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

XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
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 that highlights significant issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises serious questions about the platforms commitment to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX last year credit drops XXXX points, back up XX/XX/ 2023 and again XXXX XXXX, 2023 XXXX points down. Reach out to credit bureaus and being told to get a XXXXinancial advisor as they just explain the factors. Credit has not have any drastic change, if anything should be positive as an old account was removed and balances lowered. I need this to be verify as I can never be at peace knowing my credit score is accurate or at least I am being informed of any changes. I understand 5-10 even 15 but XXXX point is just concerning and they really do not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to have the credit bureaus remove fraudulent/inaccurate information from my credit report. I sent all bureaus letters stating that the accounts listed did not belong to me in XXXX, I also sent a follow up letter requesting them to update my report with accurate information and to respond back to my request.It has been past 30 days and I still don't have an resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt or credit management

I wanted the open account to be wiped off of my credit report as it was damaging my score more and in return I received no response.
Product: Student loan

I have been XXXX for 21 years. I began my student loans with {$25000.00} and currently owe {$38000.00}. In my federal student aid report it does not show my repayment plan type or PSLF. Any time that I have called Navient, or XXXX XXXX before my loan got switched to Navient, for assistance or options I have been immediately granted a forbearance, but have always been told that I did not qualify for any types of forgiveness either because of the type of loan that I had or my income. I spent my first ten years in XXXX in XXXX that were XXXX XXXX XXXX. The following nine years were XXXX XXXX targeted XXXX. I had colleagues with other loan service providers that were able to get some loan forgiveness with their loans, but I have never been able to receive anything other than forbearance from Navient.
Product: Mortgage

I have my Home financed with Mr Cooper ( Loan # XXXX ). In XX/XX/2021 I was contacted by Mr Cooper via mail to refinance. I contacted their mortgage specialisXXXX and decided to go with a streamline refi to lower my interest rate. I was told to expect the close to happen in XXXX but could delay until XXXX. In XX/XX/2021, I was contacted by Underwriting related to Ownership and names on the deed ( My wifes name was added to the deed when it should not have been ). My wife signed a warranty deed to remove her name from the deed. The underwriter requested I send them the original warranty deed taking my wife off the deed, instead of having it filed at the court house, which I did. As of the writing of this complaint, I still have not been scheduled to close on this streamline refinance. I have in XX/XX/2021 requested in writing the return of my original documents including the warranty deed that has NEVER been filed. To-date have the documents not been returned, but no one from Mister Cooper will return emails or phone calls related to this matter. Not having this document filed, is now causing property tax implications.
Product: Debt collection

I Disputed with company on XX/XX/2019. The company received my dispute on XX/XX/2019 as shown according to the certified mail receipts. It is now XX/XX/2019 and I have yet to hear from or receive validity back from company. The FCRA gives the company thirty days to respond, I have not gotten a response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020 I tried to transfer my funds from PNC bank to my new XXXX XXXX  account. XXXX uses XXXX to link bank accounts, but PNC blocked the transfer, even after multiple attempts.
Product: Checking or savings account

On Monday, XX/XX/2023, a Wells Fargo agent called me to inform me of suspicious activities in my account. He explained that he needed to verify certain transactions, and we went through each of the ten transactions individually. During this review, we identified three unauthorized withdrawalstwo of {$500.00} each and one of {$200.00}, all from non-Wells Fargo ATMs. The total amount of these unauthorized transactions was {$1400.00}. The agent asked me to confirm if my debit card was in my possession, but upon checking, I realized that I had misplaced it. When I informed him of this, he asked if I had allowed anyone else to use my debit card, to which I replied in the negative. 

As a precaution, the agent decided to deactivate my card and arrange for a replacement. During our conversation, I mentioned that I had recently sold my XXXX and had forgotten to factory reset it, potentially leaving personal information on the device. The agent filed a claim regarding this issue and assured me that I would receive my new card within 5 to 7 days. Additionally, he mentioned that they would provide an update on the claim status within 10 days. 

However, on Friday, XX/XX/XXXX, after about 10 days had passed, I had not received any updates on the status of my claim. Consequently, I decided to call Wells Fargo to inquire about the situation. To my surprise, they informed me that my claim had been denied, as they believed the unauthorized transactions were either made by me or someone I had given permission to. I vehemently explained that I had not authorized these transactions and reiterated the circumstances : the sale of my phone and the loss of my debit card. Unfortunately, they maintained their stance, stating that there was nothing further they could do to assist me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach and request that the following account be blocked and deleted from my credit report, in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my 3-Bureau credit report, I have one late payment showing on a Bank of America Card XXXX I have no memory of this late payment. I want this removed from my credit report.
Product: Student loan

I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 
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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX our house was heavily damaged by Hurricane Irma. We contacted our mortgage company Wells Fargo and we were told that due to the fact that we were in a disaster area, we could defer payments for up to three months with no fees or damage to our credit score and that any payments we missed would simply be tacked on to the end of our mortgage. 

We had damage in excess of {$40000.00} and insurance only covered {$14000.00} of it so the rest was out of our own pocket. With Wells Fargo 's blessings, we then skipped XXXX and XXXX 's payment and resumed our payments on XX/XX/XXXX. We only took two month of deferred payments instead of the three Wells Fargo offered. 

In XXXX we were again told that our loan modification had been approved and that we would have the two mortgage payments we missed tacked on to the end of our loan. 

Every couple of weeks we get notices from Wells Fargo 's Home Preservation Department and we call them to find out why our loan has not been modified yet. They have repeatedly told us that we need not worry, that our modification would go into effect XX/XX/XXXX. 

Our loan still has not been modified. We have gone through five different representatives assigned to us by Wells Fargo and each one promises us it will be taken care of and then it isn't. 

The newest one is now telling us that no, they are not going to live up to their prior promises, that adding the payments to the end of the mortgage is not on the table. They have sent up a massive package if information demanding bank statements, pay stubs, tax returns, and lots of personal information. They have sent this to us six times, and each of the prior times, they told us not to worry about it when we called to ask why we needed to fill out the paperwork.

The representative now assigned to us never picks up the phone and her voice mail is full to the point that we can not leave a message for her.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the reporting of an account by XXXX with account numberXXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX Account Number : XXXX This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as CB/VICSCRT, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Request XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. I expect this matter to be resolved promptly within the timeframes established by law. Should I not receive an adequate resolution, I reserve the right to take additional action, including legal measures, to protect my rights as a consumer.
Product: Debt collection

I am being harrassed by a collection agency XXXX XXXX XXXX XXXX XXXX XXXX on behalf of a compounding pharmacy ( XXXX XXXX XXXX for bills that accrued during 2020. I was insured by not one but two insurance companies during the time of these bills, but rather than properly bill the insurance companies, they are pursuing {$10000.00} from me. 

From the time of the first bill until XX/XX/2020, I was covered by XXXX XXXX. From XX/XX/2020 through the date of the last bill, I was covered by XXXX. 

I have informed XXXX and TSI on numerous occasions of my coverage, with specifics, but to no avail. I even sent copies of the bills to both insurance companies on behalf of XXXX. However, the bills have not been paid and I am being told that I am responsible for these bills. 

I can not continue to do the jobs of these people, and I am not responsible for bills that should have been paid by these insurance companies. Can you please help me?
Product: Checking or savings account

When a large amount of money was deposited into my account see where I have been getting alerts regarding someone trying to get into
My account, I also reached regarding unauthorized purchases let alone every time I log to check money I notice my money was becoming lower and lower with this account I rarely could keep a $1.00 in it due to money always seems to vanish from my account.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXXXXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX XXXX XXXX Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Vehicle loan or lease

I lost my job due to the COVID 19 pandemic which left me without an income coming in. i called Bridgecrest 6 or 7 times to see if they can help me in anyway so i could keep my vehicle. i explained to them i dont have an income coming in so i wont be able to pay the loan payment every 2 weeks. they explained to me and said they arent helping anyone that had been affected from this. but on their website it says they are. i ended up having to do a voluntary repossession on my vehicle. i tried to get them to just push my payment back 1 month and they said there was no way they could. now, when i go back to work, getting there and back will be an issue. and getting a new car will be an issue because the repo will drop my credit score tremendously, after ive worked so hard to get it to where its at.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Account Number XXXX
Product: Credit card or prepaid card

The general service and security reps have created big problems for me, without explanation. They are demanding a XXXX form from the IRS, and say they will not allow me to review or manage my account until they receive it. 

I have been locked out of my account and I have no way to see my transactions or even make a payment. Prior to this lock-out, I made {$17000.00} payment transfer from my XXXX XXXX XXXX account this past week. Barclay even called XXXX XXXX with me on the line to verify the account belongs to me and it was confirmed by XXXX XXXX. This week I have a $ XXXX credit from a return that is posted on the account, and the bank is not allowing me access to it. Their security department says it will be at least 30 days before they will consider giving me access to my funds. 

Management has called me today and stated they wish to have the hold removed because they verified my identity and that my use of the card is not fraud, but security is unavailable to them. They state they have no direct access to the security department and have to wait on hold to fix the issue. 
I have been a loyal customer for many years with this company, have excellent credit history and a high credit score. I am paying on time, and have had not a single delinquency on this account or any other credit card. 

I need immediate access to my account management and funds.