23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I disputed the late payment for Car-Max in XX/XX/XXXX and in XX/XX/XXXX. The credit agencies ( XXXX, XXXX and XXXX ) investigation results showed the late payment had been verified and was correct. I didn't agree with the results ; after speaking with a Car-Max agent today and we were discussing the late payment for the month of XXXX and XXXX -- the agent advised me the late payment for the month of XXXX was actually not late and he did send an electronic correction to all 3 credit agencies while we was on the phone. I advised the agent that I had fell behind because of the COVID-19 Pandemic and since XX/XX/XXXX I had never been late on my car payment and I asked for a " Goodwill adjustment. '' I made three payment in the month of XXXX for full payments and as of today I'm current. The agent said it wasn't anything they could do. I'm in the process of buying a house and I have really been working hard on making on time payments to all of my accounts and because I was 2 days behind on making a payment all of my hard work shouldn't have to end here. My loan officer ; XXXX XXXX call to inform me we couldn't move forward with the house mortgage if I can't get the late payment removed from my credit report. So I ask that you please give me a second chance and grant me a " Goodwill adjustment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 LVNV Funding reported an account for collections to the credit reporting bureaus and damaged my credit, by not utilizing lawful practices. ( LVNV Funding XXXX. XXXX XXXX XXXX, SC. XXXX ). Original creditor is listed as XXXX XXXX XXXX. Balance due listed as {$700.00}. In Fair Credit Reporting, I received no communication from this company prior to this being reported on my credit. There was Never a Debt Validation Letter sent to me at my current address, prior to this account being reported on my credit report. Rather, this company knowingly reported this as a collection account first to the credit bureaus, damaging my credit, and then followed their reporting up on XX/XX/2020 with a payment request letter from LVNV Funding, at my current address, requesting payment in the amount of {$700.00}, original creditor listed as XXXX XXXX XXXX. Fair credit reporting was disregarded as this company knowingly reported this as a collection account on my credit report first, without providing me with a Debt Validation Letter and the 30 days to respond, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XXXX data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting or other personal consumer reports

The late payment reported by TransUnion on the XXXX, account number XXXX is inaccurate. This error violates the Fair Credit Reporting Act ( FCRA ) requirement for MAXIMUM POSSIBLE ACCURACY under 15 U.S.C. 1681e ( b ). I request an immediate investigation to correct this inaccuracy and remove it from my credit report This violation goes beyond a simple mistake it directly breaches the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate information to remain on my TransUnion credit report. This false reporting damages my creditworthiness limits my ability to secure better interest rates, and undermines my financial stability. Notably, this account is not reported by XXXX or XXXX, which highlights that only TransUnion has failed to uphold the accuracy standards required under the FCRA. Despite my efforts to resolve this issue, the account continues to violate key provisions of the FCRA, causing further harm to me both financially and personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be XXXX percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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 tracking these transactions was infeasible. The XXXX '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: Credit reporting, credit repair services, or other personal consumer reports

My home loan was transferred to Amerihome at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from Amerihome in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to Amerihome Mortgage Company , LLC to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from Amerihome until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at Amerihome to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my Amerihome mortgage by this scam they seem to be running to try and get late fees from clients.
Product: Vehicle loan or lease

On XX/XX/XXXX I had deal in place to buy a XXXX XXXX XXXX XXXX XXXX XXXX with XXXX miles. From XXXX XXXX. I was told that XXXX owed money on the vehicle in order to get the title. I deposited ( 2 ) checks 1- {$5000.00} on XX/XX/XXXX and a XXXX on XX/XX/XXXX for {$20000.00} with the balance due upon receipt of vehicle and title. 1 month goes by and the seller disappears. A call was placed to XXXX XXXX to report fraud on XX/XX/XXXX to the fraud department. I was told by the NFCU representative that they can see the transactions and there was nothing they could do since I did not have the account holders real name. I asked does this not count as fraud? The rep continued on saying there is nothing she could do. There was no fraud investigation started by the bank or a freeze placed on the account. Navy Federal Credit Union failed to protect me as a member against money laundering and fraud.
Product: Debt collection

Date opened XXXX XXXX debt allegedly owed {$260.00} y consumer rights have been violated ( 15 USC 1692 ) ( a ), ( d ), ( e ) validation of debt cease and desist letter has been sent
Product: Credit card

On XX/XX/year> I made payment to my American Express card. Four days later I received an alert in the app stating my payment was returned, due to my bank account not being found. I immediately re entered banking info on the app made the payment again, and contacted Amex support. The first representative I spoke with told me that my payment was rejected because my routing number was incorrect, when they confirmed the number with me, it was in fact the correct information, so I told them I would call my bank and figure out what happened. After calling my bank I was informed it was rejected because Amex sent the payment through as coming from my savings account instead of my checking. I contacted Amex a second time to explain what the bank said, the representative I spoke to this time stated my payment was returned for insufficient funds not due to incorrect info which is not true as the bank already clarified what actually happened, at this point I asked to speak to a supervisor as well was not going to pay an extra fee due to there employees mistakes, the supervisor refused to assist me with the fees, blamed me for your companys mistake and than refused to provide contact information for either his direct supervisor or the corporate office, refused to provide his ID number, and tried to tell me corporate office doesnt have a phone numbers, as far as I am concerned that employee whose name was XXXX XXXX ( he claimed to be the chat supervisor ) needs to be fired immediately. He refused to address the employees lying to me, refused to provide his id number and refused to provide contact info to escalate the matter, this is who is representing your company. I have never made a late or missed payment on my credit cards in over 10 years, and I do not intend to start now. I have been charged a XXXX dollar fee due to Amexs error, I have been lied to by three different representatives, I have been slandered, and disrespected by their employees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I used Zelle numerous times and reported discrepancies, my financial institution and Zelle failed to investigate my claims. The CFPB findings indicated that not only that zelle neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned Addresses, Names, or hard inquiries as reported. The aforementioned Addresses, Names, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned Addresses, Names and hard inquiries are the result of identity theft and fraud. 
Addresses, Names, accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The only three things negative on my credit is medical and one that I have no clue about on my behalf. I was a victim through the IRS in XXXX or XXXX. I was contacted by the IRS and now I have to wait for a code in order to do my taxes. I dont know what to do anymore and Im trying to buy a home for my children and I but cant due to my credit being destroyed.
Product: Mortgage

Applied for mortgage in both XXXX and XXXX of 2019. 

Amount requested : {$100000.00} I am a first time home-buyer ; who submitted applications on approximately five different occasions. The stated applications were inadvertently cancelled by the bank, and my final application was denied. This process took over one year and has caused me to lose time, the sale price that I had negotiated for the home that I was interested in purchasing, and two grants that I was approved for.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

4
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for an auto loan and I was told that my credit would be ran through  XXXX  creditor and that it would be a soft pull. However I have over  XXXX  hard inquiries on my report as a result. I have disputed these to  XXXX , Transunion, as well as  XXXX  with very little success.     Inquiries :  XXXX /  XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX     XXXX   XXXX /  XXXX   To    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX  /   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX      XXXX     XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   In addition to the unauthorized inquiries on the report. I have reached out to the cr editors as well as all   XXXX   bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below :  XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   ( AC CT #  XXXX  )  XXXX   XXXX   XXXX  (  XXXX  )   XXXX   XXXX   (  XXXX  )  XXXX   XXXX  and   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   (  XXXX  ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all  XXXX  bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is ignoring my letters I have not received any response.
Product: Credit reporting or other personal consumer reports

I have address and accounts on my credit report that dont belong also under 15 U.S.C 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I could not withdraw cash I needed from.my hecking account. I was times stopped at the door of the Wells Fargo bank branch to go inside to get cash as my daily cash withdraw was limited to {$500.00}. 
Money, {$220.00} approximately, was taken from my checking accounts at Wells Fargo, and I had to hire a lawyer to deal with stubborn Wells Fargo to get my money back. The overdraft fee was just unbearable, I didn't know what to do. 
So many issues do many times.
Product: Debt collection

NATIONAL CREDIT SYSTEM Is reporting I owe them and have been reporting this for a while I dont owe them anything this is false information being reported on my report reports ( XXXX, XXXX XXXX and XXXX XXXX ). Under FCRA Code 609 & 611 Id like for this to be removed from my credit reports immediately. The name is wrong address is wrong etc.
Product: Mortgage

On XX/XX/2016, at XXXX p.m. I submitted a Request for Mortgage Assistance to Select Portfolio Servicing for a HAMP Tier II loan modification. To date I have not received any correspondence from SPS regarding the status of my loan modification. For over 3 months, my loan application was not processed in a timely manner, if at all. This is a direct violation of the Federal Mortgage Servicing, National Mortgage Settlement and a direct violation of the California Homeowners Bill Of Rights. I was not given due process as my application was never reviewed and the results were never communicated to me.
Product: Credit card

It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 

When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

I intend to sue if these accounts are not deleted within five days from receipt of this notice. I have been victim of improper data use, data breech, they are also not being transparent with the way the consumer 's personal information is being shared. Which in fact is a violation as well. These three reporting agencies are in violation of unauthorized data sharing, noncompliance with privacy policies, and failure to report the latest data breech.