23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX  XXXX, XXXX XXXX XXXX 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 OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I have XXXX  XXXX card services and chase thats theres XXXX XXXX of dollars of transactions I would never be able to put in this space all the charges that took place that I didnt have the cards in my possession to make in the first place
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I reviewed my credit report and noticed that the above account SYNCB/JC PENNEY was on my credit report. I called SYNCB/JC PENNEY this morning and talked to XXXX in the Fraud Department XXXX I explained to her that I did not open any account with them, and I don't know who they are. XXXX of the things she said that I would have to reach out to the credit bureaus and then get to/them. I called XXXX and had to go through their answer questions pertaining to my credit report in order to speak to someone and that didn't work out. To look at your credit report and see that someone open a credit card account in the amount of {$10000.00} in your name, and SYNCB/JC PENNEY reports it and XXXX signs off on it by reporting as well, who can you trust? 

It's very frustrating when you explain to company/companies pertaining to a matter like this that you did not open this account with them, and they give the third degree and run around. Some of these companies and the credit bureaus are quick to report late and missed payments, but when you try to clear your name, it takes weeks, months and possibly years to clear name and to recover from it as well. For resolution, I want this account deleted from my XXXX credit report. And I'm seeking {$1000.00} per violation of the Fair Credit Reporting Act ( FCRA ) from both SYNCB/ JC PENNEY DC for reporting fraudulent and false information onto my XXXX credit report. And XXXX for not conducting a proper and thoro investigation of a consumer 's personal information before reporting it onto their credit report.
Product: Credit card or prepaid card

I have a Citi Bank card. My account was used by someone in the XXXX. They purchased {$2800.00} from XXXX XXXX in XXXX Citi closed that account and opened a new account and gave me a new card. I was happy with the response. Apparently, Citi got the money back from XXXX XXXX but Citi turn around and charged me again for the {$2800.00}. I have called Citi Bank since XXXX of 2021, when the initial fraud was detected, and still to this day, Citi has not cleared this fraud amount. I have called them every month at least 2-3 times a month and of course their calls are all outsourced to another country. Citi Bank is not helping me at all!! They are charging me for something that I did not buy!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Overcharges on account from non-authorized transactions and never refunded
Product: Debt collection

XXXX $ debt came to my house and this is not correct. Ive canceled it and it shows I owed XXXX $ in XX/XX/XXXX. And now magically I owe about XXXX $ this isnt correct and I want this to be dropped
Product: Mortgage

My loan was sold to selene financial. I sold the house. I had to pay my property taxes again at closing even though I had already paid it in escrow. I called selene finance and changed my address with them so they could send the refund to the proper place. They would not discuss the repayment amount when I called. They just demanded that I wait the proper time for them to issue a check with my refund. They finally sent the check to the address of the house I sold. I no longer live there or have access to the mailbox. I called to have the check reissued. It is approaching 2 months since the house was sold. I had XXXX double pay the taxes and are still waiting on them to refund me. 


I can't get through their automated system sometimes as I no longer have an active loan with them. So it does not recognize me. Also each time I call I get a difference response of what is going on. 

The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. The house has been paid off in full. But I have not been refunded the money I overpaid.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

what a mess dealing with santander last XXXX they agreed to payment then mysteriously lost the information along with my call then 45 mins later they reopessed the vehicle then after that i got bounced around for weeks trying to find out where the vehicle was finally after weeks i paid it off now on my credit instead of reporting paid in full they report 120 days late everytime i talk to them they tell me that file a complaint if you dont like it not to mention they have never repsonded to the damage claim i filed from when they illegally took the vehicle
Product: Mortgage

sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.
Product: Mortgage

I had a mortgage with XXXX XXXX company, XXXX XXXX XXXX, XXXX XXXX, AR ( XXXX ). I got behind and they told me if I paid XXXX I would be caught up. I paid the XXXX and the next month they sold my loan to freedom mortgage. Freedom mortgage ( XXXX ), said that I was behind and owed XXXX. Since I just paid the XXXX thinking i was caught up there is know way I can pay the XXXX. So Ive been paying what they, freedom mortgages says is the minimum payment of XXXX. I've paid that for the last two months ( XXXX and XXXX ). I got a statement that said I had til XX/XX/XXXX to pay XXXX. Today I get a statement that says I owe XXXX dollars. There is absolutely no way I can pay XXXX less known XXXX. They bombard me with mail, before I can reply to one letter I receive another letter/statement. Further more I do not know where they are getting all these amounts, and know one can seem to explain it to me. Everyone has an attitude. They also said even though there is a pandemic and we are in economic crisis 's there is nothing they can do for me because I was already behind on the payments. If I was already behind how do you expect me to catch up? Nobody cares ... ... Any information you can provide will be helpful. Im trying to work with them to save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details 11 % paid off Balance {$860.00} Balance updated XXXX XXXX, XXXX Original balance {$980.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance $ XXXX  Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX H, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX XXXX CO, XXXX
Product: Debt collection

I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, World Finance Corp, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

This {$100000.00} student loan account has already been disputed with XXXX and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by XXXX and XXXX as if owe it again. And re-appeared after it had been disputed and investigated and documented by XXXX as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen XXXX Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per XXXXXXXX XXXX XXXX XXXX, Letter : Despite XXXXXXXX XXXX XXXX XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXXXXXX
Product: Vehicle loan or lease

I am writing to express my deep concern about the current situation regarding my purchase of a XXXX XXXX account # XXXX from XXXX. I have been receiving statements for missed payments, despite not having received the car or the title. 

I purchased a car from your dealership, and at the time of purchase, I was informed that the car would be delivered to me within a few days. However, it has been several months, and I have yet to receive the car or any information about the status of the delivery. 

Additionally, I have not received the title for the car, which is necessary for me to register it and legally drive it. Without the title, I can not legally take possession of the car, and I am concerned that I will be held responsible for any damage or accidents that occur involving the car, despite not actually having possession of it. 

I have tried to reach out to your dealership multiple times to resolve this issue, but I have not received any response or assistance. As a result, I have been left in a difficult position, with statements for missed payments but no car or title. 

I hope that you will take this matter seriously and work to resolve it as soon as possible. I expect to receive the car and the title promptly or a full refund of my money paid for the car. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One since XXXX which I opened with my ITIN number and I'm behind payments for some time now. My sister lives in the XXXX since XXXX and in XXXX she got her Social Security number. The issue is that somehow Capital One interlaced her social with my account affecting her credit score and putting me in an uncomfortable situation since they disclosed my financial record.
Product: Bank account or service

In XXXX 2015 signed up for a Citigold checking account after receiving an offer for XXXX AAdvantage miles if I completed 1 online bill payment in 2 consecutive months and made {$1000.00} in debit card purchases. On XXXX XXXX I sent Citi a secure message using online banking to confirm that I was enrolled. They never responded. I satisfied these requirements in XX/XX/XXXX and was told that it would take up to 90 days for the bonus miles to hit my account. XX/XX/XXXX ( after 90 days ) I still had not received the miles. I have called repeatedly ( probably 4 times ) since then to ask why I have not received my bonus. Each time the agent confirmed that I had satisfied the requirements and told me I would receive the miles soon ( within 2 or 3 business days ). On XXXX XXXX, Citi sent me a letter saying " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I called on XXXX XXXX and told them that if there was no promotion they should have told me that XX/XX/XXXX before I started paying $ 30 monthly fees for the account. ( I have paid {$120.00}, since the first couple months fees are waived. ) The phone agent apologized and assured me that I was eligible for the promotion and that the bonus would be expedited. Today is XXXX XXXX and the miles still have not hit my AA account. On XXXX XXXX they sent me a secure message saying that they still need to investigate : " After further review of your account, I can confirm there is a second request opened on your behalf for the promotion offer. Please be advised that the back office support is currently backed up with the investigations due to the high volume of cases open at this moment. As soon as your case is worked on and resolved, you will be notified via secure email and Citibank Online Message with the outcome of the investigation. '' This is ridiculous given that at least XXXX phone agents have confirmed for me that I have done everything I need to do to receive the bonus.