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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX XXXX, they blocked my account on COINBASE, They asked me to send documents confirming my identity, and I did so. However, later, they sent me an email stating that the documents were not satisfactory, and they provide me with no solution. There is no contact email or support available. There is no way to verify my identity, and they have kept all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Product: Checking or savings account

I received an email at XXXX on Tuesday XX/XX/XXXX stating my Bank of America Checking account had been overdrawn. 

Upon logging in to my checking account I noticed that there were not 1 but 5 overdraft fees for the amount of {$35.00} each. 

I was immediately connected to a customer service ( XXXX ) representative who instantly placed me on hold for about 20 minute returning only to say she could refund 1 fee. 

I asked to speak with her supervisor ( XXXX ). He explained that my account was set to notify me when my account was below {$25.00}. 

Without being notified my account Had {$820.00} and ended up with - {$500.00}. 

A NEGATIVE BALANCE IS UNDER {$25.00}. Bank of america disagrees. 

Upon being notified I immediately transferred {$1300.00} into my account to help resolve the situation. 

Being a BOA customer since 2004, they still said there was nothing I could do and this was my fault.
Product: Debt collection

Yes Finance and Sure Finance of XXXX MO are still contacting me after I dropped off signed cease and desist letters. They are still calling my family and friends as well. They tell me I have to pay {$800.00} each or they are going to sue me. I live on social security. I was trying to pay what I could afford and now I am down to either paying them or eating.
Product: Mortgage

I refinanced my home in XXXX with Wells Fargo. 
XX/XX/XXXX, I received a letter from WF that stated during a review of the Wells Fargo account, we identified that we may have approved a loan that did not provide a sufficient or tangible benefit during the origination of the account. As a result, we are enclosing a check for {$720.00}. Please cash or deposit at your earliest convenience XXXX XXXX XXXX  XXXX I called WF upon receipt of this letter. Having looked up the laws, I knew that this was pertaining to the FHA net tangible benefit rule. Research has shown that I am entitled to my closing costs plus interest because there was no net tangible benefit from this refinanced mortgage. Customer service told me that I could request mediation via a paper document sent to me in the mail to inquire about how the amount of {$720.00} was reached. They said the form would arrive within 30 days.

My closing costs on this loan were {$1200.00}. I believe that {$720.00} is too low.

The form never arrived. I called back over 60 days later. A WF rep confirmed that the form had not been sent and assured me that she had expedited another one that would arrive within XXXX weeks. 

After XXXX weeks, I called again. This time I was told that my issue with Wells Fargo is not eligible for mediation and that is why I never received the form. When I asked for the calculations behind the check I received, I was given vague language this amount is a portion of your closing costs plus some interest. 

I believe I am owed more than {$720.00}. Wells Fargo will not provide any calculations and told me that I have no further recourse to request this information.
Product: Credit card

On XX/XX/year>, I tried to purchase {$30.00} of gasoline from a local gas station using my American Express credit card but the card was declined, despite having more than enough credit to cover the purchase. Thinking it was an issue with that particular gas station, I went to another gas station and attempted use the card there to purchase {$25.00} of gasoline but the card was declined there as well. I contacted American Express customer service and was informed that they place a {$100.00} hold on any gasoline transactions. When I asked why they were placed a hold that is 3 times what I was purchasing and when that policy was initiated, the representative got antsy, and refuse to answer the question. when I got home, I checked my American Express account to see if there had been any notifications about this change and I never received one regarding this policy. he also could not verify when the hold would drop off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly where I am shown as an authorized user on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, today 's date is XX/XX/XXXX. I've previously submitted documents to Transunion on both XX/XX/XXXX and XX/XX/XXXX starting my complaints of inaccurate information on my credit file. It has been 45 days and I have yet to receive any updates, or seen any changes made to my report. I '' am in the process of trying to purchase a car and the lack of action taken is holding me back from doing so. I would greatly appreciate your assistance in regards to this matter. Thank you.
Product: Mortgage

{$110.00} late fee assessed on my mortgage payment. After 7 years without a missed/late payment, this company would not offer me a one-time courtesy after this perfect payment record. I spoke to " XXXX XXXX '' a customer service manager who was arrogant. Then I spoke to " XXXX XXXX '' in the corporate office who refused to give me the president 's phone number. ( His name is XXXX XXXX ). I wanted to speak with him directly, but was not allowed. Their stonewalling and indifference were very unprofessional. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on Experian that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXXXXXXXXXX XXXX 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 XXXX. reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU HAVE A BLESSED AND HEALTHY FUTURE
Product: Debt collection

Dear CFPB, This is new information regarding this negative account that this company is reporting on my credit profile. Please have this forwarded to the Registered Agent of XXXX XXXX XXXX for accounts : XXXX Please review all documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many many times explaining to Experian and speaking with the special handling department explaining that these are fraud accounts and inquiries they have not done anything to delete these things from my report. Please help me get this issue resolved once and for all. Please review the attached information and delete this information.
Product: Credit card or prepaid card

I have unemployment card with US Bank Reliacard and they randomly lock my card I sent them my ID Ive been calling every day every time I call I get different stories no help they very rude I wrote down every conversation and recorded every conversation they unprofessional bad enough I have to wait to get approved for my unemployment and now my card locked im behind on bills I have a 15 day evection notice they dont care I cant get no help sincerely unhappy XXXX
Product: Credit reporting or other personal consumer reports

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 a account without my written instructions XXXXXX/XX/XXXXI DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I'm shocked! What do I have to do right now?/
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that a companies are reporting on my credit report that is not mine and my information is inaccurate. I believe your company is mixing my identity up with someone else or someone has stolen my identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized auto loan open in my name XXXX XXXX XXXX. XXXX, XXXX amount XXXX unauthorized credit card I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.
Product: Mortgage

On XX/XX/XXXX I received a bill from my Mortgage lender that my Escrow account had a shortage for over {$1400.00} plus an extra monthly payment that will begin on XX/XX/XXXX. 
I reached out to the bank right away and was told that the increased was because of the taxes and insurance and I said to the representative that the taxes from last year to this year had an increased of {$110.00} and the insurance increased was {$55.00} how did that equate to over {$1400.00} plus an increased in monthly payments and I was told that those are the payments. 
One of the reason why I chose to pay a " Bundle '' meaning Mortgage, Taxes and Insurance per month together was because I didn't want to get burdened with a sudden hefty lump sum of Taxes and Insurance payments, now I have great concerns that I am paying out double payments and eventually will have difficulties making the payments moving forward.
Product: Money transfer, virtual currency, or money service

Hello! I used PayPal as a place for my tiny business and XXXX  streaming! My account was permanently limited and when I called them they told me there was no reason for it and to make another account and it should be fine! I then continued to make another account and that one was also limited so I made a business account called PayPal and they reassured me everything looked great on the account and not to worry and it was permanently banned AGAIN when I called I talked to a supervisor and they said they could do nothing and wouldnt give me a reason to why they banned my account and said it was irreversible! PayPal was a huge part of my life as silly as that sounds but I needed it for donations and other transactions
Product: Checking or savings account

I was incurring account maintenance fees with Wells Fargo. I walked to my local branch and the banker I worked with waived some of my fees. I was informed that in order to receive those waivers, and to continue receiving waivers, I had to open 2 additional accounts. Some time later I went to work for a different financial institution and learned that this was cramming; opening accounts that I did not need. I incurred maintenance fees on accounts that were opened under false pretenses.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns with the mishandling of Zelle and the leading cause of issues with consumers. Zelle failed to investigate my issue and no closure was reached or even discussed The neglect and mishandling is unjust and leaves individuals open to constant harassment and vulnerable to more serious issues with no protection I was left to fend for myself and pay out of pocket over XXXX $ due to the mishandling and mismanagement of Zelle and others involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient  Student  loans various accounts on my credit report.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY REVIEWED MY XXXX, XXXX, TRANSUNION, CONSUMER REPORTS AND IVE NOTICE FRAUDULENT NAMES, ADDRESSES, PHONE NUMBERS, HARD INQUIRES, EMPLOYERS. ACCORDANCE WITH USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE NAMES ETC TO BE REPORTED ON MY CONSUMER REPORTS. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WY XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE FRAUDULENT ITEMS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached TransUnion and XXXX still reporting a deleted account from XXXX and theyre reporting my privacy without my written wet ink signature of consent. 

Pursuant FCRA 623 ( a ) ( XXXX ) which says furnishers of information have a duty to correct and update information, it also says they must notify " CRA 's '' of any corrections to the information that they initially reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputedaccuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regularly check my credit reports and noticed that Transunion is now reporting a debt that is over 15 years old with the last activity on the account in XXXX. I previously had to dispute this debt when the previous collection agency tried to add it to my credit reports in XXXX, when it was already over nine years past the credit reporting limit. 
A new collection agency, XXXX XXXX XXXX, apparently purchased the account and is illegally trying to " re-age '' the debt, stating that it is four months old, rather than more than 15 years old. No date of last payment, date of last activity, or other pertinent information is included-just an amount and the illegally " re-aged '' date of four months ago, even though the account is older than 15 years ( well over the 7.5-year credit reporting limit ). 
I'm not sure how or why Transunion allowed this, but I am submitting this complaint in order to get them to immediately remove this illegally re-aged account. I am currently in the process of applying for a mortgage and my XXXX credit report shows a soft inquiry from XXXX XXXX XXXX within the last month. I'm assuming they are trying to re-age the debt in hopes that I am not familiar with the laws and using this scare tactic to try to force payment of an illegally re-aged account.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been dealing with Ocwen loan services on my mortgage. When I modified my loan back in 2010 I made XXXX separate payments of {$20000.00} totaling $ XXXX. They lost all records of this and now forced me into an arm loan that I was not aware of and my payment has gone up {$1000.00} more a month. I can not afford this and I have lived here for 13+ years. I have tried working with Ocwen but their only option is another modification that will force me to open another 30 year loan and add on more interest. I am disgusted with their work ethics. Not one person there will answer my questions but everything is scripted answers. When they sent me the agreement in 2010 that was filed electronically I specifically said and to the rep and they agreed my payment would stay at {$2200.00} for the life of the loan. It has not and has increased 2 different times
Product: Credit reporting, credit repair services, or other personal consumer reports

This company CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX added to my credit report a XXXX debt with XXXX on XXXX XXXX that debt was settled with XXXX more than 9 years ago. they added this item knowingly, just to hurt my report. 

Thanks!!
Product: Credit card or prepaid card

AFFIRM INC has a card opened in my name, using my social, that is not mine. It is a fraudulent account. I found out about it when late payment began showing on my credit report
Product: Credit card

I believe the account is invalid. CAPITAL ONE needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ONE XXXX