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

Got it! Ill personalize the letter with your name : XXXX XXXX XXXX XXXX XXXX XXXX, Apartment XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I, XXXX XXXX , am formally disputing several unauthorized hard inquiries that have been reported on my credit file. Upon reviewing my credit report, I discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The following hard inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681b, a company must have my explicit authorization before performing a hard credit inquiry. Since I did not provide consent for these inquiries, they should not appear on my report. 

I have already disputed these inquiries with the credit bureaus ( Equifax, XXXX, and XXXX ), but they have not taken action to remove them. Therefore, I am escalating this matter to the CFPB to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I request that the CFPB investigate these unauthorized inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like a written confirmation of the resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my most recent consumer report it, it has been brought to my attention that XXXX XXXX XXXX XXXX  Account # XXXX, Amount {$17000.00} has violated my consumer rights. 

After review of the Fair Credit Reporting act XXXX XXXX XXXX XXXX has viloated several of my consumer right and also have reported inaccuracies on my consumer report. 

VIOLATION - 15 USC 1692 ( B ) VIOLATION - 15 USC 1681 ( 4 ) VIOLATION- 15 USC 1692F- UNFAIR PRACTICES VIOLATION- 15 USC 1681 ( B ) VIOLATION - 15 U.S.C 1681 ( A ) 5 I, the consumer has reached out to both the original creditor as well as the credit reporting agency on several occasions to recity this inaccuracy. I have also filed an FTC report informing the consumer reporting agencies that I have never held a account/contract or any form of communication with Fair Collections and Outsource. I have requested a investigation also be completed that was not accurtely done. 

Attached you will find several findings based solely off my research as follows : FTC affidavt, XXXX and XXXX letter, ID of consumer, copy of most recent credit report.
Product: Credit card or prepaid card

Tried to call to company on XX/XX/XXXX XXXX got no where. It was an automated system.
Product: Credit card or prepaid card

Recently, in XXXX, I paid off a low balance credit card. XXXX weeks later, I received an email from the credit card that my account was closed. I immediately contacted customer service and asked, why? The representative was rude and refused to answer my inquiry, and just said we closed it and thats it. I asked to speak with a manager and the rep said, no you can not and hung up on me.
Product: Checking or savings account

In XX/XX/2023 I visited XXXX, XXXX from XXXX XXXX, CA. I made a charge at a local butcher shop using my Capital One checking account debit card. In XX/XX/2023, when I was back in XXXX XXXX I saw another charge for the same Capital One account. I disputed the charge within 5 days. 

Capital One now tells me that the card was verified with a chip. This is impossible since I and the card were thousands of miles away at the time.
Product: Student loan

I have been making interest only payments since about XXXX of XXXX. I have applied and been approved twice for interest-only payments and now I try to apply again and they said that I maxed out my 6 months of interest-only payments after XXXX XXXX XXXX XXXX has a job guarantee that has not been fulfilled by them even though I have been doing everything in order to find a job and the terms per the document they gave me during the time I went there was 6 months of job guarantee and could be extended up to a year. I've already been in the job guarantee after graduation for 9 months and the 12 months would basically end around XXXX. The payment started out at {$190.00} per month and now climb Credit which is being serviced by uas XXXX is asking for payments of nearly {$600.00}. I have tried asking if they can work with me to help me lower the payments until I finish the job guarantee because I have a feeling due to the terrible market that I won't find a job in what I studied at that school. I don't want my credit to go bad and I don't want to do a debt consolidation because my credit is currently very good. I want to know what my options are and hiring a lawyer is very expensive. I have emails with uas stating that I have maxed out my 6-month interest-only payments afXXXX XXXX XXXX XXXX points the finger to claim credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I was charged multiple overdraft fees during my years with Bank of America and Im sure theres history in my bank account to verify those fees. There were consecutive feed charged for the same transaction. At times they would charge for one transaction 3x for three days overdraft ( {$35.00} each time ) and this happened multiple times for me. Please go through my banking history and you will see. I believe I am owed repayment for those fees. Also I lost my check that was also paid out from cfpb that was around {$19.00} dollars and something cents. Please check and resend another check. Thank you.
Product: Mortgage

XX/XX/XXXX I begin refi process with Wells Fargo ( WF ), my bank of three decades ( with whom I've had a home mortgage for seven years ) XX/XX/XXXX At the counsel of my WF refi consultant XXXX XXXX, I called WF to take my mortgage out of COVID forbearance ( which WF offered for XXXX XXXX ). The WF consultant I talked to on a recorded line says I can simply roll those back three months into the refi ( FALSE ). She does not explain the consequences of so doing, nor does she follow up with a yes/no question to ask if that's explicitly what I want. After the call, she inputs a code that puts my loan into deferral. 
XX/XX/XXXX Finalizing my WF refi, XXXX XXXX certifies that my mortgage is officially out of forbearance, but advises me -- contrary to what I was told on XX/XX/XXXX -- that I have to pay up those three past  COVID forbearance months because they can not be " rolled into '' the refi. I do so, online, immediately. 
XX/XX/XXXX My refi is denied by WF, due to the " deferral '' code wrongly entered on XX/XX/XXXX ( obviously this was an error -- I would not have willingly chosen a deferral, WF knew I wanted to refi ) XX/XX/XXXX Now begins my official complaint process, to the Office of Executive Complaints, the highest escalation of a WF complaint, case # XXXX. Here are the consequences for me : a ) Although heretofore I have had excellent credit ( XXXX ), I am unable now to refinance with ANY company, as one of my " creditors '' is WF, who says I am in deferral 2 ) The three months of back mortgage payments I made on XX/XX/XXXX have now gone into " suspension '' -- they have not been applied to my mortgage -- in fact since paying them my principal has GONE UP 3 ) This is all due to a " coding error '' WF admits  they themselves made on XX/XX/XXXX 4 ) While I email and call the Office of Executive Complaints every few days, because I am now unclear exactly where my XXXX mortgage stands, as of today, XX/XX/XXXX, I am told the matter is " still being researched, '' with no specific date given as to exactly when this coding error will be corrected. 
XX/XX/XXXX Today : Bottom line -- WF has to take my mortgage out of deferral ASAP and clear my credit so I can complete my refi, either with XXXX XXXX at WF, or elsewhere. Being told " no one is available '' to talk to me on the phone, or that the matter is " still being researched, '' some 24 days AFTER I started the process is I believe actionable. 
Please advise as to next steps. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the XXXX major credit reporting agencies XXXX, XXXX, and Equifax for failing to correct inaccurate information on my credit reports, despite my repeated disputes.

The inaccurate information includes, but is not limited to : 1. Incorrect account dates ( opening/closing ).

2. Inaccurate balances that do not reflect the actual amounts.

3. Payment history errors, including false late payments.

I submitted disputes directly to each credit bureau requesting they investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ). The bureaus responded claiming the information was " verified and updated, '' yet the inaccuracies persist on my credit report, which is unacceptable.

This failure violates the following sections of the FCRA : 1. Section 607 ( b ) : Credit bureaus must ensure the maximum possible accuracy of information.

2. Section 611 ( a ) : Bureaus must conduct proper reinvestigations and delete or correct unverifiable data.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX/XXXX/2024 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a XXXX credit  card account that was opened without my knowledge. Someone used my SSN to open this account and I have complained to XXXX  and EXPERIAN, XXXX multiple times to delete this account from my credit report because I did not open it but till today nothing has been done The XXXX credit card was opened XX/XX/2018 and has a balance of XXXX BANK NAME : ACCOUNT NUMBER XXXX XXXX  : XXXX
Product: Debt collection

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Online Information Services is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

Online Information Services is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request you provide me with proof of this alleged payment being late. if unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ) Please provide detailed description of all procedures used in your process to determine complete accuracy of information once you have finished your investigation, send me an update credit report to the address above
Product: Checking or savings account

I went to the ATM in XXXX XXXX on XX/XX/XXXX @ XXXX AM and the ATM did not give me any cash. I requested {$300.00}. XXXX XXXX said that they have had this issue since the day before and I would have to contact the ATM company. 

I called the ATM company ( XXXX XXXX ) and they would not help me. They say I have to dispute the transaction with my bank. I called Chime and they opened the dispute @ XXXXXXXX XXXX  and closed it the next day at XXXX. They didn't even have time to investigate they just declined and won't tell me why they declined it. I asked them to call XXXX XXXX to confirm the ATM was not working at that time and they didn't
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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: Checking or savings account

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Student loan

I have applied for the XXXX program several weeks ago. I tried logging in today to see if my payment plan is approved but the app is down, the desktop site is down, and I have been on hold for over an hour with no response with customer service. Their lack of response is going to cause me to miss my payment period. I have tried on two other occasions to check progress of the application but the site seems to think they never received my application.
Product: Credit reporting

I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country
Product: Debt collection

To whom it may concern, My Step daughter XXXX XXXX was allowed by a franchised location of XXXX to purchase a new phone under my plan without my consent. For months I was forced to pay the premium insurance charges on my account in addition to the phone line. We I called XXXX and explained the situation they agreed to get that line and the phone out of my name. When the next month came, I noticed the phone was still on my bill. I called to complain and I was informed they could not and would not remove the phone from my name. I decided to move to XXXX. I tried to return the phone however XXXX refused to take the phone back. XXXX would have only help me pay the balance off if there was a number attached to the phone that I was moving to XXXX. Obviously that was not the case. I was not going to allow my step-daughter to have another line under my name. This balance is not my responsibility. I never signed for the phone and I was told it would be removed from my name. Please delete this from my credit.
Product: Checking or savings account

I am charged an overdraft fee tho XXXX not overdrawn. I had a return hit at the same time therefore I shouldnt be overdrawn and should have no fee. Please consult on how to close my Wells Fargo account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INVESTIGATION WAS TO BE CONCLUDED AS OF XX/XX/XXXX XXXX AS STIPULATED BY EXPERIAN, NOW THEY JAVE FRAUDULENTLY STARTED ANOTHER CLAIM IN ORDER TO CIRCUMVENT THE SYSTEM, THE INVESTIGATION WHICH WAS TO BE CONCLUDED AS OF XX/XX/XXXX WAS NEVER RELAYED TO ME AS THE CONSUMER, I HAVE NOT BEEN GIVEN THE RESULTS OF THE INVESTIGATION FROM XX/XX/XXXX TO XX/XX/XXXX, I HAVE NOT BEEN GIVEN ANY PROOF OF INDEBTEDNESS FROM EXPERIAN. THEY ARE ATTEMPTING TO USE MY COMPLAINT AS A MEANS TO OPEN ANOTHER DISPUTE, WITHOUT GIVING ME AN ANSWER AFTER I HAVE WAITED IN EXCESS OF THE 30 DAYS, THE ALLEGED CREDITORS FAILED TO PROVIDE PROOF. I WANT THE STATUS OF MY PREVIOUS DISPUTE. I CAN NOT INITIATE A NEW DISPUTE WITHOUT KNOWING THE STATUS OF MY PREVIOUS DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna or Sears I 've never applied for any type of credit check or whatever this is I signed up for. I 've never been to a Sears in my entire life
Product: Credit reporting or other personal consumer reports

Reporting incorrect personal information : Reporting multiple incorrect addresses on my credit report : The only addresses that should appear on my credit report are the following, all other addresses are incorrect and create a compromise in my report security.. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I only have one name and the credit bureaus are reporting several. The following is my exact name as it should appear on my credit report, all others compromise the security of my credit report : XXXX XXXX XXXX My credit report is showing associated with someone name XXXX XXXX and this should not be the case. My Spouse 's name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My name in Equifax shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in XXXX shows as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My name in XXXX shoes as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My correct name should be as : XXXX XXXX XXXX XXXX
Product: Mortgage

Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged.
Product: Student loan

I set up monthly recurring EFT payments with Navient. After my XXXX payment was processed, Navient charged me again without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXX Account # : XXXX.