23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

im unaware of this debt. I did not have the opportunity to dispute this information. if in fact, you believe you gave me proper notification then please send me the certified receipt with my signed signature.
Product: Student loan

I have received a notice of being overdue. All my payments have been made on time. They also still owe me a refund for the loans XXXX for XXXX. I tried emailing and was told my issue needed to be handled by a call. My XXXX attempt, I was on hold for XXXX minutes and I had to go back to work. The next day I tried several times and got a busy signal each time. I have even provided copies of where my bank had the funds deducted and it still has not been addressed
Product: Checking or savings account

On XX/XX/2021 we met with the branch manager of the PNC Bank location in XXXX XXXX, NJ. We met w/ the manager in order to close a CD that was held by our mother who passed away. We provided all documentation requested by PNC and were then told by the PNC manager that PNC would mail additional documentation to us for completion in order to finalize the closure of the account. 
On XX/XX/2021 we went back to the PNC branch because we did not receive the additional documentation. We were told it was mailed on XX/XX/2021 and that they would mail the documentation again on XX/XX/2021 since we didn't receive it. They gave us a number to call at PNC to follow-up at XXXX. 
Today is XX/XX/2021 and we still have not received said documentation so we called PNC at XXXX to follow-up and were told we should have the additional documentation on XX/XX/2021 and if we do not receive it to go back to the local branch and make arrangements for the documentation to be sent to the branch. 
PNC does not have a good reputation when it comes to processing paperwork and releasing funds. They make it very difficult. I work for a title company and getting a discharge of mortgage or payoff statement from them is equally as frustrating. I would NEVER recommend anyone using PNC for anything. 
At this point they will have been able to use our money for almost 2 months from date of initial contact and counting. They obviously do not want to release your money timely. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote to TransUnion to remove inaccurate information reporting to my credit report. One reporting agency has already removed this from their report.
Product: Consumer Loan

While reviewing my credit report, I noticed an unauthorized and fraudulent inquiries initiated by CITIZENS ONE AUTO FINANCE on XXXX XXXX. I did not authorize employees of CITIZEN ONE AUTO FINANCE to review my credit report at any time. I have requested that CITIZEN ONE provide me with any signed documents to validate this inquiry within 5 business days and they have failed to do so. The inquiries into my credit profile without my clear written authorization is in violation of my FRCA and Privacy Rights. I am requesting that CITIZEN ONE AUTO FINAANCE contact ALL credit Reporting agencies to permanently dele these adverse information as they directly have resulted in my inability to obtain new credit or employment and Housing.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my TransUnion credit report From XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, 2024
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 BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be remove.
Product: Credit reporting or other personal consumer reports

I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

XXXX XXXX Account # : XXXX Account # : XXXX DPT EDXXXX Account # : XXXX Account # : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.

Moreover, I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency. Therefore, in accordance with Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation into these disputed late payments, along with written confirmation of the investigation 's completion and details of any actions taken to rectify this matter.

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.
Product: Credit card or prepaid card

Citibank calls my phone numerous times a day and has broken the XXXX for XXXX rules. I have attached proof of the harassment.
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 {$11000.00}, {$120.00}.

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.

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXnce of {$11000.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00} 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. 

-- XXXX ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4200.00} -This is not my account.
Product: Checking or savings account

XXXX tricked you into paying based on promises they never intended to keep or could not deliver, and then refused to refund or fix the situation once you pointed it out.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account # : XXXX I'm writing to bring to your attention a troubling issue involving XXXX and the major credit bureaus TransUnion, XXXX XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest.

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX and XXXX credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from TransUnion, XXXX, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with TransUnion, XXXX, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused.

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Student loan

I submitted a complaint to your company on XX/XX/2022 regarding issues with my current loan servicer Mohela. The complaint ID XXXX. The only response provided from Mohela was " more time was needed ''. My loans transferred on XX/XX/2022 with the required number of qualified payments ( XXXX ) from XXXX. The response provided my Mohela doesn't make any sense. My employment ( XXXX ) and payment history was already verified from the previous servicer ( XXXX ). There's nothing for them to do... but to process it for forgiveness. Now, I'm approaching 3 months in waiting with Mohela to process forgiveness. I have only been able to speak with a customer service representative once. That was in XXXX. I was told by the supervisor that my loan would be processed for forgiveness within a few weeks. I've made several attempts to call customer service again. However, I don't have hours on end to wait and listen to a pre-corded message that doesn't allow you to ever reach a person. 

I don't understand why am I waiting for loan forgiveness when I qualified for it in XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I made XXXX payments in XXXX to get my account paid in full. The first payment was on XX/XX/24 for {$140.00} and the second payment on XX/XX/24 for {$840.00}. The due date for the payments is the XXXX of every month. I was still reported to the credit bureau as late for XXXX although XXXX payments were made and my account has a XXXX balance.
Product: Mortgage

I have been trying to get in touch with my mortgage company for at least 4 months. My call can never get to them. I'm always on hold for over and 1 hour. My access to the website has been blocked, in order to unlock my account I have to call them directly, but how if I'm always on hold for so long. I just want to ask a few simple questions, how can I add my wife as an authorized party or what happens if I default on my account at some point.
Product: Credit card

I contacted Citibank after my family 's cards ( XXXX XXXX & XXXX XXXX ) were lost during our vacation. Upon checking my account, I discovered that my sons card had been stolen and used. I promptly notified Citibank about the fraudulent charges. They apologized for the inconvenience and assured me that cardholders have XXXX liability for fraud, and a temporary credit would be issued while the claim is processed. However, no action has been taken since the claim was filed. Despite being a loyal customer and continuing to pay my bill, this situation has created a hardship and is negatively impacting my credit and credit line. This issue needs to be resolved and updated immediately.
Product: Credit card or prepaid card

I am a XXXX  father with an XXXX  son. I constantly need to buy clothing for my son. One of the stores I frequently visited was Carters. Almost every time when I paid for my merchandise, the cashier tried to convince to apply for a Carters credit card. They gave me a number of reasons for having the credit card, such as discount on the first purchase and accumulated credit points for subsequent purchases. I declined and I told them I did not want to carry any overlooked balances on my credit card. They latter assured me that would not be a problem because I could pay off immediately any credit card balance at the point of purchase with cash. I told them I would have the card if that would be the case. Thereafter, I paid cash every time I made any purchases. Nevertheless, in XX/XX/XXXX, I received an invoice from Carters with an overdue balance of {$45.00} on an original purchase of {$21.00} made on XX/XX/XXXX. That is, there was an additional charge of {$23.00} ( penalty plus interest ) on the top of the {$21.00} purchase. I called Carters and complained. A person from Comenity Bank ( the finance partner of Carters ) answered and asked me if had any proof of paying the original payment of {$21.00} at purchase. I told her that this was a small amount and I possibly paid cash and might not be able to locate the receipt even if I kept it. However, I was sure I paid the {$21.00} before they allowed me to leave the store. Further, that was what I did all the time. The Comenity bank person said that they would investigate. However, they kept mailing me letters asking me to show them proof of payment of the original purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED XXXX 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. CXXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a tax lien on my credit on XXXX XXXX 2017 that I had no knowlege of and ask Equifax to remove it or provide me with the proper information about the lien which included all paperwork with my name, ss #, address, state id, and signature they did not provide any paperwork. They said, did an investigate through a third party XXXX  which in turned had no proof either. I ask them to please remove off my credit report because it was causing adverse affects on me get a job or a bank account. I went personal to XXXX County Clerk Office XXXX XXXXXXXX XXXX XXXX XXXX, XXXX TX XXXX which I do not live in and ask a clerk about the information and they said they could not give it to me if I was the person. I ask is there a social security number on the file they said no, it against the law to put on any document. So, I confused about their proof of who this tax lein belongs to and would ask the remove it off my credit immediately.
Product: Debt collection

I continuously have tried to have XXXX XXXX XXXX and XXXX XXXX removed off of my credit! I have never gotten a credit card or loan before XXXX of 2017! And i have never gotten a phone on payments i buy my phones cash from XXXX XXXX since forever! Also XXXX XXXX or XXXX I dont have cable or internet! I even have a credit freeze on and They keep coming back as verified and thats just impossible! Plus there are ALOT of inquiries thst are inaccurate as well! I never got a police report because i never knew until i started trying to build credit! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed I've been a victim of identity theft and found numerous credit inquiries that I have No knowledge of here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

please remove the fraudulent inquiries from my credit.
Product: Credit card

When I paid my Chase credit card today, I noticed some design changes on their website. The unannounced changes to the page design are such that you might think that no payment is imminent, and in addition, the information about the due date is missing. My payment was due on XX/XX/year>, but the information on the account page on XX/XX/year> was " You don't have a payment due right now. Your next billing period ends on XX/XX/year> ''. 
There is also another " missing '' information on the payment page. Until recently, there were XXXX options to choose from when making a payment : Minimum Payment Due, Last Statement Balance, Current Balance, and Other. The " XXXX XXXX XXXX '' is now gone, and it adds another layer of uncertainty when making the payment. 
Considering that Chase 's " upcoming payment '' text/email alert is basically non-working, I suspect that the bank is trying to do everything possible to make money on late fees.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. 

The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. 

Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. 

Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities.

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : 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

the charge off my XXXX XXXX account in experian shows as XX/XX/XXXX while the XXXX account history should be XX/XX/XXXX .I have complained and dispute almost 6 times but never fixed by experian.This has caused be denial in home loans and also higher intrest rates for cars and denial of credit card