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

I am writing to formally request the removal of an unauthorized inquiry listed on my credit report under my name. I have reviewed my credit profile and noticed an inquiry that I believe does not comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which regulates the permissible purposes for credit report inquiries. The inquiry in question was made on XX/XX/year> by XXXX XXXX  and on XX/XX/year> by XXXX XXXX  XXXX. According to the FCRA, a credit inquiry must be authorized by me or must fall under one of the permissible purposes outlined in 15 U.S.C. 1681b. Since I did not authorize this inquiry, I request that TransUnion investigate this matter and remove the inquiry from my credit report. Please treat this letter as a formal dispute of the inquiry, and I ask that you provide confirmation of the removal of the inquiry from my credit profile as soon as possible, in accordance with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear WF/XXXX  I am filing this complaint a 2nd time with the cfpb because you guys have not taken my identity theft seriously. " you said in your response you contacted your Fraud Department for a reconsideration of your claim. It was confirmed the fraud claim will remain denied as the merchant provided documentation showing the item was delivered to XXXX XXXX XXXX XXXX, XXXX, AK, XXXX, which was the address i resided at during the time of the application ''. i have never resided at XXXX XXXX XXXX XXXX, XXXX, AK I'm attaching XXXX rental leases and a statement from OverWatch Real Estate Management showing where i was living when this fraud took place also in your statement you guys admitted to reporting this account inaccurately to the credit bureaus and that a violations under the FCRA so this account must be deleted from your credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Checking or savings account

I am trying to enroll my account in XXXX  to have my money work for me and Pnc will not allow linking
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX.Account name : XXXX XXXX XXXX Account XXXX XXXX, XXXX.Account Name : XXXX Account # XXXX, XXXXAccount Name : XXXX XXXX XXXX Account # XXXX, XXXXAccount Name : XXXX  Account number # XXXX, XXXX XXXX XXXX XXXX Account Number: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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.
Product: Credit card

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of XXXX XXXX, and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : 1. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of human trafficking.

2. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions.

3. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information.

4. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed.

5. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes.

6. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving human trafficking victims fairly.

7. Trafficking Victims Protection Act ( TVPA ) : This provides protections for victims of human trafficking, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. MIDLAND CRED - 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  Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : Rapid Rescoring : My credit score should be rescored quickly after corrections.

Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data.

Demand for Written Verification : If accounts can not be verified, they must be deleted per FCRA guidelines.

Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage.

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.
Product: Credit card

I try to apply for the Capital One Quicksilver Cash Rewards by Captial One internet site and they do not provide residents from Puerto Rico to apply. I find this discriminatory.
Product: Mortgage

Our insurance is paid through our escrow account and Loan Depot did not tell us that our Homeowners Insurance wasnt paid as of XX/XX/XXXX until the year was over ( in XX/XX/XXXX ). So in XX/XX/XXXX, I purchased insurance. However, in XXXX I was notified that they are charging us an additional $ XXXX a month for a Lender placed insurance for that missing year. 

In XX/XX/XXXX, I called and spoke to XXXX different representatives in the Insurance Department XXXX XXXX, XXXX & XXXX XXXX. They reviewed everything and agreed that no notification was sent to me, so a supervisor sent a waive request to have the charges removed. The last call on XX/XX/XXXX, I was told that they would email me once resolved and that I didnt need to call back for follow ups like I had been doing. I waited, but by XX/XX/XXXX I still had not heard anything back. So I called them again. 

XX/XX/XXXX Spoke to XXXX. Turns out something happened to the initial waive request so another one was sent by the supervisor. They told me they notated the email to that team as Urgent. Spoke to their payment team about only paying my regular mortgage amount but they do not accept partial payments. So now I am struggling to find an extra $ XXXX a month. 

XX/XX/XXXX Called back for a follow up. No update per XXXX, but she said she would ask the XX/XX/XXXX supervisor to send a follow up. 

XX/XX/XXXX Called again and spoke to XXXX, whose supervisor sent another follow up email since there had been no updates. Told me it should be XXXX business hours. 

XX/XX/XXXX I called back and spoke to XXXX. Still no updates and she told me they would call me back once resolved. I told her Ive already done that in that past and it got lost somehow. So she told me to wait XXXX business hours before calling back. 

At this point Im so frustrated and charging me $ XXXX extra a month is stressful and ridiculous when its their fault to begin with. I dont know why this other team isnt getting back to me or why its taking them so long to respond. Urgent emails sent by their supervisors dont seem to matter and neither does their customer service because Ive been dealing with this since XX/XX/XXXX and there is still no response other than for me to wait XXXX amount of time before calling back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : 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 XXXXXXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 


Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Checking or savings account

I was a customer at Wells Fargo for many years. I am XXXX years old. My husband passed and left me money in which I had an account at Wells Fargo. The reason for me closing my account at the XXXX location is that they kept taking money for a XXXX XXXX XXXX XXXX  account that nobody could explain to me but was on my bill. I had no credit card. They also never gave me a regular ATM withdrawal card I had a card that was used on my revolving credit line. So when I tried paying for my groceries and would swipe this card, my daughter finally figured out why I was coming up short of money was because of interest accrued by placing every purchase I made on my revolving credit account. This was the only card I was offered. Several times I went to the bank to meet with them and discuss what I could be doing wrong. Several times they said they would fix my problem. They still send me runs today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report is showing a paid in full item from USBank as a negative item. I called USBank and they do not show they had ever reported the item.
Product: Credit reporting

XXXX XXXX has reported a current bankruptcy on my credit report. I filed bankruptcy in XXXX of 2003. It was a Chapter XXXX and should have been cleared from our credit history after XXXX years.
Product: Vehicle loan or lease

Today I noticed a charge from XX/XX/year> for XXXX for forced insurance, I had submitted insurance for the bank on my camper with my new policy on XX/XX/XXXX, the bank claims that my insurance company stated my insurance was canceled through the XXXX and no longer valid. 

When in fact that the insurance through XXXX  XXXX had been cancelled because XXXX  XXXX had been negligent, I have emailed them a declaration of insurance, I have not received any written notices, emails or notifications stating that they needed me to provide a copy of insurance on my camper, I pay XXXX $ month for my camper, and they charged me almost XXXX $ for insurance which we have full coverage bundled with auto that cost less than XXXX $ monthly. 

I have active insurances, and I always have, I believe they need to refund the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies. 

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.
Product: Debt collection

I am writing this complaint because I was notified via mail of an XXXXXXXX XXXX account that has been placed into collection. This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. My parents have lived in the same house all my life and their address is not the one where the XXXX account was used. I have NEVER had any services with XXXX. As a matter of fact, back in XXXX I was a victim of identity theft and had to dispute a previous XXXX account that was opened using my identity. That dispute was successful. I have reached out to XXXX who is both the original and current creditor, but all attempts at having this account removed have been unsuccessful. I have also reached out to I.C. System Inc to dispute the ownership and inaccuracies of this account with no result. I have attempted to have this resolved many times since first being notified of its existence almost 3 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX and Equifax continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a Sr. Level manager in the customer advocacy department . Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and Equifax as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans Union and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is Trans Union Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

XXXX XXXX XX/XX/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: Vehicle loan or lease

I received my final bill for my lease with Chase Auto Finance sometime toward the end of XX/XX/2018. I called Chase Auto Finance on XXXX and spoke with a service rep, XXXX, employee # XXXX regarding my final bill. The total due was {$690.00}. The letter I had received from Chase indicated that I could call the XXXX number to make payment arrangements, so I called to do so. XXXX was friendly and helpful and advised me that Chase could set up payment arrangements in the form of two payments. One payment, in the amount of {$340.00} would be made that day ( XXXX ) and the other and final payment would be made XXXX. I agreed and made my first payment over the phone that day. He advised that I would receive a call on XXXX to make the last payment. I specifically asked if this would affect my credit in any way and he told me it would not. On XXXX, I was checking my credit report and see that I have a late payment, 30 days past due on my Chase Auto Loan. This  dramatically changed my credit score. Needless to say, I was upset. I called Chase back that day and spoke with employee # XXXX. I explained to her my dilemma. She said, " Well yes, you can set up payment arrangements, but that does not mean that your account wont be past due and will not go to collections. '' I was floored by this. The letter I received initially does say the amount is due upon receipt of the letter, however, it also says " If you have any questions or need to make payment arrangements, please call. '' The letter does not indicate anywhere that although you may be able to make payment arrangements, this does not mean you will not incur late charges or that your account may be sent to collections. Also, when I called to set up the payment plan, I was told this would not affect my credit. If I had known this would be considered late and sent to collections, I would have figured out a way to pay this in full. I feel that I was misled. I had this auto lease loan for three years and never once missed a payment. I paid on time for three years. Also, on XXXX, I did make the final payment of {$340.00}, so this account is paid in full and closed. All I ask is that this is removed from credit report. I have filed a dispute with XXXX to no avail at this point. I just filed another dispute today ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXXl XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an account and experian is saying I am not who I say I am and refusing to look into my complaint even though I have provided all necessary item needed to prove who I am, I have asked them what other proof of identification they are requiring and they have not responded. They continue to use this as their way of not investigating my complaint.
Product: Bank account or service

Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.