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

Subject : Formal Complaint, Opt-Out of Inaccurate Reporting, and Demand for Immediate Updates I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) regarding the inaccurate reporting of my credit information. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., I am exercising my rights concerning the privacy of my personal information and the accuracy of my credit report.

The FCRA mandates that CRAs must follow reasonable procedures to protect the confidentiality of credit information and promote accuracy, fairness, and the privacy of personal information. Notably, 15 U.S.C. 1681a states that it is illegal to report transaction history on a credit report, as the Act excludes reports that contain information solely about transactions or experiences between the consumer and the reporting entity.

Given the inaccuracies in my credit report, I am opting out of any and all authorization for the reporting or sharing of any information related to the accounts inaccurately reported. This includes any written, unwritten, verbal, or nonverbal authorization I may have provided, in accordance with 15 U.S.C. 6802 and 16 CFR Part 313, which govern the Privacy of Consumer Financial Information.

Due to the violations of my rights under the FCRA and the impact on my creditworthiness, I am demanding immediate updates to my credit report to correct these inaccuracies. I expect these updates to be made as soon as possible, in compliance with the FCRAs accuracy standards. Should these updates not be made, I will be seeking compensation for the violation of my rights as outlined under 15 U.S.C. 6801-6805, 16 CFR Part 313, and 15 U.S.C. 1692k. I am prepared to pursue legal remedies should my demands not be met.

To resolve this matter, I require the following : Immediate correction of the inaccurately reported account ( s ) on my credit report to comply with the FCRAs standards.

Compensation for the violation of my rights under the FCRA and related statutes due to the mishandling of my personal information. 
Written confirmation of the actions taken to address my requests as required under the FCRA. 
Failure to address these concerns will compel me to take further legal action to protect my rights and seek full compensation for the damages incurred. 
Thank you for your prompt attention to this serious matter. 


Company : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to your agency in hopes you can help me with my disputes. I opened a claim on  XXXX / XXXX /  XXXX   for the charge of {$2500.00} from   XXXX   XXXX   made on  XXXX / XXXX /  XXXX   on my  XXXX  credit card and I still didnt hear from them on what happened with that. Please help me find out what was the outcome. I opened a dispute because I paid for a service that I did not receive.   XXXX   XXXX   contacted me offering me online services, I could never get any help from them or get a straight answer on what to do after they showed me some videos. I could not comprehend what was in front of me, and they did not answer any of my questions. And I dont know what happened with my  XXXX  claim. Thank you for your help.
Product: Checking or savings account

I have filed several complaints about Wells Fargo so far Wells Fargo has not called me but only sent a letter to bbb so Im filing again then next time sense Wells Fargo has changed committed fraud and identity theft Ive filed a police report and I have an attorney that has my paperwork showing how Wells Fargo has tried to open a credit card in my name and has now settled with this yet I did file with the mediation department I have not been contacted one time about this I will turn this over to the attorney to go ahead and file I open court to resolve this issue I know now that Wells Fargo can not send this to arbitration I can sue them I recently gave Wells Fargo another chance and now Im getting the same results with the credit card I have and I also closed my checking account due to the fact to many problems and issues I do have a police filed so I dont want excuses from Wells Fargo if I dont get any contact by this bank I will go ahead and file in court I want this settled with compensation for what I been through I do have proof of the credit card that was almost open in my name the attorney advised me that Wells Fargo did not selttle on this matter that this needs to be cleared up or Im going to take this bank to court I will file another complaint with cfpb about this matter Wells Fargo has done nothing but caused problems and I want this resolved
Product: Credit card

I was provided a partial refund by the airline I flew with to go back to my original form of payment. After XXXX weeks the payment didnt post back on my credit card. I called to resolve this issue and they say they dont refund the money back unless the credit card holder calls. It has also taken me XXXX hours and multiple phone calls to try and get my money back. At this point in time the issue has still not been resolved and they can't give me a proper answer on why they withold a refund on my behalf.
Product: Mortgage

Hello, we purchased a home in Florida  XXXX / XXXX / XXXX . We got a conventional mortgage with  Prime Lending. We had our current home ( at the time ) for sale and planned on paying off the Prime Lending  mortgage when the current home ( at the time ) sold. We did n't want to put 20 % down so as not to drain our saving if the home for sale did n't sell quickly. So, Prime Lending required us to have Property Mortgage Insurance  (  BP PMI ) - they suggested Single Premium Borrower paid Mortgage  Insurance  and never mentioned it was the non-refundable option. So, we paid over {$3100.00} at closing for this  one time  premium. Our PMI disclosure that we signed shows a refund  may be  possible. In  XXXX  our home sold. In  XXXX  we paid off our  Prime Lending mortgage but Prime  had already sold the note to  XXXX   XXXX . So, since our loan was paid off we wanted a pro-rated refund of our  one t ime PMI payment. I talked to  XXXX   XXXX  and they said it 's not refundable -  Prime  says they sold it so their hands are washed. If I understand it correctly, a refund is possible if the mortgage is paid off according to the  1998 Home Owners p rotection act. The insurance company was  XXXX  and even on their webpage it shows 'Non-Refundable ' BPMI is refundable under th e 1998 Act.   Can you help - am I understanding the ACT incorrectly?     Thank you
Product: Debt collection

This company began calling my number approximately XXXX 2016. I have continuously asked they remove my number from their contact list, as the person they are looking for does not live here. They insist on calling, at least 4-5 times per day even though the number is on the " Do Not Call '' registry.
Product: Credit reporting or other personal consumer reports

Experian is reporting a collections account on my credit file. I have reported this account as invalid, inaccurate and a mistake that should not be on my credit report. Experian has claimed they've investigated the reported information and found it to be accurate. On XX/XX/year>, I sent a letter to Experian challenging their dispute results and requesting a detailed description of the method of verification used to validate the reported information as required by Section 168i ( a ) ( 6 ) of the Fair Credit Reporting Act. Experian did not provide this information and it has now been 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX 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 or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

My current lender is XXXX Mortgage. I sent a payment of {$1500.00} on XXXX XXXX 2015 which was deposited by mistake into Freedom mortgage 's account. I contacted freedom mortgage and their loan servicing dept contacted me on XXXX/XXXX/2015 and advised me that they had found my check and would refund my money first to Freedom Mortgage and then to my lender XXXX. 
To date XXXX the money has not been sent to XXXX. I have tried to contact Freedom Mortgage and XXXX servicing several times to find out the status of my refund with no success. I need to get this money sent to XXXX so they can credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Equifax on XX/XX/XXXX. It reflected a hard credit inquiry on XX/XX/XXXX from XXXX XXXX that we did not initiate. On XX/XX/XXXX I spent 2.5 hours on the phone with XXXX and/or XXXX XXXX at four different numbers before I could reach a supervisor that transferred me to the fraud department at XXXX. The fraud representative name was XXXX and his employee ID is XXXX. Prior to the fraud dept. I spoke with XXXX with employee ID # XXXX at XXXX. They confirmed someone applied for a new account on XX/XX/XXXX. They stated the application was still pending and I had to talk with another department to report the fraud and prevent the account from being approved. After two hours on hold, they stated the account was approved but then shut down based upon my phone call regarding the fraud.
Product: Credit reporting or other personal consumer reports

Experian is in violation of multiple provisions of the United States Code specifically, 15 USC 1681b, 15 USC 1681a, 15 USC 6801, 15 USC 6802, and the GLB Act. I am also referencing the potential penalties outlined in 15 USC 1681n. It has come to my attention that my credit report contains transactions and experiences that not only are NOT allowed in the report, but that were submitted without my written authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of  the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX
Product: Vehicle loan or lease

I have been making weekly payments of {$150.00} to my RV installment loan at M & T Bank since XX/XX/year>. Instead of applying the additional payment amount to the principle of the loan, during the monthly billing cycle, M & T Bank keeps moving my payment due date forward. I had a call with M & T Bank and the financial XXXX from XXXX XXXX XXXX before I took this loan and was assured this would not happen. I was assured that ALL additional funds would be applied to principle during the monthly billing cycle. They are effectively preventing me from paying down my loan in order to collect as much interest as possible. They will claim that I am paying my loan off earlier because the payment date is continually moved forward, but that is NOT the agreement I was made to believe. I am paying off the loan earlier, but NOT paying less interest. I was 100 % lead to believe that all the payments I made in a monthly billing cycle would be applied to THAT MONTH ONLY and ALL ADDITIONAL FUNDS WOULD BE APPLIED TO PRINCIPLE!
Product: Credit card or prepaid card

hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying Chase Amazon Visa Card, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Product: Debt collection

This company is attempting to collect a debt from my XXXX XXXX XXXXXXXX XXXX. The company was negligent in attempting to obtain my Nebraska XXXX information in a timely manner. My child had active XXXX at the time of visit. The admissions team should have searched his name in their database and found this information.
Product: Checking or savings account

My account is marked as me owing money and my Social Security check is being held by the bank nothing has been discussed with me its been ongoing for 6 weeks. I cant pay my rent and bills.
Product: Credit reporting or other personal consumer reports

I woke up today to discover inaccurate accounts listed on my credit report, and Im completely confused as to how this could happen. I check my report frequently, but this time there were errors that Ive never seen before. Thinking it might be a technical glitch, I refreshed the browser, but nothing changed. Im begging for someone to carefully verify the documents Ive sent so I dont have to live with this anxiety any longer.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

On XX/XX/2024, I requested a copy of All original contract agreements, the option for dispute notifications and the notification dates associated be sent to me from representatives of each credit bureau. The XXXX rep I was able to speak to said she didnt have the information I was looking for and couldnt help me furnish it. XXXX hung up on me XXXX times, ( please check the call logs ) and Equifax said to reach out to the original creditors, as this would be their responsibility to provide. I truly feel like my consumer rights have been violated and that I am being unfairly taken advantage of. This goes against everything I read in the FDCPAs Section ( s ) 8 & 9 from as far as I can tell. Please help! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my pal pa account ending in XXXX. I have been in the hospital since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on life support for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell Pay Pal what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on life support supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

Paypal need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST DIED, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Product: Debt collection

Reached out numerous of times this is not me this should not be on my account. I have no knowledge of why this is on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I started to buy my first home. My offer on XXXX XXXX XXXX Fl was excepted and I started all the process of Appraisal, Inspection and survey. All required and I PAID FOR for my FHA Loan. My 1s Appraisal the seller agent tried very hard to get me to drop out because he had a cash buyer. I would do that. And he constantly kept trying. I had the survey done ( I PAID FOR ) done but Fidelity Title Company XXXX fl took upon themselves to give my survey ( I paid for ) to the seller agent and NOT to me, my realitor ( XXXX XXXX and her broker XXXX ). or to XXXX XXXX ( where I was getting my loan through ). This was done WITHOUT MY PERMISSION. Through all this I had to seek counsel from XXXX XXXX. A added financial burden that should have not had to happen. I personally feel ALL those involved in this ILLEGAL & UNPROFESSIONAL ACTIVITY should be accountable. I also feel the seller agent and broker needs to be held accountable for their UNPROFESSIONAL action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, My D.O.B. is inaccurate, payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. Equifax violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have 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. 

Also, I have yet to receive documents or updated information from said agencies.
Product: Credit card or prepaid card

My synchrony home credit card was closed due to no activity for 6 months. I never received any notice that the account was to be closed and planned on using it for a large purchase only to find the account was closed even though it had always been in good standing and paid off on time. The representative was rude and offered no advice or help to the situation.