23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

At the end of XX/XX/2018, somebody counterfeited 3 Citibank checks and placed different names above my name. I was clearly out of the country at the time and this was evidenced by the fact that during the same peiod I was doing regular ATM withdrawals from XXXX. The checks were used to make several purchases at various XXXX outlets, with various XXXX membership numbers, in XXXX XXXX. The criminals also signed the fake names that they placed on the checks. At first, XXXX XXXX, in the Citibank corporate office of the bank, said there should not be a problem getting my refund if I go to a branch and sign the proper affidavits which I did. She even acknowledged that all the facts pointed to a situation where it was clearly no fault of my own and she knew the time frame fully well at the time. Then after several weeks another rep, XXXX who was also in the corporate office, said they refuse to refund me because I waited longer than 90 days to report the incident. The bank acted wrongfully because A ) They honored checks with names which they never issued checks to on the account. B ) They honored checks with signers on the account, other than myself, while I was the only signer on the account authorized to use the checks. C ) they charged me banking fees because my balances sometimes went under their threshold while this should have never happened and only happened because of the banks irresponsibility in handling my funds. D ) They had my wrong social security number on my account by one digit and refused to correct this until I came back to the country, thus making it almost impossible for me to regularly check my balances while out of the country. 

Something is seriously wrong here if a bank can take my money and hand it out to total strangers despite that checks were written in names never authorized to begin with. If I can not feel secure with the bank holding my money responsibly then the entire banking system is a farce. This is especially true when they refuse to take responsiblity for their own irresponsible actions
Product: Mortgage

I refinanced my mortgage with XXXX in XXXX. Shortly after the loan closed they transferred the ownership of the loan to XXXX XXXX who then took over managing the loan. In XXXX of XXXX we paid the loan off. After waiting several months for the lien release I began contacting XXXX XXXX as we hadn't received anything. XXXX XXXX finally responded after a complaint was filed on this site and come to find out, they are unable to release the lien as it was never transferred to XXXX XXXX so XXXX still shows as the lien holder on the deed. The county clerks office advised that the letter showing the mortgage was transferred to XXXX XXXX would not satisfy the requirements and documents would need to be provided by XXXX showing that the lien can be released. Obviously both XXXX an XXXX XXXX are done with you once your mortgage has been paid off and getting in touch with anyone from either company has been a major hassle. I finally was able to get in touch with a lady named XXXX from XXXX ( ph number called from was XXXX ) back in XXXX and was told they were researching it. It is now XXXX and has been over a year since the mortgage was paid in full and we still have a lien. This process has caused great stress, lots of time on the phone, and still have no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit report contains an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021. I have been a victim of Identity theft, this has been reported to equifax and this needs to be taken off my credit report. I have called Equifax to dispute this and i am also reaching out to the consumer financial bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX  Past Due {$950.00} Pay Status >Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSET AND KNOWLEDGE. THEY USE MY ID TO OPEN PHONE BILLS IN MY NAME. THE PERSON ALSO RECIEVED MEDICAL ATTENTION UNDER MY NAME WITHOUT MY KNOWLEDGE. I AM WRITING TO REQUEST AND INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA & # XXXX XXXX. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX 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 TO REFUSED TO BLOCK USAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITITATE 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 POSTAL INSPECTION SERVICE FOR OTHER POSSIBLE VILOATIONS OF THE LAW.
Product: Checking or savings account

Approximately {$1800.00} has fraudulent been taking out of my account XXXX XXXX XXXX XXXX XXXX. Customer service was no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company SPRINGLF FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit card or prepaid card

Following my last complaint to the CFPB, Citi has retaliated by restricting my account, even though my account is current and I have not breached the contract we have in any way. 

Furthermore, the situation began when they revoked my access to my online account without cause of any kind, then proceeded to refuse to acknowledge the problem, let alone make any attempt to right the problem. This is the second time this year they have done this. 

Since I was enrolled in paperless statements, and Citi does not think they are doing anything wrong because they have no integrity or work ethic, I have not received a statement for 2 months. 

Citi is refusing to correct their errors because they don't like that they are getting cussed out on a regular basis. Last time I checked... having your little feelings hurt doesn't negate the contract we have. 

You are required to provide me with a monthly statement for my account, and you are failing to do so. As there is currently no physical way for me to pay on my account or manage the account otherwise... I'm not sure how you are expecting that I make my payments, as your customer service team doesn't know how to answer the phone. I am left with no choice but to consider your lack of cooperation as a refusal of my payments.
Product: Mortgage

I go online to make payment, every time have to add bank info including routing and account number. After going through the complete lengthy process and you click make payment it says something went wrong to check back later, This has been going on for months since the merger of BBT and Truist. Also if I try to make an additional principal payment it says you can only make an additional principal payment within 24 hours of the payment due date which incurs additional interest for me as they will not accept that additional payment. Please help, I only want to be able for them to accept my loan payments. Also to make a payment I have to call Truist and the hold times are always in excess of 30 minutes. This is unacceptable they always apologize and say they are working on the problem but to no avail. Thank You!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blockage of inaccurate information on my credit report that is a result of identity theft. I recently attempted to apply for credit and was denied, prompting me to review my credit report. Upon inspection, I identified Three ( 3 ) unauthorized accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The
ft and FCRA Violation : I have diligently tried to dispute these accounts directly with the creditor, XXXX XXXX XXXX. Despite my efforts, they have been unable to provide any evidence or documentation proving that I am associated with these accounts. As such, I am left with no choice but to believe that these entries are a result of identity theft. 
Furthermore, I did not provide any written permission, as required by the Fair Credit Reporting Act ( FCRA ), for the inclusion of the identified transactions on my credit report. As such, I am formally requesting that you block the reporting of this information as it is not related to any transactions initiated by me, the consumer.

Request for Blockage : Pursuant to FCRA Section 605B ( 15 USC 1681c-2 ), I kindly request the immediate blockage of the aforementioned unauthorized accounts from my credit report. This section explicitly states that consumer reporting agencies shall block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft.

Supporting Documentation : Enclosed with this letter, please find a copy of the police report I filed regarding the identity theft. This documentation serves as proof of the unauthorized nature of the accounts and supports my request for the blockage of this information from my credit report.

I expect your immediate attention to this matter and request confirmation once the blockage has been implemented. Additionally, please provide me with a free copy of my corrected credit report after the changes have been made.
Product: Vehicle loan or lease

Dear sir or Madam : I bank with Chase. I have XXXX credit cards, a savings account, and a checking account active with Chase Bank. I have been a member of Chase Bank since XXXX. I like having my accounts all in XXXX location, so I decided to use Chase to finance an auto-loan. Technically, this was a refinance because I purchased my previously leased vehicle. 

The facts are as follows : - I leased a vehicle - The lease term ended in XXXX XXXX, at which point I decided to use Chase Auto Financing to finance the purchase of my vehicle. 
- I financed the vehicle on XXXX XXXX, XXXX. 
- Chase incorrectly calculated the sales tax of the vehicle - Chase sent title documents to XXXX XXXX, MO in XXXX XXXX - Chase failed to provide me the appropriate amount of sales tax on the vehicle, so the title documents were not processed. 
- I called chase to determine where my title documents were numerous times. Chase punted me around to numerous departments before finally telling me that my title documents were not processed because they incorrectly calculated the sales tax on my vehicle. 
- I did not receive the title documents until XXXX XXXX, XXXX months after I financed my vehicle. 
- Chase caused me to violate numerous Missouri laws and jeopardize my car insurance coverage by their failure to properly process the title of my vehicle. 

As a result of the continuous errors with Chase Auto Financing, I have spent an unquantifiable amount of time dealing with this situation. If you pull the logs and calls that I have made, it accounts for what I can imagine is over 6 hours of communication, just with Chase, not counting the calls I have made to the local licensing office and the Department of Revenue. I first received notice that I owed more money for sales tax, again in XXXX XXXX, Missouri, where I do not live on XXXX XXXX, XXXX. This was over XXXX months after I financed the vehicle. 

Further, I have been assessed a tax penalty for failing to declare personal property by XXXX XXXX, XXXX in the amount of {$44.00} by the XXXX of XXXX XXXX, Missouri. I expect that this amount will be paid by Chase.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 

XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Original balance XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} U S DEPT OF EDXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXXXXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Customer Service po box XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute an item on my credit report. I have requested validation of this debt but have not received it. 
Under federal statute15 U.S. Code 1692g of the Fair Credit Act that requires debt validation. I am entitled to request validation of any debt listed on my credit report within 30 days of such request. I have made this request but have not received any response from XXXX XXXX or Experian. 
I am requesting that XXXX XXXX and Experian remove this item from my credit report or face litigation for noncompliance of federal statue.

Thank you for your attention to this matter. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX # 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 agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Charge-Offs Dear Sir/Madam, I am writing to formally request your assistance in removing inaccurate charge-offs from my credit report. I have noticed that there are reoccurring charge-offs listed, which I believe to be erroneous. The details of the accounts in question are as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Dates of Charge-Off : XXXX XXXX and XXXX XXXX -Action by Company : Sold my information and debt to collections without my acknowledgment and consent. 

These charge-offs have been reported multiple times inaccurately, and I believe this is affecting my credit report unfairly. I have already contacted the credit bureaus and the creditors involved, but the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in correcting my credit report by removing these inaccurate reoccurrences. Enclosed are copies of my credit report highlighting the discrepancies, as well as any correspondence I have had with the credit bureaus and creditors. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

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

In JXX/XX/2020, I have filed a notice with XXXX, XXXX, and TransUnion for removal of all old credit cards reporting as charged off from bankruptcy. Which is illegal to report after bankruptcy in my credit report. Which most of the credit bureaus move it " closed account '' but not removed it from my credit report. I have sent another letter to remove but no response from any of the credit bureaus with this matter. 

On XX/XX/2020, I have sent a request to each of the 3 credit bureaus for verification to bankruptcy reporting in my credit reports. Due to Covid-19, I have intentionally waited 6 weeks before sending complaint to CFPB with no response from any of the credit bureaus. 

When I received the response letters from XX/XX/2020 CFPB, I was to call to obtain the status of response from the bureaus and when I was online waiting for almost an hour, I was told that I could NOT get the update from credit bureaus because I needed to be identified! Clearly this is delay tactic when there has been communication prior to from all credit bureaus issuing a file number and referring as the subject matter prior to now needing verifications to my identity. 

I can name number of Fair Credit Reporting Act violation with this matter and I need this matter resolved! If all credit bureaus can not supply the verification to bankruptcy in my credit report in timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Product: Debt collection

Collection agency is reporting an exaggerated amount owed as well as reporting a different amount to each credit bureau.
Product: Credit card or prepaid card

I have spoken with Navy Federal Credit Union on multiple occasions.  NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's  XXXX   XXXX  service, they finally corrected that. However, they refuse to lower the minimum due. This is against  SCRA as well as, ironically, the information NFCU has on their 'Military Pay  ' App.      SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing.      Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 Midland Credit Management add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and i am no longer responsible for this account, Debtors creditors did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Midlands Credit Management has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX