23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Wells Fargo to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with WELLS FARGO. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to WELLS FARGO respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WELLS FARGO to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with WELLS FARGO, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Product: Debt collection

A collection was reported to my credit file on XXXX XXXX. This is not my account and I do not have knowledge of such account. I called the numbr listed and its a fraudulent number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX 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: Mortgage

Our mortgage company, XXXX, went bankrupt in XX/XX/2019. Through XXXX and all antecedent mortgage companies, we always had Auto-Draft of payments, and we have therefore never missed a payment in the 18 years we have lived here, our first home. 

On XX/XX/2019, we received a letter from NewRez/Shellpoint, welcoming us to their family beginning XX/XX/2019, and assuring us that, and I quote, " Your Auto-Draft payments will continue. Our records show that you have been paying your mortgage by Auto-Draft. Good news : your Auto-Draft arrangements will carry over  when your loan transfers to us. Your payments to us will be deducted from your account on the date and in the amount you arranged with your previous servicer. No action is required on your part. '' This document has been provided to our banking institution. 

Were we wrong to believe the documentation from the company? When we spoke with them over the past weeks after we received the dunning notice for late payment, they freely admitted that this was their error. We provided our routing information the last week of XXXX in a conversation with one of their representatives on a recorded line, and yet the XXXX payment was STILL not Auto-Drafted. And we were assured that this would not impact  our credit. And yet, it has. A second call to a different agent to verify that the XXXX payment had gone through netted us the data that their agents are UNABLE to take bank routing over the phone and we would need to send them a voided check! 

I don't doubt that NewRez/Shellpoint has or will have thousands of these complaints as others in our situation realize that they, like us, are innocent victims of negligence on the part of this company. 

We resolved the overdue payment issue last week ( at least, we HOPE AND PRAY that it is resolved ), and still this credit issue is keeping us from a car loan that we certainly have the resources to repay. It is unfair that we are being punished for this, and in fact, I think that NewRez/Shellpoint should have to reimburse us, and all the others impacted, for the time, expense, and embarrassment of being repeatedly denied financial services that we have every reason and right to expect. 

You may believe that at least for the next three to six months, we will be verifying with our banking institution that the mortgage has been Auto-Drafted on time. As our past President Ronald Reagan said, " Trust, but verify ''. 

Thank you for your prompt attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute the bankruptcy reporting with TransUnion several times to no avail. I did not file bankruptcy   and the reporting is not mine. I have reached out to the courts to help me to get this matter resolved. The courts stated in writing that they do not provide information to any credit reporting agencies. So, is TransUnion considered a furnisher? This is not my bankruptcy and TransUnion has failed to plea their case to who is provided them with this false information. 

Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans-Union to inquire about the inquires listed on my credit report that had been removed and then re-interested into my credit report without prior written notification and I am requesting permanent removal. Trans-Union refused to do so at the time of contact and that is why I am reporting through CFPB. Upon doing research I have noted that the following inquiries are to be inaccurate : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ONEMAIN  XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report 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.

I have ONE name. However, XXXX publishes ( XXXX ) XXXX incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. Equifax publishes ( XXXX ) incorrect versions of my name. 
Over the last ( XXXX ) XXXX years, I have had only XXXX addresses. XXXX are current, XXXX is not mailable there are incorrect XXXX with XXXX, XXXX with Equifax, XXXX with XXXX never associated with me. 

For the last ( XXXX ) years, I have had the same and only phone number for both business and personal For the last ( XXXX ) years, I have had XXXX employer. XXXX lists XXXX Employers. Equifax and XXXX list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, XXXX reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than XXXXXXXX XXXX XXXX However, my company does XXXX XXXX XXXX transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond XXXX years old.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}.

Last Reported Dates : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I have attempted to arrange payments that are based on my income and I have not been able to. I am currently only working 2 days a week and I am unable to pay the payment amount requested. The company has only given 3 months forbearance during this pandemic yet interest rates continue to accrue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reopeningthis account and then week later closing it just turn around and reopen it agian as to just close it agian. They are doing this to further hurt my credit and it's not fair or legal from my understanding. Please make them at the least stop this unfair behavio.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report shows an account change made on XX/XX/XXXX obtained through 3rd parties. I received an alert from XXXX XXXX   about changed account reported by XXXX stating dispute was resolved. On XX/XX/XXXX I received an alert from XXXX a collection account was reported by SEARS/CBNA with a credit limit of {$2400.00} opened XX/XX/XXXX. The reporting source was XXXX.
Product: Checking or savings account

My account was compromised by hackers who tried to deposit a fraudulent check into my XXXXXXXX XXXX account, which ultimately resulted into my SOFI account being restricted. I have funds in my checking account that I need access too as well as my bank account overall. Ive reached out to the company multiple occasions and they failed to provide any substantial help regarding this issue. They informed me that my account was being closed in late XXXX XXXX, but yet its still accessible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-complaince with the XXXX XXXX  XXXX Experean, XXXX XXXX 
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. 
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Product: Debt collection

I bought a hot tub over a year ago and when the moving company brought it to me it had two big forklift holes in the bottom of it. So they wouldnt leave the tub because it was damaged. I never received anything from any buddy until a year later I received a bill for XXXX dollars from mattress firm/ synchrony bank for the tub. I never received the tub so Im refusing to pay for something I never received. But by not paying something I dont owe its hurting my credit. Ive written letters and called but I one will give me an answer or drop the debit they say I owe. Dont know what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY EXPERIAN REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX/OPORTUN
All Banks - non specific
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXXXXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
XXXX XXXX XXXX
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX - non specific
Inquiry dateXXXX XXXX XXXX XXXX
Removal date: XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, LexisNexis, and XXXX XXXX Auto for reporting incorrect information on my consumer report. The only employment information that should be reflected on my report is my employment with XXXX XXXX and The XXXX XXXX. Any other information that appears on my report is inaccurate and must be immediately deleted.

Legal Basis : 1. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq.

Under the Michigan Consumer Protection Act ( MCL 445.903 ), it is prohibited to : ( s ) Fail to reveal a material fact, the omission of which tends to mislead or deceive the consumer, and which fact could not reasonably be known by the consumer.

By reporting incorrect information on my consumer report, Innovis, LexisNexis, and XXXX XXXX XXXX are misleading and deceiving both consumers and third parties regarding my creditworthiness and personal information.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The Fair Credit Reporting Act mandates the accuracy of consumer reports and sets forth the rights of consumers to dispute and correct inaccurate information. Relevant sections include : 15 U.S.C.
1681i ( a ) This section requires consumer reporting agencies to investigate disputed information in a consumers file. I have disputed the information on my consumer report, and the agencies have failed to correct or delete the incorrect entries.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. By including erroneous details on my report, XXXX, LexisNexis, and XXXX . Auto have violated this section.

3. Michigan Collection Practices Act ( MCPA ), MCL 339.901 et seq.

Under the Michigan Collection Practices Act, it is unlawful to provide inaccurate or misleading information to a credit reporting agency : MCL 339.915 ( e ) Prohibits a person from furnishing false or misleading information concerning the creditworthiness, credit standing, or credit capacity of a consumer to a credit reporting agency.

4. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) The Federal Trade Commission Act prohibits unfair or deceptive acts or practices in or affecting commerce. Reporting incorrect information on my consumer report constitutes an unfair and deceptive practice under this act.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
DPT EDXXXX XXXX Balance : {$9500.00} ; DPT EDXXXX XXXX Balance : {$1600.00} ; DPT EDXXXX XXXX Balance : {$9600.00} ; DPT EDXXXX XXXX Balance : {$2900.00} ; DPT EDXXXX XXXX Balance : {$2300.00} ; DPT ED/XXXX XXXX Balance : {$6400.00} ; DPT EDXXXX XXXX Balance : {$4000.00} ; DPT EDXXXX XXXX Balance : {$2400.00} ; DPT EDXXXX XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$5500.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; DPT EDXXXX XXXX Balance : {$3200.00} ; DPT EDXXXX XXXX Balance : {$2000.00} ; DPT EDXXXX XXXX Balance : {$9100.00} ; DPT EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$4200.00} ; DPT EDXXXX XXXX Balance : {$6500.00} ; DPT EDXXXX XXXX Balance : {$2700.00} ; DPT EDXXXX XXXX Balance : {$5400.00} ; DPT EDXXXX XXXX Balance : {$580.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a XXXX XXXX to ensure the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the account with XXXX/XXXX XXXX/XXXX  inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. XXXX XXXX advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Product: Credit reporting or other personal consumer reports

I have a couple credit cards with XXXX XXXX, and XXXX XXXX is not reporting my on time payments to the credit bureaus even though they have posted to the accounts. Because of this, my credit scores are lower than what I believe they should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Debt collection

I C SYSTEM is claiming that I owe them {$550.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of 2022 and it still has not been reflected in my credit reports from XXXX and Experian as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within 30 days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the US code.