report being so I was responsible to get it paid in full.
Product: Checking or savings account

XXXX I just received an email from CFPB stating the company responded. They have not responded. They finally refunded {$4.00} for multiple charges I reported. However, they have not refunded overdraft charges to my checking account, nor have they indicated they have blocked " XXXX '' from continuing to charge me, which brought me to complain in the first place. 
US Bank 's standard reply is : Close your account and open a new one. No, this is a major inconvenience to me. If a bogus charge is continually coming from the same place, US Bank has the ability to block a repeat transaction. They have continually refused to do so. 
I demand : Refund of overdraft charges associated with these transactions ; stopping all overdraft charges to my checking account because I have repeatedly asked these to be stopped.
Product: Credit reporting or other personal consumer reports

Transunion has no proof meaning wet signature that Im responsible for this auto loan showing on my credit report called XXXX XXXX XXXX therefore it needs to be removed immediately according to the Fair credit reporting act ( FCRA )