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

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation inquires from jpmcb hl is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score
Product: Credit reporting

Dear XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX
Product: Mortgage

Another Fraudulent Wells Fargo Practice Home Mortgages ( Misapplication of Loan Pre-payments ) My wife and I have a home mortgage with Wells Fargo ( origination XXXX XXXX ). During XXXX we began making additional payments to build equity and, hopefully, payoff the mortgage before the end of the stated term. We communicated our intent for additional payments to be applied to principal. Indeed, Wells Fargo appropriately applied our additional payments to principal until XX/XX/XXXX. 

However, in XXXX XXXX, for some mysterious reason, Wells Fargo applied our additional payment to the XXXX XXXX principal and interest payment ( i.e., a pre-payment of the following months mortgage payment ). Wells Fargo failed to notify us of this change in method of applying additional payments. Wells Fargo representatives indicate that the reason the payment was not applied to principal was because we did not provide specific instructions for that payment to Wells Fargo. This explanation was shamelessly provided notwithstanding the fact that previous payments were appropriately applied without specific instructions. Wells Fargos explanation is even more unbelievable when you consider the fact that we made our regularly scheduled payment in the following month ( in XXXX XXXX ). At that point, it was obvious that our intent was NOT to pre-pay the XXXX XXXX mortgage principal/interest amounts. 

Note : We pay our mortgage electronically ( like most people ) so we do not provide instructions for each individual payment. However, we previously communicated to Wells Fargo that any additional payments should be applied to principle. 

Wells Fargo has repeated this practice on several occasions over the life of the loan. As a result, my current loan balance ( as of XXXX XXXX, XXXX ) is overstated by approximately {$2400.00}. 

When brought to their attention, Wells Fargos attempt to correct these errors generally result in additional errors ( e.g., late fees charged to my account when payments were reversed in the system, etc. ). In fact, Well Fargo representatives recently tried to discourage me from pursuing this claim indicating that payments will need to be reversed all the way back to XXXX, which will increase the chance of more errors. I couldnt help but think : Did they really just say that? 

I believe this is just another common tactic that Wells Fargo uses to covertly steal their customers money. The representatives at Wells Fargo that I 've been dealing with have been very respectful and appear to be genuinely interested in addressing my concerns. However, it is obvious that they are operating under Corporate mandated directives that restrict their ability to do the right thing, which is not that surprising given what we now know about the culture at Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first letters over 4 months ago to XXXX, XXXX  and TransUnion. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.
Product: Debt collection

United Consumers, a Collections Agency does not do anything except post allegedly owed debts onto my credit report. Their client never sent us an unpaid bill in XX/XX/XXXX and in fact we never found out that we had a bill that I alledgedly owed for {$87.00} until it first appeared on my XXXX   credit report in XX/XX/XXXX. 

Upong disputing the debt, the collection was removed. 

Then, after being turned down for credit, I sent for a Copy of my XXXX XXXX Credit report again in XX/XX/XXXX and found out that United Consumers was claiming that I owed {$87.00}. Although I did not owe the amount, it was not worth a fight with them, so I paid it off ( see attached -- Proof of my payment in XX/XX/XXXX ) for a " Bad debt '' that I never Received a written notice in the mail or even a phone call about, EVER! 

This year, I found out that my credit score was being harmed again by the the United Consumers, for reporting that I have a collection on file for {$0.00}, and this is harming my credit. 

Please ask United Consumers for proof of attempted collection, and for proof that they have followed the rules by removing a paid debt, that we actually did not even owe to their client. 
They have received 3 or more correspondences form us in the past year, in XX/XX/XXXX and XX/XX/XXXX and they never respond. ( See all attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Debt collection

I paid this debt off with an electronic check which the creditor deposited into their account on XX/XX/2024. We had a pending court date of XX/XX/XXXX  to which they said they would cancel but never did. I called them to ask if I still needed to show up to court and they said I should check with the court. I went to court today and they didn't show up. When I called them they said it was my decision to take time off work to go to court and that they weren't responsible for me missing work. They also said that I owe them XXXX cents, but that they can't process a payment of XXXX cents so I can't pay off my account. They said on Thursday, XX/XX/XXXX that they would close my account and file the satisfaction of judgement with the court but have yet to do so. They also have yet to send me a receipt for the amount I paid them. They should face some kind of accountability for making me miss work and dealing with this frustration when I paid my judgement in full and don't owe them any money.
Product: Mortgage

XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a small landlord and occupy one of the units in my 5-unit building in XXXX XXXX CA. My day job is XXXX XXXX XXXXXXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraudulent activity on my credit. I have a identity theft report FTC # XXXX. Your company Experian only blocked one account which was XXXX XXXX. Please review report for all cases involved. I have a XXXX XXXX Account # XXXX. This account must be removed and or blocked from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, XXXX, and Equifax multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.
Product: Checking or savings account

Hello. I was trying to access my funds and my card declined on XX/XX/XXXX at approximately XXXX. I called the bank ( USAA ) and a representative told me my card was not blocked and to try to make a purchase again. She stayed on the phone with me and she witnessed that my card was declined again. She said it may be the card reader and she told me to try a different location. After having my card declined again, I tried to withdraw funds from an atm machine but to no avail. I called back and explained to XXXX that I am trying to access my funds. In the midst of her asking me a few questions, I began to lose phone connection and I asked her to give me a call back. When she called back, the phone rang once before disconnecting. I called back and spoke to XXXX. XXXX was not very helpful. She asks me why I was sending and transferring money. I told her it is time to pay rent and bills, i should not have to explain why Im moving my own money. She then asked Are you aware that it may take up to 10 days for a cashiers check to clear. I told her I am not aware and I do know that ; I told her I can spend my money any way I choose to. She asked me why I made XXXX transactions right after a deposit was made. I told I her have to pay bills and I do not dictate how she spends her money so I demand the same respect. She placed me on hold for a few minutes and when she returned, she stated that my acccount will be disconnected and I will owe and negative balances and she spewed out more info before she abruptly hung up. I do not understand why my account is being closed ; I did not get a chance to ask any questions. I feel discrimabated against, I received money from a sales transactions and I feel like USAA is withholding my funds. I have been a loyal consumer for years and I feel that I was pushed aside.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account name : 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, has violated my rights.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

My consumer credit card monthly payment is made thruogh direct withdrawl from my XXXX checking account. 
XXXX is initiated by CITI, on the XXXX of the month. Sometimes days laps before the funds are actually withdrawn. On XX/XX/year>, thinking the payment had been cleared I had zeroed my account, per usual. Citi initiated the withdrawl on the XXXX. Due to my inadvertance, I incurred an NSF fee from my bank in the amount of {$25.00}. 
Granted that was my fault. The problem is that citi attempted to withdraw funds XXXX more times for a total of {$75.00} NSF bank fess ; plus {$30.00} Citi late fee. This all happened before I had opportunity to respond to them and correct the issue. 
Their policy of initiating withdrawl multiple times when after the first time the funds are not available is costly to their customers. 
XXXX NSF fee ; XXXX late fee -okay fair enough. 
But the extra {$50.00} expense is an unecessary burden and should be precluded. 
Citi did send me emails and left an auto mssg. But by the time I was able to respond, I'd already been charged multiple fees. 
i immediately made the payment. A fair policy would be that after a first attempt to withdraw funds resulting in NSF. Creditor should be required that thy first establish communication with their card holder prior to taking futher action. 
Inadvertance should not be cause for excessive, multiple fees. 
Thank you for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXXXXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to XXXX, XXXX, and Experian to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Product: Credit reporting 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. 


Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 XXXX 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.