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

I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that racking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I filed a complaint with cfpb a few months ago regarding my lender Wells Fargo not working with me in order to get mortgage assistance and/or payment arrangements. Well I lost my home as a result and now they are blocking assistance to do a short sale on the home. XXXX they authorize the start of the short sale in XXXX, but then did not release it out of modification until XXXX XXXX, 2015. Wells Fargo assigned a consultant XXXX XXXX, who would never return my phone calls. Once I was able to speak with XXXX we agreed to proceed to do a short sale IN XXXX 2015. Me and my agent XXXX tried several times to contact XXXX to release from modification status and failed to reach her. Left XXXX messages to do so and finally XXXX XXXX, 2015 my account was moved from modification status to foreclosure status BUT now the sale date is XXXX XXXX, 2015. Wells Fargo made it impossible for my agent to list it as short sale and now due to Wells Fargo lack of communication and lack of action, we now only have 2 weeks to proceed with the short sell. Also, I ask about the HAFA program because I heard about it from a friend and was given the run around. Wells Fargo unprofessionalism has caused me to possibly miss out on taking advantage of doing a short sale as well as the XXXX program. I ca n't tell you how frustrating this process has been. When I initially contacted Wells Fargo I was behind XXXX month ( XXXX ) {$710.00} and was in the next month ( XXXX ) which could have been paid and a payment arrangement for XXXX could have been made. I was told they would not accept that because it was a partial payment, they do n't accept partial payments. Instead it was in modification until XXXX at which point I could not afford the {$6700.00} past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX : {$0.00}. 
XXXX XXXX XXXX XXXX : {$580.00}. 
XXXX XXXX XXXX : {$34000.00}. 
XXXX XXXX XXXX : {$1400.00}. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX Balance : {$2900.00}. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}. 
XXXX XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX CAPITAL ONE BANK USA N A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

On XX/XX/18, I received a letter dated XX/XX/18, amount owed of {$820.00} of time-barred debt & current creditor of XXXX XXXX XXXX XXXX. 

The debt is not mine. 

There is a XXXX numeral after my last name. They are attempting to collect debt on someone who shares the same name as me. It appears that the letter indicates that it will negatively affect my credit report. 

I responded with a certified letter, return receipt requested, instructing the company to stop contacting me and disassociate me from the debt on XX/XX/18.
Product: Credit reporting or other personal consumer reports

I was laid off due to the pandemic and called XXXX XXXX  to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called XXXX and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and Transunion and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXfailed to comply with our agreement when they extended and then revoked this credit line to myself violating 15 U.S. Code 1681n which clearly says that any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( a ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater.

As well as pursuant to 15 U.S. Code 1681o - civil liability for negligent noncompliance.

Which states in section ( a ) any person who is negligent in failure to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in amount equal to the amount of ( XXXX ) any actual damages sustained by the consumer as a result of the failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be updated. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be updated immediately. 

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
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up auto pay on Capital One 's website in XX/XX/2017. The auto-pay did not work due to a technical error on their end and I now have a 90 day late reporting. I have contacted Capital One and made a reasonable case, but Capital One is reacting unreasonably refusing to remove the lates from my report.
Product: Credit reporting or other personal consumer reports

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

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

XXXX5 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri Laws Dear WAYPOINT, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state laws related to identity theft and credit reporting.

It has unequivocally come to my attention that WAYPOINT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri law, specifically Sections 570.223 and 407.020 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting and outlines the protections against identity theft and fraudulent activities. Section 570.223 addresses the unlawful use of personal identifying information, highlighting the severity of unauthorized access and misuse of personal information, while Section 407.020 establishes clear guidelines for fair business practices, including consumer credit reporting.

I assert with unwavering certainty that I have not provided consent for WAYPOINT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that WAYPOINT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 407.020 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that WAYPOINT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting

I was previously married and as of that i resulted in having my last name changed to his about 5 years ago and now i am seeing hospital bills on my credit report that are not mine. I have not been to a hospital in years last time i checked out of one was one year and a half ago and i had medical insurance. I need help to get this straightend as i am trying to build my credit. Thank you.
Product: Checking or savings account

In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.
Product: Debt collection

XXXX this number is calling any person associated with me and leaving voice mails. They called every family member and now found out they called my work and tried to ask personal information about me to an associate. 

I have no idea who they are. I receive several scam calls from this number and other numbers leaving threats in voice mails saying I will be served and arrested for some collection. Some voice mails provide a social security number which isn't even mine. I get unwanted calls constantly and they should not be calling family members or work. I know it is illegal for anyone to say anything personal about me to anyone else rather that information is false, as well as constantly calling with threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX  with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I had to do this with Synchrony BankXXXX XXXX XXXX Synchrony just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from XXXX. This resulted a decrease in my credit score AGAIN by XXXX points on XXXX. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. Synchrony Bank even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in XXXX  years. If there is anything reflecting a balance it is not me. It is fraud.
Product: Debt collection

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on PORTFOLIO RC 's response about the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ( PORTFOLIO RC XXXX )
Product: Credit reporting or other personal consumer reports

Recently, while reviewing my credit report, I discovered several fraudulent accounts that were opened and used without my consent. These accounts are severely damaging my credit history and negatively impacting my ability to obtain fair credit. Under consumer protection laws, I have the right to have this information corrected and ensure my rights are protected. The applicable laws include : 15 USC 1681i : This law grants me the right to dispute inaccurate or fraudulent information on my credit report and requires credit reporting agencies to conduct a reasonable investigation and correct errors promptly.

15 USC 1681s-2 : This law outlines the responsibilities of information providers to ensure the accuracy of the information they report to credit bureaus and prohibits reporting fraudulent or incorrect data. 
15 USC 1666b : This law provides protections for consumers against unauthorized charges or billing errors, requiring prompt correction of such issues.

15 USC 1681c-2 : This law allows consumers to request a block on fraudulent information resulting from identity theft to ensure it is removed from their credit reports.

Identity Theft and Assumption Deterrence Act ( 18 USC 1028A ) : This law criminalizes the unauthorized use of personal information and provides penalties for identity theft, reinforcing the need to address fraud promptly.
Product: Consumer Loan

I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.