23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information reporting on my credit report. 

I have previously requested the corrections, including my ID displaying the correct spelling of my name and correct address. 

Experian, continue to report the incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$8000.00} ( Opened XX/XX/XXXX ), ( Closed XX/XX/XXXX ). XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an 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 XXXX 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 is inaccurate.
Product: Mortgage

I initiated the request for mortgage assistance with Bank of America at the end of XX/XX/XXXX. I was unemployed from XX/XX/XXXX to XX/XX/XXXX and my new salary was reduced by 20 %. I filled out the required information, submitted the requested documents, and was promised a quick turn around. It is now XX/XX/XXXX. BOA has asked for dozens more documents, letters, revised RMAs, etc. It is never enough. This is obviously a run around process to discourage me from seeking a modification and pushing me to a refinance. I am seeking a reasonable offer to modify my mortgage ; it is currently a 15 year, XXXX mortgage, with a principal, interest, tax, and insurance payment of close to {$6000.00} a month!
Product: Credit card or prepaid card

My mom died in XXXX. Unknowingly, I paid her Chase bill twice- once over the phone and weeks later with a check when the bill arrived in the mail. More than a month after that I realized Chase owes me {$920.00}. 

Chase told me I should write to them and include a copy of a cancelled check. I would then receive a check paid to my mom 's estate. Alternatively, I can wait 30 to 60 days for a refund. Neither option is satisfactory. 

I don't have a cancelled check since banks no longer return checks ; furthermore, the money came out of my personal checking account which has nothing to do with my mom 's estate. ( I sent them a check from MY account. ) Since I can't provide the first requirements, it's inappropriate that I should have to wait one to two months to get my money back. There is no question that Chase owes me {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some of my XXXX XXXX XXXX with Fed Loan and in XXXX they were put into what I thought was deferment. However the person who put them into deferment didn't code it correctly so on their end it looked like I missed several payments which they reported to the credit bureau and on my end I was under the impression I didn't have to currently make payments. Fast forward to XXXX when I was in the process of purchasing my house my credit score was pulled and it was brought to my attention that I had several delinquent payments ( XXXX ) on my account that was reported by Fed Loan in XXXX. I contacted Fed Loan and after a short conversation I was reassured that they were going to take care of this situation and contact the credit bureau and have it removed off my report and they realized what the person who put the loans into deferment had done it wrong. Now fast forward to end of XXXX I was notified by Fed Loan that all my loans were being transferred to XXXX. I happen to look at my credit score today and realized it dropped almost XXXX points in a month and half and that the XXXX late payments are showing up on my credit report again. I contacted XXXX regarding my credit report and they looked up what the late payments were and said they were all from Fed Loan from XXXX and to contact Fed Loan and they will hopefully be able to help me take care of it again. However I tried to contact Fed Loan to address this issue and Fed Loan no longer exists because now all federal student loans are out of XXXX. When you call the Fed Loan number it automatically disconnects and XXXX said unfortunately they cant help because the late payments were reported by Fed Loan so only they can remove them. So I am coming to you for help on the situation.. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXXXXXX XXXX XXXX  ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reporting this before to XXXX and got no response. I have a police report and affidavit on file. 

Affidavit of Demand XXXX XXXX XXXX XXXX OF XXXX COUNTY OF XXXX  The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item to be error. 


Creditor Name : Fair Collections & O - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Opened : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Assistance Department, I am currently a victim of Identity theft and I want to opt out all my personal information on your data base and website ( s ). Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts Remove any charges on the unauthorized account, and Take steps to remove information about this account from my all files I still have not received written confirmation of these actions. I recently learned that my personal information was used fraudulently. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on your data base/website ( s ) I will be left with no choice but to file a lawsuit that you are violating my rights and how Its affecting my ability for employment or buy a home. 


I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX I declare that, to the best of my knowledge and belief, the information herein is true, correct, and complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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: Credit reporting or other personal consumer reports

I am reaching out urgently address a critical issue involving incorrect personal information linked to my identity reported on my credit report.
Product: Debt collection

Ive asked XXXX, TransUnion, and XXXX to kindly remove collections, charge-off, and inquiries from my credit report several times and theyve failed to do so. Theyve shared my information with XXXX party companies without my consent. Theres several addresses on my credit report that Ive never lived, I told all bureaus I need exactly XXXX address on file. Ive even tried reaching out via certified mail. Ive also filed a report with the ftc for identity theft.
Product: Debt collection

XX/XX/XXXX, I received a collection notice on my credit report of XXXX and XXXX from Aragon account. I sent letters in XXXX of XXXX up until XXXX of XXXX stating that this is not mine. All they say was it was verified. never how or once showed the original document.
Product: Mortgage

Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries in Dispute :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXXXXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Product: Credit card

Hi I opened an account with XXXX ending in XXXX on XX/XX/XXXX and used the card the XXXX time for {$13.00}. I paid the bill and I guess it was too late but didnt know there was a late fee added. Due to this my account which I thought was at XXXX balance went back to {$13.00} and incurred XXXX more late fees in XXXX and XXXX and now has it at {$89.00} past due. I called on XX/XX/XXXX to pay the initial late fee I missed to bring the account current and have the other fees removed. They were unwilling to work with me, even though I legit havent used this card but once and that item was paid for in XXXX.
Product: Payday loan, title loan, or personal loan

Midwest Recovery Systems ( XXXX XXXX ) are showing that I applied and was approved and money was deposited to a account belonging to me in the amount of {$660.00}, which has NEVER happened! No funds have been added to my account by XXXX XXXX nor do I owe this company ANY MONEY. 

My credit report shows the opening of this account of {$660.00} and that there has never been a payment made on it since funded starting from XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. WHY? Because its not a valid funding. I have never borrowed, used, signed a agreement stating I wanted or received funds Anytime in XXXX. Period. 

I have disputed this with the credit bureau and this company is indicating that this account is valid when its impossible! I have NOT applied or received funding from XXXX XX/XX/XXXX. I have NOT authorized this company to access any of my information. 
____________________________________________ I have tried calling this company, sent a letter to this company to clear up these inaccuracies but I cant seem to get anywhere, I just get the run arounds, either they cant find my info or I cant understand the language spoken by the representative, or not listening to my concern too busy attempting to give me a loan ( selling ), etc. 

I filed an dispute with the credit bureau but my results say that the company just report that the info is accurate. When its absolutely 100 % inaccurate. 

Credit report says it will stay on my record until XX/XX/XXXX but should have never been on my credit in the first place.
Product: Consumer Loan

I paid off my car loan to Honor Finance, I used the same credit / debit card I have used for the past 10 months and am now told that they will not release my title or any other documentation, which establishes that my note is paid in full, unless I send a copy of my credit / debit card as well as a copy of my drivers license. I asked why and they just said it was their rule and their way of making sure that I do not stop payment. How can sending a copy of my card and license assure this company of anything, much less guarantee a payment, which has already cleared my bank? I feel that they are holding my title, for a loan, which has been paid in full as a hostage to gain personal information, which they already have on file. I do not feel that additional information should be necessary as my loan is paid in full, the company is aware of my mailing address and contact information as well as credit / debit card information as they have been processing that card number as payments all along. As far as I can tell, through my research, their steadfast refusal to release my car title in a reasonable amount of time, say 30 days is nothing short of taking my title as hostage after final payment in an effort to obtain information they already have. This is unfair, unnecessary and unprofessional conduct. Any help you may provide would be greatly appreciated.
Product: Credit card

We 've had a PayPal account for years and years. In XX/XX/XXXX, however, Paypal pulled our credit report and converted our standard PayPal account to a revolving credit account. We were unaware of the change, so when we thought we were making a conventional PayPal transaction on our existing account, it charged this new line of credit. Making it worse, we then got no statement in the mail, so did n't know we had n't received a bill for this account we did n't know we had. Learned of the new account- and missed first payment! - only when applying for a mortgage. Called PayPal- they refunded the late fee but now I have a black mark on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to fraud. Under the FCRA section 605b, I am requesting of you to remove the following accounts off my Credit File : XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe that the disputed accounts belong under my name, you should have send me results of your investigation to support your claims. In the absence of such documents you should have removed the disputed accounts off my Credit File.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$8300.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$7100.00}, action collection svc Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$300.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$19000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

INCORRECT PERSONAL INFO ADDRESSES XXXX XXXX XXXX XXXX XXXX TX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX TX XXXX ( XXXX  ) XXXX XXXX XXXXXXXX TX XXXX ( XXXX  ) FRAUDULANT ACCOUNTS XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). TRANSUNION says they verified the fraudulent XXXX and XXXX XXXX account This XXXX or XXXX XXXX account is NOT MINE. I DID NOT RECEIVE ANY GOODS OR ANYTHING FROM THIS ACCOUNT. AND I HAVE NO KNOWLEGDE OF THE ACCOUNT.