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

Dear CFPB, XXXX, and Credit Bureaus, I am writing to formally dispute the recent changes in my credit report related to my mortgage account with XXXX XXXX XXXX XXXX ( XXXX ). I have attached all relevant documents and screenshots to support my dispute. 

Details of the Dispute : Mortgage Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : Incorrectly reported with added interest, causing an inflated balance. 
Payment History : I have made all required mortgage payments on time, as shown in my payment history. There have been no missed or delayed payments. 
XXXX XXXX Impact : On XX/XX/XXXX, my Experian credit report showed a six-point decrease in my XXXX score, with the explanation that the balance on one of my accounts increased by {$7300.00}. This is incorrect and unjustified, as the increase appears to reflect interest or other charges that do not accurately represent my mortgage balance. 
Incorrect Reporting of Loan Balance : The balance reported on my credit file has been increased without any justification. This negatively affects my credit score and financial standing.

Impact of the Errors : The errors in reporting have caused a drop in my credit score, which can lead to unfavorable financial consequences such as higher interest rates, reduced creditworthiness, and limited access to credit. 

Requested Action : Investigate the reporting of my mortgage account and correct any inaccuracies, particularly regarding the loan balance. 
Ensure the payment history reflects the accurate status : no missed or late payments. 
Update my credit report across all credit bureaus to reflect the correct balance and restore my credit score. 
Provide written confirmation of the actions taken to correct this issue. 
Supporting Documents : Screenshots of my account showing on-time payments and accurate balance. 
Experian credit report highlighting the discrepancies and credit score drop. 
Mortgage payment receipts. 
I request an expedited review of this dispute and expect a response within 30 days as required by law. Please do not hesitate to contact me for additional information. I appreciate your prompt attention to this matter. 

Also on XX/XX/XXXX, my XXXX added information to my XXXX credit file for a third time after the mortgage which made, my score dropped significantly from XXXX to XXXX and never went back up again. 

This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. XXXX lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior. 

Requested Resolution : A thorough investigation into why my XXXX credit score dropped by over XXXX points on XX/XX/XXXX. 
Immediate correction of any errors or discrepancies in my XXXX credit report.
Product: Credit reporting or other personal consumer reports

company XXXX XXXX  account number XXXX It is have already more than one year since I became victim of identity thetf. Since that time I sent all necessary documents to credit bureaus and ask to investigate and remove fraudulent account from my credit report. I am losing my patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court. remove this incorrect information at once and send me an updated copy of my credit report. I also request that you please send notice to anyone who received my credit report in the past XXXX months. Also please find attached my DL, SSN card and bill statement
Product: Mortgage

( I AM REQUESTING THAT THE CFPB FORWARD THIS COMPLAINT TO THE FTC AND OR OTHER AGANCIES THAT CAN INVESTIGATE WELLS FARGO BAD FAITH ACTIONS AGAINST ME, AS TRYING TO WORK IT OUT WITH WELLS FARGO HAS HIT A STAND POINT. ) I have made several complaints about Wells Fargo as they have done multiple things of bad faith to me.

I believe Wells Fargo had overcharged me and forced a modification on my mortgage that increased the principal balance by almost {$19000.00}.

I belive Wells Fargo charged me way to much in overdraft feees on my Business Checking and Savings accounts and talked me into opening accounts that were free of charge that I did not need only to charge me a monthly fee a few months later for those accounts.

I believe Wells Farfo charged me way to much in ATM Fees and made it hard to pay my college credit card account as interest spiled on it.

I believe Wells Fargo opened accounts without my knowledge. I believe Wells Fargo sent me to mediation for the modification like I requested but they controlled the mediation in a way that they didn't want to hear anything but what they already knew they were going to say. Told me that I would have to talk to a different part of Wells Fargo that mediation with them was just about attorney fees for the modificationm.

After complaining to the CFPB about Wells Fargo, Wells Fargo transfered my loan to Saline Finacing LP which was very unethical to do as I believe they only closed down customers accounts and transfered loans mostly for those customers who made complaints or for those who got a settlement.

( EVERYTIME I MAKE A COMPLAINT TO CFPB ABOUT WELLS FARGO, WELLS FARGO KEEPS RETURNING A GENETIV RESPONSE MADE BY THE SAME GUY IN THE EXECUTIVE BRANCH OF WELLS FARGO. HIS NAME IS XXXX AND HE DOES NOT CARE TO SEE ANYTHING ANY WAY BUT HIS OWN WAY. ) WELLS FARGO HAS DONE A LOT OF BAD FAITH ACTIONS TOWARDS ME IN THE LAST 9 YEARS AND DONE HARDLY ANYTHINH TO RESOLVE THEM EXCEPT SELL MY MORTGAGE LOAN TO ANOTHER COMPANY AND LOW BALL AS MUCH AS THEY CAN ON SETTLEMENTS THEY WERE FORCE TO PAY. ) I DO NOT WANT TO SPEAK WITH WELLS FARGO ANYMORE I WOULD LIKE THIS COMPLAINT FORWARD TO THE FTC AND TO WORK WITH THE FTC OR OTHER AGANCIES THAT WILL INVESTIGATE WELLS FARGO FOR THE ACTIONS OF BAD FAITH THEY HAD DONE TO ME OVET THE LAST 9 YEARS.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on XXXX XXXX Late 60 Days. 
The Payment Status for this account on XXXX is Late 30 Days. 
The Payment Status for this account on Equifax is Current.

This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Zelle authorized this transaction without my consent.I did not know the receiver of the funds.I was told I would be refunded and I still have not yet heard or received any returned funds.I am to formally express my concerns regarding Zelles 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 unfeasible. The CFPBs findings indicate that Zelle 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Product: Student loan

I graduated from XXXX XXXX XXXX in XX/XX/XXXX and I started paying my loan shortly thereafter. Navient claims I started paying my loans on XX/XX/XXXX. My husband called Navient and asked them how the balance on my loans now after 20 years of monthly payments be more than the original. He was told because the loan had a forebearance. 
I hope you would investigate these claims because the monthly payment is due to increase to {$410.00} in XX/XX/XXXX. I hope this could be resolved by then. 
Navient recently sent me a letter saying that since I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to my loans. 
There hasn't been a natural disaster in my area for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and address concerns regarding the way the American Express Platinum Card ( ending in XXXX ), for which I am an authorized user, is being reported on my credit reports. Additionally, I kindly request that my authorized user status and membership start date be accurately reflected, as these details are vital for maintaining an accurate credit history. 


As an authorized user on the shared Platinum Card with my wife as the primary cardholder and my daughter also being an authorized user, it's crucial that the credit reporting accurately represents my association with this card. I highly value the unique feature of the Platinum Card- the absence of a traditional pre-set spending limit. This aspect offers unparalleled flexibility, making it essential that the credit reporting accurately reflects this for both primary cardholders and authorized users. I kindly request that the reporting clearly communicates that this card operates without a predetermined credit limit, as it's one of the standout benefits of the Platinum Card. Presently, my utilization appears inaccurate and incorrect. 


Furthermore, I've noticed that the recorded membership start date for my authorized user status isn't precise in my credit history. An accurate representation of when I became a member is essential for a detailed portrayal of my credit journey. I respectfully request that you verify and rectify this date to show a more accurate depiction of my credit history. 


While I understand that errors can sometimes occur, I want to emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA mandates that credit reporting agencies and creditors, such as American Express, handle disputes with precision and impartiality. I kindly request that this dispute be managed fully in line with the FCRA, with any necessary corrections made within the stipulated time frame. 

I request that my credit report be updated to all credit reporting agencies. 

Thank you for your time and attention in addressing my concerns. I genuinely value my relationship with American Express and believe that through collaboration, we can successfully rectify these matters. The goal is an accurate and equitable representation of my credit history in connection with the distinctive features of the Platinum Card.
Product: Credit card or prepaid card

I was given a {$100.00} XXXX XXXX XXXX XXXX XXXX purchased from XXXX in the XXXX, Ohio area. This card was loaded on XX/XX/XXXX. I registered the card online at XXXX on XX/XX/XXXX and learned that it had only a {$1.00} balance on it. I called the customer service number on the back of the prepaid gift card XXXX and they told me that this card was used prior to my registration of the card at two XXXX XXXX XXXX. One in XXXX XXXX, California and then at XXXX, California. One purchase was {$43.00} and other was {$55.00}, these total {$99.00}. The customer service said this happened due to a breech in XXXX 's systems where in these gift card information was stolen. However, the customer service said I had to fill out a " dispute form '' to get my {$99.00} back. I asked them shouldn't they fill out the " dispute form '' as they are the ones with all of the information noting that I am the one with the physical XXXX XXXX XXXX  XXXX. They said their requirement was that I complete the " dipute form ''. Further, their investigation might take up to 90 days and even if successful they would then mail me a replacement. I question why I should have to wait 90 plus days when the customer service people are well aware of this fraud and should be replacing my {$99.00} immediately?
Product: Credit reporting

Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked.
Product: Checking or savings account

On XX/XX/XXXX, I used my Chime app to authorize a {$1000.00} transfer from my personal checking account at another bank into my Chime checking account. This transfer was from an account I had previously linked to Chime and had used to make multiple transfers from my other bank account to Chime, which I use as my primary saving 's account. 

On XX/XX/XXXX, Chime emailed me to say that due to unusual activity on my account, security measures were in place that would limit my ability to use or transfer my funds. I have received multiple emails from Chime requesting various documents to verify the deposit and my identity. Each time I have submitted additional documents, I have received an email reply that the documents were insufficient and Chime needed different supporting documents to resolve the limits placed on my account. 

I have requested multiple times to speak with a representative who can explain to me what specific issue has occurred and why the provided documentation has been insufficient. Instead Chime has sent more email communication explaining that they will not resolve the issue until the additional documentation is provided. 

I have provided Chime with the following documents to try to clear the limits on my account : 1 ) front and back copy of my PA driver 's license and change of address card ; 2 ) recent transaction register from my non-Chime checking account, showing the {$1000.00} transfer to my Chime account authorized on 2/13 ; 3 ) a pay stub from my employer ; 4 ) a selfie of me holding my PA license and a paper with my name and the date ; 5 ) my last available bank statement ; 6 ) a letter outlining the source of the deposited funds and my reason for depositing the funds ; 7 ) a copy of my signed social security card, with all but the last four digits redacted to ensure this information isn't compromised, and because Chime already has my full SS number and has used it to verify my identity on customer service calls.

Chime has refused to provide additional information about the initial issue or the reasons the verification I provided has not cleared the security measures from my account. Chime has currently limited my access to the over {$8000.00} in my account to increments of no more than {$100.00} for credit and debit transactions, and has shut down my ability to transfer money in or out of the account at all.
Product: Debt collection

They are charging interest on Medical Debt. The original creditor which is a health care provider/ Hospital/ Clinic does not charge interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Quicken Loans on XX/XX/XXXX to get a preapproval for a mortgage. They asked me to run me and my husband 's credit which I agreed to. The person I spoke to XXXX, gave me the credit scores for both my husband XXXX and I. 

On XX/XX/XXXX, I called for a follow up, to get the details of what I was preapproved for. XXXX said he would call me back, later he called me back to tell me that my Debt to Income ratio is too high. He did not notify me that he ran my credit. 

On Monday, XX/XX/XXXX, I checked my credit report to see that a hard inquiry was on my report for XX/XX/XXXX from XXXX XXXX a duplicate from the XX/XX/XXXX inquiry. 

I called XXXX XXXX and they said that they can see Quicken Loans requested it, and I could call Quicken Loans for a deletion letter so they could take off the second inquiry. 

I called Quicken Loans and left a voicemail for XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 the tracking of lost funds was impossible and that tracking these funds was infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but a have allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and it is a COMPLETE mess, now I know that you have MILLIONS and MILLIONS of files to deal with and that is a lot to handle, and mistakes will happen. But C'mon people there are some pretty egregious errors on this thing. Now I am sure you have heard of the FCRA, you are bound by it, so here goes. I am demanding you VERIFY everything that I am disputing on this credit report that is inaccurate. 

Please verify the following information on each of the accounts that I am stating here. 

1. Balance : 2. Credit Limit 3. Payment Status 4. Last Reported 5. Past Due TRADELINE :, 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8.  XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11.  XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14.  XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX XXXX 18. XXXX XXXX As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.
Product: Mortgage

My name is XXXX XXXX. My brother submitted a complain earlier today. I also want to file a complain against XXXX XXXX, and XXXX XXXX ( real state agent ). She also convinced me to apply for a mortgage in XXXX. She ran my credit, and told me I didnt qualify. Why does she need my social security number when she no longer has a loan originator license. Her XXXX license number : XXXX. XXXX also asked me to drop my taxes to her house. Her address is : XXXX XXXX XXXX XXXX XXXX XXXX. Why would she asked me to drop my taxes? all personal documents need to be secured according to federal rules. Does she think rules do not matter? Her license was taken away and she still does this with the help of her husband, XXXX and now XXXX XXXX. She wants to triple dip and take advantage of costumers like me. She lied to me, and now has all of my personal information. 

Also her current address is a home her mom bought with XXXX  in XXXX but never moved in. In other words, XXXX lives there with her kids and husband and the mom committed residence fraud. 

Why does this keep happening? Why cant we trust that you guys will do something about it this time? First it was my brother, then it was me. I can not imagine how many others are out there believing her lies.
Product: Credit reporting or other personal consumer reports

I am formally disputing the failure to update and maintain accurate personal information on my credit report. Despite providing the necessary documentation to correct my name and address, Experian has failed to make the updates and has now removed my address entirely. 

Experian initially updated my address on XX/XX/year>, but later deleted it, leaving my credit report without an address. I have attempted multiple times to correct this, following Experians instructions to upload proof of identity, including valid documentation. However, I was then told that no uploads exist, and Experian has refused to take further action. I have also encountered the same issue when trying to update my name. 

This pattern of failure aligns with the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( Case XXXX XXXX  ), which highlights Experians systemic issues in handling consumer disputes and improperly updating consumer files. Specifically, the CFPB has found that Experian : Fails to properly process consumer disputes and document submissions. 
Routinely disregards legitimate consumer- provided evidence. 
Provides misleading dispute resolutions without clear justification.

Experians failure to update my personal information violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Denying my ability to update my own identity and address creates unnecessary obstacles and negatively impacts my financial standing. 

I formally demand that Experian immediately update my credit report with the correct information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I have attached proof of identity and address once again. If Experian continues to fail in addressing this issue, I will be left with no choice but to file complaints with the CFPB, Federal Trade Commission ( FTC ), and other regulatory agencies for noncompliance with federal consumer protection laws. 

Please confirm the correction of my records and provide a written explanation of Experians previous failure to process my updates. I expect a resolution within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Last month in the beginning of XXXX my synchrony bank account got restricted. I guess I was using my money to fast. I called and reported that Im the one using my account its me. No one else has access to my account but that was ignored and was placed on hold. Its XX/XX/XXXX. Its been one month that the bank has held my funds. Yes I called multiple times. But was givin the same answer. Thats its under review. Thats all I am told. Ive missed work for three weeks now because of this. I called yesterday and was still givin the same response. Im still waiting and still not able to complete my daily duties because of this.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXXXXXX 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