23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I had received a XXXX transaction from my mother. All my XXXX transactions are set to go to a savings account. The money was sent to another account that was currently in negatives and which was not set up to receive any XXXX transactions. 

I spoke with a representative that looked at the account. They started with telling me that it was not sent to the correct account due to my XXXX not being set up correctly. I said that it was correctly set up and gave them the account number. They checked and said I was correct. 

They then said it was due to my mother sending it as a bank-to-bank transfer as she has another bank. My mother also has a Wells Fargo account and has previously sent XXXX transactions to the correct account. They took a moment and said that they could see it was a Wells Fargo account. 

I told them that WellsFargo had even sent me a notice saying I received money via XXXX. The representative said that it was not accurate due to this being a bank-to-bank transaction. I reminded them that she was also a Wells Fargo customer. They told me that her account must have not been set up correctly and that I would have to add my account to her XXXX with my bank account number. 

I asked why the last transactions worked but this one did not. The representative said that it was because the XXXX was not set up correctly. They could not explain the difference and why it was different from before. XXXX on Wells Fargo 's app only allows us to add others using a phone number or email. 

Customer service sounded annoyed and was incredibly unhelpful. They tried to give me solutions that were not relevant and attempted to ignore all the information in order to end the call. There was no solution and they could not provide an answer as to why WellsFargo did not properly make the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit reporting Act, I am submitting this CFPB Complaint to you today to rquest tha the erroneous accounts being reported on my Credit File be immediately investigated and corrected on my credit file. I have seen here that the accounts : OFFICE OF THE ATTY GEN XXXX XXXX : {$6700.00} and OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} are reporting to be 120 days late.An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Additionaly, the account OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} is being reported by the XXXX Credit bureau as late which is different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my credit report and I notice fraudulent and inaccurate accounts reporting on my credit report
Product: Debt collection

The 7yr Statue of limitation is up on these accounts, also the accounts also state that the debt is already written off as a loss. can you help removing this account from all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters over 30 days ago, I have not received a response, and the validation provided has been unsatisfactory. I kindly request your assistance in resolving this matter promptly and effectively.
Product: Debt collection

In XX/XX/2017 I filed a complaint with XXXX XXXX, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with XXXX XXXX. XXXX XXXX removed all references to these debts on my credit reports, and I assumed that XXXX XXXX would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and XXXX XXXX knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for XXXX XXXX to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from XXXX XXXX and XXXX XXXX XXXX, XXXX. immediately.
Product: Credit reporting or other personal consumer reports

I recieved a copy of my credit report and noticed 4 accounts on my credit repor thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting stuff my financial institution and Zelle failed to investigate my claims adequately.
Product: Vehicle loan or lease

I am filing this complaint to request the removal of inaccurate late payment and charge-off entries reported by CarMax Auto Finance on the Retail Installment Contract ( dated [ Contract Date ] for the vehicle XXXX XXXX XXXX  XXXX XXXX : XXXX ''. This contract is a closed-end credit agreement, and the vehicle was repossessed during an ongoing arbitration process. Given the circumstances of the repossession and CarMaxs obligations under the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ), I believe that these late payment and charge-off notations are inaccurate and unjust. 

Summary of Reporting Issues and Repossession During Arbitration The payment history reported by CarMax includes multiple late payment entries, as well as repeated charge-off ( " CO '' ) notations, even though the vehicle was repossessed during an arbitration process. This raises concerns about the accuracy of CarMax 's reporting practices and their compliance with legal requirements. Here is a summary of the entries as reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This reporting appears misleading for the following reasons : Repossession During Arbitration : The vehicle was repossessed by CarMax Auto Finance while the account was in arbitrationa process that should have temporarily halted any enforcement actions, including repossession, until the dispute was resolved. This repossession suggests potential disregard for the arbitration process and could affect the legitimacy of the subsequent delinquency and charge-off notations. 

21-Day Notice Requirement Under TILA ( 15 U.S.C. 1666b ) : CarMax Auto Finance is required to provide at least 21 days ' notice before each payment due date on a closed-end installment account to avoid late fees or penalties. I request that CarMax provide proof of compliance with this requirement for each reported late payment and charge-off entry. If these notices were not provided, then the reported late payments and charge-offs are not legally valid.

Fair Credit Reporting Act ( FCRA ) Accuracy Standards : Under the FCRA, creditors are required to report accurate, complete information. The reporting of multiple " CO '' notations across several months and various late payment entries during and after the repossession suggests potential inaccuracies. This reporting may unfairly affect my credit profile by exaggerating the delinquency. 

All evidence attached
Product: Debt collection

Capital one credit card amount {$3500.00} account ending XXXX this account does not belong to me XXXX newyork this account does n't belong to me ask them to verify it they could n't they just said they have no way Of saying I did n't benefit From Whatever products that they sold
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX 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 Incorrect Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I ran my credit report through Experian..it was missing my primary mortgage information of 16 years..over 4 months I called Experian 7 times ... my mortgage company 6 times ... the mortgage company kept transmitting the credit reports and even tried to reinsert the loan information ... Experian said that it manually removed the information some years ago due to my chapter XXXX bankruptcy in XX/XX/XXXX ... although the mortgage was never part of the bankruptcy and did not require a reaffirmation of debt ... XXXX and XXXX both still receive the information XXXX Experian said that nothing can be done about the issue even though it was their mistake ... this is costing me the essential credit numbers to refinance my home and has cost me additional money in the loan of a car bought recently due to a lower credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My home is under contract and due to close tomorrow XX/XX/22. The Mortgage Servicer has failed and refused to provide a Mortgage Payoff Amount to the Closing Agent, therefore holding up the Closing Process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there has been a lot fraud accounts open In my name & address as well I would like these accounts removed from all 3 of my credit reports my wallets were stolen nd socials card as well
Product: Mortgage

Fay Servicing. 
My XXXX payment online stated {$1600.00} I however could not make a payment online or over the phone. I had to make it with a representative who confirmed verbally that my payment was indeed {$1600.00}. I paid that and waited for the online problem to be resolved. 
I checked my account online a few days later and it showed my XXXX payment had not been received and was still reporting I owed {$1600.00} for XXXX. I called XXXX and spoke with XXXX who stated the rep who took my payment a few days prior had applied the payment wrong and XXXX said she fixed it and my online issues should be fixed. That was on XX/XX/XXXX. XXXX told me to give it 3 days and everything should be reporting correctly. XXXX also told me my next mortgage payment was only {$660.00} and was not due until XXXX. I told her that can not be correct, our mortgage was ending its modification and the payment in no way shape or form was only {$660.00} for XXXX. 
Then, I received a statement in the mail dated XX/XX/XXXX showing that I had an overdue payment of {$660.00} and a regular monthly payment of {$660.00} with a fee of {$410.00} totaling {$1700.00} due for XXXX. So I go online and the payment reflecting for still XXXX is now {$2300.00}. The XXXX payment was changed in the middle of XXXX. So I call again and am told {$2300.00} is my new mortgage payment after the modification and I owe {$650.00} to get XXXX current. I asked both XXXX and XXXX how my XXXX payment was not current online or on the statement mailed to me and who changes a months previous payment amount. I paid what was online and what the representative stated I owed when I called. I even put an extra {$100.00} to the principal. 
So, we now have to scramble to come up with an extra {$660.00}, that we would not have even know about had I not checked myself, and my fear is we are going to now be marked late because I won't have that extra money in my budget until the first week in XXXX. 
I am applying for another modification and have been trying to refinance with Fay through a rep who ran our credit reports but I have not heard back from. 
Changing the amount due though does not seem honest or ethical when the change happens a full month later.
Product: Debt collection

received letter about collection of debt on XXXX when company sent last contact by me with local court it was dated XXXX have no notification by either Midland Funding llc or XXXX XXXX XXXX their law form, in between time so interest has risen debt from XXXX to XXXX, at XXXX currently had I received notification previously the debt would not have grown so much while I managed to start paying it off. Am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have paid off house so there is a little money available along with tax refund. do not believe that their failure to notify me for more than a decade is good business pracrice and they waited just to accumulate interest. do not drive out of town or at night so not available to travel. don ; t know how long I have much longer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. believe this is scam of seniors. feel that time frame makes it void.
Product: Debt collection

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and requested that a Police report be provided. I forwarded the report to the collection agent and have not received any acknowledgement from them. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE APPLIED FOR AUTO LOAN AND FORCED XXXX  IN OUR FACE BECAUSE OF LOWER SCORING AND HIGHER RATE.