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

Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. Your agency signed for a documents on XXXXXXXX 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency. 

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n. 

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 previous addresses and 4 previous employers that are completely wrong. 
Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to Alberts as soon as I saw the charge. They informed me it was a for a genius subscription that I had cancelled on XX/XX/2024. I have gone around in circles with them because they did not cancel the subscription as I asked to do and instead took out money from my account for an investment account and then charged me the fee. This was done via text so they have the history of my conversation. I asked their representatives to make sure there wasnt any other susbscription or that no other monies would be taken from my account and they informed me that I was all set. 

Today, they wont even acknowledge that the transaction was unauthorized or that their representative gave me incorrect info. I spent an hour trying to resolve this and they keep going around in circles. They escalated the issue twice and I still did not receive the requested refund. Instead I had to write back and ask for a status. What I got was that they would close the account but it would take up to 14 days to resolve it. This company is using unfair and deceptive tactics. They lure you in and its an advance and then con you into setting up all these accounts. The worst part is that even after you cancel the services, they go ahead set up the investment account so they could charge you the XXXX for the investment subscription.
Product: Credit reporting or other personal consumer reports

I WAS XXXX  AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

CREDENCE RESOURCE MANA ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right XXXX privacy. '' XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which Is backed by 15 USC 6801 which states '' 'It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those ON customers ' nonpublic personal information. '' XXXX is a financial institution by definition under that title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Avant the financial institution and the Consumer reporting agencies Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX whether it be verbal, non-verbal, written, implied be otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to. a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s-2 ( A ) ( 1 ) A states " 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 ST naccurate. 15 U.S.Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and and to to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX  EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititngt his CFPB complaint to dispute the accuracy of my credit report the Credit Bureaus present. After reviewing my report, I have identified several erroneous and misleading accounts and personal indormation that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that the Credit Bureaus investigate these items and make the necessary updates to ensure that my credit report is accurate. The following items are erroneous and should be investigated and corrected accordingly : These Inaccurate personal information must be investigated and corrected or removed ; Inaccurate Name : XXXX XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX AV XXXX, NY XXXX XXXX As I need the following accounts investigated and corrected as soon as possible : XXXX XXXX Balance : {$9100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}. I would appreciate it if the Credit Reporting Agencies could provide me with an update on the status of my dispute within 30 days as required by the FCRA.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> Wells Fargo Bank sent an e-mail to consumers about a significant data breach resulting in exposing a personal information of the customers ( name, address, dob, phone number, bank account number etc. ). On XX/XX/year> I received a phone call from Wells Fargo bank ( XXXX ) claiming that a severe fraudulent activity was detected on my account and my bank needs my assistance to stop it. I checked right away online, that phone XXXX XXXX is actually Wells Fargo bank. Caller was highly professional and asked me to enter case numbers and codes to reverse fraudulent transactions. caller put me on hold in order to process reversal of fraudulent transactions. After a long time of being on hold, I became suspicious and, while on hold, called from another device to the different bank number. Wells Fargo Bank representative told me that bank did not call me, and three transactions were just processed through XXXX from my checking account. 
Immediately, I submitted the claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to resolve this fraud. 
Despite my attempts to resolve this incident with the bank, it brought no results. 
Wells Fargo Bank was not able to protect my personal information, and perpetrator used it to steal my money. Now, the bank refuses to reimburse my account. 
Wells Fargo left me exposed to the fraud and, truly believe it is my bank 's responsibility to properly protect its customers. We need more protection by banks! I truly believe Wells Fargo Bank must reimburse my account I would greatly appreciate your assistance with this case
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from Santander Consumer on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to Santander and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and Santander advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and have discovered unauthorized accounts and inquiries on my credit report. These items were not initiated by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries : Fraudulent Accounts : 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 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
Product: Payday loan, title loan, or personal loan

I had a loan with Suncoast FCU for my XXXX XXXX XXXX. 
I traded the XXXX XXXX in for a XXXX XXXX. 
I kept the same insurance policy and limits, and just swapped the cars out. 
The limits for the XXXX XXXX XXXX and XXXX XXXX are the same and should satisfy Suncoast FCU requirements. 
The policy number is also the same, from XXXX, so there was no change to notify XXXX XXXX about. 
However, XXXX XXXX began charging me high amounts for not having insurance. 
All they had to do was utilize the same policy I gave them and they would see its always been insured since the day I left the lot.
Product: Checking or savings account

They never sent many any notices in the mail or made any phone calls nor did they email me anything about closing my account and all of a sudden they just shut it down and didnt tell me why and now I might night be able to pay my bills or make it home because Im About out of gas!
Product: Mortgage

1. Wells Fargo arbitrarily prorated seller concessions on its Closing Disclosure to make borrower paid fees appear to be less than what they were. The closer confirmed in an email ( see attached ) the reason they prepare the Closing Disclosures this way is avoid reporting exceeding allowable tolerances and to manipulate the APR. 

2. Wells Fargo did not disclosure all fees on the Closing Disclosure. Wells Fargo charged three ( 3 ) appraisal fees that included an initial appraisal fee, an appraisal update fee, and a final inspection fee. Only two ( 2 ) of these fees were closed on the Closing Disclosure. 

3. Wells Fargo intentionally underestimated our loan payment and closing fees on the Loan Estimate. Wells Fargo re-disclosed ( with no triggering event or new information ) reflecting fees much higher than disclosured when we originally applied for the loan ( though nothing changed ). Cash needed for closing was around {$7000.00} higher and the monthly payment was around {$700.00} higher. 

4. Wells Fargo was deceptive by attempting to make the Closing Disclosure hard to compare with the Loan Estimate as the full fees being charged at closing were not disclosed. They attempted to use a seller credit to make the fees appear to be less than they were. 

5. Wells Fargo is attempting to collect more escrow than allowed ( escrow amounts are known as Wells Fargo has the tax assessment and homeowner 's insurance invoice ).
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX {$4700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting

The bill from XXXX was incurred after equipment was returned to XXXX
Product: Mortgage

I have tried to contact my mortgage company to apply for a forbearance, they don't answer the phone, or return any email or phone messages. When you click on the page on there website, it won't open. They only have one phone number, and don't list a mailing address. I contacted Veteran 's Association, and the suggested that I contact you as well.
Product: Vehicle loan or lease

This loan was paid off by my auto loan directly to Td bank. Td bank made an error as If it was past due. They apologized and fixed the error at the time. However, this is still showing as an inquiry. This is not past due, ever in collection etc. loan was paid off in a lump sum on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Early Warning Services RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( XXXX, or Early Warning ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is not properly updating information and not having accurate removal date and updating removals that should be removed wrong addresses on report and disputes not accurately being investigated or reporting credit card of new credit which lowers my credit score has been the same, I've had to use another source to verify my accurate score and pay out of pocket to get help the experian is not updated as the attachment report I'm sending on here is the accurate information but they keep my credit report in the same condition for yrs.
Product: Credit card

I move to a new home in XXXX XXXX. I had to buy new home office and home furniture and for business I applied for Chase United Mileage Plus card. 

My business card was put on hold due to them requesting my address info and beneficial owner who is my wife, i.e her address info. 

I provided my temporary Driving License which I got online when I applied for change of address with DMV. I also uploaded to their portal my home deed which showed both me and my wife 's name and new address. 

I got second email from Chase again asking for uploading the new address even though the first was very legible without zooming. I called the agent and agent said that the address was legible and the agent confirmed that address looked good. The agent then asked for my wife 's SSN number to be uploaded to proceed with application. This SSN was also added in business application and Chase had record of it. I protested that this is not making sense to request copy of SSN and wanted Chase to send me an email requesting SSN. The agent said they can only send two emails and then they will need to send letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent hard inquiries on my account I didnt consent to pulling my credit XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Debt collection

I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for gas plumbing supplies in XXXX XXXX. The business required payment in full because the items needed to be special ordered. 

I presented my card and signed for the purchase. The items were never delivered and my contacts with the company have gone unanswered. 

I started a dispute with Capital One and they temporarily credited my account. The merchant responded stating that because I signed the charge it was valid and services were rendered. 

I wrote the following, as requested by the bank : To : Capital One Bank From : XXXX XXXX RE : Case number XXXX Merchant : XXXX XXXX XXXX Original purchase date XX/XX/XXXX I made a purchase with this merchant and presented my card for full payment in advance. However, the products werent delivered, this wasnt for a service and there was no cancellation policy relevant because products were not delivered. 
For this reason I would like to reinstate the dispute. 

Respectfully, XXXX XXXX The dispute was reinstated and my account credited again after being recharged. 

I received a letter from the bank stating that since I told them I'm cancelling my dispute, they were closing the case... .I never did such a thing. I contacted the bank via phone and sent them a copy of the invoice and they said they would re-open the dispute because it was coded improperly as services instead of merchandise not received. 

The very next day, I got a notification that the case was closed and I'd have to deal directly with the merchant. 

It is not only Mastercard policy but Capital one 's as well to protect cardmembers in cases like this. 

I spoke to several " offshore '' call centers and they seem more interested in " production '' numbers rather than seriously investigating disputes. 

I would like the assistance of CFPB to reach someone in the bank that will take this matter seriously.
Product: Mortgage

I applied for a loan modification with Ocwen loan. I was approved and all through the process I made sure I was not going to have a balloon payment at the end of my loan. 
They assured me that I was not going to have a balloon payment. 
We paid the XXXX ( XXXX ) trial payments of {$1400.00}. All through the process they assured me no balloon payment on my loan. 
When I received the final modification documents the payment was {$1300.00} adjustable. 
When I questioned them about the modification terms and the balloon payment they told me that theyXXXX decided to put a balloon payment on even through they said they were not going to.. 
Then I refused to sign the modification documents and then they sent me a delinquency notice with payments of {$2000.00}. I sent the payment and they sent it back. 
Please help with Ocwen. They batted me and then switched.