23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to address a recurring issue I have been facing with late fees on my mortgage payments. This is not the first time I have encountered this problem with UWM, and I am increasingly concerned about the impact it may have on my credit score. 

As of today, XX/XX/XXXX, I have received a bill indicating that I am late with my XXXX payment and that I am required to pay a late fee of {$110.00}. I have set up a monthly recurring payment on the XXXX of each month, well in advance of the due date on the XXXX of the following month. This setup ensures a three-day gap for processing, and I have confirmed with my XXXX XXXX bank that the funds are available for the transaction. 

Upon checking with XXXX XXXX, I have verified that the payment is processed through e-payment, and any delay should still ensure receipt within the stipulated three-day timeframe. However, UWM claims they did not receive the payment until XXXX weeks later than the due date. This discrepancy is perplexing, as I have a longstanding relationship with XXXX XXXX, and my records demonstrate timely monthly payments. 

I have encountered this payment processing issue with UWM on multiple occasions, and it is both frustrating and unacceptable. I understand that my late fee for this instance will be waived, as per my recent conversation with UWM customer service representative. However, I am concerned about the lack of documentation or confirmation provided regarding this resolution. 

I shouldn't be charged again for this late fee, and I am seeking written confirmation of the late fee waiver for my records. This is crucial to avoid any negative impact on my credit score and to prevent any potential legal action resulting from repeated late payment claims. UWM refused to provide me late fee wave confirmation document. 

I value my relationship with XXXX XXXX and have a history of making timely payments. It is disheartening to encounter continuous issues with UWM 's payment processing, leading to unwarranted late fees. 

This matter and request that you address and rectify the underlying payment processing issues to ensure a smoother and more reliable experience for all UWM customers.
Product: Credit reporting or other personal consumer reports

I am writing to demand a reinvestigation of the fraudulent XXXX XXXX accounts ending in XXXX and XXXX that remain inaccurately reported on my credit file. I have disputed these accounts multiple times and provided ample evidence proving that they were opened without my authorization due to identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputes and remove unverifiable or inaccurate information. However, your continued reliance on XXXX XXXX claims, without independently verifying the facts, constitutes a failure to meet your legal obligations. 

Key Facts and Evidence Provided XXXX. These accounts were opened as a result of identity theft. 
XXXX. I submitted the following evidence in my disputes : A police report documenting the identity theft. 
An FTC Identity Theft Report. 
Court dismissal orders related to lawsuits concerning these accounts. 
XXXX. XXXX XXXX has refused to accept the fraud claims despite the overwhelming evidence, and you have mirrored their position without conducting an independent investigation as required by the FCRA. 

Your Obligations Under the FCRA Under 15 U.S. Code 1681i : 1. Reasonable Investigation : You are required to conduct an independent and thorough investigation of disputed information. Simply relying on the furnisher ( XXXX XXXX ) is insufficient. 
XXXX. Correction or Deletion of Information : If the disputed accounts can not be verified, they must be removed from my credit file.

Demand for Action I am demanding that you : 1. Conduct a reinvestigation into these accounts, independently verifying the evidence I have provided rather than solely relying on the claims of XXXX XXXX. 
XXXX. Provide me with a detailed explanation of the methods and findings of your investigation. 
XXXX. Immediately remove the fraudulent accounts from my credit file if they can not be verified as legitimate. 

Failure to Comply If you fail to properly investigate this dispute and remove the inaccurate information, I will escalate this matter further by : XXXX. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
XXXX. Taking legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney fees for violations. 

For your convenience, I have attached copies of all supporting documents, including : A copy of the police report. 
My FTC Identity Theft Report. 
Court dismissal documentation. 
Correspondence with XXXX XXXX regarding this matter. 

Next Steps You have 30 days to respond to this dispute and notify me in writing of the results of your reinvestigation. I expect full compliance with the FCRA and immediate action to resolve this issue. 

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

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keep adding credit card account an d changing the account number and state a I have a card that I went over the limit the accounts has had the account numbers change to make it hard to track it I want to know when the purchases was make who picked the and or sign for the pucrases and what date it was purchased ship to whom the date the account was open with the correct account
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has violated my Consumer Rights. 
- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX { Credit Bureau : ALL XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/XXXX, XXXX : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on ( XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, XXXX XXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX  XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report # XXXX  to the FTC and have attached it below along with my identification info. I repeat. You denied my previous submission because I did not include the Identity Theft report # XXXX even though I attached the report. I assume you will remove these fraudulent charges according to the law now that Ive followed your procedures.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of account information regarding Account Number XXXX, reported on XXXX. XXXX, 2024. 

Key discrepancies : 1. Monthly Payment : Incorrectly reported as {$0.00}.

2. Payment History : Details on last payment date, current payment status, and worst payment status need clarification.

3. Account Status : Derogatory status and remarks about repossession require validation.

Please conduct a thorough investigation and provide documented proof supporting the reported information. I expect a written response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Recently my place of work was hacked somehow, forcing the company to write physical checks, I have been depositing the same check to Wells Fargo for at least a year now and it shows up the same everytime. The most recent one was placed on hold, I have dealt with holds before, but this one is an exuberant wait time of 12 days. I believe the maximum a bank is able to with hold a check is 7 by Law, meaning there is an extra 5 days added to my wait time. Apparently it was held for a bad signature and when I called and asked there was nothing they can do about it. I have bills I need to pay, my account is over drafted because I had to pay my rent. I literally will be paid again before this check clears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lease was opened on XX/XX/XXXX and it was a early turn in and it reported an open balance of {$660.00} on XX/XX/XXXX and this balance was paid in full and this shouldn't be reporting as balance owing.
Product: Consumer Loan

Negotiated payoff amount was paid in full XXXX. They do not show that this was paid and are harassing us.
Product: Credit reporting or other personal consumer reports

Experian is the only credit consumer reporting agency that is reporting account XXXX XXXX  XXXX  XXXX as Late/Charged Off. XXXX and XXXX however are not reporting the ( XXXXXXXX XXXX XXXXXXXX ) account as Late/Charged Off, therefore, it's an inaccuracy. Experian is violating the following Federal Laws : 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off the account ( XXXXXXXX XXXX XXXXXXXX ) from the consumer report. Please see the attached supporting documents.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX-
Product: Credit card or prepaid card

I was in jail and XXXX again collecting the money for me I can provide proof of the fact that I have been in jail in XXXX XXXX Florida Pay Pal allowed use of my credit card and then grave him my money from arritration for violation of copyright.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unauthorized and unrecognizable inquiries made to my credit report by TransUnion. These inquiries were made without my knowledge, consent, or permissible purpose, which is a clear violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ).

Violations of the FCRA Pursuant to the FCRA, unauthorized inquiries violate several provisions : 15 U.S.C. 1681b Permissible purposes of consumer reports. These inquiries were made without my explicit consent, violating the permissible purpose requirement.

15 U.S.C. 1681n Civil liability for willful noncompliance. This violation of my rights appears to have been willful, given the lack of any valid authorization on my part.

15 U.S.C. 1681o Civil liability for negligent noncompliance. Alternatively, if this inquiry was due to negligence, TransUnion and the entity responsible for the inquiry must still be held accountable.

15 U.S.C. 1681c-1 Identity theft prevention. I am entitled to protections against identity theft, which includes safeguards against unauthorized access to my credit file.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information. The inquiry should have been thoroughly verified before being reported. TransUnion has failed in this responsibility.

Violation of the Gramm-Leach-Bliley Act ( GLBA ) Under 15 U.S.C. 6802-6805, I have the right to opt-out of sharing my nonpublic personal information with third parties. The unauthorized inquiry is in direct violation of these provisions, as I did not grant permission for my information to be shared or accessed by any third party.

Privacy Act of 1974 and ECOA Violations In addition to the above violations, the unauthorized inquiry breaches the Privacy Act of 1974 by mishandling my private information, and the Equal Credit Opportunity Act ( ECOA ), which requires fair and non-discriminatory access to credit information.

FTC Report Filed I have already reported this issue to the Federal Trade Commission ( FTC ) on [ XX/XX/XXXX ], and my case number is [ XXXX ]. This report further substantiates my claim that my identity may have been compromised, and unauthorized activity has occurred on my credit report.

Request for Immediate Action I request the CFPBs intervention to ensure that TransUnion immediately removes these unauthorized and unrecognizable inquiries from my credit report. Their actions have impacted my creditworthiness, and this issue needs urgent attention.

I trust that the CFPB will thoroughly investigate this matter and take all necessary steps to ensure my rights are upheld. Please keep me informed of your progress regarding this complaint.

Thank you for your attention to this important matter. I look forward to your prompt resolution of this issue.
Product: Credit card or prepaid card

I went to Wells Fargo bank to make a deposit in XX/XX/XXXX. When the teller found that I am purchasing a house. She said they have great interest rate and arranged me to meet the mortgage consultant, XXXX XXXX. Mr. XXXX told me how great interest rate they have on the purchase of the new home. They can close the loan in 3 weeks. He have done plenty of loans like this. I have over 800 credit score, and I have accounts/ relationship with Wells Fargo , there is no problem to lend on the house I am purchasing, ETC. XX/XX/XXXX, Mr. XXXX contacted me regarding loan options via text message. XX/XX/XXXX, Mr. XXXX followed up on application updates via text message. On XX/XX/XXXX, I got an email from XXXX XXXX, Wells Fargo home mortgage consultant, who works with Mr. XXXX on the loan. " we need to collect upfront fees in order to get this to underwriting. However, we won't order your appraisal until after approval. '' ( Wells Fargo bank 's underwriter 's approval. ) On XX/XX/XXXX Wells Fargo home mortgage charged my credit card {$690.00} for the appraisal. That made me believe my loan got the approval and will be funded on XX/XX/XXXX. I did everything they asked, but they did not fund the loan. On XX/XX/XXXX, XXXX XXXX, the branch manager, sent me an email, states, " we can use the appraisal you just paid for towards the new loan. " We started the new loan in XX/XX/XXXX. XXXX XXXX is the mortgage processor. I was told by XXXX XXXX and XXXX XXXX, since Wells Fargo mortgage already had most of my documents, it will take 2 to 3 weeks to complete the loan. But XXXX XXXX was keeping on asking me the same documents and never completed the loan. The interest rate was going up every few months since we started loan. It was very stressful. I did not get the loan from Wellsfargo. On XX/XX/XXXX, I got an email from XXXX XXXX, retail National sales manager, wells Fargo Home Mortgage. " we're sorry that we were unable to approve your application ''. And liked me to complete a survey, Later, wells Fargo executive resolution specialist called me and said they like to find a solution, on XX/XX/XXXX, I got a letter from executive resolution specialist, the refund of the appraisal is denied. On XX/XX/XXXX, I called my credit card company ( Wells Fargo credit card ), to file a dispute, I was transferred to home mortgage first, credit card department would not even take my claim. When I called the second time, they took my claim. On XX/XX/XXXX, I got an email from Well Fargo claims assistance center, the dispute of {$690.00} charge is closed and declined. Wells Fargo has mislead me, tricked me. Based on their promise, I paid for the appraisal they ordered. But they never fund the loan. The executive resolution specialist and claims assistance departments were never interested in help customer, listen to what really happened, never really gather any information from me, they just take their side and said No to me. They wasted 6 months of my time and energy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed that an account reported by Capital One contains a lot of inconsistencies across the 3 credit bureaus. XXXX ) The closing date varies : None for XXXX, XXXX XX/XX/2022, and XXXX XX/XX/2022. On XX/XX/2022, the account was reported as paid with OK status with all credit bureaus however and additional report was sent to XXXX as set the account as Charged off.
Product: Mortgage

2 weeks prior to my due date with Vanderbilt Mortgage, I inquired about a 12 hour difference in payment. my payment is due on the XX/XX/XXXX of every month for {$1300.00}. I inquired about a payment arrangement in which they informed me that I have 15 days before a late fee is charged and 30 days before its reported to the credit bureau. my loan was paid at XXXX on XX/XX/2019. it was paid 12 hours and 39 minutes past its due date and Vanderbilt not only reported to the credit bureau, but caused my loan to go into the deficit mode AND caused my credit score to take a 3 point hit. if they had told me this to begin with, I would have just paid it and let my bank account overdraft. I work too hard for this to happen. I have NEVER been late on ANY payment and because of 12 hours and 39 minutes, they reported to the credit bureau after me speaking to 3 different people telling me that I would neither have a late fee nor have an issue with my credit being affected. now, im worried about how this is going to effect me when I go to refinance my home in a couple of months because now, after a year with my home, I have my first ever late payment/credit report on ANYTHING ive ever had. i believe I was lied to, deceived and cheated out of my good score and reporting. I believe under the UDAAP, I was treated unfairly and deceived. I am NOT happy and will be reporting them to the XXXX as well. please get back to me ASAP as I am furious.