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

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( TransUnion and XXXX ) and XX/XX/XXXXXXXX  ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX  Account Number : XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Date Reported : TransUnion : XX/XX/XXXXXXXX  XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Payment Status : TransUnion : 30 days late ( XX/XX/XXXX ) XXXX : 30 days late ( XX/XX/XXXX ) XXXX XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : TransUnion and XXXX report a late payment for XX/XX/XXXX, while XXXX reports it for XX/XX/XXXX. 
XXXX inconsistently lists the account as both " Current '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : TransUnion and XXXX state : " Dispute resolved ; customer disagrees. '' XXXX states : " Consumer disputes after resolution ; closed or paid account/XXXX  balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages. 
Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information. 
Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt. 
Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting 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. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX BANK XXXX XXXXXXXX has violated my rights. 

XXXX XXXX / XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX BANK XXXX has violated my rights. 

XXXX  XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX BANK XXXX has violated my rights. 

XXXX XXXXXXXX BANK XXXX has violated my rights. 

XXXX XXXX  CARD XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX BANK XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX CARD SERV XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

CHAPTER XXXX BANKRUPTCY DIS. XXXX XXXX XXXX GEORGIA XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission 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.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports, This Account Does Not Belong to Me, Please Remove. FCRA XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have already reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the entity responsible for the inquiry, requesting the immediate removal of their credit inquiry from my profile and the cessation of their illegal activities. However, I have not received any response from their office within the XXXX business days since sending the letter, and my request has not been honored.
Product: Credit card or prepaid card

Hello CFPB, I am writing to you to report a credit card company that I have had a relationship with for several years and have had a good history with who refuses to lower my interest rate. I have called yearly for the past several years and have requested a drop in my interest rate and have been told repeatedly that I am not eligible for any drop in my rate at this time. In all of the time I have had this card I have had 1 ( one ) late payment that was not more than 30 days and my interest rate was raised. I have had a good history with this company before this incident and have had a good history after this incident and have been repeatedly told that I am not eligible to have my rate lowered. I also receive call from someone trying to gain access to my account and personal information claiming to represent this company and when I reported this call to the customer service representative I was told that she had received these calls as well but there was nothing she could do about it and seemed to be careless in regards to attempts on customer 's information. I asked her if she was going to file a report so her company could investigate this and she replied " Nah, this type of thing happens all of the time ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought some {$70.00} product from sears last year they gave me sears card and asked me not to pay at store they will email me online link to pay which i never received. There were no followup regarding payments and i was waiting for the email which never came. After 4-5 i started getting call asking me to pay XXXX $ as it went to late payments. They tricked me as i was new and did not know about the process. I paid the around XXXX $ and asked them to close the account. This made my credit score fall down to some 500. I always made payment on time even before time but because of this fraud I am still suffering. I was student and couldnt afford a car or loan as my credit score was so low just because of sears which was made by them. They never called me, they never emailed me anything and kept it for 4 months and then stared calling me asking triple time what my actual balance was. 

After making clear all balances also my score is not going up. 
I really need help and want my score to go up as the things which is affecting my score is not correct it was not at all my fault it was sears which made all this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I went to Wells Fargo at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I wanted to wire transfer a couple of securities to my XXXX XXXXXXXX account. The XXXX told me that they can do it but will not do it for me.
Product: Credit reporting

I requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a report from Telecheck in XXXX and later that month received such report dated XX/XX/XXXX. 

To my surprise, the report listed four different items, all dated XX/XX/XXXX. All were NSF checks to XXXX. I have been an XXXX XXXX member for 20 years, at least, and have/had no idea that one could write a check to XXXX or how one would do so. Worse, not only did the report list each of the four items as " NSF, '' but each carried an unpaid balance. 

I immediately called XXXX and was connected to several different employees in the Financial Department. Not one person could find anything negative on my account. I spent thousands of dollars a year at XXXX and would think that if I did owe a balance dating from XX/XX/XXXX, XXXX would refuse to let me continue to order without the matter being resolved. 

On XX/XX/XXXX, I sent a letter to Telecheck XXXX XXXX XXXX explaining that I had already spoken to the alleged Creditor who denied all knowledge of the debt. Under the FCRA, I invoked my right to have Telecheck verify and validate each one of the four claims within thirty days. I stated that if Telecheck could not provide me with any evidence or documentation, then they should immediately delete all references to these items. 

Today, XX/XX/XXXX, I received a message from Telecheck dated XX/XX/XXXX, which ignored the content of my letter and contained only an extremely comprehensive form to report forgery, counterfeiting and identity theft. First, the information they request is, or should be, in their possession. The form also requires me to do extensive work ( I.e., speak to my former bank and try to get a statement from that time, attach a police report, an FTC Identity Theft Report Affidavit, etc. ). It appears that Telecheck wants me to disprove that these accounts are mine instead of living up to their duty to perform an investigation. A simple call to XXXX, such as the one I originally made, could confirm that these charges are not mine rather quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

XXXX- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX Equifax- Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.
Product: Mortgage

I spoke with my mortgage company, Dovenmuehle, on XX/XX/2020, about my XXXX XXXX XXXX and putting it into forbearance for the immediate future ; since my business is considered Non-Essential in the state of Nevada and is closed until the Governor lifts the ban. 
Dovenmuehle indicated they would put my mortgage in forbearance for three months, then they promptly withdrew my mortgage payment ( {$1000.00} ) for the month of XXXX on XX/XX/2020, 9 days after I spoke to them. 
When I called and confronted them about that on XX/XX/2020, they indicated it was because my payment was set up for auto-draft and that wasnt turned off on their end, so my payment went through when it didnt need to. I asked for the money back and they said no. I asked for auto draft to be turned off and they obliged. I then asked for 6 months of forbearance because my business will not be back up and running until XXXX and the lady I spoke to said that wasnt an issue. 
Last week I received a letter from Dovenmuehle stating the terms of the forbearance. They indicated it was only for 3 months and that after the 3 months there were 3 options for the mortgage, which they, Dovenmuehle would decide upon : 1- Bring the loan current. 2- Work with the XXXXr to obtain another workout plan. 3- Pay the loan in full.

None of these options will help me get through the hardship that I am facing, and they are NOT what the CARES Act stipulates. The CARES Act says that the forbearance period can be 2, 180 day periods and that the options of repayment are to be decided by the borrower, ( me ), not the lender, ( Dovenmuehle ) and that one of the options is that the missed forbearance payment can be added to the end of the loan, extending the loan term ; an option that wasnt given by Dovenmuehle.

I called Dovenmuehle back on XX/XX/2020 and was told that the forbearance is only 3 months and no more and that the 6 months I was told was incorrect, but that they had turned off my auto-pay for 6 months. I was also told they would not honor the CARES Act and extend my loan and that the only options were option 1 and 3, not even option 2. When I called her out on the contradiction she was telling me and what the CARES Act states, she would not listen to me and said that these were all they were offering, so take it or leave it.

When I pressed her on the forbearance that they were offering and told her that in 3 months there was no way I could pay the entire amount of my mortgage loan in one lump sum, i.e. option 3, she was like oh well, too bad. I also made mention that because the forbearance was only 3 months and my auto-pay was turned off for 6 that after the three months, my payments would have not been made, unbeknownst to me, and that at that time they would have foreclosed on my home for non-payment and she pretty much agreed that would have been the outcome! I asked to speak to someone else, a supervisor and she said no, they will tell you the same thing. 
I told her to reinstate my mortgage, out of forbearance and to turn my auto-pay back on. I have heard nothing further from them regarding this matter.
Product: Checking or savings account

My spouse, XXXX XXXX has filed several complaints with the CFPB, most recently complaint ID XXXX. In that they have continued to maintain that SoFi has made the business decision to close the account, and that she is not due any further funds. I would make two separate notes relative to that 1 ) the {$400.00} to fund the SoFi account was from a joint bank account of which she is an owner. These funds have still not been returned to her or myself.

2 ) The two paychecks listed below that were paid to me, were deposited in her account. While it was an honest error that these funds went to an account that I did not realize was not setup jointly, there have been no attempts to return the funds to the originators. I have notified my employer at XXXX and can be reached via phone at ( XXXX ) XXXX regarding the situation and that the funds XXXX ultimately be returned so they could appropriately be returned to me. I am providing payslips and the opportunity to provide XXXX any additional information needed to expedite the return of these funds to me. The funds were frozen in XX/XX/year> and there has been no ETA for the return of these funds. While I respect the business decision of SoFI to close the account, I respectfully request that they take adequate due process to work with me such that the funds are returned to the originator in a timely manner.
Product: Mortgage

My issues started when my mortgage company was Mr cooper and I signed up for their covid forbearance program for the 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I returned to work and called Mr Cooper multiple times, each time I was told that they were working on the resolution of my program and it would be fixed within 30 days. It was never fixed. I made each and every payment after my three month forbearance on time and sent extra each month. I was told my payments would return to normal and the three months I did not make a payment would be attached to the end of my loan extending it. I started to get demand letters from Mr Cooper XX/XX/XXXX, I also received a deferral agreement for the past due amount dated for the same date. They reported me to the credit beaure twice. I spoke with a representative each time I received a letter. They transferred my mortgage to Right path XX/XX/XXXX without this issue being resolved and had to start all over with them explaining I have never been late on payments that I did the forbearance program. I couldn't get through to a person because the automated phone said I wasn't a customer. I emailed them on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative named XXXX and another XXXX in Florida on XXXX. Without a resolution. On XXXX I received a letter from Mr Cooper stating their demand letters were in error. 
They made a modification of my payments and lowered them to XXXX for the last three months. I explained to the representative that I did not need or want my payments lowered that I have not been late on a payment yet and send extra. She said I had no choice If I wanted this issue fixed so I agreed. When I look it says modifications of payments is complete and they will have sent me documents in ten days this has been almost three weeks and I have not received documents and my account on the web site says I am still behind in payments. Plus there are unapplied funds every month that I don't understand ranging from XXXX to XXXX. 
When they transferred my mortgage from Mr Cooper to Right path all my online communications were gone. I'm not sure what to do with this mortgage company but feel I need someone to help me resolve this issue because the right hand does not know what the left is doing in their company and they are now effecting my credit.
Product: Checking or savings account

This is a second complaint submission I have continued to try multiple times to rectify this claim with Wells Fargo directly. Ive contacted the executive office several times as well as high dollar fraud office with Wells Fargo stated its a XXXX XXXX issue and XXXX XXXX states its a wells Fargo issue. My initial claim # XXXX. My police report # XXXX. 

COMPLAINT My account was hacked three times thru Wells Fargo. The charges were all taken from XXXX XXXX from my account to some XXXX XXXX account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to XXXX XXXX were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru XXXX XXXX and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single XXXX XXXX XXXX. 
Might I add if I wouldve been able to withdraw and close my account at Wells Fargo as I tried to this wouldve never happened. I was divorced during covid and only had an online printed copy of my divorce decree which showed my name change. The branch did not allow me to withdraw or close my account due to a difference in last names even though I provided my old license that showed my prior last name of green. I did in fact go to the court to pay for a certified copy of my divorce decree and went into the branch to withdraw my funds after this 3rd hack and little he known the representative at the branch did not even ask me for the certified decree! I need a resolution between XXXX XXXX and Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

United Revenue Group Original Creditor : Medical Payment Data Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$840.00} Account No. XXXX Amount : {$810.00} Account No. XXXX Amount : {$770.00} Account No. XXXX Amount : {$680.00} Address : XXXX XXXX  XXXX, # XXXX, XXXX, Texas XXXX Phone : ( XXXX ) XXXX ext. XXXX I have disputed these multiple entries for United Revenue Group several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between United Revenue Group and myself for repayment. To this day, I still have not received a response. I've sent correspondence on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.
Product: Debt collection

I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and Pioneer Credit Recovery, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but Pioneer Credit Recovery and XXXX have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, Pioneer Recovery, and XXXX participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.
Product: Credit card or prepaid card

My stimulus was sten off this card I didn't even receive it to set up pin or anything.. my identity was stolen my first and second stimulus was frauded I did not authorize anyone to use my card better yet activate and use all my funds. I'm asking the bank for my XXXX chargeback pleasse