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

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account from my credit report. Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I believe the inclusion of this account violates my rights under federal law.

The FCRA, as amended by the Fair and Accurate Credit Transactions Act and administered by the Consumer Financial Protection Bureau ( CFPB ), promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA : Consent or Permissible Purpose : Consumer credit reports may only be obtained with explicit consent or a permissible purpose.

Accuracy of Information : Persons reporting loan payment information to credit bureaus must do so accurately and resolve disputes regarding reported information promptly.

Disclosure Obligations : Creditors are required to provide disclosures to applicants whose credit applications are not approved or who are offered credit at an interest rate higher than other borrowers on the basis of a report obtained from a consumer reporting agency.

Updating and Inquiry Processes : Credit information reported to credit reporting agencies must be promptly updated. Processes must exist for customers to inquire about credit information furnished by creditors.If this account includes only transactional or experiential information between myself and the creditor, it does not meet the criteria for inclusion in my credit report under Section 1681a ( d ) ( 2 ) of the FCRA.

In alignment with FCRAs provisions, organizations like XXXX and its bank partners : Obtain explicit consent from borrowers for credit reports. 
Accurately report loan payment and delinquency information to credit reporting agencies. 
Provide timely adverse action notices with all required disclosures when necessary. 
Ensure processes exist for inquiries and updates to credit information. 
Offer consumers opt-out opportunities regarding the sharing of personal information. 
Implement identity theft prevention programs, as required by the FCRA and its implementing regulations. 
I request that you : ReInvestigate the inclusion of this account on my report. 
Remove the account if it violates FCRA provisions or fails to meet the criteria for inclusion. 
Provide a written response detailing the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my Social Security number to apply for a mortgage With XXXXXXXX XXXX XXXXXXXX. I contacted XXXX XXXX  XXXX and they stated they are unable to remove the hard inquiry from my credit report. I have disputed the hard inquiry with all of the credit agencies, and they have stated the inquiry will remain on my report for two years. I would like to have this hard inquiry removed, because during my discussion with XXXX XXXX, I was informed by them declined, because I have a lock on my credit, and they determined that it was a fraudulent application. This is not my inquiry, and I dont want it affecting my credit rating. Please take the necessary action to have it removed from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress. 

Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing. 

I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust. 

I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly. 

Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process. 

If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX I received two emails back to back stating that I had successfully sent transactions through my chime account. One for {$1900.00} dollars to someone named XXXX XXXX and another transaction for {$880.00} dollars to XXXX XXXX both transactions say they were for my daughter which she did not receive, due to fraudulent activities on her XXXX account linking to her bank. I did not authorize these following transactions and I have reached out to chime with no results. I was told my claim would be reviewed then within 24 hours I was told it was denied.
Product: Mortgage

I am a Wells Fargo Home Mortgage customer. I have been XXXX. I use XXXX to automatically deduct mortgage payments from my bank account and have been using XXXX for many years. Thus, I barely pay attention to mortgage payments on a monthly basis other than making sure there is sufficient funds in the account to make the payment. Yesterday, when looking for tax information about my mortgage, I logged into the Wells Fargo website and noticed that I have been charged {$150.00} every month ( as far back as the record shows on the site ) for a " Late Payment ''. Thus, I started a Chat with Wells Fargo on the site. The Chat person, XXXX, looked into it and told me that I had missed an AutoPay payment in XX/XX/XXXX, so since then every month when I pay on time Wells Fargo applies that payment to the previous month 's payment and charges me a late payment. I asked why I was not contacted about this. XXXX said that they called my telephone number and emailed me. However, I had no missed calls from Wells Fargo and no emails about late payments. 
While on Chat, I checked my email. I found no email messages about a late payment. When I kept inquiring about the emails and what they would say, XXXX said, yes I was correct Wells Fargo is not allowed to say that I have a late payment in the email due to some kind of PII concerns. 
I asked, " then how would I know I have a late payment? '' He said I should have received a phone call. I never received a call so he checked the number they had in their system. At the same time, I checked the numbers listed in My Profile on wellsfargo.com. The number he had was erroneous ( starting with XXXX area code, my area code is XXXX ). I have had this exact same number since XXXX and have not changed it. I could see in the Wells Fargo My Profile that my correct number was there in 3 times : Home, Mobile, Work. But XXXX said he could not see the numbers from My Profile because their internal contact system uses different numbers from My Profile. 
I also checked the wellsfargo.com Message Center including Alerts. There were no alerts for my account ( 0 ). 
Long story short, XXXX updated my number in the system and I got a call from a lady at Wells Fargo while still chatting with XXXX. The lady said I owed over {$1000.00} in late fees. I said that now that I know I will make the missed XXXX payment and catch up but late fees should be removed. I can't see how they made any effort to contact me. She said that yes the emails they sent did not clarify that a payment was missed and no they had not made contact with me by email but I still owed late fees. I do not think it is unacceptable to charge without notification. I asked for a refund of the late fees upon successfully making a payment to bring the account up to date. She said that they could refund one month 's payment and if I had a problem with it perhaps I should contact XXXX  and CFPB. So that is what I am doing.
Product: Mortgage

Bank of America 's CEO, President, Attorney XXXX has the background of our XXXX rooted mortgage XXXX situation, involving IRS estate tax time window whereby, millions were lost needlessly, affecting BofA mortgage XXXX, its collateral, XXXX, XXXX, not intended to be sold, if Winchester commercial realtors performed as hired. 

DOUBLE DIP -- BofA, by involving smaller lenders, rewinds the mortgage clock, to day one. 

My siblings and I, through our parents ' estate have already, since XXXX, paid in approximately $ XXXX in lump and other payments, to XXXX. This is $ XXXX out of about a $ XXXX or thereabouts purchase price. 

Compassion and humanitarian perspective needs to be heightened, as I have XXXX siblings, approaching senior years, who have lived life with XXXX, believed to have been due to exposure to DDT as infants, in agricultural area. THIS XXXX. HOUSE WITH OTHER PROPERTIES ARE OUR BACKUP PLAN TO WELL-BEING. GRATEFUL FOR XXXX, XXXX, XXXX, BUT THESE PROGRAMS ARE IN THE FINANCIAL RED, MAY OR MAY NOT BE THERE LATER. 

PLEASE ASSURE BOFA UNDERSTANDS, we can not afford " double dip, '' as after paying in approximately $ XXXX, another $ XXXX, rewinding the mortgage to day one, would have a house worth about $ XXXX on the market today, THEORETICALLY COST ABOUT $ XXXX! THIS SHOULD BE A VIOLATION IF ANY BANK CHARGES DOUBLE FOR A HOUSE, IN REALITY FIGURES. 

In XXXX, BANK OF AMERICA SETTLED $ XXXX IN MORTGAGE VIOLATIONS, WITH CONSUMERS. 
MAY OR MAY NOT HAVE BEEN GIVEN THE SAME OPPORTUNITY THROUGH USDJ/BofA Stipulated Settlement on XXXX. 

I wish for BofA to understand that my family and family estate can not be victims to smaller lenders. We need to work with BofA exclusively and inclusively, as it has the best online banking services and best long term customer service for business and personal. 
Above all, we can not afford double dip into our mortgage payment plan, where a house begins its price tag at $ XXXX or thereabouts, there are payouts close to $ XXXX with improvements, then, a smaller servicing lender, BofA hands the loan off to, rewinds the mortgage to $ XXXX, day one XXXX, figures. THEORETICALLY, BECAUSE OF INTEREST, THIS CAN END UP MORE THAN DOUBLE DIP, as just taking payout approximate amount with improvements being close to $ XXXX, adding the rewind $ XXXX XXXX figure, Equals about $ XXXX -- possible unjust impoverishment case for any homeowner, especially, if house markets in XXXX, at $ XXXX. 

LARGER BANKS HANDING OFF LOANS TO SMALLER LOAN SERVICING PROVIDERS : SMALLER LENDER HANDOFF GOUGE SHOULD BECOME A CONSUMER PROTECTION LAW, INCORPORATED INTO HOMEOWNER BILL OF RIGHTS LAWS -- LIKE CALIFORNIA 'S XXXX. 
LEGAL SAFEGUARDS TO PROTECT AGAINST UNJUST IMPOVERISHMENT OF HOMEOWNERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair act, XXXX XXXX XXXX  Account XXXX 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 connot furnish a account without my written instructions.
Product: Debt collection

The debt in collecting which is being disputed is a medical bill from a car accident which happened in XX/XX/2018. On the date of the accident, the emergency service arrived, they inquired if any of the participants of the accident would like to be medically examined. Everyone including myself declined the examination because I had no severe injuries and. Because the police had not yet arrived, they presumed to gather the details of the accident as well as our personal information. Due to my relocating of residences during the time, I never received any information of the debt and therefore was unaware of the collection.
Product: Credit card

I was part of the data breach that took place recently. I received my payment in the mail. I cashed a check and I would like to remove every item on my credit report because Im not sure if its me or not.
Product: Checking or savings account

My debit card was lost I realized when I was going to pay for food i then noticed by login in my mobile app on XXXX the sameday that my card was use at a XXXX location for the amount of XXXX and also at a XXXX  gas station for XXXX. I then blocked my card inside of the app and called my branch. Together a rep and I finished up a claim for my lost card and unauthorized charges, within 4 days I called to check status and was told the dispute was closed due to the chip card not being able to be duplicated with that being said the representative that previously helped me had put down that I said I still had my card at the time. Which was completely wrong I was calling to report unauthorized charges due to my card being lost and compromised. I had a manager listen to the call to make sure I told them my card was lost which he did and confirmed that I was right about what i stated he left notations on my account about that. I then had the new rep to reopen my claim which they did but now they claim has been back closed for the exact same reason. I just had a new rep to reopen again as of today XXXX! I also sent in police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to log on to my credit report with experian for 2 years. I need to give XXXX  access to my account- and I have been, basically, permanently locked out of their system. I tried to order a hard copy of my credit report today, and I was not able to do so. I have called 50-60 times, and I am usually hung up on. They have no idea what is going on, and say I have a freeze on my account. When I asked them how to get rid of it, they guide me through the process only to find that my information is not found in their online system. 

This the error I receive : " We have encountered an internal server error. Please note that your order has been canceled. Sorry about the inconvenience. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT '' The problem is, that phone number does not take you to a person- nor does ANY phone number listed anywhere on their web site or on XXXX. They give me a couple of choices- but none of them take you to a person. Finally, I had to pretend to be a business account to get to talk to a person. Finally, she gave me 4 numbers- the last one actually let me to a person, eventually. That number is not published anywhere. 

I want access to my account. I need to give my account over to XXXX so they can work on it with me. How do I do this, when the company in charge is a scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted bank statement, and disputed the claim twice to the credit reporting agency about the incorrect information furnish by the loan company saying I was late 30 day on my loan. The results was that the claim was valid. Then I wrote letters to the credit reporting agency and the loan company, 30 days pass and I didn't get no responses from either the credit reporting agency or the loan company. I even called the loan company still nothing was done. So the next step was submitting a complaint.
Product: Checking or savings account

In XX/XX/XXXX I paid XXXX XXXX for a copy of XXXX  XXXX XXXX XXXX XXXX XXXX. I was given a download link and registration number for the software, which I downloaded from XXXX  and registered. I then used the software for the next 10 months until XXXX notified me that the software purchased was not authentic. During this period the software vendor appears to have closed their business, so my attempts to contact the software vendor were futile. ( email attached ) XXXX assigned a case number ( # XXXX ) and sent me a letter stating that the software was not authentic. I then went to my bank ( Bank of America ) and because the debit card used was a Visa debit card, they investigated the case notifying me that I was within the deadline and issued a temporary credit on XX/XX/XXXX for {$910.00}. ( docs attached ) As of XX/XX/XXXX, the temporary credit has been withdrawn because the bank of XXXX XXXX stated that they were not notified within 60 days of the initial transaction per a notification letter from Bank of America. ( doc attached ) I would point out that : 1. ) I was not notified by XXXX that the software I downloaded from their site and registered through their site was not authentic until 10 months after the initial download and registration. This untimely notification unduly inhibits me as the purchaser from taking timely action against the software vendor.
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2. ) Because the vendor is no longer in business ( I presume ) I cant get their side of the story regarding the sale. It was suggested by yet another vendor that XXXX may have purchased a large site license from XXXX and then decided to sell off individual licenses. This may be what happened, but I ca n't confirm not can I comment on the legality of this practice.
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I would like to know what recourse, if any, I as a small business owner have in this regard. I have lost critical funding and although primary responsibility would naturally sit with the vendor who illegally sold the software they ca n't represent themselves. I would note they had a very good online reputation at the time I purchased from them. I also feel XXXX shares some responsibility to notify a purchaser at the time they register the software as to its legitimacy so that the end user can take appropriate and timely action.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I received your email and I went into the website of checker to check my background. Hi I'm going to inform you that what's in my background ( I copied and pasted it below ) this is what is keeping me from being able to work with your company is incorrect. 
FAIL TO POST SECURITY FOR AN ACCIDENT-OW This comes out in my background but this is because my wife was driving our car which was in my name, and she is the one who got into a car accident. I showed up after the accident happened to pick her up. I later on found out that this was on my driving record and I contacted the department of motor vehicles from Iowa since it was an accident, there was a police report and details of everything was given to explain it was not me but my wife who has been the one in the accident not myself. 
After explaining this matter, and being that I'm sure you can access a much more detailed report where you can see more details of this report and how I am not the responsible party for this matter. 
I would like to know if there is any possibilities or anything that you could please advise me on, or let me know if there's any chance of me still being able to work with your company, or is there anything else I should or could do, prove, or explain etc to this company or advice me on to whom I need to. 
Please feel free to reach out to me at your earliest convenience you can reach me via email here at XXXX or by my cell phone number at XXXX thank you very much for your time. 

Thank you, XXXX XXXX
Product: Debt collection

i was a victim of identity theft and was currently XXXX at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Product: Credit reporting

I had a store credit with XXXX with a balance due of {$560.00}. The balance went unpaid and XXXX sold the account to a collection agency. In the process, I paid XXXX the full account balance. XXXX is reporting on my credit that the balance of {$560.00} was written off even though they received the full payment. The collection agency is reporting a balance of {$560.00}. After several disputes with the credit bureaus and with XXXX, the information is still incorrect on my credit report.
Product: Debt collection

I contacted CCS Collection Agency ( www.ccsusa.com ) to pay a {$71.00} debt on XX/XX/year>. 
I requested that due to the small amount that is actually owed, that I would pay in full if they would delete it from my report. 

I am recovering from a bankruptcy, and this is simply one item that fell through the cracks, and would be a bad mark on me for trying to turn my life around. 

They responded that it was illegal per the Fair Credit Reporting Act, and that they would not do it, but that I was more than welcome to pay it. 
When I asked for written documentation, they stated they were unable to provide that. 
We ended the call. 

I called back for more clarification and the call went in a similar way, but I specifically asked them if they could provide me with written documentation stating exactly which law this would be against, they continued to refuse.