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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX Dispute Department po XXXX XXXX XXXX, PA XXXX Subject : Dispute of Account Information for XXXX XXXX XXXX ( # XXXX ) Dear XXXX, I am writing to dispute inaccurate information on my credit report, which I accessed on XX/XX/XXXX. The following account details under XXXXXXXX XXXX appear to contain errors that must be corrected immediately : Original Creditor : Incorrectly lists XXXX XXXX 
Balance : Displays {$1300.00} as of XX/XX/XXXX, despite being listed as paid off in the same report. 
Status : Missing clarity about the status of the account, as it reflects conflicting data ( Paid Off and still showing a balance ). 
Payment History : No payment history provided, which makes it impossible to verify reported data accuracy. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which requires information reported on credit reports to be accurate, verifiable, and complete. Please investigate and address the following : 1. Confirm the original creditor and clarify whether the account was transferred or sold.

2. Correct the balance to reflect the true status if it is indeed Paid Off.

3. Verify or provide complete payment history for the 24 months referenced.

Enclosed, I have included supporting documents : A copy of my credit report highlighting the errors.

Any relevant account statements that substantiate my dispute.

I kindly request that you resolve this dispute within the legally required 30 days and notify me of the outcome. If the disputed information is found to be inaccurate, I ask that you promptly update my credit report and provide me with an updated copy.

If you need additional information from me to complete your investigation, please contact me at the information listed above.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a savings account via XXXX aka Webster Bank and have attempted numerous times to enroll in their online banking system which always errors out and asks me to call the XXXX number and I have had numerous phone calls with the XXXX number and they have not been able to help me. Now I am trying to close the account that I have not had access to and they can not /will not let me close it.
Product: Mortgage

I file for Chapter XXXX Bankruptcy protection, and requested the federal court to issued a Temporary Restraining Order against SPS the mortgage servicer to prevent the sale of my XXXX House, on XXXX XXXX, 2015 the court Grand me a Temporary restraining Order against SPS ( Copy Attached ) but the following attorney for the SPS, XXXX XXXX, requested a sale of the property that at the same time we were working in a mortgage modification ( Dual Tracking )., at the same time I was communicating with the case manager XXXX XXXX XXXX continue to tell me that the SPS will stop the sale as long I provide all documentation witch I did. they request the sale to be schedule by XXXX XXXX, 2015, and the day of the sale the Judge denied the motion to cancel the sale but it was a clerical error so the sale it was schedule for XXXX XXXX, I contact the SPS Case manager XXXX and she told me that they will vacated the sale,. at the day of the hearing the SPS attorneys did not show so the Judge continuo with the sale., the property it was sold XXXX XXXX violating Federal Bankruptcy Rules and CFPB Rules like ( Dual Tracking )
Product: Credit reporting, credit repair services, or other personal consumer reports

After my 2nd attempt to correct my address to include only one address, nothing has changed.
Product: Credit reporting or other personal consumer reports

Request to Remove Incorrect Name from Consumer Report Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my consumer report that requires immediate correction. My name is XXXX XXXX, however, there is an incorrect variation of my name listed on my credit report as " XXXX XXXX XXXX. '' Upon reviewing my credit report, I was alarmed to discover this inaccurate information. In light of the increasing incidents of identity theft, it is crucial to ensure the accuracy of personal information on consumer reports. As a responsible individual, I take the security of my personal information very seriously, and any inaccuracies could potentially impact my financial well-being. 

I assure you that " XXXX XXXX XXXX '' is not a valid variation of my name, and I have never used this name in any official capacity. It appears to be a case of mistaken identity, and I kindly request that you promptly remove this incorrect name from my credit report. 

I understand the importance of maintaining accurate consumer information, and I trust that you will take the necessary steps to rectify this error in a timely manner. Please let me know once the correction has been made, and feel free to contact me if any further clarification is needed. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$26000.00}
Product: Vehicle loan or lease

My auto loan started in XXXX ... ..Key Bank has sent me forms to set-up auto-pay ... .I have filled out the forms and the first time they said they did not receive the void check to verify my numbers ... .yet I provided all routing and account # 's ... .So they charged me a late fee ... ..waiting for auto-pay to come out of my account which I provided ... ..did not happen again .... charged me a late fee ... .said it takes 2 months for it to process ... .paid 2nd payment with late fee ... ... sent paperwork out again, said my wife needs to sign letter because her name is also on the check ... .not for signature just on the address part ... .They want me to do paperwork ... again ... ..This is nothing but a scam to charge late fees!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX ) I was trying to open an account with XXXX. Howerver, I was unable to open an account because the information I provided to XXXX and TransUnion did not match. 

I was informed by XXXX XXXX account that TransUnion provides free credit report and that I should look at the credit report and make changes as required. 

I try to get a credit report, but it turns out I will be charged XXXX per month. I was however not aware of this while providing my details as this information was hidden under a star. I provided my credit card information, thinking that this was part of the identity verification process. As soon as an account was created, XXXX was charged to my credit card. 

I immediately called them and asked me to cancel their service and issue me a refund. They canceled my service but REFUSED to provide me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ) stating that I owe PayPal {$480.00}. As of today I have a XXXX balance in my PayPal account. I called XXXX to discuss the letter but my call was dropped before I could speak with a representative. I called PayPal and informed them of the letter and PayPal is investigating after confirming I owe PayPal no money.
Product: Credit reporting or other personal consumer reports

Navient decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX stated that they had a crash in their server and Navient took back their loans. Keep in mind, XXXX XXXX NOR NAVIENT notified me of any discrepancy. XXXX loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was Navient decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.
Product: Vehicle loan or lease

XXXX purported leases were actually credit, and that Acima and XXXX violated the Consumer Financial Protection Acts ( XXXX ) prohibition against unfair, deceptive, and abusive acts and practices by : misleading consumers regarding the nature and terms of XXXX agreements, including their exorbitant cost ; materially interfering with consumers ability to understand the terms and conditions of those agreements ; effectively locking consumers into these high-cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns ; misrepresenting consumers ability to return goods and the means by which returns could be accomplished ; misrepresenting to consumers that their contracts required the maintenance of autopay ; and providing deceptive advertisements and training to merchants, that created the likelihood that merchants would misrepresent the terms of XXXX agreements, mislead consumers about the ease of returns, and create confusion about whether XXXX product was credit or a lease.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 reporting, credit repair services, or other personal consumer reports

I have received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time
Product: Mortgage

On XX/XX/XXXX, One Reverse Mortgage LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX gave my sister a reverse mortgage of {$30000.00} on the family home that I owned. I had given my sister a life estate in XXXX and allowed her to occupy the property until her death because she had no place to live. The life estate provision was spelled out in the 1st paragraph of the Deed. Upon my sister 's death in XX/XX/XXXX, I discovered that she had obtained the reverse mortgage without my consent. As per HUD 's LIFE ESTATE PROVISIONS rule from HUD XXXX related to XXXX, if an eligible mortgagor holds only a life estate when the mortgage is executed, all holders of any future interest in the property ( remainder or reversion ) will also be required to execute the mortgage to ensure that the mortgage is secured by a fee simple interest. My understanding of the HUD requirement is that she SHOULD NOT have been permitted to obtain a loan without my signature or consent and that I should have participated in the counseling process, neither of which occurred. Therefore, this loan was made illegally. The loan was transferred to XXXX XXXXXXXX XXXX XXXX, and I had to pay them over {$20000.00} to reclaim my property as my sister had become ill before she passed and had not paid the homeowners insurance which caused the house to head to foreclosure which I discovered when I attempted to transfer the house back into my name. Per XXXX, the original lender is no longer in business and was acquired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I was unable to discuss the loan with anyone at XXXX XXXX XXXX  because my niece ( my sister 's daughter ) was the administrator of her estate. However, the company did accept the funds I sent to get the house back and released the lien. It's my belief, that I should not have been liable for paying back a loan that was illegally made. I had to get a personal loan to pay the balance due and recently did a quick sale on the house to get money to pay back the personal loan. I contacted FHA about this issue to clarify my understanding of HUD XXXX but kept getting bounced around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint after complaint about this issue. I called and paid my debt with Well Fargo. Submitted my complaint. Every couple of days Wells Fargo & XXXX are changing the status of my settled account. Today after waking up I was informed that Well Fargo updated my account to severally delinquent and past due. Dropping my over all score by 100 plus points. I am in the middle of buying a house. Ive submitted my letters proving payment and Wells Fargo even stated in my last complaint that the account was settled. Im at a lost at what I can do? Please take a moment to correct this account. This is absolutely absurd. If I end up losing the house ive spent thousands on because this account is reporting wrong legal actions is going to have to be taken. Thank you.
Product: Mortgage

My wife and I submitted a hardship request for a loan modification with Amerisave mortgage in XXXX of XXXX. They initially requested that we send supporting documents such as pay statements and bank statements. This process continued for months without any resolution, so we hired XXXXXXXX XXXX XXXX XXXX  out of XXXX XXXX, CA ( {$4000.00} ). to assist us in our effort to communicate with Amerisave effectively. This process with the XXXX XXXX started in XXXX of XXXX. Even with their assistance, we still had problems with Ameirsave working with us in a timely manner. All along we were getting further and further behind on our mortgage. However, the agreement with XXXX  was to pay them to communicate with Amerisave and our payments would be halted until an agreement was reached with Amerisave on a modification. Finally, after back and forth communication with Amerisave over a 7 month period, Amerisave finally sent us a modification agreement. We signed the agreement and started our trial payments. However, on the last payment, I spoke with one of the loss mitigation reps to set up the payment to come out on the first of the month. The payment posted on XXXX the XXXX to our account, but Amerisave said that it post on their end on the XXXX of XXXX, which they say voided the trial plan agreement because the payment posted early. This incident showed up on our credit as a late payment. We finally got that issue resolved with the help of XXXX XXXX and the final modification paperwork was sent to us and we signed and returned it around XX/XX/XXXX. They initially said that it take about 2 weeks for them to the finalized modification to with the amount of the new mortgage payment. It has now been a month and the finalized papers has not yet been sent. Our credit is still showing our mortgage is behind, but it is not. We have continued to make the payments since we completed the modification. This has been a very stressful process and we sincerely feel that Amerisave has dealt with us unfairly and unjustly. We are now in a better position to handle our mortgage, and would like to move pass this process. Your assistance in bringing this matter to completion would be greatly appreciated.
Product: Debt collection

For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX provided me with documentation assuring that they have never reported me late. Equifax has it as I was late the month of XXXX and XXXX. I provided this information to the credit bureau Equifax, and they have done nothing this is unacceptable. They are violating 15 U.S. CODE 1681 ( a ) By reporting in accurate information. the late payment is hindering me from being able to obtain credit or buy a home for my family.
Product: Credit reporting or other personal consumer reports

I have communicated with TransUnion prior to date of : XX/XX/year> in which, I have challenge the accuracy of 'two accounts ' that have been on my TransUnion Credit report ( given to me by TransUnion ). 

XXXX has Investigated the same incidents below and have 'REMOVED AND DELETED ' the Inaccurate information ( see attached ) these two accounts are : 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  ) ''I DO NOT HAVE A BINDING AGREEMENT NOR A CONTRACT WITH THE TWO ABOVE ACCOUNTS ''. 

On XX/XX/year> TransUnion has updated those two accounts ( please see Uploaded documents ), thus Proving that TransUnion has been REPORTING INACCURATE information prior to date : XX/XX/year> in which has been Violating my rights under the following : My rights have been violated : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.

15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

TransUnion is reporting Inaccurate information pertaining to my 'Last Name associated with my Social Security Number '
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm simply wondering how long its going to be before the credit bureaus remove accounts from my credit report which are 7 years old. Even more so because I disputed the accounts with them and its been 41 days without a response from any of the three bureaus. I even sent them a copy of my social security card and my license to tell them who I am because my name is common. 

These collections are really hurting my credit and I need them gone because they shouldn't be on there anymore.
Product: Credit reporting or other personal consumer reports

Dispute 1- XXXX ( XXXX XXXX XXXX ) XXXX : Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and Remarks Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. 
The report shows I was late on above mentioned dates, The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. Please find a history of my payments with XXXX XXXX XXXX, indicating no late payments. 
I have attached a copy of my report with the accounts in question circled. 

Dispute 2 - Synchrony Bank / Care Credit XXXX Source of dispute information : Credit Report Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX, and XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. 
Please find my bank statements from XX/XX/XXXX and XX/XX/XXXX, disputing the charges in question. 
Dispute 3 - XXXX XXXX XXXX Source of dispute information : XXXX XXXX Type of disputed information : Accuracy of Reported Late Payments and ReMarks Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : My report includes remarks for late payments which are in accurate. I dispute these charges and I dont recognize the late charges in question. There are conflicting reports on the accuracy of a false late between on the other 2 credit bureaus as well. 
Please find my bank statements from XX/XX/XXXX, disputing the charges in question.