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

Request for Removal of Inaccurate Address Information Dear Experian, I am writing to formally request the removal of inaccurate address information from my credit report. Upon reviewing my credit report, I have identified addresses that I am not associated with, which I believe is adversely affecting my credit history and score. 

The following addresses listed on my credit report are inaccurate and should be removed : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and 2 ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have never resided at, nor have I conducted any financial or legal transactions associated with the above-mentioned address ( es ). Their presence on my credit report is erroneous and may be contributing to incorrect assumptions about my credit history. 

For your reference, I have enclosed the following documents to verify my current address and to support the removal of the inaccurate address information : A copy of my government-issued ID drivers license showing my current address. 

And My vehicle registration confirming my current address. 

I kindly request that these unassociated addresses be investigated and removed from my credit report as soon as possible. The rectification of my personal information on my credit report is crucial for maintaining the accuracy and integrity of my credit history. 

Please inform me in writing once these changes have been made, and provide me with an updated copy of my credit report. I appreciate your prompt attention to this matter and look forward to seeing the necessary corrections made. 

Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

In applying for a refi on my current home a lien comes up on my record. The mortgage holder is no longer in business and I'm getting the runaround from contacts listed as who to contact (XX/XX/XXXX ). I need this lien removed so I can proceed with my refi, I just need to know who has it and how I can address it. Below is a copy of a cover letter which was sent to PNC XXXX XX/XX/XXXX. Responses came back to me saying no lien info was available. 

Here is the letter sent-minus the referenced exhibit attachments : To whom it may concern, On XX/XX/XXXX, we purchased our current home at XXXX XXXX XXXX, XXXX, Michigan, XXXX. We borrowed {$300000.00} on the first mortgage and {$75000.00} on the second mortgage, financing was through XXXX XXXX, a Division of XX/XX/XXXX XXXX XX/XX/XXXX ( Exhibit A-copies of both mortgages attached. ) In XX/XX/XXXX, both mortgages were transferred to XXXX XXXX XXXX XXXX ( Exhibit B-copies of both assignments attached. ) On or about XX/XX/XXXX, the first mortgage was assigned from XXXX XXXX XXXX XXXX to PNC Bank, a XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Exhibit C-copy of assignment attached. ) We have only been making one mortgage payment to XXXX XXXX XXXX. Our current mortgage statement balance leads us to believe that at some point the second mortgage was combined with the first mortgage ; however, both liens are still appearing on our title. See attached Exhibit D- copy of current mortgage statement AND attached Exhibit E- page from our title work reflecting two liens. 

We are trying to refinance our home and need documentation to support the second lien is not in place. We are requesting any and all documentation regarding the transferring of our loans from XXXX and XXXX. In addition, requesting any documents or activity between XXXX and XXXX that would have resulted in the second lien being dissolved or combined into the first.
Product: Credit card or prepaid card

Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL XXXX .
Product: Debt collection

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 U.S.C 1681. 

Aldous account number XXXX under XXXX I don't know who this company is what debt that they say I owe. Aldous never received written notification from me the consumer giving them permission to report on my credit. Without verification of this debt violates my rights as a consumer. 
15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 I went into XXXX XXXX XXXX with a pre-approval bank draft from XXXX XXXX XXXX XXXX to purchase a XXXX  XXXX XXXX. Even though I had secured financing on my own, I was required by Sales Manager XXXX XXXX to fill out a credit application. With a confused look, " I asked why am I filling this out when I already have financing set up? '' He replied with, ''this form is just for verifying your identity to make sure you're not a XXXX, I'm not pulling your credit or anything like that. '' So reluctantly I filled it out thinking that he was being honest about what he had just told me. Later on that day, I received an email alerting me that my credit had been pulled by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, which infuriated me. I contacted XXXX XXXX XXXX about this and the most that they could offer was an apology and second free of gas. I only completed the credit application because XXXX had informed me that my credit would not be reviewed and for that display of unethicality and unprofessionalism, I have submitted a dispute with XXXX. XXXX and XXXX will not allow me to submit a dispute without a Letter of Deletion from XXXX XXXX XXXX. So I reached out to XXXX XXXX XXXX yet again and got in contact with the Finance Manager XXXX XXXX, who's claiming that he is not aware of a letter like this so therefore I'm submitting this claim with hope that you all can help me. Additionally, if it helps at all, I do have an audio recording as proof that the inquiry was never authorized.
Product: Credit reporting or other personal consumer reports

XXXX is XXXX a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX section XXXX o XXXX states. I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Debt collection

beside them getting a judgment by default by not serving me the summons fraudulently filing proof of service to the court.i have been trying to get them to supply my with the date of my last transaction with Citibank na and my signed contract so I can take appropriate legal action.
Product: Bank account or service

I applied for Navy Federal Credit Union membership over the phone. As part of my application, I was read a credit report disclaimer. When I asked if this would be a hard pull or inquiry on my credit, I was told by the phone representative it would be a soft inquiry. Navy Federal performed a hard inquiry. When I received notice of the inquiry, I called Navy Federal and was told that as part of my application, I was read a disclaimer. I asked the representative to listen to the recording of my call. Upon review of the recording by back office personnel, it was determined that while I was read the disclaimer when I applied, I was also told that the inquiry would be a soft pull. Navy Federal has communicated that they will be suppressing the inquiry from my credit report and at my request, Navy Federal indicated that they will be communicating this to me in writing and that updating this with the credit bureaus can take 30 days.
Product: Checking or savings account

I received my debit card from my new CitiBank account around the first of XXXX. On XX/XX/2023, I made my first deposit, {$1000.00} in cash at my local CitiBank branch. To my surprise, my debit card was declined when I tried to use it shortly afterward at a grocery store. I immediately returned to the bank to figure out what went wrong and was informed that my account was frozen due to a fraud alert because my account was just newly opened. 

Despite providing my passport, drivers license, and the very debit card I had just used for the deposit, the banks response was that I needed to wait for a letter from their Fraud Department to clear things up. This means waiting around for 10 business days without access to my funds, which is quite inconvenient, to say the least. The bank is holding my money hostage.

Im perplexed because the deposit was in cash, and I would think the availability of those funds would be immediate. It seems unusual to lock down an account like this without a direct and timely way to resolve the issue. 

In other words, I deposited cash to the bank, and they wouldn't give it back. Isn't that against FDIC or some kind of banking statute?
Product: Debt collection

We received two debt collection letters from I.Q. Data International, Inc.in XX/XX/2023 to collect the bill which we have paid in XX/XX/. We have contacted I.Q. Data International , Inc. four times by both phone and mail in XXXX and XX/XX/XXXX  to provide the evidence to dispute the debt, but did not receive any response from them. They kept ignoring what we provided and put a collection on our credit report.
Product: Student loan

I would love to know how to go about investigating my loans in connection with the current lawsuit Consumer Finance has against Navient. My state has filed nothing and I am certain I could be included in this, federally and/or locally ( KY ). 

Recently, first, I tried to setup my payments for auto pay so I could get the reduction in my interest rate. It took MONTHS. They kept taking the payment then kicking it back. If I were not working for my family business, I would not have had time to do all the work I did to finally get it working. 

Second, I have been submitting payments via my bank ( online ), over and above the monthly payment that is being automatically deducted from my account. My account is setup to direct all overpayments to principle. They have applied them to interest. I can supply you with screen shots showing such. Their answer? I can hardly understand it but I am assuming it is being applied this way because it arrives before my payment is due and they're applying it to my payment, anyway??? This is RIDICULOUS. The last correspondence I received from them says it is being applied correctly. That is all! " Sorry about your bad luck. '' Can you advise me as to how I should proceed? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA, XXXX credit bureau must furnish true and accurate information reported on the consumer. XXXX is required to obtain the original contract with the consumer 's wet signature to furnish a report on the consumer. XXXX XXXX XXXX has been reporting delinquent account information on to my credit report to harm my reputation and credit worthiness. I have never had any relationship with XXXX XXXX XXXX. I have disputed this account with XXXX more than once and XXXX has refused to validate the debt. Subsequently, the incorrect account has remained on my credit report. 

XXXX XXXX XXXX has sent written documentation confirming that an unlawful purchase in violation of the Privacy Act of 1974 took place of my personal identifiable information. XXXX XXXX XXXX is a third party, not a party affiliated with any agreement with XXXX XXXX, who is engaging in unlawful debt collection practices to harass consumers in to making payments towards fraudulent contracts. 

XXXX XXXX XXXX has provided documentation stating that the collection attempts are for a contract XXXX XXXX XXXX is not a party to. Failure to provide a written contract between XXXX XXXX XXXX and XXXX XXXX make the fraudulent relationship void ab initio. 

XXXX XXXX XXXX has kept record of my personal identifiable information without my consent. 

XXXX XXXX XXXX has made an unlawful purchase of my personal identifiable information with XXXXXXXX XXXX to engage in unfair and abusive debt collection practices. 

XXXX XXXX XXXX has furnished false reports to at least 3 credit bureaus, including XXXX, XXXX, and Equifax, to harm the reputation of consumer XXXX XXXX without lawful proof of any debt obligation. 

All bureaus have willfully neglected their federal obligation to validate each debt before furnishing a report on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # XXXX, has violated my rights. 

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
Product: Mortgage

Hello, I am writing to better understand the legitimacy and legality of PMI and the removal process. 

Due the nature of the real estate market in XXXX ( and since XXXX ) home values have soared. And they do not appear to going down any time soon. 

With that, I am wondering why I am not able to take advantage of the current market conditions to remove my PMI. 

If you were to calculate my XXXX today, it would be in the XXXX ( % ). 

My mortgage is XXXX years old. 

My lender, however, will only let me remove it if I pay {$18000.00} toward the principle ( which is impossible given my current financial situation - i.e. just a normal working-class person, first-time homeowner, student-debt having, single-income household, paying $ XXXX for gas for my commute ), or show them proof of having made major improvements to my home ( adding square footage, a complete kitchen or bathroom remodel, etc. ). 

Neither of these is realistic and they know that. I live in a condo and make {$52000.00} a year. 

I have paid my mortgage on time since it's inception and I'm not even really mad about having to pay the PMI. 

It just seems that if the value of my home has increased, whether by my own action ( XXXX ), or by the natural forces of the market, if the loan to value crosses the threshold, PMI should be removed. The lender 's investment is safe -- for them to act otherwise is for them to act naive and ignorant ( and we know they are certainly not either of those things ). 

My $ 120 monthly PMI payment actually represents a fair amount of money for me per month. For a mortgage lender, I can only imagine that this sort of nominal fee is nothing more than pure profit -- it's really not all that different than how overdraft fees used to be. Surely, they serve a purpose and the concept isn't inherently evil or dishonest, but in this instance ( and I know there are many, many other people in my exact same position ), this is a fee that has far surpassed it's usefulness and necessity. It is now simply abusive and unfair to the consumer. 

I look forward to hearing back from you. 

Have a nice weekend. 

Thank you!
Product: Bank account or service

XXXX charges were made on my account today that I did not make. My bank did nothing to fix the issue other than tell me to wait for the charges to go through. I have not had my money refunded and had to call the local branch to get my card canceled. They told me to call the companies myself to dispute the charges, when it should be their job.
Product: Debt collection

On XX/XX/XXXX I received notification from my job about a garnishment from XXXX XXXX XXXX XXXX XXXX. Per the notice they were garnishing me for {$14000.00} at a rate of 25 % of disposable income. I called and talked to XXXX at Nathan and Nathan, PC - the lawyers representing the trust. His number is XXXX ext. XXXX. XXXX told me that this was a lone from XXXX XXXX back in XX/XX/XXXX and it was a private student loan to attend XXXX XXXX College for XXXX. I advised him that I have no knowledge of this loan and that I needed him to send me documentation showing that they not only own the loan but that I signed a promissory note with them - he stated that he would. Prior to this I have never heard of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or Nathan and Nathan, PC. This has never reported to my credit report nor have I ever received any notification to verify this debt. According to the paperwork, the judgement was issued XX/XX/XXXX - I also have no knowledge of any court proceedings for this matter. I have done plenty of research on this company and I see they are being sued left and right for using false affidavits and misleading information to collect on debts. I will fight this all the way if I have too - there is no way that I am going to pay on a debt that is 14 years old to a company that I have no knowledge of. Please take this consent serious and help me and I am sure plenty other consumers from these deceptive practices.
Product: Checking or savings account

On XX/XX/XXXX I was informed that Bank of America would be returning my funds to the Internal Revenue Service, the funds have not been returned theyve been holding the funds for over 30 months now.
Product: Credit reporting or other personal consumer reports

I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing : I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account XXXX : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation. 
Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately unless you want to pay {$1000.00} per violation.
Product: Credit card

I implore you to examine the attached documents. I urge the bureau to commence an inquiry into these accounts incorrectly labeling me as late despite my consistent on-time payments.
Product: Credit card

I booked a hotel and car rental from XXXX from a trip to XXXX XXXX. I fell ill the day before so I called the hotel to cancel. The hotel said to call XXXX, when called XXXX, XXXX said they would need to call the Hotel Manager to get the charges reversed to verify I did not show. 

Its been 3.5 weeks and every time I email XXXX for an update they are still stating after 3.5 weeks they have yet to hear from the hotel manager and this nothing but a tactic used to not have to pay back the consumer. 

I let my credit card company know and they said I need to go through XXXX, so my credit card company is not advocating for me when they are supposed to & It states clearly on the hotel website when you confirm on XXXX that as long as you do a no call no show you would be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  credit report on XX/XX/20 after the sale of my home on XX/XX/20 to ensure my mortgage company XXXX XXXX XXXX ( XXXX ) reported the loan payoff and final payment activity correctly. My credit report showed that XXXX added a delinquent status in XX/XX/2020 indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that XXXX  received full payment. 

On XX/XX/2020 I sent XXXX  a formal letter requesting they correct their errors on my credit report along with myXX/XX/2020 credit report, closing disclosure from XXXX XXXX XXXX  and a copy of my XXXX  billing statement. 

On XX/XX/XXXX I received a response from XXXX  stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX  points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX