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

I have submitted NUMEROUS REQUESTS with Experian to remove inaccurate personal information : The Most recent letter disputing personal information was sent XX/XX/XXXX. Before that : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian refuses to remove information that is inaccurate and does not belong to me. Either they do not respond to my request at all, send a stall letter, or disregard my request.
Product: Debt collection

I am the victim of identity theft. Someone opened up a fraudulent XXXX XXXX account in my name and now that account is in collections on my Experian and my XXXX XXXX credit report XXXX has already deleted the fraudulent account, but Experian and XXXX XXXX has not. I have filed a police report with a Federal Trade Commission identity, theft affidavit. I have also filed and received a valid police report. Experian and XXXX XXXX need to follow the law and delete the fraudulent account. I even reached out to XXXX wireless corporate office for help. No one is helping..
Product: Mortgage

I refinanced my home in XX/XX/XXXXXXXX   and everything was perfect. XX/XX/XXXX, I received a letter stating that my Escrow account was low and that my mortgage would go up about {$400.00} per month for the next year to put money back into my Escrow account. I was not able to pay that so I called several times trying to find out what happened to the money. Finally, in XXXX, someone from Escrow told me that they had sent my insurance company over {$3700.00} in XX/XX/XXXXXXXX  and {$1900.00} in XX/XX/XXXX. I asked why but they could not tell me. I called the insurance company and they said that they had sent the {$3700.00} back to them in XXXX. The mortgage company said that they did not receive it. I went back to the insurance company and they said that they would have to check to see if it had been cashed and that would take some time. If it had not, then they would send it to me and I could get it to the mortgage company. During all of this time, I can not pay my mortgage because they do not accept partial payments and I do not have an extra {$400.00} dollars to put with the payment. I had never been late nor missed a payment until now. They told me that I could put in for a hardship and they would do something to help me with the payments. I put it in and gave them all of the forms they requested and they used the date of XX/XX/XXXX as the completion date. They called me twice a week giving me updates. I received a package from them about XX/XX/XXXX and I called them to see what did it mean. I was told that my hardship was denied and there was nothing that they could do. I needed to pay all the money owed asap. I was also informed that my mortgage payment was now only {$27.00} more and that was put in effect in XXXX, after they received the money from the insurance company! No one told me any of this before! I could have been paying my mortgage.I was the one who went back an forth between them and the insurance to rectify the situation, no one else at the company cared to do their job and investigate. I used to pay online and each month, I would go online to pay but I was not permitted. None of this would have happened if someone had done their job. I had to go back and forth with them and the insurance company to find out the problem. They did nothing but add more money to my payment and mess my credit report up. I could not even borrow money to pay them nor get a new HVAC unit because of the lates on my credit report. My a/c needs to be replaced but all I can do is pay several hundreds of dollars twice a month for freon because no one will give me a loan now that I have all of these late payments from my mortgage company. Can someone please help me. The mortgage company is Mortgage Solutions. I know that I owe for all of these months but I need time to pay it back and I don't think that these lates on my credit report is my fault. Please help me. Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

We vacated our apartment # XXXX at the XXXX XXXX XXXXXXXX XXXX, XXXX, GA on XX/XX/2018 in compliance with the terms of the lease. The management sent me an email on XX/XX/XXXX claiming unsubstantiated damages of {$650.00}. I tried to work with them and asked for evidence such as photographs but they said they did not have any. As per Georgia law O.C.G.A. 44-7-33 they should have provided me with the damages list within 3 days of the move out date and allowed me to inspect the damages within 5 days. They did neither. So I disputed the charges. Since they had already violated one law, as per the second Georgia law O.C.G.A. 44-7-35 they're  forbidden to take any action against me. They still went ahead and turned it over to a collection agency National Credit Systems. When the collection agency called me twice, I notified them both the times that these were unsubstantiated charges and had been disputed.But they went ahead and reported it to the credit bureaus. I've had " Exceptional ( i.e. XXXX credit score ) for decades which has now been reduced to " Good '' ( i.e.700+ credit score ) and will remain on my credit for 7 years. This impacts my creditworthiness significantly. They have violated the laws and yet they're continuing to take illegal action against me. 
I request that this false collection charge be removed from my credit and that action be taken against the apartment management for violating the laws and damaging my credit. 
I look forward to your support in obtaining justice. 
Thanks.
Product: Mortgage

I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against Wise ( formerly TransferWise ), a financial service provider, for unjustly closing multiple accounts under my control without providing any reason or prior warning. The affected accounts include XXXX and XXXX. 

These closures have severely impacted my ability to manage the finances of my various businesses, particularly Personal Accounts on XXXX account and my Company Accounts on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, which is integral to my livelihood and the well-being of my family, including XXXX children. 

Wise 's actions have left me unable to receive payments from my customers or pay my suppliers, causing significant financial distress. Despite my attempts to resolve the issue directly with Wise, I have not received any satisfactory explanation or assistance. 

I request that Wise immediately reopen my accounts or, at the very least, provide a detailed explanation for their actions. I also seek compensation for any financial losses incurred as a result of these closures. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card

i signed up for a paypal credit card so I can make a large purchase on XXXX and get 0 % interest for XXXX year, I never made the large XXXX purchase but continued to make small purchases. paypal took it upon themselves to use there credit card to charge all my XXXX purchases, I never wanted to use this card until I made a large purchase, paypal already had all my bank debit card on file and should of used it to make payments not there credit card, I have used this debit card with paypal for XXXX for the past XXXX years. i feel that in the near future paypal will start to charge interest for every purchase from day XXXX at a very large interest rate. I have also emailed paypal several times and never got a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a paymrnt on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I would like for XXXX XXXX XXXX Service to show proof of verification that I owe them {$320.00}, {$470.00}, {$620.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed ABOVE. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Payday loan, title loan, personal loan, or advance loan

I have contacted the company several times to receive my 1099C form and get no response. I got into a Finanancial hardship an was unable to pay the personal loan. In XX/XX/year> I noticed that is was reported to my credit report as charged off. I reach out to the company in XX/XX/year> XX/XX/year>, and XX/XX/year> to get a XXXX they have failed to send it to me as i have requested to file on my taxes as income as the filed a profit loss.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX unfairly and intentionally closed my credit cards to damage my credit. XXXX XXXX stopped responding to my CFPB reports marking them as duplicates. XXXX XXXX did not stop there. These sick people from XXXX XXXX headquarters keep reporting FALSE balances on my closed credit cards to damage my credit further. The XXXX  statement balance was XXXX, due date XX/XX/XXXX. I made the full payment well ahead of time and the payment was posted on XX/XX/XXXX. The credit bureaus are taking the XXXX XXXX side and is refraining from fixing the false balances, even when I have tangible proof. I don't owe any balance on any XXXX XXXX credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not verify the accounts using the lawful way stated in 15 U.S Code 1681a ( e )
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was charged off, as it state on my TransUnion credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my XXXX form as well as it removed from my credit report. I can sue XXXX  XXXX for fraud.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602 states i have a right to privacy. Fifteen USA sixteen eight-one section six oh four A section two states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six B. A creditor may not treat a payment on a credit card account under open end consumer credit paln as late for any purpose.
Product: Credit card

On XX/XX/XXXX I purchased XXXX roundtrip airline tickets from XXXX to XXXX leaving on XX/XX/XXXX & returning on XX/XX/XXXX. The purchase price was XXXX {$1700.00} ( XXXX dollars and XXXX cents ). The amount taken XXXX ( service provider/airline ) from my credit card was XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) on XX/XX/XXXX please see Schedules A, XXXX and B, attached. 
Since I initiated this transaction through XXXX, I called them to inquire about the over charge on my credit card in the amount of {$94.00}. Their records showed only a payment in the amount of {$1700.00} so they tried to contact XXXX @ XXXX to clarify this, with no luck. Since XXXX representative was unable to get a hold of the airline he asked me to contact my credit card company to initiate a dispute for said overcharge in the amount of {$94.00}. 
On XX/XX/XXXX, I opened a dispute online with Citi and mailed backup to support this claim. Case No. XXXX. 
On XX/XX/XXXX, I visited XXXX website in order to select seats for our trip and found out my reservation was cancelled by the airline ( please see reservation status on Schedule C attached, it reads " XXXX '' in XXXX, which means Cancelled ). I tried to contact XXXX customer service department @ XXXX with no luck. I called XXXX to verify this new information and they confirmed vendor cancelled my reservation. They asked me to contact XXXX immediately to request a refund. 
On XX/XX/XXXX we drove to closest XXXX offices located at XXXX airport to discuss the cancellation. The representative confirmed the reservation was cancelled and provided screen shot of the airline 's system, see Schedule D. 
Since vendor cancelled my reservation I needed to make sure a refund was processed so I initiated a dispute with Citi Cards Billing dispute department for the full charge on my credit card in the amount of XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) processed on XX/XX/XXXX, see Schedule E. 
Citi Cards billing dispute department sent me a letter resolving that the vendor did n't agree to refund my money because they said I requested a cancellation, which I never did ( see Schedule F ). 
Due to the cancellation of my reservation without my request, I had to buy a separate set of tickets on a later date at a higher price. Since my credit card company has n't credited the purchase amount to my account and it is not protecting my interests by allowing XXXX to keep the money for a service that I will not receive because they denied to provide, I 'm asking for your help to resolve this issue.
Product: Checking or savings account

The funds in all my accounts of Chase Bank was transferred to my checking account, then it was withdrawn by somebody unauthorized without my permission. The branch of Chase did not check the signature that was not mine.
Product: Debt collection

I asked the company to send me legal papers of the debt collection I have not received. I do not owe them the amount they posted on my credit report. And its affecting and impacting my life in many ways to have this debt on my credit report
Product: Credit card

Citi violated XXXX violation regarding sections XXXX and XXXX of the XXXX XXXX. 

I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. 

On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. 

Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional 48 hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.
Product: Debt collection

My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While XXXX  and Equifax have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a single mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. 
These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. 

The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! 

XXXX XXXX in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$350.00}
Product: Credit reporting or other personal consumer reports

A charge-off or canceled debt, The IRS views it as a certificate of indebtedness, essentially categorizing it as income ( IRS PUBLICATION 4681 ). Income has never been allowed on any consumer report, and it violates the Fair Credit Reporting Act. Clearly, this is a violation. I insist on the immediate removal of these accounts! XXXX XXXXXXXX XXXX XXXX These promotional Inquiries 15 USC 1681 Permissible Purposes, { {$1000.00} } fine each occurrence. I do not consent and demand you to stop and remove these third parties ... that I did not authorized. 1. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IF YOU DECIDE NOT TO PERFORM, I WILL BE FORCE TO TAKE LEGAL ACTION!