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

I Have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Have issues with Wells Fargo in the past and I never liked the XXXX XXXX XXXX sold my mortgage to them years ago. I never trust Wells Fargo. I never had issues with XXXX XXXX XXXX even though there has been some talk about them. If I could I would like XXXX XXXX XXXX take care of my Mortgage or if Wells Fargo has been cheating on my Mortgage I want my Mortgage Closed. 


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

After losing my job early last year, I entered Wells Fargo 's Unemployment Forbearance program, which temporarily reduced the amount of my monthly mortgage payments. I understood from Wells Fargo that during participation in the program, " even though your monthly plan payments are lower than your regular mortgage payment, the difference in the payment amount will accrue and become due at a later date. '' Wells Fargo claimed that " a forbearance plan may initially have a negative impact on your credit score, but it may be less negative than a series of late payments because you have made official arrangements with us ''. ( XXXX ). 

In point of fact, my credit score has been decimated, because Wells Fargo reported to the credit agencies that my payments have been late since XX/XX/XXXX But I never once made a late payment while in the program. In fact, payments were typically made before their due dates on the first of the month. Prior to my unemployment, mortgage payments were deducted automatically from the checking account I own jointly with my husband, and so therefore were never late. 

When I disputed the inaccuracy of their reporting, and asked that they correct the credit score they ruined, Wells Fargo insisted that they would not, since they claim that they reported my payments accurately, and therefore " determined that your account was handled appropriately and no adjustments are needed ... During that period of time ( XX/XX/XXXX to XX/XX/XXXX ), we will report to the credit agencies that you are paying your mortgage under a 'partial payment agreement ' in addition to the monthly contractual due date. '' What is not included here, what they neglected to tell me, but an official at TransUnion informed me, is that they reported the accumulated difference between my reduced payments under the program and the regular payments as " past due. '' This is what caused my credit rating to plummet to an F, despite a lifetime of good credit scores, and my never having missed a mortgage payment in 30 years of owning homes. 

If Wells Fargo had advised me accurately and honestly that entering into this program, which was meant to be a help, would result in the utter loss of my good credit score, I would have refused to participate. I filed XXXX disputes with Wells Fargo to no avail. I 'm still unemployed. Paying my mortgage up to now, including the accrued amount of {$24000.00}, has completely wiped out my retirement account. My house is up for sale as I intend to buy a cheaper house out-of-state and hopefully eliminate mortgage payments during my retirement. No one at Wells Fargo ever advised me that entering into the forbearance program would have such a detrimental impact on my credit ( and my husband 's since we own our home jointly ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is incorrectly reporting a 30-day late on my credit. I have made payments in a sufficient amount of time. I have attached proof of my payments from my checking account. You can see the date, payment amount, payable to Bank of America and MORE than enough funds to cover. Please rectify this late payment immediately with no delay.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

PNC Bank will not let an online savings account link with my account. I signed up for an online savings account with XXXX XXXX and can not verify my PNC account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint against Experian for their failure to conduct a reasonable investigation into the inaccurate items on my credit report and for not providing a response to my dispute, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Experian requesting an investigation into the inaccurate items present on my credit report. Additionally, I contested incorrect personal information listed on my credit report during this correspondence. However, despite my efforts, I did not receive a response from Experian regarding the results of the investigation. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 

Enclosed with this letter, please find a copy of my dispute letter sent to Experian as proof of my efforts to rectify the inaccuracies on my credit report. Despite providing all necessary information, Experian has neglected to fulfill its legal obligation to conduct a thorough investigation and provide a response to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I closed an account at XXXX and even after asking multiple times if my account was cleared and I did not need to pay anything else, I was told everything was fine. 
I have never received any letters or mail that anything was owed from either XXXX, or from the debt collection. 
I only received phone calls months later from an unknown number telling me about a XXXX charge which was impossible since I was told from XXXX employees that everything was fine. 
It was only after I checked my credit score that I saw the charge from the debt collector 's go to collection.
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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

in XXXX-XX/XX/2020 I had a XXXX account show up on my credit report that I did not open. I filled it with XXXX as fraud and reported to my local police as identity theft although they said it was not of their concern and didn't do anything about it. after a few months of reporting it to XXXX It had left my report. now today I see it has showed back up on my credit score as Jefferson capital systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies XXXX Finance XX/XX/XXXX has violated my rights. 

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 cannon furnish an account without my written instructions. 

Also, my full name is XXXX XXXX XXXX XXXX often times they mistake my father for me. I have even seen on my credit report a " XXXX XXXX '' and i have no idea who that is. Please resolve this issue in a timely manner.
Product: Debt collection

I have been receiving too many phone calls from Structured Settlement. I've started tracking the calls specifically for this complaint. They reached out to me at the beginning of XXXX by calling my cell phone. I was at work and didn't answer. They immediatelycalled my job and XXXX left a message. I called right back and was told XXXX had gone on break. They were calling to collect on a debt ( debt from a creditor I have done business with ). I made payment arrangements at that time. At the end of the day, I checked my call log and saw they'd called me 5 times on my cell and twice at work. I immediately thought it was a scam. I blocked my card and did a little research. Most consumers have had harassing and threateningcalls from Structured Settlement. 

I asked for a statement via mail or email. Anything in writing to indicate who they were, who the debt was for, and the amount. They kept trying to talk over me and give me the info on the phone. I asked for a statementin writing in order to continue. They have made numerous attempts to charge the card I provided them without giving me the written information I've asked for. 

The harassment started at XXXX on XX/XX/year>. I have received 35 phone calls between then and noon today ( XX/XX/year> ). Most of the calls are to my cell but a nice portion of them are at my job. They've also left me 14 voicemails during this time. Most of the time, it's XXXX. Two times, it was someone named XXXX. 

Today, I called them to reiterate that I need something in writing. XXXX wasn't available even though I'd just missed her call. I spoke to someone named XXXX. XXXX was very rude. Even though I've had agents over talk me, none of them were hostile like XXXX. I told him the best way to communicate with me is via email. XXXX said they can not communicate with me via email. I told him I need a letter or email from them to continue. XXXX continuously ignored my request and kept talking over me. I asked them to stop calling my job. If they can not communicate via email, my cell is the only way they'll be able to reach me. XXXX acknowledged that they'd stop calling my job. We went back to " arguing '' over a paper statement. I advised him I never received anything with my balance or the company information. He tried to provide this by phone again. I told him I needed it in writing. He confirmed my email address and then disconnected the call. 

I need these calls to stop until I get a written statement about this collection account. On Wednesday, XX/XX/year>, they called me 11 times and left 4 voicemails on my cell and at my job. The more they call and the more people I speak to who dodge giving me something in writing, the more I believe this is a scam. I have never experienced behavior like this from a debt collector. I am submitting this complaint to multiple agencies for assistance.
Product: Debt collection

Ive been directly working on building my credit and have worked directly with XXXX XXXX to have every months debt paid prior to due date. Since XX/XX/XXXX, every single month Ive received notices that Im late on my payments. For the months of XXXX and XX/XX/XXXX I paid with XXXX in the amounts of XXXX each. Both were considered lost. It isnt easy to track these transactions. Repeatingly I call with the concern chasing my transactions down. They were able to locate the payments and apply them to my account. As a corrective action I started Bill Pay through my bank. My bank writes out a check ever month on the XXXX of every month to be sent out on the XXXX. This ensures 8 days for XXXX to receive the payment and apply it to my account. Since XXXX for every month I considered late for non payment. Then Im told I stand a chance of bad credit reporting by the automotive system. Then Im made to send proof to XXXX XXXX of my payments. All different forms of validation is used each month. I have clear record of check payments and of stubs to show proof of payments. After making these payments the last thing I need is to receive a text or email stating that I havent paid my bill. Then after ensuring my bank made a payment to call and be asked to take further steps to prove my payments. So for the months of XXXX and XXXX and XX/XX/XXXX I was forced to show proof of payments, also XXXX and now XX/XX/XXXX Im being told that those payment is not yet received. For every month this is a problem Im forced to have a brain vessel burst to prove what should be a very easy task. I have requested for two months now once in XX/XX/XXXX and in XX/XX/XXXX to have a copy of detailed payment history. I have not received a copy of payment history. In my opinion for a person that is trying to actually do the right thing, Im being heavily harassed. As this happened Im drawn away from work, my family and just a piece of mind. There has to be some sort of final fix to this issue. I was told I could set up automatic bill pay where I allow them to take amount due from my checking account. I dont feel comfortable with that form of payment. The bill pay option my bank offers is just as good. They get paid like clockwork.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX provided an auto loan to me. XXXX XXXX also provided without my consent or knowledge a third party auto insurance policy with XXXX XXXX XXXX and deducted from my monthly payment ( XXXX ) the collateral coverage premiums before assigning my payment to my loan. I already had auto insurance on the vehicle with XXXX. 
I was behind on XXXX payments per XXXX XXXX due this monthly payment deduction for insurance I didnt need. The loan matured in XX/XX/2019. I paid the full loan amount due of {$3600.00} XX/XX/2019. XXXX was paid early. Before mature date. 
Reported to collections agencies that XX/XX/2019 {$3300.00} written off and XX/XX/2019 payment received {$360000.00} on XX/XX/2019. Account reported as charge off bad debt. 
XXXX credit buried have different information reported. 
I have disputed this account for years and still the account remains a bad debt. 
A refund check on insurance premiums was refunded me but nothing with credit report happened. Remains a bad debt on my credit report
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  I disputed {$230.00} with cash app. I followed their process to dispute the amount and reason. Could not talk to any representative that represents cash app customer service. Their generated system denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion To investigate inaccurate information in my credit report they said was verified accurate Showing that they are not investigating anything A a violation of the credit act Also isnt any signature from my in one of this contracts from acceptance now that I dont recognize. How is verified if is no signature XXXX  XXXX didnt provide this proof either And all this accounts dont match with the last date active In either of the credit bureau agencies There are many FCRA violations And Im tired of complaining and no solution No signature in contracts and how this is verified? 
Anybody could do that contract with acceptance now or XXXX XXXX This Bureaus are not investigating anything
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 section ( a ) ( B ) ( c ) ( N ) ( o ) ( s ) Congressional findings and statements of purpose My credit report is showing everything is 100 percent on time but nothing has been changed All the inquiries have to be removed in each credit reporting system from XXXX XXXX and Experian even tho Experian is a 3rd party so they really cant report anything negative at all!!!!

Everything thats charged off must be paid as agreed the credit cards old cars that are on there Privacy Act 1974 5 u.s code 552a Opt out laws ( Part 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION REGULATION P ) 12 cfr 1016.1 purpose and scope 12 cfr 1016.13 ( 14 ) ( 15 ) 12 cfr 1016.4 initial privacy notice to consumer required
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Bridgecrest reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, Bridgecrest will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and XXXX on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to Bridgecrest 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am beyond upset and puzzled with how you CRA 's agencies break the law or have no concern with following the procedure required to report information. I've talked to lawyers ( several ) and I've even studied the metro 2 data rules you are supposed to be following as well. So your own reporting standard is violated and then you also violate the FCRA. I spoke with the courthouse and they told me - they do not verify any information with credit reporting agencies ; thus, you are in violation of the FCRA and the spirit of the law. You are even in violation of your own Metro 2 data  standards. Delete this account from my reprt
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 platform issues. 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 tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.