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

Subject : Unsuccessful Recovery of Mistakenly Sent Funds via Zelle I attempted to send funds to a recipient via the Zelle peer-to-peer payment platform. While I correctly entered the recipient 's name from my phone contacts, the transaction was inexplicably routed to a different phone number associated with that name. 
Despite immediate notification of the error to Zelle customer support, recovery efforts were unsuccessful. I was informed that Zelle operates as a facilitator of peer-to-peer transactions and does not have the authority to reverse or reclaim funds once they have been successfully delivered to the intended recipient 's account. 
This experience highlights a potential vulnerability in the Zelle system, where discrepancies between contact names and associated phone numbers can lead to unintended transfers.
Product: Credit card

I got divorced last year. I was an authorized user on several credit cards in her name. All of these companies allowed me to call and have myself removed except for Citibank. My wife has a delinquent, closed account with Citibank which I am an authorized user of. I have called multiple times over the past year and even sent a copy of the page from our XXXX which states that the account is her responsibility and that I can not be held liable for the debt, but Citibank refuses to remove me from the account and it is adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see documentation for explanation of events. Please be sure that my claim is thoroughly investigated
Product: Credit reporting or other personal consumer reports

I am submitting my fourth communication and follow-up to my recent correspondence dated XX/XX/XXXX, addressing the matter of identity theft. As a victim of this crime, I dispute the items in my file associated with the incident. It is crucial to reiterate that these contested items are not connected to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. I kindly request the removal of the records of these items from my credit file, attributed to the alleged identity theft. Additionally, I have attached my filed FTC report # XXXX for your reference : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found a XXXX account that was previously removed due to fraud place back on my credit report as well as another account that was not authorized from Sequium Asset Solution on credit report. I believe my information was comprised in the XXXX Data breach upon checking my social security information on the the website. The two account listed in this report are fraudulent and reporting misinformation on my credit report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the XXXX Police Department and obtained a police report # XXXX which both are attached. I also included a Affidavit of Fraud to this letter which I have signed and have had notarized. I have contacted and written several letters and keep getting stall letters. I am attaching my Drivers License and my social security card. The following item does not belong to me and is a result of fraud that I did not authorize : XXXX. XXXX BANK Account XXXX : XXXX XXXX. SEQUIUM ASSET SOLUTION Account Number : XXXX
Product: Debt collection

The debt was reinserted without my 5 day notice. I want it removed again from all reporting bureaus
Product: Mortgage

Transaction HistoryI have an FHA loan, that was originated by XXXX XXXX XXXX, with an escrow account, which was established during the proceedings of the loan. The escrow was a requirement for disbursement of the loan. A schedule of financial disbursement from the escrow account was also within the loans associated paperwork. The loan was finalized on XX/XX/XXXX. My loan was then sold to Nationstar Mortgage and my first payment to Nationstar was recorded as XX/XX/XXXX. The next scheduled disbursement from my escrow to my insurance provider was to take place XX/XX/XXXX. 

The IssueThe funds allotted within my escrow for my home owners insurance/hazard insurance where never disbursed to the agency on the scheduled date. Nationstar continued to collect escrow payments for the months of XXXX and XX/XX/XXXX with out disbursing the funds to my insurance provider. When my insurance was canceled due to " Lack of payment '' in XX/XX/XXXX Nationstar then within that same month purchased Force-Lender insurance through XXXX that same month. I lost my homeowners insurance policy and had to pay a considerably higher premium for the Forced-Lender insurance provided by XXXX. 

Other FactorsI thought that under the Real Estate Settlement Act - Section 6 it was the responsibility of the mortgagor to distribute funds to the insurance agency in a timely manner in order to retrain the current policy. 

I can also do not understand how my mortgagor after not paying the insurance agency from my escrow could justify purchasing an insurance policy with such a substantially higher premium that exceeds that of any major provider. More especially so given the fact that Nationstars affiliated and/or subsidiary organization XXXX XXXX XXXX allegedly receives incentives from XXXX for placing borrowers on there insurance policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to complete an identity verification through XXXX for a job position and they tell me that they ask me questions from credit report pulled from Experian. Most of the questions asked I don't recognize the information and if i answer that its not related to me I get the answer wrong. I've tried to get Experian to give me a more detailed credit report so that I can be able to answer my identity verification questions better or if there is something on there that shouldn't be on there I need to be able to know what's on there because the employers is asking me questions to do the identity verification based off a credit report obtained from Experian. I've contacted Experian customer service several times in regards to this matter and they wont give me a more detailed credit report so that I can answer my identity verification or be able to identify if soemthing is on my report that shouldnt be. I am not able to complete my verification without that report.
Product: Debt collection

On XX/XX/2021 I sent a debt validation letter to COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that COMNWLTH FIN have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Account # XXXX Please remove it from my credit report. 


I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Pursuant to XXXX XXXX XXXX ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports. 


Best Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below, you will find Transunion is in violation of my rights as along with the FCRA. Transunion has failed to show proof or validation that they used to confirm that said account belongs to me as I have no knowledge of the account. Under 15 US Code 1681d ; Disclosure of investigative consumer reports States that the consumer reporting agency must provide me with information was used to verify said account. This is a clear violation under the FCRA. 
I do not recognize an open date, original amount, a charged off account, credit limit or a past due limit. 

Per the FCRA, this account is providing inaccurate information on my consumer report. Per the FCRA, I XXXX recall opening this account and it is in violation showing a past due amount, This is clearly a violation of the FCRA. 

Account Details Account Details Payment Status Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm showing a charge off account on my credit file from Barclay's- I have already paid, settled and close this account. Please see attached documents for proof of payment and settlement. I have tried to contact Barclays to make sure that they update my records with XXXX, they have not update my file with XXXX. Also, XXXX  continues to report this as late payment on my file. Barclay 's account is charge off and the last late payment on my account was reported in XX/XX/2017. This account was steeled and the creditor agreed to delete this account form my file. I have been trying to speak with XXXX  and have them update my file and delete this account and fix my FICO score, they have report and lowered my fico score by 18 point on XX/XX/XXXX. I have exhausted all options with Barclays and XXXX and no luck.

PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX XX/XX/2024 XXXX, XXXX, Transunion, dispute department XXXX XXXX  XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXXXXXX XXXX Account number. XXXX XXXX card account numberXXXX  XXXXXXXX  account # XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXXXXXX XXXX Account number. XXXX XXXX card account numberXXXX XXXXXXXX  account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX, Transunion, XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX, Transunion, XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

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

I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?
Product: Mortgage

They have takem {$1400.00} dollars from me for the last 4 years. They where never my mortage comoany and been sending fraudlent papers to my home. Never helped me lower my payments and increased fees, wuthdrew escort payments, and charged me a pmi every month. They avoid my calls and never answer my emails.
Product: Credit reporting or other personal consumer reports

I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
Product: Mortgage

I have a mortgage on a home with Shellpoint Mortgage Servicing that was placed in COVID forbearance XX/XX/XXXX. The forbearance term was extended XX/XX/XXXX. Since the extension, I have been charged 4 late fees. Under my forbearance agreement, no late fees are to be assessed. Shellpoint Mortgage Servicing is refusing to refund the late fees and not agreeing to extend my forbearance even though I have brought payments up to just 2 months behind. I wish to have late fees refunded and forbearance extended.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting on my credit report for XXXX  years, I have disputed this account multiple times with all three credit bureaus because it is not my account, I have a statement from the company stating that they have no record of me having a loan with them but it is still being reported on my account. 
In the memo it states that they ceased all loan approvals after XXXX but this account was opened in XXXX. I want this deleted from my credit report.
Product: Debt collection

I am writing to you regarding a recent discovery on my credit report that has caused me considerable concern. Upon reviewing my credit report, I noticed that an item associated with my account appears to have been categorized as a validated and notified. However, I have not received any communication or documentation regarding this matter, including a letter for a dispute of debt. I affirm and attest that I have never resided @ the address list on the communication in the companies reply ... XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to deleted are listed in the report. I am a victim of identity theft and I did not make these charges. I am currently trying to enhance my living conditions for my newborn son, however the items listed in this report is hindering me drastically. I asked that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.
Product: Debt collection

XXXX XXXX debt collecting company wrongfully filed a debt from XXXX XXXX XXXX purported to have happened in XX/XX/XXXX ( 15 years ago ) on XX/XX/XXXX. I did not have any XXXX XXXX service but recall complaining about it to XXXX XXXX over 01 year ago. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX agent. I ask the agent to remove the credit reported on XXXX for nothing I owe which was purported to have happened 15 years ago. After waiting for about an hour on the phone with the agent, the phone was hang up. 

Thank you for your help on this abusive and illegal credit reporting by XXXX   XXXX. The company 's address and contact is : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ]. The inquiry was made by [ KOHLS/CAPONE, XXXX XXXX  XXXX XXXX XXXX ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.