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

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. 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 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 Per 15 USC 1681 Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

XXXX  under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Debt collection

I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

Threatening to take me to court even during a pandemic in which I'm helping with XXXX
Product: Credit reporting or other personal consumer reports

Several listed inquiries on my credit report that I did not authorize. I've filed a dispute with XXXX regarding these inquiries.
Product: Bank account or service

I live off XXXX and about {$1000.00} a month part-time work. The company I work for does captions and subtitles. It 's run into financial troubles, so often the checks are late, and a couple of times the check has bounced. This month, I have about {$10.00} in my checking account with Bank Of America when I deposited this week 's check. Because of my employer 's prior history, they put a hold on the check over the weekend. Okay. But now they told me they are holding the check until XXXX XXXX! I called the boss, and he said the check had cleared his account on XXXX XXXX. I talked to customer service, and to someone at my branch, about why they were holding the check longer, and I never got an answer. My rent check will hit that account soon, and I will be in overdraft, with my credit card linked for the overdraft protection. But meanwhile, they have my paycheck. All they are accomplishing is forcing me to take, in effect, a payday loan. I will pay it with my check next week, plus interest. How else can this be understood?
Product: Debt collection

I was contacted by Medical Business Bureau concerning a past due medical bill. I paid a settlment ammount then instructed this company to please report this as paid in full to the credit bureaus. Instead they reported a lesser amount resulting in this paid bill remaining on my reports. Today is XX/XX/XXXX 2017 this was paid 6-8 weeks ago. I 've contacted this company to report this correctly to no avail.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX /Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within XXXX days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

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

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions , Inc., Over the past several months, I have submitted disputes on Experian Information Solutions , Inc. 's website. Experian Information Solutions , Inc. refuses to re-visit investigations stating they have already conducted their investigation ; however, those investigations were inadequate. 

There are currently sixteen ( XXXX ) accounts on my Experian Information Solutions , Inc. Credit Profile that is older than XXXX ( XXXX ) years old. 

I would sincerely appreciate your agency 's help.
Product: Credit card or prepaid card

XX/XX/XXXX On XX/XX/XXXX, I received a notice by email from American Express about a reduction to my credit limit. The reduction was from {$9500.00} to {$4500.00}. This left me approximately {$130.00} dollars of available credit. Since I never missed a payment or was ever late with my payments I thought there was some mistake. I thought this happened to those with payment issues only. I have been with AMEX for over 25 years and never had incident. I called them up and spoke to customer service. He informed me on XX/XX/XXXX my credit report from XXXX was reviewed and the score was XXXX. In checking XXXX rating scale this falls under good. Still he stated because there was revolving debt mostly from the personal financing of our business, they decided to reduce my credit by 50 %. He said making minimum payments was not sufficiently reducing the debt. Attached I have three statements for the last year since XX/XX/XXXX. My balance then was {$4900.00}. In XX/XX/XXXX a payment of {$400.00} dollars was made reducing the balance to {$4500.00}. By XX/XX/XXXX the balance was down to {$4200.00} respectively. The difference is approximately close to {$700.00} dollars. In addition, if minimum payments are an issue to AMEX then why have a card that allows them as most cards do. He went on to tell me I had options, one option was to make a {$2000.00} dollar  payment by XX/XX/XXXX. This would ensure restoration of the credit line. The second option was to send AMEX tax documents and bank statements to review for a possible appeal. If satisfied a decision could be made to restore my credit. At that point I felt something was not right. I knew credit reports are generally used for credit cards and supplying a credit card with such documentation without consulting someone was not a good idea. Especially, when there was no justifiable reason for such a drastic reduction or measure. I have never heard of such despicable and abusive behavior from a company. 
Though I have no problem supplying documents, I do believe this can lead to further abuse and unchallenged unfair practices from AMEX and others that follow in their steps. This in addition to the potential harm it can do to my credit file. I would like to know if this is considered normal practices from a credit card. According to your website this kind of transgression is not unusual for AMEX. It seems there are illegalities that they have been cited for. I would ask that your agency please follow-up on this situation. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 
Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected timely resolution and accurate reporting of my credit history. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraud on credit reports. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have sent in numerous of dispute with this company showing them the form they filled out when I contacted them stating I owed XXXX balance and they would re rent to me also it states no late payments where ever made, I have sent the form in numerous times of time stating I contacted them to make payment an assistant manager stated there is no balance owed, This account has stopped me from getting into different rentals and its only showing up on only two of my credit reports and doesn't match the information I received on form. Also, I never received any documents stating what this is for or anything I was just hit with on my credit report.
Product: Credit reporting

Previously deleted inquiries have reappeared on my credit report without any prior written notice that they would be added, this is a violation of FRCA 611, I want all inquiries deleted again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts thats Ive marked as inaccurate.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. This is the address thats incorrect Also XXXX XXXX XXXX XXXX XXXX  XXXX ok XXXX.
Product: Mortgage

On XX/XX/2016, Wells Fargo modified my loan after taking more than 6 years to modify my loan. It took Wells Fargo 6 years to modify my loan. Well Fargo intentionally postponed loan modification to inflate a huge amount of extra money into my principal balance. Wells Fargo never disclosed to me the break down of extra fees added to my account balance. I did not sign a mortgage consolidation, and I have never seen that document. I want a full review of all the extra charges
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer .I have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax XXXX and XXXX are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Checking or savings account

On XX/XX/2020, i went to a local Chase branch and opened a joint checking and savings account, in my name and my wifes name. We have been using the accounts since that date on a daily basis. I received a letter today from Chase saying that they have decided to close my accounts. I called the number on the letter and was told that Chase had decided to close the accounts with no reason given. I asked for more information and was hung up on.
Product: Checking or savings account

I am an XXXX man and a victim of a scam. I found out when Wells Fargo accepted a deposit in my checking account for an unusually high amount. Even though it was a large amount in the deposit, Wells Fargo did not put any hold on the deposit. So, I then sent XXXX wire transfers for the same amount that was deposited and that WF did not hold. Perhaps Wells Fargo should have exercised due diligence before accepting the large deposit. 

So, on XX/XX/XXXX, I received an email from Wells Fargo indicating they were closing my account. I called the Wells Fargo Fraud division and didn't get any cooperation about the Direct Deposits for XXXX of my SSI, XXXX XXXX and XXXX XXXX XXXX and Wells Fargo apparently is taking my XXXX retirement funds and applying them to the negative balance on my checking account. 

After being with Wells Fargo for more than 30 years, they have no problem taking my financial means of living for XXXX. 

I would like Wells Fargo to at least return my direct deposits for XX/XX/2022 so I can live.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a XXXX XXXX XXXX letter to Lexis Nexis to remove public information about a XXXX  that we not provided by the clerk of courts I also wrote another letter to provide proof of investigation to prove it was mine and the company failed to respond. This is causing hardship to my livelihood. Ive been consistent reaching out numerous of times and providing documents that they have been requesting and still no response as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX