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

I have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the XXXX XXXX  to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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 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-2 ( 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Credit Reporting Agency Address if sending via Mailing Address Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$0.00} from XXXX  {$1000.00} from XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, {$490.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX inquiry on my credit report. The XXXX account was finally deleted because it was never my account per the letter the bureaus recieved. However, the bureaus still are refusing to remove the inquiry after several attempts. The account was removed because it was never mine, so the inquiry should have followed. But I was given a flat out NO!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX XXXX/XXXX
Product: Checking or savings account

Back when I had Wells Fargo I got over drafted fees.
Product: Bank account or service

I have had nothing but trouble with a chase bank line of credit. The balance is about XXXX. I pay about XXXX per month, although i have been paying extra monthly toward principal. This is the situation. XXXX in 2013 i attempted to refinace my home with XXXX Bank. I still have all emails regarding this. Due to my difficulty in getting a sobordination from Chase i could not refiance at the low rate. It went up during the time i was doing this. In addition my amount was XXXX available but they refused to provide a sobordination unless i signed a paper ... forced lowing my amount to what i owed which was about XXXX. I had no choice..blackmail. Due to their delays and the requirement which took time, i did not get to refinace. Now i have been approved to refiance with Harp at XXXX XXXX. My credit is about XXXX and i have no " dings '' on credit report. At that time in 2013 i paid for the sobordination but never acutally got it or used it as i withdrew my refiance due to all the delays raising amount of interest. Not worth it. Now i would like to refiance and i dont feel i should again pay for this. Especially with the incident i am also complaining about that occured this week. I went to make my payment. I had called to find out the grace period, as i always pay in person and i was out of town on the XXXX the date due. I found out i had 15 days with no late payment. So on last Tues I went to make my payment at the Chase Bank at the XXXX, Fl Branch XXXX. I had the ck written for XXXX as i have done that to pay part on loan and part on principal. They REFUSED to take the check. the insisted it was late and the balance needed to go for late fee. The manager, not to bright, came out and agreed. I called Chase on phone ( they say recorded XXXX these calls XXXX and they verified no late fee. I then took my phone, called chase and put the manager on the Phone with Chase. They advised him no late fee. They had to tell him how to do his job. I had another appointment ( XXXX per hour ) that i could not go to dealing with this treatment by this bank. Then, after hanging up he made me write a new check for the exact amount. To DATE i have not been about to pay on the principle.I then wrote a XXXX check to go to principal. The BANK refused to accept the payment toward principal. I was in a hurry and did not again call Chase to teach this manager how to do his job. So i will be charged interest i should not have based on extra payment. What a bank not allowing you to pay toward principal???? He told me to mail it.
Product: Mortgage

My husband and I contacted USAA on XX/XX/2018, and began the process of refinancing our mortgage. As of today, we have dealt with approximately 8-10 employees who all guaranteed us they would own the outcome and get us to closing quickly. As time passed each one has dropped the ball and continue to cause issues and delays, which ultimately resulted in additional expenses on our behalf. USAA had all the required documents on or around XX/XX/XXXX to close our loan. However, as of today we have now been told by several people that our app was escalated and we would get the clear to close by the end of the week. Today we received a call from yet another employee who now advised they do not have all the documents ( even though prior employees confirmed receipt of all docs ) and our app has not been escalated. They yet again requested I submit more documents and they would need to wait approximately 5 more business days to  receive our payoff. 
This veteran based company has treated my husband and I absolutely terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX Balance XXXX : {$2100.00} ; XXXX  XXXX Balance Owed : {$5600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My husband and I have been TRYING to work with Carrington for a long time concerning our mortgage but, Carrington continues to work against us.

We applied for a loan modification for help due to the COVID-19 But they could NOT get the documents correct. My mane was left off, which in Texas if Married both name MUST be on the mortgage application and were married at the time of the original mortgage in 2011 and are still married. They also had XXXX name incorrect on the new documents. And he was FORCED by Carrington to illegally sign that he used the incorrect name as an alias. The fact is XXXX never used the name Carrington illegally forced him to sign. Also we applied for help thru the Texas Homeowner Assistance due to COVID and was DETERMINED ELIGIBLE and a letter of guarantee funds was was to Carrington on XXXX but the funds was NEVER APPLIED to our account. Case # XXXX We applied recently for a loan modification to make our payment more AFFORDABLE but Carrington made them almost double. The ORIGINAL payment was approximately {$1600.00} NOW the MODIFICATION has the payment at {$2600.00}. How is that more AFFORDABLE? 
Also we had the loan modification documents signed, notorized and returned to Carrington but carrington scheduled our home for foreclosure sale WITHOUT notification to us. We were HARASSED buy people stopping by wanting to see the house.ACTUALLY someone almost got shot we thought they were trying to break in, they were looking in the windows and trying to see if doors were open. Thats we found out it was sent for a foreclosure sale. Carrington was also ADVISED that XXXX had bad hearing and DOES NOT use a phone to talk. They were also advised that the phone number on file was a prepaid for Texting ONLY. They were sent a CEASE and DESIST letter to STOP calling that number but they still continue to was our minute. We can communicate thru email and text.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently reviewed my credit report and found unauthorized credit inquiries that I did not initiate. I previously requested that these inquiries be removed, but I see that no action has been taken. These inquiries are inaccurate and not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing these inquiries and requesting their immediate removal from my credit report. As required, I have attached an identity theft report, which provides documentation of the fraudulent activity. Since these inquiries were made without my authorization, they must be removed promptly to prevent further harm to my credit profile.
Product: Mortgage

i both a house back in XXXX me and my dad have name on it, for XXXX years living on the property, we didn't get any equity for house? i been true hardship of living, till i missed the monthly payment end up XXXX, i am lucky find some help, just to sale the house, no XXXX help came in my mail box or government help .....
Product: Money transfer, virtual currency, or money service

I began a consulting business and enrolled with XXXX to invoice clients. " WePay through JP Morgan '' is integrated with XXXX to transfer payment directly to my business account. 
On XXXX, I submitted my first invoice for hours worked XXXX, this invoice was paid on XXXX in the amount of {$1600.00}. 
On XXXX I received an email from WePay saying that my account had been closed due to being " High Risk '' and they can not process my payments through their site. I followed their dispute process to appeal the decision and received an email saying Currently the account has a balance of {$1600.00} which will be held for a period of 120 days to cover any potential chargebacks. ( {$49.00} fee to XXXX for processing even though it didn't work )
Product: Credit reporting or other personal consumer reports

I am reaching out to seek assistance in resolving a critical financial matter that has severely affected my credit score and financial stability. The actions taken by Capital One and XXXX XXXX XXXXXXXX have placed me in a challenging situation that requires immediate attention. 

Following the closure of all my credit card accounts by Capital One due to returned payments, my credit score plummeted from XXXX to XXXX, and subsequently further dropped to XXXX. This decline occurred in two significant steps - first, a decrease of XXXX points, and then an additional XXXX reduction. The situation was exacerbated when XXXX XXXX XXXX closed my bank account without notice, returning all credit card payments due to fraudulent charges stemming from a data breach that compromised my account. 

These circumstances have caused considerable distress and financial uncertainty, leaving me in a vulnerable position. I implore your assistance and expertise to help rectify these issues and restore financial stability. 

Your urgent attention to this matter is invaluable, and I am hopeful that with your support, we can navigate through these challenges and work towards a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX : Request to Block Fraudulent Information Due to Identity Theft dear Sir I am writing to inform you that I am a victim of identity theft. The information listed below, which appears on my credit report from the XXXX XXXX website, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with section 605B of the Fair Credit Reporting Act, I request that this fraudulent information be blocked from my credit report. Please send the required notifications to all furnishers of this information.Enclosed are the following documents to support my request : A copy of my credit report from XXXX XXXX, with the fraudulent items circled.A copy of my Identity Theft Report and proof of my identity.A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.I appreciate your prompt attention to this matter and await your reply.Sincerely, XXXX XXXX XXXX XXXX : Identity Theft Report proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 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-2 ( 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: Mortgage

I apologize ahead of time as bothering you so much, I do not know what to do!! 
I sent you something earlier?? that i did not make it to court due to falling and a wonderful couple helped me and was wanting to take me to hospital. I also told you i have 3 weeks to move. I have been trying for months to get payment lowered and back with XXXX it was more months than that, After house bought by Wells Fargo at auction i knew my only chance was to go to Wells Fargo direct again. I would gladly pay them every month but i can not go back and pay previous payments. I am in very bad health and will not live long enough to pay off house house unless win lotto?? I NEED TO PAY THEM AND LIVE HERE AS I LIVE!!! i can not back pay but can pay {$700.00} to {$750.00} every single month. I get my social security check the XXXX week of every month and i will go on their web or to customer service or mail check .SORRY again for taking your time but if something does not happen i am going to have another XXXX XXXX.My sister and brother live far from me and no room for me in their house.
Product: Checking or savings account

Money was overdrafted on the same day resulting in - {$12.00}. Wellsfargo immediately charged an overdraft fee without giving me a chance to fix it. Upon calling and asking for a first time waive, they refused and offered me a 25 % off. When I asked them if there was anything else they can do to help, the person ( XXXX  ) I spoke with threatened to recline the offer. I had no choice but to accept it as they explained the offer was one time and wont happen again.

I have been a Well Fargo member for years and they cant even extend a one time full waive. That is extremely insulting and shows they dont really care about their customer base. {$35.00} fee might not be a lot for them, but for someone who lives paycheck to paycheck, it is a weeks worth of food.
Product: Credit reporting or other personal consumer reports

XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,