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

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX  - XXXX I was never late on this account, please update this on my report XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This Information is Incorrect XXXX  - XXXX This XXXX is Incorrect XXXX  XXXX XXXX XXXX  XXXX This is not mine XXXX  - XXXX This Information is Incorrect 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 NJ XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Debt collection

I have this account that just appeared on my credit and I am not familiar with them or what this is for. I have tried to look this company up but there are a lot of listings here in XXXX XXXX for this business.
Product: Mortgage

On XXXX my annual escrow account disclosure was mailed to me assessing a escrow shortage of {$580.00}. Per my initial escrow account disclosure statement that I signed on XXXX my county taxes were not to be disbursed until XXXX of XXXX after the XXXX and XXXX escrow payments were deposited into the account. These first two payments in XXXX and XXXX would serve as the required two month escrow " cushion '' XXXX disbursed my taxes a month early in XXXX of XXXX resulting in an account balance of {$260.00} which is below the required two-month cushion. The Account Projections section of the annual escrow statement also has my taxes being disbursed a month early in XXXX resulting in a balance of {$210.00} against a requirement of {$790.00} ( {$390.00} X 2 ). 

If XXXX disbursed my taxes in accordance with the timeline in my initial escrow account disclosure ( XXXX ) I would have an account balance in XX/XX/XXXX of {$600.00} against the requirement of XXXX. My actual account shortage would then be {$180.00} instead of the current {$580.00} On XXXX I sent a written request detailing the above request and never received a response. On XXXX I called the customer service line and they simply refused to consider my request.
Product: Credit card or prepaid card

I have gone back and forth with Discover card since XX/XX/XXXX regarding a dispute for a gym manager that I can not use. They favor the merchant over the customer after plenty of supporting documentation was provided.
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXXXXXX XXXX XXXX - XXXX Credit Technology - XXXX, XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I had a scam transaction with someone on XXXX for the purchase of a golf product on XXXX. After they sent me screenshots of supposedly sending the product via XXXX, I sent {$420.00} via my XXXX account. I waited several days for the product which obviously never came. Attempts to contact the criminal and get my money back failed. I contacted my bank Wells Fargo and they ultimately said, there was nothing they could do to help credit me the money. So in the end, I got ripped off {$420.00} for using their stupid system instead of a credit card or some other method that would have my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for financing through XXXX XXXX XXXX XXXX XXXX, a used car dealership, online. I got a phone call from a XXXX 's employee asking to send XXXX XXXX XXXX an email with my written consent to run my credit score to determine eligibility. I specified that I only authorized XXXX XXXX XXXX to run my credit. My credit score was run, and I was approved for financing, although for a different car than the one I applied for. I received a notification on my cell phone via the XXXX app stating that my credit score had dropped. After checking my report, there were XXXX other hard inquiries on my credit report from various banks/financing offices that I did not authorize to run my credit score. These reports were all run on the same day, XX/XX/XXXX. My credit score dropped about 100 points because of these hard inquiries. XXXX XXXX XXXX, in XXXX, Indiana was another car dealership that I authorized to run my credit, whom I previously applied for financing with last year and nothing like this happened. I have contacted XXXX XXXX XXXX two times with no reply.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a new checking account with Citi bank who had a promotion for {$750.00} bonus if deposited {$100000.00} for 60 consecutive days. I opened account and when I got the ATM card in mail deposited $ XXXX ... unfortunately Citi put in their system it was only XXXX. After weeks of trying to figure out what happened i deposited another XXXX for a total of XXXX. I left in there for at least 6 months waiting for bonus. Citi then told me they did not get the minimum deposit withing 20 days of opening so I do not qualify. The entire error was their fault and they dont want to give me my bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX Visa. I had a high balance in XXXX, I made a payment and paid it down yet they reported the higher balance and said it would not update until the next reporting cycle. I then paid the card off in XXXX and the balance was XXXX. It was reported in XXXX as a XXXX balance, however for XXXX they reported the high balance of I had in XXXX making it appear I had run my card up again. This is not the case the balance is still at a XXXX, however because they reported the balance incorrectly my credit score dropped by 62 points!!!!! That really hurt me as I'm working to repair my credit and the card advertises that it helps people repair their credit. I am issuing a formal compliant as they are required by to report fair and accurate information.
Product: Mortgage

This is concerning the property located at XXXX XXXX XXXX, XXXX, TX XXXX. The property has been vacant for more than 18 months and is having a negative affect on the surrounding properties and the XXXX finances. We believe the mortgage company is delaying their foreclosure in an effort to take responsibility for the property including maintenance and paying HOA dues. We are also concerned that this obviously vacant house is becoming a location for elicit activities causing great concerns to neighbors.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Account Dear XXXX XXXX XXXX I am writing to formally dispute the validity of the debt that has been referred to your agency for collection. The account number in question is [ XXXX ], and I believe that this debt is inaccurate for the following reasons : I do not owe this debt, the amount is incorrect, I never signed a contract for this, etc.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of the debt, including the following information : 1. The name of the original creditor 2. A copy of the original agreement or contract that created the debt 3. An itemized statement showing the amount owed and any fees or charges applied 4. Any other documentation that substantiates the debt Until this information is provided and the debt is verified, I respectfully request that all collection efforts be halted and that this account be marked as disputed on my credit report. 

Please respond in writing within 30 days as required by law. If you do not provide the necessary documentation or fail to resolve this matter, I will consider pursuing my rights through the appropriate legal channels. 

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

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

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Product: Mortgage

I called BOA on XX/XX/2018 and wanted to make a payment and setup a RPP. the agent advised me she was not able to setup a RPP because their system was down. She took my name and nymber to setup a call back. no one called me on XX/XX/2018. i called on XX/XX/2018 for same issue., The agent said their system was down and would have to call me back. no one called me back. i called again i left a message to my SPOC to call me. He never called me back either. on XX/XX/2018 i called to speak w/Manager, which was not avaialbe. The agent took my payment and then stated she could not setup my RPP plan after she took my payment. I told her that was all the funds i had because i wanted to use them for the RPP. She said a down pmt was not required and i said that was incorrect they have always asked for a down pmt. so the call was then disconnected. So now i am due for 3 payments plus my XXXX pmt and i paid {$500.00} on XX/XX/2018 and still have no RPP on my account. I can afford a payment of {$800.00} to help me bring my acct current, I wanted to give my financials over the phone and she said i had to fax them. so much is required for a RPP when back then i could just call and get that taken care off. I need some of my late fees waived and set my acct on a RPP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

After I reached out to Capital One asking for verification of debt with my two accounts I had with them. After being unable to provide the requested documents they closed both of my accounts without my permission This is a violation of my consumer rights per USC 15 1602 p.
Product: Payday loan, title loan, or personal loan

1 ) I extended/ renewed my pawn agreement with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was made to pay US {$220.00} when my annual percentage rate ( APR ) is only {$160.00}. I do n't know that there are hidden charges of {$62.00}. I was issued a new pawn agreement extending the due date to XX/XX/XXXX but no receipt was given to indicate my payment of {$220.00}. I was overcharged by almost the same amount in my 3 previous extensions. 

2 ) In the new pawn agreement issued, the description of the pledged goods ( 3 pc wedding ring set ) was changed ; it was way different from the description in the earlier pawn agreements. This may result in the release of another item the moment I redeem the property and pay my obligation in full.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. I disputed the fraudulent information ( JPMCB CARD ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Product: Credit reporting or other personal consumer reports

XXXX began double reporting my student loan to the credit bureau ( at least TransUnion ) in XX/XX/year>. It has tanked my credit. I have proof that what they've reported is inaccurate ( previous credit reports, statements and information from the Department of Education ) that can confirm it is being double reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian web portal will not allow me to dispute information or review my credit reports. Further it will not allow me to remove a fraud alert or upload necessary documentation to remove the fraud alert.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$630.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I am an identity theft victim. Unfortunately, following the theft of my wallet and several identity documents from my home I became a victim of identity theft. Several accounts were opened in my name without my knowledge or approval. I received notice from my credit monitoring service that a credit card account that was fraudulently opened at XXXX XXXX Bank had been sold to LVNV Funding / Care of RESURGENT CAPITAL SERVICES. This original account has already been found to be fraudulent and has been removed from my credit file, however it appears that a debt buying company purchased this fraudulent account and is now attempting to collect this debt that has already been proven to not be mine. I have filed both a police report and an FTC affidavit of identity theft which has been provided to the original creditor already. I am attaching both reports to this complaint as well for the records of the debt buyer so they may return this debt to the original creditor, receive back whatever funds they bought the debt for and remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America processed XXXX identical payments against my bank account which resulted in a negative balance on my Bank of America credit card. They have not returned the extra money they took.
Product: Credit reporting or other personal consumer reports

Incorrect and inaccurate information reporting to my credit report.
Product: Payday loan, title loan, or personal loan

I have had a personal loan with citibank now for several years of XXXX. I have made my monthly payments, ontime. I have tried to pay off my loan, 3 times, the first time I called and kept getting passed around and never got a resolve. Then I sent a check, and it got returned. The latest just this past week, my bank sent them a payment and citibank again rejected it and returned it. I have asked for a lower interest rate, they declined, I have tried to pay it off and they returned. They have me locked into this loan, paying their interest rate with no payment options other than paying hundreds interest. As a consumer, I should have options. I want to get out of this loan immediately, and I never want to hear from them again. Terrible bank!!! Don't bank or take a loan from citibank, they are faulty loans.
Product: Checking or savings account

There are dozens of transactions completed on my account performed in XXXX varying in amounts from XXXX cents to {$9.00}. I contacted Wells Fargo as soon as I noticed the fraudulent transactions I contacted Wells Fargo via email, and asked my sister to contact them via phone, giving her the necessary account information. However, neither solution worked to incite action on behalf of Wells Fargo to address the fraudulent transactions. The responded to my message in the secure message center of their website stating, " For your protection, the transaction was declined by our Fraud Detection department. They need to speak with you to verify transactions. To reach us toll-free from outside the United States, please visit wellsfargo.com/help/international-access-codes for the International Access Code list and calling instructions. '' As I explained to them in my first message I am in a remote village in XXXX with little access to calling, especially for international numbers. Despite this difficulty, I still spent great effort to find a phone and risked great financial expense to call the number on their website designated for XXXX. All three of the numbers are not available. 
This is gross negligence on the part of Wells Fargo in securing my finances, which I have had an account with them since XXXX. I was shocked when I checked my account to see these transactions dating back to XX/XX/XXXX with no notification on their part to dozens of suspicious transactions occurring in XXXX, when I have set no travel advisory for XXXX. As a large financial institution with several layers of software security I am flummoxed as to how my account information got into the hands of someone in XXXX, as I am quite vigilant in not clicking suspicious links and keeping my passwords and card numbers secure. I am also extremely disappointed that after reporting fraud, they took no action and fraudulent transactions are continuing to occur on my account and as I have no way to phone them from XXXX, it is impossible for me to stop these transactions from occurring. Not only that, but I have noticed that though Wells Fargo representatives have stated they can take no actions until their fraud department speaks with me over the phone, several of the fraudulent transaction have disappeared from the account summary, demonstrating that something very suspicious is going on. I don't want to imply that the fraudulent activity is perhaps aided by Wells Fargo employees, but I'm glad I took pictures of the accounts last night, for evidence that some of the transactions have just disappeared even as WF has said they can take no action.
Product: Mortgage

We are closing on our home on Friday morning and just need the payoff information on my HELOC with Bank of America. I have called twice, buyer 's attorney has called and they are telling me it could be 7 days which is after closing, I would just like to request a 15 day payoff be faxed to the attorney 's attention at XXXX. 

This is crazy as I am trying to make full payment and their lack of response is not only causing me issues in potentially not closing on time but, also affecting our buyers having a home to live in come Friday. 


We just need the payoff information as soon as today if possible. Thank you!