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

I have noticed my payments with Wells Fargo were not completely reported to XXXX. 
I wrote Wells Fargo a letter in regards of the problem. I received a respond from Wells Fargo and it stated, that the information was sent to the consumer credit agency was accurate. I called XXXX to informed about the respond I had from Wells Fargo. XXXX keeps telling me to call Wells Fargo. But when I called Wells Fargo I was told XXXX needs to fix it.
Product: Mortgage

MY MORTAGE LENDER IS NEWREZ LLC. MY MONTLHY MORTGAGE PAYMENTS INCLUDE AN ESCROW ACCOUNT WHICH COVERS HOMEOWNER 'S INSURANCE AND PROPERTY TAX. NEWREZ COLLECTED MONLTHY PAYMENTS, BUT NEGLECTED TO PAY MY HOMEWONER 'S INSURANCE THUS MY POLICY HAS BEEN CANCELLED. NEWREZ HAS NOW FORCED ME TO UTILIZE THEIR INSURANCE PROVIDER WHICH IS THREE TIMES THE AMOUNT I WAS PAYING PREVIOUSLY. I FEEL THAT NEWREZ INTENTIONALLY NEGLECTED TO PAY MY INSURANCE PREMIUM SO THAT THEY COULD PROFIT FROM A HIGHER RATE, KNOWING THAT IT IS NOW VERY DIFFICULT TO BE INSURED IN CALIFORNIA. ON XX/XX/2024, I SPOKE WITH A NEWREZ REPRESENTATIVE BY THE NAME OF XXXX WHO INITIALLY TOLD ME THE PREMIUM WAS NOT PAID BECAUE THEY DID NOT RECEIVE A BILL. AFTER FURTHER INVESTIGATION, XXXX FOUND THAT THE INSURANCE COMPANY HAD IN FACT SENT A BILL, BUT IT WAS NOT PAID. XXXX REACHED OUT TO MY INSURER BUT THEY STATED THEY DID NOT WISH TO RENEW. I AM NOW HURT FINANCIALLY BECAUSE OF NEWREZ 'S NEGLECT.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report.

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand.

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being.

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors.

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found.

The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer.

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Checking or savings account

I have tried to open an online deposit account XXXX with SoFi Bank multiple times. They have denied me without explanation, even though I do not have any negative reporting with either credit agencies ( XXXX, XXXX, XXXX ), XXXX, or other well known credit/consumer reporting agencies. They refuse to send me any written documentation of their reasons for denying me an account. 

I have asked for formal written communications from them over the course of 7 different phone calls, the duration of which lasted hours cumulatively. I have been told various things at various times, ranging from that I was denied because I have two profiles in their customer database, to that I must have been denied because I have some kind of derogatory consumer or credit reporting information ( which is simply not factual ). 

Every time I call their customer service department they tell me they are unable to escalate my issue to a supervisor and that there is no additional person I can speak to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Product: Credit reporting or other personal consumer reports

I recently reported fraud on my account and I notified XXXX, XXXX and Experian and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all incorrect names and addresses associated with my credit file across all credit bureaus, as well as to request that only the following information be retained : Correct Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are required to ensure that all information in a consumers file is accurate and up-to-date. Furthermore, 15 U.S.C. 1681i outlines the obligation of credit reporting agencies to investigate disputes and remove inaccurate, incomplete, or unverifiable information.

The inclusion of multiple incorrect names and addresses in my credit file is a violation of these provisions and creates confusion that could adversely affect my credit profile. This also infringes on my rights to accuracy and fairness under the FCRA. 

I have identified the following inaccuracies that need to be immediately removed from my credit file : 1. All incorrect or alternate names other than XXXX XXXX XXXX XXXX 
2. All incorrect or alternate addresses other than XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

Please consider this letter a formal dispute under the FCRA. I request that all credit bureaus be directed to promptly correct my records and to provide written confirmation of the changes. I also request that all other names and addresses be permanently removed from my file to prevent further inaccuracies. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I sent a domestic transfer on XX/XX/2019 to a friend in NJ of {$500.00} from Bank of America and they never received it. I called them many times and they were saying to wait after I gave the complain but after few days they said they couldn't get the money back and couldn't do anything. the bank didn't have any responsibility for the lost of money even that was the right account and routing number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current secured loan with XXXX XXXX. It shows on my credit report accurately. Problem is that I have 12 closed accounts with XXXX XXXX. Every time I renew my loan for more money, they close the current account and open a new one. But they have refused to delete all closed 12 accounts from my credit report. I have never had a bad remark with this company. I want these closed accounts removed! This affects my credit rating. What is the problem with removing these old accounts that were always paid off????? 

XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed- Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. 
XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest BalancXXXX XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXX-Account Closed-AmounXXXX owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}. XXXX/XXXX/XXXX Highest Balance XXXXAccount Closed-Amount owed {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, XXXX  declined to address  problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/scrub>XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached :
Product: Checking or savings account

XXXX XXXX XXXX charged my account {$4700.00} and never delivered a product. XXXX XXXX is the owners name and he called my very hateful words such as XXXX and XXXX I contacted pnc bank and they informed me because it was a debit card transaction they can't do anything eventhough that was the last of my money that I need. They informed me I don't qualify for the protections because it was a debit and not credit card.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Westlake Service Inc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 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 XXXXXXXX XXXX AE XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.
Product: Money transfer, virtual currency, or money service

I want to address my question again I formally dispute about my case. Venmo suspended me with no any evidence. I have told you I register new account because I forgot my password. How to say I am fraud? Fraud for what? And what do you mean high risk? I didnt make anything wrong. You have no evidence to ban me without any reason. You obey the human rights. I need my account be back.
Product: Debt collection

I have been in contact with Premiere Credit of North America , LLC for payment of my back taxes owed to the Indiana Department of revenue. These people are extremely hostile. When told that I have been out of work for several months on a XXXX XXXX and that I could be out for a while longer they replied " So how are you going to make these payments that you are trying to arrange? '' Then went on to tell me that if the payment was not kept or if the card that I felt I was FORCED into giving them would not accept the payment that they would levy my wages and lock down my bank account. Both of which are MY property and nothing that I think a CREDIT AGENCY should EVER be able to have access to. These people are the most disrespectful type of people I have ever talked to in my life. They LIE to get you to give them a card just so they are able to take some sort of action. All of this over {$1000.00} in tax debt to the Indiana govt. I've been constantly beaten back every time I have tried to work with them on any sort of payments with " Well if you wanted to make payments then you would have already worked that out with the state, so we need the full amount now or we will put your accounts on hold. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

21st mortgage has received a promissory note for payment. Company has also received a XXXX and a coupon paying of this loan. The company has refused to follow the laws pertaining to discharge under the indentured trustee act. This loan has been paid and refuses to update the account and keeps saying the payment isnt valid. 21st mortgage has violated 1693-1, ucc 3-603,18 usc 8, 12 usc 411, ucc 3-104 and 31 usc 3123. The company has engaged in fraud and has already been paid a minimum of twice for this loan. Company was paid immediately following the approved application of the loan through my ssn account and cqv account. Company refuses to acknowledge correspondence as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX Bridgecrest account listed under XXXX XXXX XXXX maiden name )
Product: Debt collection

I have a debt collection on my credit reports from Ability Recovery Services, in the amount of {$710.00}. 

This debt was transferred back to XXXX College on XX/XX/2018, where it was paid in full in two separate transactions of {$350.00} on the same date. 

Per XXXX College on XX/XX/2018 by a XXXX XXXX my debt is to no longer be with an agency, my debt was paid in full. 

I have disputed the debt to the Credit Buraus but Ability Recovery Services claims the debt is still active though I have receipts and ticket transcripts with XXXX College proving that it is not and refuses to remove the debt from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX Hospital, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.