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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off XXXX - XXXX XXXX  {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off Equifax XXXX XXXX XXXX XXXX {$14000.00} Account Info Account Number XXXX Date Opened XX/XX/year> Account Charged Off
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

I recently notified Experian that I am a victim of Identity theft. Experian responded that they Verified the fraudulent XXXX account as accurate and said that they would not re-investigate this fraudulent account that I am complaining about. The XXXX account that is reflecting on my credit report IS NOT MY ACCOUNT, AND I didnt have anything to do with it. I would also like to know how a fraudulent account is verified, and when and with who.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from experian and XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an XXXX credit card for over seven years and have never been late. They were with XXXX bank and switched over to Barclays Bank ( XXXX XXXX XXXX ) in XX/XX/2021. I was not aware of the switch over and didn't receive their card until XX/XX/2021. When I realized the switch over I went online to see what was going on and discovered they were showing a late payment. I called them ( Barclays ) immediately to get it straightened out. They said there were glitches in the switch over apologized for the error, removed late charges and assured me that a late payment would not be reported to the credit bureau. Today I checked my credit report because I received notice from XXXX that my credit score had dropped considerably ( XXXX points ). When I checked my report I found that Barclays had reported a late payment for the month of XXXX. I pride myself in always being on time with all my payments and have never been late on any payment in over 20 years. I called Barclays on XX/XX/XXXX at XXXX a.m. and they would do nothing to help me. I believe their reporting practices should be investigated. Please review my credit report which will show you years of on time payments.. Thank You for your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by TransUnion. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly. 

Details of Disputed Information : XXXX. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, TransUnion, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring TransUnion : 1. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication.

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I made an online inquiry looking for the best terms to open a HELOC. I received numerous responses. One of the responses was from a XXXX XXXX with Rocket Mortgage. He offered me a refinance of my current first mortgage. I told him that I was uninterested in refinancing my mortgage. Nevertheless, I have received correspondence ( cover letter attached ) and numerous phone calls from Rocket Mortgage as if I've applied for a mortgage with them. I did no such thing. I am concerned that this phony mortgage application could damage my credit.
Product: Credit card

Unauthorized transaction on statement. As I notice unusual statements balance. XXXX {$200.00} Lowes {$800.00} unauthorized by me XXXX notice of cards lost as checked statement
Product: Checking or savings account

My parents are both deceased and I am the trustee of their estate. My mother recently passed on XXXX. I contacted PNC bank in person many times to close a business account that they had opened to handle well water payments for their neighborhood. I requested to close the account and was told to provide death certificates for each of the signers ( my mom and dad ) and a small estate affidavit for each of them. This was sent to the legal department and I was told I could not close the account because it was marked a a corporation in the system. I asked what I needed to do and was told- on a recorded line- that it was probably marked incorrectly when the bank merged with Compass bank and that I would need to prove to them that it was NOT a corporation. I explained that the business name was not listed with the XXXX  XXXX XXXX, there was no XXXX ( the account is under my fathers social security number ) and there were no Articles of Incorporation on file- the bank should also have this information on file. 
I have written letters with all of the necessary paperwork included to the corporate PNC Bank offices in XXXX  and to the corporate office in XXXX. I have been ignored each time.
Product: Credit reporting

XXXX performed an unauthorized hard inquiry on my account. I 'd like it removed
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Because of the incident that started XX/XX/XXXX one fund were promised to me upon the following Tuesday and were not made available when in fact they shouldve been made available that day according to Law my complaint today is that I requested their bankers blanket bonds information and none was given to me I would like to have it immediately also any other XXXX bonds they may have surety bonds insurers so that I may make proper claimsNo one from the company can you give me this information Ive called several times to several different departments its ridiculous The company I am talking about is Wells Fargo bank they truly do have illegal practices as they will not relent to do the right thing even though it is clear and evident with all the evidence I have proven to them that I simply want what is mine or compensation for what they will not give me back Ive been told that my promissory notes Are negotiable instruments by their legal team two times by the same legal team member one over the phone just from reading the document When the banker proceeded to tell The legal team representative that it was hand written he wanted to send him a copy to confirm that it was a legitimate negotiable instrument five minutes after the Insent he confirmed the second time that it is in fact a legal negotiable instruments that their bank can use I didnt spoke with another banker and he contacted I believe his legal team member and they repeated the same thing they also told me I can not receive funds because there was no branch manager XXXX  and I would have to wait until the XXXX which was the following Tuesday and on that Tuesday that banker branch manager Mr. XXXX XXXX informed me that my funds could not be expedited because they are having power outage and computer failure and also proceeded to tell me that the bank will not be honoring my notes and will give no response as to why even after I sent affidavit after affidavit demanding a response I have all of these affidavits the originals and certified mail dates I also have emailsNo direct answer has ever been given to my Inquiries they have big breach the contract by silence and failure to reply and tell you to act as my fiduciary they have Breach the trust And violated the anti-trust laws along with Lord knows how many other fraudulent acts they have done behind closed scenes of what seems to be I simply demanded my property back if he can not They use they will not give it back because they know I know the secrets And the true power of promissory notes an signatureSo I simply ask for them to give me public information which seems to be a big problem For Wells Fargo bank to do I may a phone call yesterday and today about the same thing today is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX   XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been over 30 days and I have not received investigation results
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries reported on my consumer credit report, as referenced below. These entries appear to be t

he result of a data breach, fraud, or unauthorized activity. I demand verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. Please note that I am submitting this letter on my own behalf and not through a third party. I request that you carefully review this matter, as I did not authorize these actions. These unauthorized entries are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports. I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they must be classified as the result of a data breach or illegal reporting by creditors or third-party data furnishers. I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.
Product: Mortgage

On XXXX XXXX, XXXX I went onto www.carringtonms.com to make my mortgage statement. I have grace period to the XXXX to pay my mortgage but due to it being after that date my online payment included the {$50.00} late fee. I checked repeatedly to make sure that I input my routing number correctly and my bank account number and made sure the payment was submitted. I received a call on the XXXX of XXXX from someone at Carrington and I returned their call on the XXXX of XXXX. I spoke with a gentleman who informed me that they attempted to receive the payment and it came back account not found. I told him that I had made sure I input the correct information. I went ahead and made the payment over the phone that same. On the XXXX of XXXX I returned home from a business trip and opened a letter from Carrington dated XXXX/XXXX/XXXX stating that it was rejected for a account not found reason and stating that my payment must be in certified funds only although they received the payment by check on the XXXX, I called their customer service and spoke with XXXX representatives. The first told me that I had to make my payment today so that it would n't be late because they are closed on the weekend and Monday is a holiday. I told her I have until the XXXX to make a payment but I would go ahead and make it today. I went online to make the payment and saw that the payment due was $ XXXX.My payment is currently {$1200.00}. I was on the phone with a representative and told her what it showed. She told me that if I paid over the phone with her that I would save {$35.00} and that they had credited my account. she told me once I paid it to give her the confirmation number. I told her I did n't see where my bank account was refunded. She said that I would n't see it. It would be held in their ( Carrington Mortgage ) account as a credit until my next payment. I told her that I wanted my money back and I never gave Carrington permission to keep my money. She informed me in order to receive my money back I would have to show them a copy of my bank statement. I told her thats none of their business and why they needed to see my bank statement. I spoke with XXXX different representatives. XXXX hung up the phone, the other XXXX all said different things.I told them I just wanted someone to tell me the right thing. They all said Carrington does't give peopl 's money back and in order to do so they need to see a bank statement. I am pretty sure I put the correct information into the payment system the first time. A few years ago they told me the same thing at that time I thought they were credible now I do n't believe they are.When I checked my credit report today Carrington Mortgage had reported that I had missed a payment. That I owe {$1300.00} and that I am 60 days behind on my mortgage to XXXX
Product: Debt collection

I am disputing a charge-off/collection that was reported by MIDLAND FUNDING LLC, XXXX and XXXX and late payments on Consumer portfolio Services on my credit report. I believe this reporting is inaccurate for the following reasons : XXXX XXXX XXXX XXXXXXXX XXXX : XXXX MIDLAND FUNDING XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am trying to buy a house for my XXXX kids because I cant afford to pay too much rent i have trying to contact to credit and I didnt receive any contact s i have signed with them please remove them from my credit report thanks
Product: Checking or savings account

Recently i got scammed for the total amount of {$500.00}, that was sometime in XXXX/XXXX. I filed a claim and got reimbursed for it via credit. Recently, like last week i noticed that the temporary credit was reversed not due to any foreshadow or any sort of email stating " Hey, you know that credit we issued a couple of months ago, we're going to go ahead take that back, thank you ''. Literally i woke up the next day and {$200.00} ( the initial credit ) was reversed. So i called Wells Fargo asking them to reverse this credit. Keep in mind something similar like this happened last week it was also another credit that got reversed for absolutely no reason at all and i was able to talk to the rep for Wells Fargo and she looked on why the credit was reversed and was able to determine that there was no reason at all for why the credit was reversed. So she looked into the Credit and was able to issue me back my funds within a couple of hours. God bless her. So again fast forward to that next week and again this happened once more. As stated earlier i called in but was unable to get a re-issue of funds like last time. Instead i was greeted with " we were able to determine it was a 3rd party app '' So when someone gets scammed and you guys issue me a credit and since so much time has passed I.E 2-3 months ago while i was going through everyday not even remembering the credit. Literally out of nowhere, with no hindsight i got XXXX deducted from my account via reversal of credit.
Product: Mortgage

Good afternoon, My mortgage formally was with Ocwen Loan Servicing and was sold to PHH Mortgage ( XXXX XXXX XXXX ( XXXX XXXX  ). There has been several occasion were this lender PHHXXXX XXXX  has been trying to get me to either refinance or do a loan modification. I have mention to them a numerous amount of time theses are not need at this present time when they were offered during COVID in XXXX. PHHXXXX XXXX  XXXX  has applied a loss mitigation/Forbearance fee of {$140.00}. I have repeatedly informed them of my decision regarding this following service. I've recently received my mortgage statement for XXXX and the fee have not been removed. 

Please Help, Kind Regards,
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 U.S.C 1681 : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable