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

Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name 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 XXXXXXXX Correct Information to Be Reported : - Full Name : XXXXXXXX XXXX XXXX - Correct Date of Birth : XX/XX/year> - Correct Social Security Number : XXXX  - Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX XXXXXXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

I have obtained clear evidence that XXXX XXXX, along with major credit agencies such as XXXX and XXXX, have successfully removed this information from their records. This demonstrates that these agencies recognized the inaccuracies in the data and acted accordingly, further supporting my claim that the information in question should not have been included on my credit report in the first place. This removal serves as a strong basis for my dispute and validates the corrections I've requested. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.
Product: Debt collection

Today a woman from  United Collection Bureau repeate dly called me at work and refused to delete my work number from the contact information unless I gave them another number to call.
Product: Student loan

My student loan was transferred to this company. I submitted my payment plan application in XXXX on the XXXX XXXX  XXXX. This application was still pending in XXXX when I called. The person I spoke to then submitted it over the phone. I am getting emails saying I owe a payment in XXXX, but when I call, they state the payment plan is still being processed. I called again today and the first person I spoke to said the payment plan was processed and that the payment amount is correct, even though I have been told by multiple people that it was not ( on previous phone calls ). I then asked to speak to a supervisor and was hung up on. When I called back, I got a gentleman who said he would submit my application yet again. I told him I would really like a supervisor as this is now the 3rd or 4th time my application has been submitted. He was nice, but would not transfer me to a supervisor. I am very discouraged with this company. I am trying to get my payment plan figured out and have been for almost 4 months now with no clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX incorrectly credited a payment to principal and then reported a 30 day late, when in fact, they had the payment and a I had sent a second payment once I was notified ( only via XXXX XXXX almost at the 30 day limit ) so they had a double payment. I am on a credit monitoring service. I complained to both the monitoring service and XXXX XXXX. I have tried spending hours on the phone to get no where with XXXX XXXX. Their customer service is rude. I have uploaded the complaint letter and documentation to this website. XXXX XXXX never even acknowledge receiving my complaint. In frustration with them, I paid that mortgage off and now that account is closed. I would like to get my XXXX credit score back. Their reporting has dropped my score to XXXX. Please help me fix this error which XXXX XXXX will not even acknowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a dispute with XXXX, XXXX and Equifax about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent an investigation/dispute letter on XXXX XXXX, XXXX to Mindland Funding which was delivered on XX/XX/XXXX, XXXX. According to The Federal Fair Credit Reporting Act 15 U.S.C 1681i Midland Funding had 30 days from the date they receive  my dispute letter XXXX XXXX ) to fix any discrepancys that has been reported to the credit bureaus and/or send validation of the debt. Almost 3 months later I still haven't received a validation of this debt which nor has anything been updated on my credit report. I then decided to write another certified letter on XX/XX/XXXX stating stating I allowed more than enough time to finish the investigation and/or to fix any discrepancys that may be on my credit report. I also stated that I did my own investigation and that XXXX XXXX informed me the debt was sold for less then what is being collected for, with a charge off date of XX/XX/XXXX, and the account was opening on XX/XX/XXXX. This is not what my credit report is showing and according to the Fair Credit Reporting Act and The Fair Debt Collection Practice Act these account are to be deleted due to the lack of accurate information reported and not providing validation of the debt in the time frame allowed by FCRA. 

I received a letter form Midland Credit Management dates XX/XX/XXXX 4 months after the original investigation letter was sent out stating that their records are reporting correct and another letter stating I was pre-approved for a discount program to save me money. There was no validation sent to prove the debt its real or if the amount is correct. ANOTHER VIOLATION OF MY RIGHTS because I specifically request validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Product: Checking or savings account

My sofi account was restricted on XX/XX/year>, the company wouldn't give me any reason why just that were doing a internal investigation, calling gets you no where. They the company Sofia closed my in retaliation to opening a case ( XX/XX/year> ) on here for them to help step in and help solve my issue with soft, but was unsuccessful. But my money has been tie up for a month now. And sofi wants a month to mail me a check, why is my money being held and used to make interest for sofi my money should been released to me the moment they closed my account for no reason
Product: Credit card or prepaid card

Amex serve sided with the merchant after i explained that i paid for 2 seperate vehicles r registration tags. Either of them were done in XXXX -3 days as i paid for. They wete never done at all. Amex proof from tbe company clearly states as they merchant puts it a discount from XXXX for {$280.00}. Now why would XXXX give the company a discount like that on renewal tags for a XXXX XXXX. Because they did not accept payment until i paid a XXXX reinstatement fee thats why. Which i paid after receiving a notice. Then only then wiuld XXXX receive payment for renewal tags. The discount as the merchant puts it was a for a payment that XXXX could not accept. And the merchant was dishonest. He never received the tags or mailed them to me as they indicated to XXXX XXXX. but you think the {$270.00} discount would have arouse some sort of question with Amex. And the reimbursement that they stated was issed to me for a whole different claim. But they were taking credit for issuing me that reimbursement for both claims. They should have never brought that up. It took me 4 months to receive that claim. both were made on the same day with the same results. I want tovtake both the merchant and Amex serve to court. I have tried reaching out to amex but XXXX out of 7 times been disconnected by supervisors because they dont kniw hiw to answer my questions. Frustrating and very unprofessional. Wht would XXXX give anyone a {$270.00} discount. Think about it. I want the full {$320.00} that i paid for expedite service returned back to me.
Product: Credit reporting or other personal consumer reports

My loan matured XX/XX/. It took XXXX XXXX XXXX  6 months to complete the modification. During this time I continued to make monthly payments. XXXX XXXX failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 XXXX XXXX XXXX  still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that XXXX XXXX took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from XXXX XXXX stating that their records were accurate and no correction would be made. It was of no fault of mine that it took XXXX XXXX 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Product: Checking or savings account

On XX/XX/XXXX I received a texted message from my bank, Wells Fargo, through the phone number ( XXXX ) XXXX stating I had spent {$200.00} at XXXX XXXX which I had not. I responded to the text saying " No '' meaning that was not me, and later on I received a phone call from ( XXXX ) XXXX pretending to be Wells Fargo and " helping '' me out with the situation. They told me the person who had gotten ahold of my information was able to reopen my old card and use it to spend money at various places including two XXXX transfers of {$500.00}. They said in order to get my money back I had to add myself as a recipient on XXXX and XXXX myself the money back. The only reason I followed through with this was because they told me I would receive a text with a code I had to read to them which is usually what happens on phone calls with the bank. Additionally, the text came from the same phone number that sends me receipts for my deposits which is an actual XXXX digit Wells Fargo number. They told me my money would be added back into my account in a couple of hours. Once I saw it was never added back, I called Wells Fargo where I was able to speak with a real representative who told me the situation had been fraud, and they filed a claim for me. Now the claim has been closed, and they are unable to do anything because there was no fraud detected on their side although I lost {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit card

They applied my payment to the wrong card and now are sending me past due notices. 

This is totally inappropriate. 

This payment for {$2500.00} should have been applied to XXXX but instead they applied it to XXXX I assume this is damaging my credit and putting my account in default and causing inappropriate and unjustified fees. 

The due date was XX/XX/XXXX, I paid on XX/XX/XXXX, they credited the payment to the wrong card on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Zelle has had a massive issue once it swapped into the chase website for me, wherein I cant confirm that I am sending my payment in to the right person. Additionally, the verification process isnt nearly as robust as XXXX. As such numerous times Ive sent payments to the wrong people and Zelle wont even allow a return once I ask the people if they got their transactions
Product: Debt collection

I traveled to foreign country and was a victim of identity theft/credit card fraud. I tried to resolve the issue with the credit card company, but I have not received any resistance. I also tried to file a police report when I returned to the United States. But was told they can not help me because it was over seas. I also filed an identity theft complaint with FTC. I just want the fraudulent charges and lates removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a loan under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I remembered I get the car Way back 2019 In XXXX sports and Westlake financial services there told me 60 months then suddenly become 66 months and told me I pay only 350 my monthly but in the end they can not register my car in New Jersey I need to travel to Nevada and register my car
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally attempted to work with TD Retail Card Services, XXXX XXXX XXXX, XXXX, XXXX  and also XXXX. I have continued to file disputes regarding a account reporting to my credit report at all agencies. XXXX  deleted the information as their investigation determined the information could not be verified. XXXX  and XXXX  has continued to report this deleted information that XXXX  found as inaccurate or fraud. I have contacted TD via phone, Email and via their own dispute process but have been unsuccessful. After talking with TD they also state they have no account for me. TD says I would need to get XXXX  and XXXX  to delete the info. The credit reporting agencies say it is verified and the responsibility of TD to update the information if inaccurate. 

PLEASE HELP!
Product: Checking or savings account

Hello- I would like to file a complaint against Wells Fargo for failing to stop a large amount of fraud and then failing to reimburse me for their mistakes. 
I was robbed on XX/XX/XXXX in XXXX XXXX ( see police report attached below ) and the thieves stole everything from me including my wallet with all my cards in it, jewelry and my phone- which the thieves got into. With my cards and my phone, they managed to get into my bank account and commit a series of obviously fraudulent transactions ( Wells Fargo processed 33 fraudulent transactions even though I called them on XX/XX/XXXX, XXXX and XXXX to make sure they understood I was a victim of assault and theft and that my cards and accounts had been compromised. I simply don't know what else I could have reasonably done to protect myself in this situation. I repeatedly received multiple case numbers and when we spoke to XXXX XXXX ( Wells Fargo Rep ) on XX/XX/XXXX- he reassured me that all these transactions would absolutely be reimbursed. 

Obviously the reason I am writing to you is because not only did they not protect me from the fraud, even after they were notified of the theft- they now refuse to honor the commitment they made to reimburse me. 

This is wrong and I need your help in order to get Wells Fargo to do the right thing and return my own money to me. The total amount in dispute is {$5800.00}. The police report attached includes images of all the transactions I referenced above. 
It should also be mentioned that XXXX XXXX XXXX XXXX XXXX immediately took corrective action and made sure that I suffered no financial loss. 
It was only Wells Fargo that refused to do the right thing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received a letter from NYS higher education services corporation that a loan was submitted to the collection company XXXX  for a loan taken out on XX/XX/XXXX that was {$3000.00} which I already paid along with 2 others amounting in {$19000.00} and {$27000.00}. The NYS letter has my ex husbands name on it with my social security number. I called NYS and they said it was out of their hands bc it was sent to a collector. I called the collector and told them it was all paid off but now 20 years ago so I do not have the paperwork. Why would they contact me over 20 years and not then? I have no debt and paid off all the other loans so it does not make sense. I XXXX from school in XXXX as a XXXX XXXXr and my ex and I paid off the loans when we sold out townhouse 15 years ago. Up until then we paid them on time each month. What is most concerning is it was his name and my social security number on the first letter sent in XXXX. I called 2 different collection agencies that it was sent to XXXX and XXXX. This is so confusing and I am a XXXX mother who has worked hard post divorce to get my finances in order and have no debt until I saw this from Trellis saying since the pause period has ended for Covid that I owe but does not state on this rent letter how much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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.

The following Account ( s ) : Account # XXXX Original Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1300.00}
Product: Credit reporting

Address that was not mine was listed on credit report. XXXX card was activated under my name and address was changed by XXXX. Charges that I did not make appeared on my statement with this address. Reported to XXXX and they closed account and is investigating. Want address off all credit reports. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN is not my address or has ever been my address.Please see if you can please remove so other credit cards can not be applied with this address. will have paper work to attach as soon as I get from XXXX but would like this on record.
Product: Credit reporting or other personal consumer reports

XXXX is reporting the DATE OPENED of XXXX loans as XX/XX/XXXX ( see TransUnion and XXXX XXXX attached ). The DATE OPENED however are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ( see attached information from XXXX ). 

XXXX is reporting the loans to the credit bureaus, however the last activity/payment is over XXXX XXXX XXXX and negative information should cease being reported per the FCRA. XXXX is in violation of the FCRA. This has resulted in an XXXX pt drop in my credit score and is harming me financially while I am submitting applications for a new home. 

I contacted XXXX by phone on XX/XX/XXXX to request that they correct the information and send an account history. They stated the information would be emailed within XXXX days. They however did not furnish the information requested nor cease reporting to the credit bureaus. 

I submitted disputes with TransUnion ( twice - see attached ) and TransUnion " verified as accurate '', however this is not possible as again, these loans were opened over XXXX years prior. I submitted a dispute with XXXX ( see attached ) however XXXX has not completed their dispute.
Product: Credit reporting

This is follow-up to my previous complaints regarding the XXXX XXXX XXXX, who continues to report negative reporting for my mortgage account to all the credit bureaus that I was late/delinquent for my mortgage account. This is completely untrue as I 've proof that my payments were made on time and cleared my checking account into my mortgage account at XXXX XXXX. Attached are the screen shots indicating that. XXXX XXXX agreed to waive the late fee, which should have never been assessed in the first place. I 'm just frustrated with this bank and their lack of professionalism and customer service. Resolving any issue with them is talking to a brick wall. Their people always claim that the customer is at fault.
Product: Checking or savings account

In XX/XX/XXXX I was heavily encouraged by Wells Fargo to open a safe deposit box. I opened the account on XX/XX/XXXX and never used the box. In XX/XX/XXXX we relocated to New Mexico and I closed my safe deposit box because I had never used it and it would do me no good in XXXX, Wyoming. I did continue banking with Wells Fargo utilizing a savings account, checking account, and retirement account -- all of which are still in use today. I never heard anything additional in regards to the safe deposit box, and didn't anticipate to since I had closed it in the branch prior to moving. On XX/XX/XXXX Wells Fargo removed {$40.00} from my savings account to pay for the safe deposit box they claim was never closed. Not only had I closed the account over 4.5 years prior I have never given Wells Fargo consent to withdraw any of my funds for any reason. On XX/XX/XXXX they deleted the transaction and credited back my {$40.00}, but they are not willing to close the safe deposit box I already closed without me jumping through hoops for them, and the representative I spoke with today informed that they could not assure me they would not take my funds again in the future if that account shows open.