23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Case Number : XXXX Account Number ending in : XXXX Consumer Financial Protection Bureau, Case Number XXXX XXXX XXXX XXXX first let me say thank you for responding to my concerns. However, I do not feel that this matter was thoroughly reviewed and that my issues have not been properly addressed. I will explain why below : About the claim : On XX/XX/XXXX, claim number XXXX ( Reference Number XXXX ) was created to dispute the transactions totaling {$1500.00}. The claim was denied and unpaid. The Claims Assistance Center determined that the transactions were authorized or that a processing error did not occur. The provisional credits of {$500.00} and {$1000.00} were reversed from the account ending in XXXX on XX/XX/XXXX and on XX/XX/XXXX. Were you aware that when the dispute was first filed that my funds were initially reversed and returned to my account? Should the funds have been reversed at that time ( XXXX ) if the investigation was still pending? It was not until XX/XX/XXXX and XXXX of XXXX that the funds were then reversed and deducted from my account for the reasons you gave above. Can you advise as to why 3 months ( XXXX ) and then 5 months ( XXXX ) funds were deducted from my account from a dispute I filed in XXXX?
Product: Checking or savings account

I was payed today ( XX/XX/2023 ) by my job direct deposit to my Wells Fargo account of {$1000.00} but i had an overdraft of - {$110.00} so that left me with {$900.00}. I just checked my account around midnight to make a money transfer to see i now have an available balance of {$1.00}. In my transactions it shows XXXX took {$900.00} in four different transactions that were all unauthorized. I dont know how this happened but please i need help in getting my money back its all i had and i have to pay bills, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because the XXXX credit bureaus did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to formally request the removal of several accounts that have been fraudulently reported under my credit profile. My identity and personal information were compromised, leading to the unauthorized opening and reporting of the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX These accounts were neither opened nor authorized by me, and their reporting constitutes a violation of my rights under the FCRA, specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring my right to privacy and protection from inaccurate credit reporting.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent.

I have attached supporting documentation for your review, including a personal statement regarding my XXXX  situation and any other relevant records to assist with the verification and removal process. 

I kindly request your prompt investigation and removal of these accounts from my credit profile to restore its accuracy. 

Thank you for your attention to this matter. Should you require additional information or documentation, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : -- XXXX -- XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX -- EQUIFAX -- XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX ( pre-pandemic ) I used my American Express Delta SkyMiles Reserve card ( ending XXXX ) booked a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

The trip was originally scheduled for XXXX XXXX XXXX but then the pandemic hit. We delayed the trip twice, ultimately rescheduling our stay to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We arrived to the hotel and it was not as advertised in photos etc. The room ( and entire hotel ) were in complete disrepair and everything was filthy. This was a premium-rate hotel for XXXX XXXX XXXX XXXX the conditions were uninhabitable. My husband and I couldn't even get through the first night, as the disgusting mattress was completely worn and impossible to sleep on plus there was no heating. 

At XXXX we began a search for another hotel but almost everywhere was booked due to the XXXX XXXX We finally found a place for the following night and informed XXXX XXXX XXXX management that we'd be checking out immediately. Unfortunately the new hotel was only available that one night, so that following night we had to move to yet another hotel. Then a couple days later needed to change rooms again due to unavailability. By the end of our XXXX XXXX XXXX we had stayed in a total of XXXX hotel rooms, which was not the XXXX XXXX we had in mind. 

We had corresponded directly with XXXX XXXX XXXX XXXX XXXX and email to demand a full refund, but even after acknowledging all the problems, all they were willing to offer was a completely free stay at one of their other properties. But why would we entrust the time and expense of another trip with a hotel who'd already proven to be disreputable. 

Anyway, all of this was thoroughly reported when I disputed the original transaction of {$2900.00} ( XX/XX/XXXX ) plus a disputed second transaction of {$600.00} ( XX/XX/XXXX ) from when we added a night to our stay before knowing what was to come. All documents, transcriptions, and photos were provided with the disputes. 

While the {$600.00} transaction dispute is still " pending investigation '', the original {$2900.00} transaction dispute was rejected because American Express " did not receive it within the required 60-day period ''. But how could I dispute a transaction for a hotel stay within 60 days if I've not even stayed there yet? What are the benefits of using my American Express card if they're not even protecting me? No one from American Express even bothered to make any attempt to contact me with further questions or anything. 

Overall American Express ' customer service, particularly with serious matters like disputes, has gotten so sloppy and time-consuming to deal with. I literally spend countless hours of my time trying to get anything resolved. So here I am complaining to the CFPB.
Product: Mortgage

My mortgage is with Wells Fargo. WFHM offered a forbearance on my loan due to COVID 19 that is supposed to be extendable in 3 month increments as needed for up to12 months under the CARES Act. The original period covered the XXXX, XXXX and XX/XX/2020 payments. The first 3 month extension covered XXXX, XXXX and XXXX payments. The current and 2nd 3 month extension would cover XXXX, XXXX and XX/XX/2020. There is one addtiional 3 month period that can be requested that would cover XXXX, XXXX and XX/XX/2020. 

LONG STORY SHORT : The forbearance extension is supposed to be readily available as an option, and does apply to this mortgage, which was verified in detail when the 1st extension was placed. Depsite over a dozen request over a 3+ week period, I still have not received correspondence verifying if the second 3 month extension is approved. No letters. No verification calls. No updates to the website ( which application link has been broken several times ).

Instead, I am treated to myriad of excuses and stall tactics such as : > you have to apply again > we need to do a review to make sure you are eligible > we need additional time to complete a review of options for your loan/investor > we are just overwhelmed by COVID and so many other BS time-stalling stress-causing excuses. I have made direct requests on line through the portal, sometimes
being directed to call in and sometimes not. I have spent countless hours on hold and dealing with WFHM staff who require that I repeat all of the information that I have submitted. I have escalated within the company, even having had multiple discussions with WFHM executive offices including phone bank members of the Executive Vice President, Despite all of these efforts, I am still no closer to finding out when the forbearance extension will be issued.

The correspondences I have received are all consistent with " ask and you shall receive '' and/or repeat the same generic information that I still need to apply ( again which I have done so so many times  since mid XXXX ). 

TODAY is XX/XX/2020, which is 1/3 of through the month of XXXX, and I can't even get basic directives as to if and when the forbearance will be approved ... WHICH IS XXXX!! If I am to resume payments, which I would do if the fallout of COVID were not still ongoing and I could expect my income to recover, but that is not the case. It is not right that I am left hanging. It is not right that I am getting conflicting information. Etc.

WHAT NEEDS TO HAPPEN TO GET THIS RESOLVED??? WFHM needs to simply approve the extension AND make sure that the next round is drama free.

If I do not get satisfaction, I am ready to reach out to my elected officials and consumer media to draw attention to the cat and mouse game that Wells Farge is playing. They are toying with my  mortgage, my finances and my peace of mind. I know I am not alone, but this XXXX HAS TO STOP!! 

Please help me extend the forbearance now, with no ambiguity, this round and next ( if that is necessary ). Make them be responsible or find someone who can make things happen. 

I NEED THE FORBEARANCE APPROVAL NOW!! 

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

Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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. 

I have asked XXXX, and Transunion for proof that this Financial credit network account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that XXXX XXXX and Transunion feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX XXXX with a response telling me to provide a copy of my Id and social after that no more responses. I have tried calling XXXX XXXX network and they are very rude and mean. and just tell me they are going to sue me and take all my earnings. 
so my question is if I cant get propper validation from XXXX XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter
Product: Credit reporting or other personal consumer reports

My payment history has always been consistent, and these late payments don't reflect that at all.
Product: Mortgage

Loan was sold from XXXX XXXX XXXX to NationStar and I refinanced with the servicer shortly after transfer in response to several solicitations. With XXXX XXXX XXXX, I had bi-weekly mortgage payments automatically set to deduct from my checking account. Once transferred to NationStar, the service is not available to be honored - they utilize a XXXX party vendor ( XXXX XXXX ) however, they charge a {$290.00} set-up fee and a standard monthly service fee ( I 'm okay with their monthly service charge, as this is standard across most convenience payment platforms ) My concern is that the NationStar servicer discourages clients from making bi-weekly payments and their website only allows payments in full. NationStar directs clients to XXXX XXXX where the XXXX representatives advise that NationStar will RETURN any payments which are not for the full monthly amount due.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate collections reporting from my credit report. Upon reviewing my credit report, I discovered that there are collections accounts listed that contain inaccurate information.
Product: Student loan

First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.