23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 

I received a letter from Wells Fargo on XX/XX/2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did Not make Any Additional charges whatsoever After receiving the letter on XX/XX/2016. As I state, I followed the letter 's directions exactly, and did Not make Any Additional charges after being directed. 

Logging into my online account a few days afterwards, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf. 

Wells Fargo is deceptive and wrong. They claimed they sent me a letter, which they did as stated above. They clearly told me what not to do and I followed their directions exactly. 

I am Tired of Big Banks taking advantage of us. My husband and I have a {$400000.00} mortgage with them as well. IF they seriously want to continue to harm their customers, I will be refinancing with a different institution.
Product: Credit reporting

I have with all three credit agencies to fix my credit reports and XXXX and XXXX have followed proper protocol as far as handling my complaint the problem comes with Equifax. I have submitted a court order to them on numerous occasions regarding XXXX and they still have yet to update my information, in fact I was to by a representative that because this company has my SSN that supersedes the court order which I know is false. They have items on my report that date back ten and thirteen years on my report and have their protocol to contest these items and they told that they were not going to remove even when I show them the law that state the time frame they should be removed. they have inquiries on my report dating back to 2013. I would like these items remove and my report reflect my XXXX and XXXX reports.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 
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 Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX Hard Inquiries are not mine. 
Inquiry date XX/XX/20XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX, and Inquiry date XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting 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 has violated my rights. 

I have already disputed these items, but the bureaus did not remove nor validate them.

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

Trying to do a HELOC. Found out there is a hud lien on the house that we did not realize. It was filed by our old Mortgage Company XXXX XXXXXXXX XXXX. Then they gave the loan to Carrington mortgage. Tried to contact XXXX XXXX but they say to contact Carrington. Contacted HUD they have no records of this lien. They tell me to contact Carrington mortgage. Carrington shows the lien for {$11000.00}. But cant give me a 30 day payoff. Carrington says contact HUD! I did go to the county clerk records office and got a copy of the lien. Neither Carrington or HUD will not give me a payoff or address so that it can be paid, so I can continue with the HELOC. I also did a conference call with HUD and Carrington and all they did was point the finger at each other. HUD telling Carrington that they need to file a claim for HUD to have it in their system and Carrington saying its their lien they should have it. No one is helping me resolve this, they are just sending me in circles. Meanwhile XXXX cant sell, refinance, take out a loan on my own house until this gets resolved. I dont know what else to do. 
Any assistance is greatly appreciated. 
I just need a 30 day payoff with per diem, and an address where to send it. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to dispute this account but XXXX XXXX my access to do so. 
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXXXXXX XXXX XXXX  Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX XXXX XXXX Account number XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX name XXXX XXXX Account XXXX XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 
For this account I have been contacted by a collections agency I believe that my personal information has been compromised or sold. I did not authorize this company to access my personal information or credit file. 

XXXX name XXXX XXXX Account XXXX XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Product: Mortgage

It all started in XXXX when I made my house payment to Bank of America on the XXXX, and it cleared my checking account on XX/XX/XXXX. They mistakenly applied the entire amount, ( including {$100.00} extra to principal, which I do every month ) to principal instead of house payment, Who in their right mind would make a {$1200.00} payment to principal and not make their house payment. I have tried the entire month of XXXX and XXXX to clear this up. I ended up making my XXXX payment over the phone, and getting a confirmation number because the local branch where I usually make the payment wouldn't accept it. I made that payment on XX/XX/XXXX, and it cleared my account on XX/XX/XXXX. I recently made my XXXX payment over the phone as well, and got a confirmation number because B of A keeps sending me letters saying that I owe {$2700.00}. Every time I speak with someone it is a minimum of an hour and a half on the phone, and they always tell me that it shows I have made my payments, but due to their error, they are not being processed correctly. I spoke with someone again this morning and told them they have until next Wednesday to clear this up or I would be contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an inquiry on my credit reports from XXXX XX/XX/2022 from COMENITYCAPITAL/XX/XX/XXXX. I did not apply for any cards from XX/XX/XXXX and I believe this is a case of identity theft. I have since FROZEN my credit reports.
Product: Debt collection

In XX/XX/XXXX I cancelled a cell phone contract through XXXX wireless. They had informed me that I would owe an additional month of service and I requested that they send me a statement of my charges to keep for my records because I did not agree. I was told that I was no longer a customer so I would not be able to obtain a statement. Since then, XXXX separate debt companies have purchased this account, most recently Diversified Consultants. I spoke with a representative from Diversified consultants on XXXX XXXX, XXXX and requested proof that I owe this balance of {$150.00}. I was told that since the account was so old that proof of the debt would not be able to be obtained. I was then forwarded to a supervisor 's voicemail by the name of XXXX. I left him a message but still had not received a call back as of XXXX XXXX. 
I called Diversified Consultants again on XXXX XXXX, XXXX to follow up and was told that a request had been made to XXXX XXXX Collections, but they are unable to do anything for me aside from offering me a settlement. I asked that until the requested documentation is provided that Diversified Consultants stop negatively reporting against me to the XXXX credit bureaus. Again, I was told that there was nothing that could be done for me and if I had a problem I would have to report it myself. I also asked what the company policy was regarding lack of documentation. Specifically, I asked what would be done if the paperwork I requested was not available after thirty business days. I was told that they could not predict the outcome of the documentation, which directly contradicts the statement they made two weeks ago about not being able to obtain the documentation. The representative then hung up on me.
Product: Credit card or prepaid card

I recently noticed that I have wrongly been charged {$65.00} in Late Fees. Through my bank I have set up automatic payments to be made every 4 weeks, thinking that there would not be a problem to pay off our debt a little quicker than obligated. In reviewing the XXXX statement, I noticed I was charged a late fee for a payment received on XX/XX/XXXX ; however, the XXXX statement showed that I had made two payments ( XX/XX/XXXX & XX/XX/XXXX ). So in actuality I had made early payments, not late. Not noticing the late fee charged, I was charged a second late fee for not paying the entirety of my XXXX balance ( because the fee was added to the balance ). 

I have never been behind in my payments, the problem is that TD Bank gives you a smaller window to pay than the billing cycle, so by making more frequent payments, they can charge erroneous fees. This is an unfair practice that should be stopped. 

The attached file shows the days on which I paid, every 28 days, and the days where erroneous late fees were charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ).

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i was told that after i paid the account it was going to be removed off of my credit
Product: Credit card

My daughter is XXXX years old and her father opened store credit cards in our daughters name. XXXX XXXX and in Saks Fifth Avenue gave our XXXX year old store credit. My daughter is not XXXX and she is not personally using these credit cards. He also opened up several bank, credit cards or debit cards in her name as well. He was recently in XXXX for XXXX against the federal government.
Product: Credit card or prepaid card

I placed an order for a fire pit where I found the ad through XXXX. 
The Firepit was a millenium falcon fire pit The company was XXXX and it was never received. I used my BestBuy/Citi credit card, ending in XXXX. 
Order was placed on XX/XX/XXXX. 

When I disputed this with the credit card company, they sent me a copy of a XXXX tracking number that supposedly stated that the item was received. 
1. No delivery address was on this label.

2. The tracking number was not present or clearly legible on the label that Citi/BestBuy provided. 
3. The delivery city was incorrect -shows XXXX XXXX XXXX XXXX however my deliver address is XXXX XXXX 
4. The date format is not consistent with standards for XXXX XXXX. 
5. I work from home, I am home all day, and was present at home at the time of the delivery. No delivery attempt was made.
Product: Credit card

My card has been stolen and purchased ticket on XX/XX/2023 two times amount are {$940.00} for both tickets and I called for dispute on time but two transactions re-bill to my account means I have to pay for those two transactions I didnt made. I called the bank they told me they have documents showing that the tickets under my name and used they give me the case number and phone number to call XXXX, I called XXXX and they cant find any information for me.
Product: Mortgage

I have received multiple notices in XXXX and XX/XX/2022 from my mortgage ( servicing ) company, FirstBank Mortgage regarding a potential lapse of homeowners insurance. FirstBank also manages the escrow account that pays my annual homeowners insurance premium. While there was NO lapse in coverage at ANY TIME, FirstBank was delinquent in remitting payment of the annual insurance premium and that nearly resulted in the cancellation of my policy due to their error. 

I contacted both my insurance company and FirstBank and ensured that the policy payment was finally received and no lapse had occurred. This required spending multiple hours on the phone with both parties. 

After this, I believed all was well until I started to receive subsequent harassing letters claiming that I may have had a potential lapse in coverage and that FirstBank would buy coverage on my behalf and then charge me {$210.00} for this coverage. This lapse had never happened and if it had, would have been the result of FirstBank 's own negligence. I called FirstBank to confirm that my account no longer showed any " issues '' and requested a letter confirming the same. I was assured over the phone that my account was without issue and a letter would be sent. However, no confirmation letter was ever received. 

After receiving another harassing letter dated XX/XX/XXXX, I provided documentation on XX/XX/XXXX of both my previous term and current term homeowner 's insurance policies to FirstBank 's specified online portal ( www.mycoverageinfo.com ). Once again, I thought this matter was put to rest as I had provided written documentation of my home owner 's insurance policies, showing no lapse in coverage. 

Dated on XX/XX/XXXX another harassing letter was sent stating that while I had submitted information, they were unable to verify my coverage for the last 3 weeks of my pervious policy term ( XX/XX/2022 - XX/XX/2022 ). They once again threatened to buy coverage for this alleged lapse in coverage and charge me for it. The final sentence of this latest letter reads " WE HOPE YOU'LL AGREE THAT OBTAINING YOUR OWN INSURANCE IS IN YOUR BEST INTEREST. ''
Product: Credit card or prepaid card

Background : My Chase Sapphire Reserve Credit Card currently has an annual fee of {$550.00} and a Credit Limit of {$1500.00}. I was charged the annual fee on XX/XX/XXXX this year. Chase has reached out and said that they would credit {$100.00} to reduce the annual fee to {$450.00}. 

Issue : Per the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, no company can charge an fee ( including an annual fee ) that is more than 25 % of the credit limit. The current annual fee, that I am being charged now, is above this threshold.
Product: Debt collection

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # 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 15 U.S.C 1981 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 an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-21 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, # XXXX, CA XXXX TransUnion charged me XXXX for an membership that isn't advertised, it just asks you for a credit card number tricking you into thinking it's for the credit check but it's actually for their membership
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. I did not authorize these credit pulls.  There are addresses where I haven't lived, and there is a name that doesn't belong to me.