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

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 XXXXXX/XX/year>
Product: Debt collection

As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Mortgage

Step 1 : What is this complaint about?

The mortgage company is messing up my credit score Step 2 : What type of problem are you having?

Autopay feature did not work due to their website change Step 3 : What happened? 
On XX/XX/XXXX I went online to make my mortgage payment ( early as usual ) and the website was down I was told they changed their website and I had to make a new account so I made a new account and set up autopay, autopay was scheduled for the first of the month but since I had to make a new account the auto pay took time to update and i missed XXXX payment, the website officially was launched on XX/XX/XXXX so there was no way I could have made an account and scheduled auto pay and have time for the update. I was unaware that auto pay was not working because on my end the website clearly states that my autopay is on and was scheduled for the next due date. All I want is for them to acknowledge that them changing the website at the end of the month caused my auto pay not to go through and I had to make a new account and set up auto pay again and it was impossible for it to go through and that the website told me it was set up and registered on XX/XX/XXXX so it is not my fault they didn't take the money out and that they need to refund the late fee and fix my credit score. I can pay them, I have never been late on any payment ever and this is obviously a technical error but the customer service says all they can do is wave a late fee but can't fix my credit score, which suffered drastically!

Step 4 : What company is this complaint about? 
Amerihome mortgage Step 5 : Who are the people involved? 
Loan servicing department and customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Product: Debt collection

I signed for a car loan for XXXX XXXX, he has had car since purchase date of XXXX 2015. He has not made payments and I filed a suit in court to get car returned to me. He returned car to me at court on XXXX XXXX payment was 3 months behind. I paid on XXXX XXXX and on XXXX XXXX. As of today payments are caught up with exception of XXXX XXXX payment ( ten days past due ). I plan to pay this in the next couple weeks and try to sell the car. I explained this to XXXX XXXX at Wells Fargo extension XXXX several times. She keeps calling to have me set up a date to have it automatically taken out of my account, I have told her several times I do NOT want to do that, that I have made two payments this month and plan to get it caught up. She will not take no for an answer, she called me today at work, I told her I cant receive calls at work, she said well you answered did n't you, and she kept trying to keep me on the phone to set up a bill pay date to take it out of my account, I said no, she said why wont you do it? She is a very rude person who keeps calling me, even after payments have been made.
Product: Debt collection

I terminated service XXXX XXXX XXXX XXXX ( internet service ) and paid my final bill on XX/XX/2021. I have their email confirmation. However, they kept sending me past due notices. I tried calling. I could only talk to a representative about new services, or a service issue, but I had to have an established account. I didn't. I had closed mine. It was one of their so common " catch 22s. '' So, I ignored the notices. This company made numerous and repeated errors throughout the time I was using their services, this was just another. 

Then in XXXX I received a notice from XXXX XXXX XXXX trying to collect this erroneous debt. I spoke with them and then through email forwarded them a copy of my XXXX payment confirmation email. I thought I was finally rid of them. 

Then yesterday, almost six months later (! ), I receive a letter from Collection Bureau of the Hudson Valley trying again to collect on behalf of XXXX. This time I'm sending written correspondence to them, copying XXXX, and insisting they stop this harassment. And... I'm also reaching out to you!
Product: Bank account or service

A friend of mine agreed to wire to my Bank of America ( " BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer...
Product: Credit card

I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : BANK OF AMERICA XXXX
Product: Debt collection

I have no knowledge of whom or what this is. It seems as though, these types of companies are making a trend of emerging with bogus debts and false claims, aiming to adversely impact consumer reports.

This is seemingly a trending occurrence.
Product: Credit card or prepaid card

I opened an account with Chase with a {$300.00} bonus for new checking users. I completed all requirements, and did NOT receive a bonus. 
After speaking with Chase multiple times, they said I have not met the requirements due to a fee which was charged and waived on the XXXX of XXXX. 

I deposited {$1000.00} or more within 20 days of opening. 

I maintained at least {$1000.00} for 60 days. 

And I completed the 5 qualifying actions. 

They are saying I didn't maintain the XXXX dollars on the 60th day,  where they charged a XXXX dollar service fee. 

On that 60th day, the XXXX dollar service fee brought me below XXXX dollars, but reading the stipulations of the promotion, it does not define that I need to keep the {$1000.00} dollars for that 60th night, only that I maintain the {$1000.00} dollars for " 60 days from the date of deposit '' which I did. 

On XXXX  XXXX, 2019, I opened the account. 
On XXXX XXXX, 60 days later, the account fell to XXXX due to a fee from XXXX that was later refunded/waived. 

This mistake by chase has caused the system to flag my account as not meeting the requirements from the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ussa bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed usaa in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also american XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in XXXX   and got paid on 1st. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from usaa credit and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX  and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Lendingpoint LLC a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lendingpoint LLC has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. 

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter of XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. Federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

I have been maintaining detailed records of all my correspondence with you. You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. I was not given proper time to dispute the debt as well which is another violation of my consumer rights under 15 usc 1681 The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times I am reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but had also repeated offenders to exploit the system leaving users vulnerable to fraud and scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. under 15 u.s. code 1681-2 you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My twin sister 's student loans are reporting on my credit reports. I have been disputing them since XXXX  and nothing has been done about it. I always get a letter stating it has been verified as a response to my disputes. I have contacted the XXXX of XXXX and they do NOT have any open student loans in my name whatsoever. This is illegal reporting on your end. I can't purchase anything because of this. It is damaging my life.
Product: Credit card or prepaid card

Without any notification Wells Fargo lower my credit limited from {$13000.00} to {$8000.00}. I reached out several time for explanation to date Wells Fargo is refusing to provide an written explanation. I believe Wells Fargo actions were based on race, although I had late payments during a covid-19 hardship, I never missed a payment, nor have I made any or attempted to make any purchases during this time. I feel Wells Fargo is singling out minorities and engaged in a deceptive business practice of offer a balance transfer with a higher line of credit then after receiving the business lowers minorities credit limits which is bate and switch to gain business.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.