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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct these errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The rights to have inaccurate information corrected promptly. ( Section XXXX ( XXXX ) ) The rights to a reasonable investigation of disputed information ( Section XXXX ( XXXX ) ) The right to receive written notice of results of the investigation ( XXXX ( XXXX ) )
Product: Credit card

for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following acounts are not mine. 

WAKEFIELD & ASSOCIATES Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Mortgage

This company going back after 25 years saying I don't pay this loan I paid it in bankruptcy. XX/XX/year> they trying to flosure my house .the are going up under the first co XXXX XXXX XXXX  which the Franklin credit
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Arbitration Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX for XXXX reporting of inaccurate information to consumer reporting agencies while an arbitration proceeding is pending. XXXX XXXX 's actions are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to report inaccurate information regarding my account to consumer reporting agencies while arbitration proceedings are ongoing. This action violates my rights under the FCRA ( XXXX XXXX. XXXX ), which mandates that furnishers of information ensure the accuracy of reported data. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is prohibited from taking adverse actions such as reporting inaccurate information during arbitration. Specifically, Rule XXXX ( Preservation of Status Quo ) and Rule XXXX ( Interim Measures ) are clear that no actions should be taken that could undermine the fairness of the arbitration process. Violation of XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. XXXX and XXXX of the XXXX XXXX XXXX, arbitration agreements are binding, and any actions, such as reporting inaccurate information, should be stayed until arbitration has been resolved. I am requesting that the CFPB investigate these violations and take appropriate enforcement actions against XXXX XXXX. I am also requesting that the reporting of inaccurate information to consumer reporting agencies be immediately halted while the arbitration process is pending. Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these unlawful practices. Sincerely, By : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX  )
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear EQUIFAX, XXXX, AND XXXX ], I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX All Rights Reserved
Product: Debt collection

In XXXX, I purchased XXXX XXXX XXXX and covered that property with a homeowners insurance policy administered by USAA. The home was sold in XXXX, XXXX and USAA was informed. Unbeknownst to me, USAA maintained coverage on that property and charged me monthly premiums. I did not discover that they were double billing me for property insurance until XX/XX/XXXX. So, I immediately called to confirm and cancel the insurance. They verified sale of the home and stated that I would receive a refund for all payments ( without interest ) within 30 days. I called on XX/XX/XXXX to check on the status of my refund. The call taker stated that my backdating was under review and again stated that the process could take up to 30 days. I did ask for confirmation about how much was due and she stated that she was unable to confirm the amount. On XX/XX/XXXX, I still had not received payment. So, I called at XXXX to check the status since the delay was now beyond the promised 30 days. This caller stated that XXXX ) the XXXX refund had been applied to my other insurance products without my consent because the DOI requires this, and XXXX ) despite requiring remission to other policies, she could have that rescinded upon my request. This makes no sense because I, as a consumer, have no authority to contravene a supposed law, should one actually exist. Furthermore, she stated that once the XXXX and XXXX policy years had been approved ( which they still had not, beyond their 30 day deadline ) she could have paper checks issued in XXXX billing cycles. USAA has been digital for nearly XXXX decades and I have several bank accounts with them. USAA has been fraudulently and deceptively holding my funds without disclosing the full due amount and without a clear process for returning my interest free loan.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX  data breach and someone may have gotten my information.
Product: Mortgage

Well Fargo refused to remove PMI from my mortage even though I only owed 10 % of the principal. They said this was due to me missing a payment but I haven't missed a payment, I used their offer to defer a payment due to COVID hardships. They considered this a missed payment and refused to remove PMI. This prompted me to go ahead and pay the final principal amount. Once the mortage was shown to be paid in full Well Fargo charged me a double PMI payment of {$250.00}. How can we hold these fraudsters accountable?
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

A fraudulent collection notification was placed on my credit report by Credence Resource Management ( XXXX ) for a charge of {$300.00} from XXXX. I contacted all three credit reporting companies and was told to contact the collections agency. When I contacted Credence, I was told to provide an address or the last four digits of my SSN. When my address couldnt be confirmed, I was asked for my last four digits of my SSN. When I would not provide the info., the male rep. became annoyed and told me he was citing in notes that I was unwilling to provide information.
Product: Credit card

I completed one of the many offers that Wells Fargo has repeatedly solicited. Aware of XXXX XXXX troubling history of discriminatory practices and credit denials, I included a letter with my application outlining specific expectations and lawful requests for transparency. I clearly stated that I would file a formal complaint if my requests were not addressed. 

On XX/XX/year>, I mailed my application for the Wells Fargo Reflect Visa Card along with this letter, using mail tracking number XXXX. On XX/XX/year>, I received a letter from Wells Fargo dated XX/XX/year>, denying my application with the vague explanation : " We no longer offer credit on the terms for which you applied. '' This explanation completely failed to address my lawful request for a detailed breakdown of the factors, criteria, and data used in their decision. I requested this information to ensure compliance with the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ), including confirmation of good faith and consistency in evaluating my application. 

Despite my efforts to resolve the issue directly with Wells Fargo, they have refused to provide the requested information or reassess my application. Their lack of transparency and failure to comply with these laws have caused me financial Injury due to higher-cost financing options, reputational injury with other financial institutions and emotional Distress, including anxiety and frustration.
Product: Credit card

I never received my monthly statement for the billing cycle, and I missed my payment. My credit dropped by XXXX points for this one time missed payment.
Product: Checking or savings account

I maintain a Truist bank account ( truist.com ) with a balance of USD XXXX. Unfortunately, the bank has restricted my ability to withdraw or transfer funds. Upon contacting the bank, I was informed that my account is considered dormant due to a lack of overall transactions. However, it's worth noting that there are monthly transactions from my app store accounts, specifically from the XXXX XXXX and XXXX XXXX, where my app sales revenue is deposited into my Truist bank account.
Product: Credit reporting

Some credit agencies have my address as a XXXX address. That is not my address that is my fathers address. Mine is XXXX XXXX not XXXX. I 've attached proof of identity and address. My drivers license
Product: Debt collection

XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! 
They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open
Product: Mortgage

Dear Sir/Madam, I had two mortgages with XXXX XXXX since XX/XX/2021. I had set up the automatic payments on XXXX XXXX  online portal. The payments were always on time to pay monthly. But at the end XX/XX/2021, I found out that in my checking account there were no transactions for mortgage payments in the last few months. So I called XXXX XXXX  and was told my two mortgages had been sold to Suntrust Banks in XX/XX/2021. 
So I called Suntrust Banks and made the missed payments on the same day when I found out the mortgage sale. When I made the payments, I asked the Suntrust representative if these late payments would be reflected on my credit reports. I was told that it should not be since I have made the payments, but if anything showed up on my credit reports I could file a dispute with Suntrust and Suntrust can help me to resolve it. So I filed a dispute anyway to avoid any negative impact on my credit, but recently Suntrust denied my dispute. I felt it was so unfair to me because I had never seen any notices about the sale of my mortgages. Suntrust told me they mailed me and even called me and left a voice message about the sale of my mortgages, but I have never received such a message from Suntrust. In the past 15 years I have never been late on any credit card payments and any mortgage payments. My credit score was always excellent, but now since the several late payments were reported on my credit report, they hurt my credit very badly. Both Previous mortgage company and Suntrust banks have all of my contact information ( including my email, mobile phone ), I am questioning if they did their best diligence to inform me about the sale to avoid late payments. 
I have paid the late payment fees because I indeed was late for a few payments. I am ok with that fees, but all I asked from Suntrust is an one-time courtesy removal of my late payments from my credit reports since I was not aware of the mortgage sales until XX/XX/2021. 
I was very stressed by how the COVID-19 impacted our life and am looking for a reasonable solution to my case from CFPB or Suntrust banks XXXX 
Thank you so much!
Product: Mortgage

Working with XXXX XXXX CEO XXXX XXXX who directed me to XXXX XXXX a higher up in the Ohio. I need 6 months of relief. I have {$100000.00} in equity. I have owned home for 13 years I don't want to have to sell it.
Product: Mortgage

XXXX XXXX, Promise us when we refinance the company will make the appraisal fee of {$450.00} free of charge. Promo offer. But they still charge us {$450.00}. We try to contact them but not reply its 3 months now and they sell our loan to another company
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX Account Balance {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Account Balance {$3500.00} XXXX XX/XX/XXXXXXXX Account Balance {$4400.00} XXXX XXXX XXXX XXXX Balance {$23000.00}
Product: Credit card or prepaid card

On or about XX/XX/2019, complainants wallet was stolen from XXXX XXXX Supermarket in XXXX XXXX, Fl. thieve immediately made several transactions on same day. Two transactions were made at XXXX pharmacy next door to XXXX for {$4.00} and {$25.00}. Two more were made at XXXX XXXX XXXX restaurant for {$15.00} and {$15.00}. Several other attempts were made but unsuccessful. Complainant did not realize card was missing until morn of XX/XX/XXXX, when police was called and card was canceled. Complainant submitted information to Direct Express Fraud Dept. in XX/XX/XXXXand again in XX/XX/XXXX. Complainant received letter from Direct Express stating that investigation showed that the theft did not accrue. Complainant called Direct Express to check status on XX/XX/2019, after sending written report which was not prepared until 2 months later. Complainant, after being placed on hold for over an hour on phone, was told by some alleged supervisor that monies were not protected by FDIC, and complainant had to absorb loss and move on. Supervisor was very disrespectful. I want my stolen funds back and compensation for lack of professionalism.