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

On XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XX/XX/2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. The responses that Wells Fargo have provided to my numerous complaints have instructed me to file a claim with my bank to reverse the check. My bank has filed the claim with Wells Fargo but has not yet heard back from Wells Fargo. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.
Product: Debt collection

I sent a cease and desist order to Portfolio Recoverys corporate office and billing office. Two of the accounts they are calling for were settled in a court of law. The most recent is currently being paid off now under a new debt settlement offer. They call from multiple numbers. I have kept a record of all the numbers they call from before the cease and desist order and after the order was sent. The cease and desist order was mailed XXXX XXXX. They call multiple times a day from different states. They have no reason to even be calling me. All accounts associated with this unethical company have been addressed In the Justice Court XXXX County, Texas Precinct XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. XXXX. Under Judge XXXX.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) o f the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I have been a member of XXXX XXXX XXXX in XXXX, TX since XX/XX/XXXX. I have had my CD 's and XXXX accounts with them since that time as well as checking and savings accounts. As of this year, I have been requesting reports from BBVA since my inception of working with them as I feel that money has been taken from my accounts at one time or another. My son has also requested reports from the investment side as well, so that we can follow the paper trail and do research on our own to see if and when my accounts with BBVA have been compromised by someone at the bank. In XX/XX/XXXX, I requested information from one of the agents and was told that she was no longer employed with the bank. We have repeatedly asked for our reports from bank statements, statements on my investments, etc, but they do not respond to my requests. 

They would lure me into internal accounts that benefited BBVA on interest rates and not my own. When my CD 's would mature, they would place the money in an " Internal '' account until they moved it somewhere else. They also tried to convince me to place my money in accounts that did not benefit me at all. We have been asking for all reports that show all transactions on all accounts so that we can cross-reference the trail of money coming in and going out. We have not been able to get these reports from the bank.
Product: Credit reporting or other personal consumer reports

I am having an ongoing issue with XXXX XXXX  for several months. It started with a refund that I never received. They do not email you directly, its all through an online system, unless they send you a bill due date or send you a letter saying your payment was processed. I have called at least 20 different times and emailed this company over 30 times, as well as sending them a letter to their po box , which I did not get a response from for 3 months. 
We are still in dispute. They refunded all the late fees being I was not late but will not fix my credit report saying I was late for the month of XXXX and XXXX. 
I have several letters for this company saying 'I will not be charged late fees or shown as delinquent or late to the credit agencies for those months. 
I have reported them several times through XXXX and Transunion, uploaded all of the proof of these letters and Nothing is done. 
I have seen over 50 people having the same type of problems with XXXX XXXX and they are getting away with it. 
What are the credit agencies for? What is the point of sending " proof '' to them if Nothing is done to help the people?? 

Please help me! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Mortgage

I have a {$120000.00} FHA mortgage that was originated on XX/XX/19 through XXXX and serviced through Volunteer Mortgage Loan Servicing. I was under the impression that my MIP would go down as printed on the amortization schedule that was given to me by my closing attorney as I pay down my mortgage. I've paid my mortgage down to {$42000.00} and my MIP has only decreased to {$79.00} from {$85.00}. Looking at the amortization calendar, my MIP should be approximately {$40.00}. I asked Volunteer Mortgage Loan Servicing about my MIP years ago and they just told me that it only changes yearly. My request to CFPB is to verify how much my MIP is supposed to be. It's very disparaging for my MIP to only go down $ XXXX yearly. There was a {$1800.00} upfront MIP. It's sad that FHA is supposed to help low-income homeowners save money but the homeowner will pay way more in mortgage insurance over the 30 yrs than the {$15000.00} assistance. I'm going to do everything in my power to pay off my mortgage in 10 yrs to stop paying this high mortgage insurance and interest.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, .XXXX, Number : XXXX XX/XX/2023 XX/XX/2023 Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the XXXX in regards to civil report filed on my credit report, I submitted the supported documents needed to help the matter. Instead after a few days of researching TransUnion XXXX XXXX XXXX   reported back that the civil matter was indeed accurate but also noted that the matter was dismissed which doesnt show on the report like they stated it would! This information is hurting my rental approval because instead of deleting the report ; they fail to update the matter where it shows the case was dismissed/thrown from court
Product: Money transfer, virtual currency, or money service

I have a TransferWise Borderless account to which I attempted to make 2 deposits in XXXX XXXX XXXX XXXX XXXX  via bank transfer. The deposits are as follows : # XXXX for XXXX XXXX # XXXX for XXXX XXXX Upon receipt of the money, TransferWise flagged the deposits as problematic. When I contacted their support team, they falsely claimed it was because those were " cash deposits '' which they do not accept. 

The attached bank receipts clearly demonstrate they are bank transfers, from a valid bank account at XXXX XXXX in XXXX and in my name, which they have already used to both make transfers from and deposit into. Despite me providing them with those receipts, as requested ( via email and their online document upload tool ), they refuse to hear my plea for a speedy resolution and credit my Borderless account. They still have the money, and the only resolution offered is for me to provide them with a " family or friend 's XXXX  bank account '' to which they would refund the deposits. Alternatively, just today, they offered me to refund them to the very XXXX XXXX account with which they claim they are unable to work " due to government regulations '', as they are a third party. 

These are clearly unfair business practices, and TransferWise 's refusal to credit my Borderless account is arbitrary and groundless.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt XXXX5usc 1692c ( XXXX ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request 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 XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX XXXX XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even XXXX dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.
Product: Student loan

I was enrolling at XXXX college, XXXX, and was encouraged to take out a private loan by the advisor I was speaking to and when she told me that XXXX was not covered by federal loans and that I had to pay out of pocket while in school to be eligible to remain and complete my course of study. I knew I could n't pay that and I did not even have a job so I could not pay if I wanted to. My partner at the time was also present and was asked by the admin department advisor, if he was willing to help me with that portion of the money so I can attend. He agreed and they enrolled me that fast. Now we r not together and he did not pay the loan, I got stuck with it and now I am falling behind what are my options when I did not need to create a debt in order to attend school and now he forgot he agreed to help me pay that. So how does that work, I am trying my best but I am still struggling because of that loan from genesis lending. That service is not even worth the problems a lot of XXXX students have experienced, they ca n't even show you correct detailed information online or on paper for that matter, and now they are getting sued for putting that kind of burden on student 's that are trying to get an education to make money when they when they get a job .... How would I be considered for a discharge on that part of my student loan, I believe that I am paying for something that I should not have to when I did not have income and my ex partner was the responsible party when he agreed to pay that part.???
Product: Credit reporting or other personal consumer reports

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks have already removed the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing.I have already followed the necessary steps, and filed an identity theft report with the FTC. I kindly request your assistance in resolving this matter. 

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

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY EXPERIAN CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ALSO I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE