23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed for a Chapter XXXX Bankruptcy which included my home. It was clearly indicated that I was forfeiting the house and not reaffirming the mortgage loan. The BK was discharged in 2010. My attorney advised me to move out of the home promptly which I did. The lender sent me a letter stating that they are going to foreclose on the home, which they still to this date have not done leaving it in limbo with me as the " owner on title '' still. The Home Owner 's Association is now suing me for about {$20000.00} that I was even aware for years. The lender is still reporting the debt and it is reflecting on title work for the property even though it was clearly included in the Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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: Credit reporting or other personal consumer reports

This company is reporting late payments for XXXX and XXXX of 2022 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Product: Credit card or prepaid card

On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.
Product: Mortgage

I have attached all information pertaining to my case please review all information from National City Bank ( PNC ) Bank. The procedures were unjust and unfair. I have 2-1/2 feet of documentation that I need to dispose of and I was just advised not to destroy in case someone want to review the case. I feel that I am interfiled to compensation not only for the errors but, emotional distress this suasion has caused. This case is more than similar to the case that was printed in you article about the women that took two years to resolve her nightmare issue with her mortgage while she remained in her home. I had to move out of my home due to Sharif 's orders after doing everything correct. PNC bank received funds that I worked hard to get from back taxes, the first modification was not transferred back into my name legally and I was forced into bankruptcy due to the situation in order to afford the terms and assessment that never existed. So I paid rent to PNC bank thinking that the home was mine and caused undue distress trying to do sue. I did no qualify for HAFA and did not qualify for the {$500.00} for turning over the keys to the home. I was under home emotional stress my signifigant other was XXXX in XXXX and my home was in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Path Forward/ XXXX showed up on my credit report, and I received a letter declining my application. I called the company to inform them, and they asked for additional personal information, which I would not provide. I NEVER applied for any personal loan. This was on XX/XX/XXXX. I didn't apply for any loans. The application ID # from XXXX is XXXX dated XXXX phone number is XXXX. 

I also have a 2nd hard inquiry report from XXXX XXXX XXXX on XX/XX/XXXX. I didn't apply for this loan. Someone is trying to apply for personal loans in my name. 

I have NOT APPLIED for any personal loans since XXXX of XXXX. 

I think someone has hacked into my XXXX XXXX account. I updated my password today, XX/XX/XXXX. I need to get these hard inquiries off my credit report they are lowering my XXXX XXXX.
Product: Checking or savings account

Dear CFPB and Wells Fargo Executive Office, This notice serves to formally escalate my ongoing dispute with Wells Fargo regarding its handling of unauthorized transactions on my account. Despite filing three separate complaints with the CFPB, I am concerned that Wells Fargo continues to fail in addressing my concerns adequately, as demonstrated by recent events. Below, I outline my grievances and request immediate intervention. 

**Key Issues** 1. **Provisional Credits : ** - I am requesting the immediate release of provisional credits for the disputed transactions until the bank completes its investigation, as mandated under Regulation E. Wells Fargos continued delay in resolving this matter has caused me financial hardship and violates consumer protection standards. 

2. **Unclear Resolution Regarding Issued Check : ** - On XX/XX/year>, I received a check from Wells Fargo XXXX accompanied by no explanation regarding its purpose. After contacting the executive office at the number associated with the check, I was informed that XXXX, who has been involved in my case, would be able to address my concerns. 
- However, despite being routed to her department, XXXX refused to take my call, stating she was not available. This lack of engagement demonstrates a failure of accountability and transparency on the part of Wells Fargo. 

3. **Miscommunication and Avoidance : ** - The intention of my call was not initially to speak with XXXX ; however, the representative I spoke with recognized that she was the person best suited to address the issued check. Her refusal to engage adds to the perception of negligence and avoidance. 

4. **Concerns Regarding Audio Recordings and Attachments : ** - During a prior discussion with XXXX , she indicated issues with downloading the audio recording and other attachments that I submitted as part of my complaints to the CFPB. These materials were provided to ensure a thorough review of my case. Any failure to access these documents reflects poorly on Wells Fargos investigation process and raises further concerns about the integrity of the review. 

5. **Unresolved Complaints : ** - Despite filing three complaints with the CFPB , the following remain unresolved : - A complete review of the unauthorized transactions and missing credits. 
- Proper acknowledgment of Wells Fargos responsibility under Regulation E. 
- Transparent communication and resolution. 

-- - **Conclusion** Wells Fargos handling of this matter has been inadequate, as evidenced by delays, miscommunication, and a lack of accountability. I urge the CFPB to intervene immediately to ensure compliance with federal regulations and consumer protection laws. Failure to resolve this matter promptly will leave me no choice but to pursue further escalation, including legal action and public advocacy. 

Thank you for your attention to this matter. I look forward to receiving a response that fully addresses my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights Account Name XXXX XXXX  XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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: Credit reporting or other personal consumer reports

I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. 

I have been made aware that other credit bureaus have already expunged these fraudulent accounts from their records. This raises significant concerns regarding the acuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address these issues, the account persists on my credit report under your bureau 's reporting. 

To bolster my claim, I have filed a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) and have furnished the bank with documentation regarding the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent accounts from my credit report. 

I anticipate receiving a written confirmation detailing the completion of your investigation and the removal of the fraudulent accounts from my credit report. Furthermore, I request an updated credit report reflecting the necessary corrections. 
The specific accounts in question is as follows : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX insurance company requested a report from XXXX on XX/XX/2022. I have received a negative action letter. 

XXXX XXXX stated that a report from XXXX was used on their decision. 

Requested report and found a substantial amount of incorrect information ranging from different individuals who just shared my same name, wrong addresses, 20-30 year old addresses, real time driving information derived from the car telematics. 

Unable to initiate a dispute resolution due to incomplete information in website Customer service extremely difficult to navigate and drops calls continuously.
Product: Checking or savings account

Dear Consumer advocate, I am reaching out here because I'm not sure where else to turn at this point. I first noticed the issue on XX/XX/year> - it started with my XXXX account. I tried logging into it and noticed that I could not login due to my account being suspended because some XXXX user that I don't even know must have violated their rules and this somehow got connected to my account for some unknown reason. I then learned my XXXX account was hacked and it was at this time that I learned that my Chime bank account I am complaining about had also been hacked because there was a {$60.00} XXXX purchase for some type of x-Box gift card that was made during the time that my accounts were compromised. 

The reason I mentioned my XXXX account is because that is probably how the hacker got my Chime bank account information. The reason I brought up the XXXX hack is because I learned there was no way to reach them to attempt to explain the situation and restore my account ( unless you pay $ XXXXmonth fee for their " customer support '' ), so I contacted the Ohio State Attorney Generals office and logged a complaint. They were able to contact XXXX and get my account restored, but when I asked them for help with the fraudulent purchase on my Chime account, they mentioned they could not assist me with that matter and referred me to this service. 

When I reported this issue to XXXX, they sent me an email confirming that this is a fraudulent charge and they performed the following actions on my XXXX account : Disabled my password Reversed modifications made by the hacker Canceled any pending orders Restored any gift card balance Disabled 2FA verification on my account They also provided me instructions to change my passwords as well as several other recommendations to secure my account. They however said that any reversal of a charge would have to be issued by the financial institution ( Chime in this case ). I sent screenshots of this XXXX email to Chime as well as screenshots ( this is all they allow ) of the email from the Ohio XXXX Attorney general ( which essentially confirms that fraud was committed in my accounts ). I tried to get chime to honor this but they have now twice rejected my claim. I can provide any other details or documents necessary to help resolve this matter. 

Thank you!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX Account 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
Product: Debt collection

I settled this account ( XXXX  ) account number XXXX ; with XXXX XXXX XXXX in full for {$960.00} on XX/XX/year>. This has not been updated to the credit reporting agencies correctly and stating I owe a balance of {$590.00}. This account was settled and full in XXXX payments of {$320.00} and {$640.00} totaling {$960.00}. Please see attached documentation showing bank statements with payment to resurgent and settlement pay off letter
Product: Credit reporting

The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has removed anything negativity affecting our credit report and account but Equifax refuses to remove the negative historical payment history from report. We cant dispute it because their site says we have an error disputed this account already. Account was showing 180 days late in error and Equifax refuses to remove it. We have tried and failed several times to get Equifax to correct error all other reporting agencies have removed the error
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, there were five charges to my XXXX card ending in XXXX from Sony, for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with family members using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted XXXX, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. XXXX informed me that Sony originally marked the charges as one time normal charges, which they were, but because my account was locked, XXXX  denied the charges, so Sony fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from Sony for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting Sony for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MAIN COMPLAINT THAT I AM REQUESTING YOUR HELP WITH IS THAT XXXX VIOLATED THE FAIR CREDIT REPORTING ACT, SECTION 623 ( a ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICES ACT, SECTION 807 ( 8 ). THEREFORE, THEY MUST REMOVE THE ITEM FROM MY CREDIT REPORTS. THEY COMPLETELY IGNORED MY LETTER TELLING THEM THEY VIOLATED THE ACT AND THAT THEY MUST DELETE THE ITEM FROM MY CREDIT REPORTS. IVE NUMBERED EACH DOCUMENT THAT I WILL BE UPLOADING.
DOCUMENTATION # 1 THIS IS THE FIRST LETTER I SENT DISPUTING A DEBT ON MY CREDIT REPORT. THE FULL LETTER WILL BE UPLOADED FURTHER IN THE COMPLAINT. FOLLOW THE UPLOADED DOCUMENTS 1-5 TO GET THE WHOLE STORY.` XXXX/XXXX/2017 **XXXX XXXX XXXX XXXX XXXX, WI XXXX  Re : # **** To Whom It May Concern : This letter is regarding account # ****, which you claim I owe {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
# 2 COPY FROM US POSTAL SERVICE COPY OF SIGNATURE AND RECEIPT OF CERTIFIED LETTER ON XXXX/XXXX/2017.
# 3 LETTER FROM XXXX INDICATING THEY DEEMED MY COMPLAINT FRIVOLOUS OR IRRELEVANT, DATED XXXX/XXXX/17 AND RECEIVED BY ME ON XXXX/XXXX/17.
# 4 & # 5 LETTER FROM ME TO XXXX INFORMING THEM THAT THEY HAVE VIOLATED THE FAIR CREDIT REPORTING ACT AND A COPY OF XXXX ON MY CREDIT REPORT **Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX-XXXX-2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to remove hard inquiries on my consumer credit report. I was advised to contact the companies directly. I mailed letters to the companies and they were returned 'undeliverable. ' The addresses listed on my consumer credit report are inaccurate which Experian would have known if they conducted an investigation. The hard inquiries negatively impact my FICO score. Additionally, they violate the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with NATIONAL CREDIT SYSTEMS that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report now.!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 
XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXXXX XXXX XXXX data breach, which raises concerns about the security of my personal data.