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

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. XXXX. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a 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 of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. XXXX. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed filed via us mail on XX/XX/XXXX, disputed opened with XXXX  XXXX. Included in the dispute is a collection account with ICSystem. I also mailed a dispute with ICSystem onXXXX. ICSystem never validated account, and it was deleted by XXXX and XXXX, XXXX refuses to delete. They completed their investigation on XX/XX/XXXX, and continue to report inaccurate information on my report regarding iCSystem as well as other accounts including XXXX XXXX, which should not be listed on my credit report, & Enhanced Recovery, ( whom I've also contacted directly to dispute via US certified mail, and did not receive a response ).
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/scrub>/2025. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry fraudulent and remove from my credit report.
Product: Credit reporting or other personal consumer reports

Found out once I got a notification of payment due by a monitoring company I use. XXXX XXXX allowed my ex spouse access my account via phone in XX/XX/2023 and defer payments for XXXX months. Judge signed decree he's excluded from loan. Nothing in email or mail or attempt to notification of this by XXXX XXXX. My online account was locked, unable to recover account. I finally got a notification about account and it's due. This payment was autopay to one of my bank accounts. Ex spouse had stopped payments to all of his debt in my name. That's a legal issue I'm waiting for garnishments to begin local court order. 
Long story short, after stop payment by former spouse, he withdrew last of funds & closed that bank account that I had. At the time I had 2, one of which he wasn't aware of so no potential access. Called XXXX XXXX advised them I was unaware of this deferred XXXX months, just found out about bank closure. Asked what was due and how quick to pay to avoid credit reporting negative and repo. Advised XXXX due. Asked if I could pay the following week, note account payment to be made by x date. Agreed on that and told no negative reporting unless non payment beyond the date agreed. Flawless credit history never a negative mark. This bank closure without knowledge caused me so far over XXXX in open unused credit lines to be revoked for this 1 bad mark when paid as agreed. Plus another account different creditor who applied payment incorrectly to wrong account of the 2 I had with that company reporting XXXX  days late when it never was, actually paid more than minimum. Anyways due to this 1 bad mark, and another my credit score went down XXXX or so points from never missing payment in XXXX years of building credit. Now two credit lines with 1 creditor closed by creditor even though XXXX balance on one, and XXXX balance on another that I had just put less than a week previous plus XXXX days prior paid off the XXXX balance I did have. In attempt to stop this snowball for wrong reporting, paid off XXXX in debt immediately making several accounts XXXX owed. Lost 2 of my longest cards so lowering credit again as of last week since average decreased by XXXX years from those XXXX yr active accounts gone. I paid as agreed. XXXX XXXX will not allow password recovery online by sending self email. Ex spouse didn't ever have a log in, but accessed and said right things to defer without my knowledge. No notification of said access by mail. I can see exactly why one would say nah I'm not paying just bankrupt make it go away, which can be done due to income however I put my credit above anything else after watching loved ones lose everything from addictions. Same with former spouse also filed previously to marriage, and is soon to file again the one who gained access to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX Inaccuracies among the reported lates between the three bureaus. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX     I went to redeem some points to purchase an   XXXX   XXXX   XXXX    XXXX   tablet . By mistake I entered it twice. There is no page before submitting order to check for correctness or edit anything so I did not realize I had ordered  XXXX  in error. Withi n 5 mi nutes I called the company & they stated it is their policy not to allow returns or refunds & they could not cancel the second order. Now I am out  XXXX  points & receiving  XXXX   XXXX  when I only want & need one. The credit card company is Elan Financial Services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, in vain, it appears to get Sears Citi Executive rep XXXX to fix the inaccurate reporting from my XXXX  credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the Sears correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have Sears correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes have been submitted to the credit bureaus but no resolve for items : Wells Fargo Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The year XXXX I was having issues paying my loan so I called my loan provider to put me on hold or what they call forbearance then during the month of XXXX and XXXX the loan provider did not change my status defaulting on my loan
Product: Credit card or prepaid card

Chase Credit Card XXXX rewards Premier. You get 1 elite night credit for each {$3000.00} in purchases. I made a large purchase in order to receive these credits. Purchase {$12000.00} XX/XX/2018 on the card to get these nights and the total monthly bill was {$14000.00}. They kept send emails to upgrade to the Premier Plus program. It sounds like you get the Premier perks, PLUS more. I upgraded a couple of weeks after the purchase. They have not given me the 4+ Elite nights credit. I called in XX/XX/XXXX and they assured me that it would happen with 8 weeks of purchase. It did no happen. I filled out an online form asking about the Elite nights at Chase.com and no response. I called again a few weeks later, now the aren't sure if I will get them but supposedly they put it in to the promotion dept. to be reviewed. They told me to contact XXXX XXXX. I did, and they said Chase did not give them Elite Nights. On the bill XX/XX/18 - XX/XX/18 it shows the account is st

ill Premier and states the Elite night benefit. ( attached ) The next bill say PLUS.

I could have used another card, but used this one for added nights that I need. They won't respond, and you can't go back the Premier card. It was a misleading promotion. Still, these purchases were made before the upgrade, so the Elite nights should be given. 
Please help them to understand.
Product: Mortgage

The forbearance period ShellPoint servicing is offering I feel does not comply with the recently passed CARE law. 

My understanding is ShellPoint Mortgage Servicing will allow a forbearance of a maximum of 90 days then the full amount owed is do ... 

Hence if your payment is {$1000.00} a month and you miss 3 payments you will owe {$3000.00} after the 90 days.

I do not see how this is helpful? The 3 missed payments should be added to end of the loan not within 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}.
Product: Credit reporting or other personal consumer reports

Applications were made in my name, which has seriously harmed my credit and credit score. I contacted Equifax, and their representative assured me that these fraudulent inquiries would be removed. However, I still see them on my credit report. This situation is causing me significant distress, as these unauthorized inquiries not only damage my credit but also suggest potential identity theft. It is crucial that these fraudulent inquiries be removed from my credit report immediately to prevent further harm to my financial standing and alleviate the XXXX  this situation has caused.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX Wells Fargo Bank Customer Service Subject : Formal Complaint Regarding Unauthorized Account Closure and Withdrawals Dear Sir/Madam, I am writing to formally express my dissatisfaction with the recent closure of my account XXXX on [ XXXX as well as the unauthorized withdrawals that were made from my account without my consent. This action has caused significant inconvenience and financial disruption, and I am requesting immediate clarification and resolution of this matter. 

I have noticed that, following the closure of my account, unauthorized withdrawals were made from my account, which I did not approve or authorize. Such actions may constitute a violation of the California Penal Code Section 484 ( theft by means of false pretense or unauthorized use of funds ). These unauthorized transactions are deeply concerning, and I request a thorough investigation into the matter. 

Additionally, under the Truth in Savings Act ( 12 U.S. Code 4301 et seq. ) and California Civil Code Section 1748.9, I believe Wells Fargo is legally obligated to provide account holders with clear communication regarding account closures, as well as any changes or unauthorized actions taken on the account. To date, I have not received any such notice or explanation regarding these withdrawals or the closure of my account. 

I request the following : A full explanation for the closure of my account, including the specific reasons for this decision. 
A detailed review and explanation of the unauthorized withdrawals made from my account, including the dates and amounts of the transactions.

Immediate reimbursement for any funds that were withdrawn without my consent.

Immediate reinstatement of my account if the closure was executed in error. 
Confirmation that all unauthorized transactions will be reversed, and that my account will be fully protected from further unauthorized activity. 
If this issue is not resolved promptly, I will consider escalating this matter further, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection and Innovation ( DFPI ), and possibly pursuing legal action for the unauthorized transactions and breach of consumer protection laws.

I expect an immediate response and resolution of this matter, and I trust Wells Fargo will take swift action to rectify the situation. 

Sincerely, XXXX XXXX This version highlights both the unauthorized transactions and the account closure, ensuring that both issues are addressed. Let me know if you need anything else added or adjusted!
Product: Credit card

I reported fraudulent charges on my credit card statement to TD Bank in the amount of {$790.00} for XXXX XXXX XXXX XXXX XXXX shoes from XXXX XXXX XXXX XXXX. 
I am XXXX XXXX XXXX and live on a XXXX income in a XXXX XXXX XXXX. I did NOT make these purchases and I did NOT receive these purchases. The XXXX proof-of-delivery statements show that these purchases were sent to addresses ( not disclosed ) in XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  My address is in XXXX XXXXXXXX XXXX which is hours away. 
TD Bank sent me a letter saying that fraud did not occur. I don't understand this determination? They also stated that the transaction ( s ) appear to be authorized/consented by me and that I benefitted from the transactions! 
How is this possible? This was an obvious scam and now I am suffering from the negligence of this bank and it's failure to protect my account.
Product: Mortgage

I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP
Product: Credit reporting

A Credit Collection agency report that I have co signed on loan for XXXX I 've been disputing these charges and filed a police report. The reporting agency only states the debtor stated my name, address and SS # is correct and they consider that enough information to verify it 's my account. They have no documents showing I co- signed for any loan or anything. Just a call verifying my information. I 've had a fraud alert on my account to prevent this fraud and Eqifax continue to allow this false information on my credit.
Product: Mortgage

On XX/XX/year> I received a letter from NewRez that effective XX/XX/year>, my mortgage payment will go from {$1500.00} to {$3800.00}. I called NewRez on XX/XX/XXXX to find out why. I was told that since I didn't pay XXXX XXXX XXXX XXXX XXXX, the company must hold money monthly in an escrow account. I asked to speak to a supervisor, and when the supervisor came on the phone I explained that I have all the records that my taxes were paid. The supervisor suggested that I contact XXXX XXXX XXXX XXXX XXXXXXXX to find out what is going on. I contacted XXXX  XXXX and XXXX  XXXX agreed that my taxes were paid. However, Due to a glitch in the system, it was not recorded properly. I called back Newrez and explained that everything was paid. Newrez told me that XXXX XXXX should send the refund and everything will be reversed and no escrow will be needed in the future. 
I immediately contacted the deputy receiver of taxes of XXXX XXXX XXXX stream and she sent you an email on Tuesday, XX/XX/XXXX, directly to XXXX ( I was CCd ) with a voucher requesting that someone sign in receipt of this payment. 
I have not heard from Newrez when I tried to submit a complaint online the webpage crashes, and on their website I have a balance for the escrow account of {$6000.00}.
Product: Credit card or prepaid card

I received a pre paid card from my employer in the amount of {$25.00} around XX/XX/XXXX. The card has a valid through date of XX/XX/XXXX. I called to get a replacement, and the XXXX   wanted a {$15.00} fee to replace the card! That's 60 % of the value of the card. I called to have them waive the fee and send me a replacement and they refused. The card even says on the front that the 'FUNDS DO NOT EXPIRE '. This is unacceptable that they would charge a fee, and to think they can get away with charging XXXX dollars to replace it is even worse. 

I also had another card which still had {$6.00} which they refused to replace it as it was below the {$15.00} amount they would charge as a fee to replace it. This is practically stealing my money. This second card was given to me in XX/XX/XXXX and has a valid through date of XX/XX/XXXX. This second card also has the 'FUNDS DO NOT EXPIRE ' clearly on the front of the card. This is extremely misleading and leads you to believe getting a replacement card will be absolutely no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.