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

Subject : Dispute of Late Payment Reporting on My XXXX XXXX Account Dear Sir or Madam, I am writing to formally dispute the inclusion of late payments on my credit report for my XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I request an immediate correction and removal of any such inaccurate or unfairly reported late payments.

Under 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a " consumer report '' excludes any report containing information solely related to transactions or experiences between the consumer and the entity making the report. As such, late payments that do not impact creditworthiness beyond the direct relationship between XXXX XXXX and myself should not be reported to consumer reporting agencies as adverse credit events. 
Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information must not report information that they know or have reasonable cause to believe is inaccurate. If the reported late payments resulted from extenuating circumstances, billing errors, or delays beyond my control, their inclusion on my credit report would constitute a violation of this provision. 
Additionally, the FCRA grants consumers the right to dispute the completeness and accuracy of any item in their file. Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, a credit information furnisher must conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable. 
Given these legal protections, I formally request that this credit bureau review this matter and remove any late payment not in compliance with the above provisions. Please provide written confirmation of the actions taken within 30 days, as required under FCRA. 
Should you require any further documentation or clarification, please let me know at your earliest convenience. I appreciate your prompt attention to this matter. I have attached a copy of the law, which says that the alleged late payment ( s ) should not be reported on my credit report. I ask you kindly to abide by the law and update my account to be paid as agreed. Failure to do so will result in me taking legal action against your credit bureau. I also ask you to provide verifiable proof of payment records showing that I had late payments on this account. The law clearly states that if you are unable to provide this proof, then this is also additional legal grounds for one to request that these late payments be deleted from my consumer report. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a Wells Fargo Visa XXXX XXXX card. It was in the terms of the card that if I spend {$50000.00} on the card in a XXXX span, my redemption rate for airfare would increase to XXXX per point. I was aiming to achieve this benefit between XX/XX/XXXX and XX/XX/XXXX. 

In a call to Wells Fargo in XXXX or XX/XX/XXXX I got confirmation of this benefit, the representative found the bullet point about it in the terms and read it to me, and told me that the redemption value should change automatically once I spent the {$50000.00}. Wells Fargo keeps summaries of customers calls in their records. 

It seems that the terms of the card were updated in XXXX and the benefit I was working toward was removed. I was not notified of the change to the terms, and continued to use the card for every transaction I could in an effort to reach the threshold. 

Once I reached {$50000.00} in XXXX and noticed the redemption rate had not changed, I called Wells Fargo to find out why. No one could give me an answer and the credit card team and rewards team just kept sending me back and forth between each other. When I checked the card terms it said at the top it was updated in XXXX, so I inferred that the airfare redemption rate benefit was removed. 

I find it suspicious that it was removed so soon after my call confirming I was understanding the benefit correctly. I dont know about the legality of changing the terms of a card without notification but it is a shady business practice at the least. 

Ive been a cardholder for 11 years and was finally going to achieve the chief benefit of the card, only to have XXXX pull the rug out.
Product: Credit reporting or other personal consumer reports

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent XXXX dispute letter to XXXX XX/XX/year> requesting them to investigate these accounts. 
XXXXXX/XX/XXXX Account XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXX/XX/XXXX Account # XXXX XXXXXX/XX/XXXXAccount XXXX XXXX XXXX XXXX Account XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit card

My credit card and business checking account were abruptly closed and the only reason I am given is that the adherence to regulatory compliance. I dont know what regulatory compliance I am not adhering to they will not tell me. I have been a member since 2007 and am being treated as if I am a criminal. This is not right. My XXXX XXXX is great, I make my payments on time, and I do not carry any high balances. This is wrong. I should know why my accounts were closed.
Product: Credit reporting or other personal consumer reports

I didn't authorize this inquiry it wasn't me I would like it removed immediately.
Product: Credit reporting

I got a letter from Experian saying that I had a " potentially negative item '' between XX/XX/XXXX and XX/XX/XXXX, but they did n't say what it was ( of course, then they could n't charge you ). I tried to obtain a free credit report from the Experian website, but I was declined and told that I had to submit my report in writing. I tried using annualcreditreport.com, but just got dumped to the Experian website again and marked as having obtained my free annual credit report when I did n't obtain it. Come back in 12 months. Due to XXXX problems over the last years XXXX - I do n't have the time or staff ( I have no staff ) to pursue these people when they are making things difficult. They promise you a free credit report every year, then scam you by counting a denial as actually receiving a report, so you have to pay for something that you should n't have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXXTransaction,50 Transactions in ClaimAmount, $ XXXXClaim NumberXXXXStatus : Thank you for your patience. After careful review, your claim has been declined. XXXX,50 Transactions in ClaimAmount, $ XXXXClaim NumberXXXXStatus : Thank you for your patience. After careful review, your claim has been declined. XXXX Transactions in ClaimAmount, $ XXXXClaim NumberXXXXStatus : Thank you for your patience. After careful review, your claim has been declined. On XX/XX/year>, I called Wells Fargo to dispute all previous transactions made with Modo.us ( A sweepstakes casino site ) after winning a XXXX dollar bonus with funds I had deposited the night before. Something happened with a glitch on the site and I didn't have the funds in my Modo.us account. I don't know if it was a glitch with the site or what. I disputed the purchases on the grounds that the company I spent money with did not honor their end of the bargain. They violated their own terms of service by not paying out winnings. I reached out to Modo.us support to argue my case. I received no response. Here is the message to Modo.us support. XXXX XXXX XXXX 5 days ago I hit XXXX XXXX  on XXXX thursday night and the site glitched. All of a sudden the page refreshed and I had nothing in my account. How has support not reached out to me yet?? XXXX XXXX XXXX 1 day ago Hello?? I also wrote a XXXX star review on XXXX for modo. Here is the review and the company response saying they will follow up with me which they never did. They were paying pretty frequently They were paying pretty frequently until 2 nights ago. I hit XXXX and all of a sudden the site glitched and there was nothing in my account. I reached out to support and no response. NOT HAPPY Date of experience : XX/XX/year> Edit Reply from XXXX XXXX Updated 5 days ago Hi XXXX, We're sorry to hear about your experience. Our team is dedicated to resolving issues promptly, and we apologize for any inconvenience caused by the glitch. Your ticket is being reviewed, and we'll provide an update shortly. For further assistance, please contact our customer support team at XXXX. Modo.us is not BBB accredited and I believe Wells Fargo should refund all of my purchases like I requested. They are my bank that I have used for 5+ years and they should complete the requests of their customers. 


Follow up : I received NO credible information as to why my claim was closed. They said they found the payments were made by me... Yes they were, I never disputed that. I disputed the charges because XXXX did not pay out my XXXX jackpot when the site glitched. I demand my money back or else I will take wells fargo and keep escalating the case until my needs are met. Even if that means taking them to small claims court.
Product: Mortgage

This is in response to Wells Fargo answer to my Case number XXXX I think, due to the size of their file, I can not sbmit my Disputing their reply. Here it is. 
Wells Fargo has lied and what they have done is ILLEGAL. 
XXXX They say they have filed a complete chain of Assignments with the Court BUT : Court Documents filed State of Hawaii Documents filed XXXX. XXXX/XXXX/XXXX Assignment of mortgage XXXX. XXXX/XXXX/XXXX Assignment XXXX Corporate Assignment XXXX Assignment XXXX. XXXX/XXXX/XXXX Assignment grantor/grantee XXXX. XXXX/XXXX/XXXX corrective assignment XXXX. XXXX/XXXX/XXXX corporate assignment ( invalid due to Robo signing ) XXXX. XXXX/XXXX/XXXX corrective assignment Nowhere, in the chain of assignments, do they show that on XXXX/XXXX/XXXX XXXX sold the Mortgage/note to XXXX XXXX and then on XXXX/XXXX/XXXX XXXX sold the mortgage/note to XXXX HOME MORTGAGE. They LIED. Nowhere do they show how XXXX came to own my mortgage/note. 
XXXX TILA was violated in that I was never notified of any of these assignments. 
XXXX The Pooling and Servicing Agreement ( PSA ) was closed when they say my mortgage/ note was transferred into it. Therefore all subsequent assignments are invalid. It is ILLEGAL for U.S. Bank to represent themselves as owners. Wells Fargo dismisses this as nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tryed multiple times to get Experian to change my Name on my credit file to ( XXXX XXXX XXXX ) which is my legal birth giving name, but despite my efforts Experian refuses to change it even thought Ive informed them, they are in violation of 15 U.S.C/ equal credit opportunities act.This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an alert from my credit monitoring service in reference to a new account. I opened my report and found a new account that was open on XX/XX/2022 for a company called XXXX dropping my score XXXX points, I am in the process trying to buy a home and this just may have destroyed it for the time being. I called the the number listed on the credit report of ( XXXX ) XXXX that directed me to a recorded sales pitch for a medical alert bracelet. I researched XXXX XXXX XXXX ( XXXX ) XXXX when calling this number it states it is XXXX but they are closed despite being a Saturday at XXXX. I sent an email to the company, I found on the XXXX site this is an ongoing issue with this company allowing fraudulent cards to be opened. This also states it is a " secured '' card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurately on my consumer reports. I have disputed this account a lot of times and the consumer reporting agencies are still reporting wrong. The high credit is wrong. Each consumer reporting agency is reporting something different. XXXX is reporting {$9600.00}, XXXX {$9600.00} and Equifax is reporting {$10000.00}. The date last reported is super old so it seems like the consumer reporting agencies never investigated the accuracy of this account. The date last active is also wrong. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. I am demanding this account be deleted due to numerous inaccuracies continuing to be reported on my consumer reports. 
XXXX is reporting with XXXX. It is reporting inaccuratelyly. The date last active is wrong. This company has ignored my request for validation so I dont know how XXXX XXXX able to verify this account accurateness when the collection agency will not provide any proof. I am demanding this account be deleted from my consumer reports. 
XXXX is reporting on XXXX, XXXX and Equifax inaccurately. First thing is Equifax is reporting that this account is 120 days late and with payment history. A collection account can not have any payment history whatsoever. Equifax needs to delete this account asap for this. XXXX is reporting a date last active of XX/XX/XXXX. There was never any activity on this account in XX/XX/XXXX so it looks like this account has been reaged and this is illegal. XXXX needs to delete this account asap. XXXX has not conducted any real investigations to make sure the reporting this account is 100 % accurate and I am demanding this account be deleted from my consumer reports. 
XXXX XXXX is reporting with XXXX and this account was never investigated and XXXX has not done anything to ensure this account is reporting 100 % correctly. 
Now, XXXX is not a reliable source to verify or validate the accuracy of any account. So if you fail to delete any of the inaccurate accounts I have mentioned in this complaint I need to see the actual documents and results you received from the creditor or the collection agency because at this point I have given many chances for these accounts to be fixed and you failed to do so deletions are mandatory. There have been numerous of cases when the consumer reporting agencies have been sued for continuing to report inaccurate information on a consumer reports and I really dont want to have to take it there so please delete these accounts.
Product: Credit reporting or other personal consumer reports

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

I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold Credence Management by XXXX XXXX XXXX. I also advised them that if XXXX XXXX XXXX have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an account summary ( ATTACHED ). An account summary validates an amount due, but not validate or verify that the debt belongs to the consumer. They sent me an account summary of charges to validate a debt. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Credence Management company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Credence Management to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts and inquiries XXXX for 6 months Late accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are unverifiable and unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected IMMEDIATELY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

From the Equifax website I understand that my personal data was breached. I felt the best protection available to me is to freeze my credit reports. Today, XXXX XXXX XXXX I called Equifax at XXXX and entered my personal information. At the end of the process a message informed me that they were unable to freeze my report at this time and to refer me to their internet sight XXXX. Once again I entered my personal data. At the very end I was told that they could not process my request at this time. 

I feel that my financial situation is vulnerable and that Equifax, who created the situation in the first place, is not doing their part to help those affected.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm reaching out because I've noticed a significant issue with a tradeline on my credit report that is not being reported with the maximum possible accuracy, as required by law. This discrepancy is in direct violation of the guidelines that ensure the accuracy of credit reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but XXXX and Experian still reporting it. Please update your XXXX ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/year>XXXX XXXX
Product: Credit card

I currently have checking account and savings account with Capital One Bank, and I just recently discovered that someone is using my SSN illegally with a credit card account with Capital One. The account has my information with a fake person 's name on it and my dead wife 's birthday is the birthday on the account. So I called them and ask them about it and they told me that they would not give me any information on it because I was not the main person on the account and that's the reason why I'm getting in touch with the cfpb so I can get to the bottom of this. I also tried to get them to close the account down they would not do that either.
Product: Debt collection

I have been monitoring my credit report every week and just yesterday a company called Diversified Adjustment just out of the blue added a collection on my account which is not mine. Further I disputes it through the credit bureau and Diversified just reported that it was accurate, even though I have never heard of this company, never have received a phone call or a letter from this company. This company has violated the Debt Collection Rule by circumventing the system and just in secret added to my credit report. I want this debt removed from my credit report and this company sanctioned for their illegal practices of just adding negative information to people 's credit reports without them being aware there is even an issue.