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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Checking or savings account

I have been a customer with Wells Fargo for over 5 years. Throughout these years, because of my low-balance, I was often charged overdraft fees for items, so I changed my account to not allow a transaction to process if the money was not in the checking account. If an item still went through ( because they say it is a common vendor ) causing my account to be in the negative, I would have 24 hours to rectify the solution, or be charged a {$35.00} overdraft fee. However, they have recently changed their systems, so it will allow something to process, and at XXXX will re-figure the account, and now immediately charge a {$35.00} fee for a transaction it allowed through. On XXXX, in the evening, I paid a few bills. Because of Wells Fargo 's practices, I have severe anxiety when it comes to finances and banking. Therefore, I check my account daily. A transaction processed overnight and on XXXX I awoke to a negative balance as there was a difference of about {$6.00}. Immediately, I went to Wells Fargo ( herein " WF '' located at XXXX XXXX XXXX, XXXX, OR XXXX ) and deposited {$10.00} to cover the {$6.00} ( plus change ) difference in my accounting. I had however already been charged the {$35.00} fee, as I stated, WF no longer offers any time to correct a balance error. After making the deposit, on XXXX, I spoke with a banker, XXXX, telling him I again was wrongly charged a fee. Importantly, to note, I was charged a fee in XXXX of XXXX for an internal Wells Fargo transfer - from my checking to my Auto Loan ( also directly through WF ) as the same situation happened at midnight, " the system '' as the employees blame, incorrectly charged a {$35.00} fee. The system allowed this transaction & if it was not there, it should not have allowed a transfer, especially an internal one. That was rightfully refunded. After my XXXX visit, I was promised a call back. I did not receive one. On Tuesday XXXX, I called and was told the system would not allow the refund of this illegal fee. I asked to speak to a manager as Wells Fargo in refusing to return a fee, over a {$6.00} difference which I covered the same day, WF is stealing from me directly. The current service manager XXXX XXXX stated that she could not change what was in the system as her manager XXXX had reviewed and denied the request. XXXX was not in, I have left him a message. I let them know I was tired of them stealing from me & am closing my account ( s ). They did not apologize, nor seem to care at all. Wells Fargo has profited off me for years. They take advantage of " little people '', who like me, live paycheck to paycheck. Their negligence of care is outstanding and has caused me monetary and emotional harm and distress. Over the 5 years with them, they have made hundreds of dollars off me in fees. They currently have stolen from me, without consent, in a fraudulent manner. Wells Fargo has no consideration for how their action of something " small '' could be quite large in my individual life day to day. The {$35.00} they are stealing was budgeted for food. I have opened a new account with a different bank & will no longer tolerate these practices.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries i do not recognize. I have contacted all CRAs, and they refuse to dispute or investigate the inquiries. Below are all the unauthorized inquiries that should be removed from my credit profile. 

15 USC $ 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have run into many issues getting a home due to the 3 credit bureaus reporting inaccurate information on my credit report. I have disputed the inaccuracies and each bureau have responded only which letters showing the creditor verified the account. I have asked for the bureaus as well as mailed letters to the creditors asking them to supply information on how they verified the accounts and I have not received any responses. I began disputing with XXXX TransUnion, and XXXX on XXXX XXXX. It is now XX/XX/2021 and the same accounts are still on my credit report. I have mailed proof of the inaccuracies while highlighting and pointing out the inaccuracies. It is a disgrace that the bureaus work against the consumers instead of follow the laws set forth for them to be effective at keeping our credit reports accurate and complete. I sent more letters to each credit bureau on XXXX XXXX, expressing my total disagreement with the verified results. They have failed to follow the Fair Credit Reporting Act laws " to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. ... intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. '' I mailed letters to each creditor and none of them responded with documents or proving that the debt is mine or how they verified the information. I demand that these accounts be removed from my credit report for failure to respond and also for inaccurate reporting on behalf of the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information of my inquiries without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove/ block these inquiries from my credit file. I need the following inquires to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

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

16 U.S.C 1681 section 602 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 take any consumer report containing the following items of information, other than records of convictions of crimes which indicates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Collection agency reported on credit report and called via phone stating I owe a debt I have no knowledge of. Stated several times I dont know them and I dont owe a debt to the any mobile company. Requested the agreements do do business with the collection agency showing wet signatures and havent received anything. Disputed via XXXX and it states verified but still not one document received or any additional info from the collection agency reference the account or from experian. Debt appeared in credit report XX/XX/2023 and Ive been disputing since. Even the original creditor listed on my credit profile had changed. Theres no phone number listed to call. And I have no knowledge of this agency stating I owe them a debt!
Product: Payday loan, title loan, personal loan, or advance loan

There's accounts opened under my social security number through Wells Fargo, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  and I can't access any of these funds. Imsure there's more. They keep sending me cards with these agreements and fine print that I dont understand. I keep getting calls and emails from people requesting my information and ID to receive money. They pretend to be from the White House, I've had some from homeland security I screenshot majority of them.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account XXXX Date of Charge XXXX Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX my loan was sold by Guaranteed Rate to Chase Home Lending. During the time of transference, I had established an automated payment through my US bank account to issue a physical check to the address listed on the paper bill. After approximately three weeks, i did not see the payment process through on the account. I reached out to Chase and they said that they did not receive the funds. In order to prevent a lapse in payment, i processed an over the phone payment. A week later, the physical check showed up at the Chase address listed on the back of the statment and was processed. Chase informed me that the address the check was made out to was not a valid receiving center for their company. I disputed the statement with proof of address on the documents received in the mortgage transfer. Chase requested a copy of the cashed check image and i provided it to them showing that the check was received and automatically deposited by their processing center into a XXXX account. Chase denied any wrongdoing and stated that i sent the check to the wrong address. After an internal investigation, they report no error in receipt of the funds. I had told them that i would need to dispute the check with XXXX Bank and they would have to sign off that they did not receive the funds. They claimed it was fraudulently endorsed and told me that i would not be punished on my credit due to the mortgage transfer grace period. I was able to bring their balance current while awaiting the resolution with us bank to retrieve my funds. After further investigation, I've learned that the XXXX XXXX XXXX XXXX mailing address is a third party/subcontracted bulk payment processing center. This was the address listed on the back of the bill as an acceptable address and representative of Chase and its affiliates. Any errors incurred by their affiliate is an error incurred by Chase. I've provided copies of my statement, check and attempts to communicate with Chase.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 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 ( s ) to be in error : 1. Validate Account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items 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 reinvestigation within 30 days of receipt of this letter. Please make sure every report on this credit profile Is 100 % accurate. 

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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

The Servicer foreclosed on my home in spite of the Rescission that was done in XX/XX/XXXX, they said I owed money, I sent an XXXX, and they foreclosed in XX/XX/XXXX despite the Rescission of the loan, and they tried to send me {$22000.00} afterwards to Acknowledge, Waiver and Release Agreement for them so they wo n't have to answer for the injustice that they have created for myself and my family members. The Property Address is XXXX XXXX XXXX, XXXX, Georgia, XXXX. The Rescission was a United States Supreme Court Decision XXXX XXXX XXXX Mortgage that stated all that the consumer had to do was send a notice of Rescission and that was done by certified mail as you can see on the attachment. But according to XXXX the XXXX days passed and the SERVICER/ATTORNEY IGNORED the correspondence which was sent certified return receipt requested.
Product: Debt collection

As a XXXX provider and in contract with XXXX XXXX County XXXX should not charge anything extra and is to accept the payment from XXXX as the full amount. The XXXX listed on my credit report as being charged off is incorrect and i have not seen a bill explaining any charges and showing any payment from XXXX. I also had and have a supplemental policy that should have taken care of anything else. however, they will only pay when a company is not a XXXX   provider. XXXX always comes first. this was sent to a collection agency Merchants and Prof Collection Bureau ..not sure of address or itelephone number
Product: Payday loan, title loan, personal loan, or advance loan

On Thursday morning XX/XX/2023 I was hacked and all of my data compromised, my banking information, my email and cell phone was all compromised. The hacker stole all of my money from my credit union account which is tied to making payments to both loans with Upgrade. I attempted on Friday XX/XX/2023 to update all of my compromised data email, cell phone number and banking information with a representative who said they would need me to call back in 3 to 5 days so they could determine what needed to be done. I called today XX/XX/2023 and spoke with another representative that advised they would need to send codes to the email address or phone they have on file to update my information. I can not access the compromised email address as the hacker has complete control over all my data and I do not need this hacker causing me more harm by having access to the new data to the code to provide updated data and I have obtained a new cell device and modem and router equipment with my provider XXXX as the hacker installed a virus that updates all information to the hackers servers. Upgrade will not take my updated banking information for me to be able to make payments, they will not take my new cell number or new email address making it impossible for me to maintain my payments with them as I have NO ACCESS to my accounts and I can not use compromised data to access. I dont have access to the email and they advised the only way is to send a code to the compromised email account or phone which no longer exist. I was advised to go back and get the email scrubbed and reactivated so they can send a code and update my information which makes no sense whatsoever since I am the victim here of hacking which is a Federal offense.