23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, UT XXXX Subject : Final Request for Deletion of Inaccurate Charge-Off Account # [ XXXX ] To Whom It May Concern, I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account # [ XXXX ]. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. 
I have provided a 1099-C form which confirms that the debt associated with this account was canceled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. 
The continued presence of this charge-off is inaccurate and non-compliant with the law. 
I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in some of the information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are required to verify these accounts. It is impermissible for them to classify this reporting account as unverified without furnishing evidence within the legally stipulated timeframe. The following accounts require investigation and correction due to erroneous reporting on my credit file, as listed in my credit report : XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am sending to dispute the accuracy of the collection account appearing on my credit report. The account in question is listed as PRO COLLECT XXXX Balance : $ XXXXand it negatively impacts my creditworthiness.Upon reviewing my records, I have identified discrepancies in the reporting of this account, and I believe it is reported inaccurately. I request a thorough investigation into the matter and kindly ask for the deletion of this collection account from my credit report if it is found to be inaccurate.
Product: Debt collection

I am astonished by your claim that the fraudulent accounts on my credit report have been verified as accurate, as this contradicts the truth of the matter and the actions taken by other credit bureaus. It is perplexing that while other credit reporting agencies have followed suit and appropriately addressed similar disputes, your bureau seems to be neglecting its obligation to comply with the law and provide accurate information. I have not received any substantial information or evidence to support the alleged verification process that you claim to have undertaken. It is my right, under the Fair Credit Reporting Act ( FCRA ), to be informed of the specific details surrounding the verification process, including the evidence used and the entities involved in the investigation. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX PLEASE DELETE!!! 

I urge you to conduct a swift and thorough investigation into my dispute and rectify the inaccuracies in my credit report. I expect a timely and detailed response to this letter, including the specifics of the alleged verification process and the evidence used to support your claim. I also request an immediate correction of the fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 a charge for XXXX in the amount of {$14.00} posted to the account. On XX/XX/21 I filed a fraud alert. The card was cancelled and a new one was sent immediately. However, the amount of {$14.00} was never credited. I have made multiple calls to Citibank about this charge and keep getting told the amount will post in 2-buisness days. The amount has never been credited and the dispute still shows as open on the Citibank website. 
Their site states the dispute would be resolved no later than XX/XX/21. The last phone call to Citibank was on XX/XX/21 where I was once again told the amount will be refunded within 2-buisness days. I was also told that the case has been assigned to a fraud expert, but not being handled at this time.
Product: Checking or savings account

XXXX hold on funds Impersonating Bank Representatives Scam of funds and contact numbers Funds verification PNC BANK XXXX XXXX XXXX PNC/XXXX  Check Deposit {$3500.00} XXXX XX/XX/2021 XXXX XXXX XXXX Account
Product: Credit card or prepaid card

I have recently been laid OFF bcoz of the covid-19, so I was put on unemployment a month ago. Originally I tried to do direct deposit, so I called up unemployment and they told me It went on a card.. so I called up US BANK and waited for an hour and a half to talk to someone, they told me that unemployment had put my money on a card that was old and the card was expired, the representative told me they would send me out a new card and to destroy the old card, which I did.. they said it would take 5-7 business days, I said OK. So today is the 6th business day of waiting and still no card so I decided to call them back to check on the status of the card.. now I understand they are extremely busy, so I waited for 4hours on the phone to talk to someone and still no one and all I wanted to know was the status on where my new card is.. I tried so many times to talk to someone. I need that card to pay bills. The wait time was ridiculous. I have tried several times to call, waited over 4hours on XX/XX/2020 and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit app just took {$25.00} from me when that's very well on XXXX says the website is free it is not free I'm on social security XXXX XXXX XXXX trying to improve my credit for very known reasons the pandemic for one in any case they took {$24.00} out of my XXXX account okay and they will not fix the credit and they will not allow me to add my XXXX XXXX card which the government knows that's how I get paid from XXXX therefore I can not get a boost why would I pay a company to do absolutely nothing for me they don't give you access to the dispute site they took my money services are not rendered you can't get a hold of them to support on the website or by phone you can't even barely find the phone number it took me 2 hours to find it I want my money back because they will not allow me to add XXXX XXXX so I can't get a boost because that's how I pay all my bills please help and fix this problem we as American we have that right and we deserve to have our credit in good standing without being ripped off and getting the points we deserve
Product: Credit card or prepaid card

My credit card was stolen. There were 35 unauthorized fraudulent transactions on my credit card. They are all listed Below : XX/XX/2023 : {$43.00} from XXXX XXXX XXXX {$12.00} from XXXX XX/XX/2023 : {$42.00} from XXXX XXXX XXXX {$8.00} from XXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX XX/XX/2023 : {$18.00} from XXXX XXXX XX/XX/2023 : {$12.00} from XXXX XXXX XX/XX/2023 : {$31.00} from XXXX XXXX {$10.00} from XXXX XXXX {$7.00} from XXXX XX/XX/2023 : {$32.00} from XXXX XXXX XXXX XX/XX/2023 : {$33.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$32.00} from XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$10.00} from XXXX XXXX XXXX {$3.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$23.00} from XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$34.00} from XXXX XXXX XXXXXX/XX/2023 : {$36.00} from XXXX XXXX XXXX XX/XX/2023 : {$36.00} from XXXX XXXX  {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$30.00} from XXXX XXXX XX/XX/2023 : {$8.00} from XXXX XX/XX/2023 : {$34.00} from XXXX XXXX {$10.00} from XXXX XXXX XX/XX/2023 : {$26.00} from XXXXXXXX XXXX XXXX XXXXXXXX {$37.00} from XXXX XX/XX/2023 : {$37.00} from XXXX XX/XX/2023 : {$90.00} from XXXX XXXX I promptly reported the stolen credit card and unauthorized fraudulent transactions to the fraud department at Citizens bank. The lady on the phone processed my claim and gave me a claim number XXXX. The total amount of unauthorized fraudulent transactions is {$830.00}. The lady on the phone incorrectly reported {$800.00}. 

I received a letter in the mail 7 days later from Citizens Bank that my fraud claim was denied. No reason at all was given to me as to why it was denied. Since I received this letter, I have repeatedly called the company, but was placed on hold for hours upon hours and hours, and hung up on. I have called the company at least 12 times since XX/XX/XXXX to resolve these fraudulent transactions on my account, to no avail. 

Citizems Bank is not only refusing to remove these fraudulent transactions, but they are charging my credit card interest on top of them. Two incorrect interest charges of {$57.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX were placed on my credit card account. 

I respectfully ask that Citizens Bank remove these unauthorized fraudulent charges from my credit card immediately. I also respectfully ask that Citizens Bank remove the erroneous interest charges that accrued as a result of these fraudulent transactions immediately.
Product: Consumer Loan

24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.
Product: Credit reporting or other personal consumer reports

To whom it May Concern : I am writing to formally follow up on the recent reinvestigation of my account, Account # : XXXX which I initially disputed on XX/XX/year>. After reviewing your findings, I understand that the account has been verified as accurate. 

While I appreciate the effort taken to verify the information, I would like to request further clarification regarding the verification process and the specific data that was reviewed. Understanding the basis of the verification is important to me, as I wish to ensure that all information reported is not only accurate but also complete. 

Please provide me with the following : 1. A detailed summary of the data that was verified.

2. The sources used to validate the information.

3., Any supporting documentation that confirms the accuracy of this account.

If there are any discrepancies or unresolved issues that need to be addressed, I would appreciate your guidance on how to proceed.

Thank you for your attention to this matter. I look forward to your prompt response.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 


Sincerely, XXXX XXXX
Product: Mortgage

A payment I mailed on XXXX was received by Shellpoint Mortgage Servicing and posted to my bank account onXX/XX/XXXX. However, Shellpoint did not apply this to my mortgage and shows my mortgage as being delinquent. I have spoken to Shellpoint on at least 4 occasions. I have sent a copy of the cashed check on 3 occasions. Shellpoint acknowledges having the copy of the cashed check with their endorsement on it. They have been unable to identify the reason for the payment not being reflected on my account. In the meantime, they continue to send increasingly aggressive letters stating their intentions to collect this debt.

I have tried to provide all of the information necessary for Shellpoint to rectify this problem. I am at a loss of what to do. Your help would  be of great assistance.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit card or prepaid card

Valid form of payment was refused Billing statements have not been arriving on time credit card is in past due status.
Product: Mortgage

Bank of America has sent be a Mortgage Modification for the third time. I have a modification on file in XXXX County, Florida as required that supersedes the one they have sent me. I call the lender and all I get is pushed around. This is the XXXX complaint I have filed on this issue. The modification they have sent would double my current payment and add {$75000.00}. to the balance of my mortgage
Product: Checking or savings account

An unauthorized check drawn transaction is showing in my Chase checking account. 

Date : XX/XX/ Date posted to my account : XX/XX/ Amount : XXXX Company showing as : XXXX XXXX XXXX Customer service number on the check : XXXX XXXX XXXX It says " No signature needed - This check has been electronically autorized by voice or electronic verification by your depositor ''
Product: Prepaid card

I have a prepaid XXXX  card with a balance. The company claims that this card is expired and only active for approximately 6 months. The company refuses to reopen the card or provide any balance information or activity. I do not even know if there was fraud involved with the card. 

The company I spoke with ( based on the number on the back of the card ) is Prepaid Digital Solutions, phone number XXXX.
Product: Checking or savings account

Our account was hacked and most of our money was stolen from Navy Federal Credit Union and someone transferred it to XXXX XXXX XXXX  We tried to consult Navy Federal but they were useless on this matter. We have som much debt to pay and now we are out of money. Our hard earned money got stolen from such a prestigious bank. What is the purpose of having such institutions where the money is not safe. When we have to do a big transaction, we usually call them. Then, some hacker comes and wipes off XXXX  of dollars without the bank knowing. The security is very poor. 

When I was being added to my wifes account a few months ago so that we could have joint access, then instead of adding me, they accidentally added someone else. Then we complained and the bank said your information is not compromised. However, now someone was added to the account and stole the money without us knowing, which is what the bank is telling us. They are not taking any responsibility
Product: Debt collection

Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached documents for evidence of violations.