23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on or about XXXX XXXX XXXX, all XXXX XXXX, XXXX and transunion put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
Product: Mortgage

Due to COVID -19 I was laid off from my job in XX/XX/XXXX. I immediately contacted my mortgage company Mr. Cooper to inform them of this unforeseen disaster. The representative informed me due to COVID-19 my investor is participating in the Pandemic Forbearance Relief Plan. This was a relief as my number one goal is to keep my family in our home. The short term forbearance would be approved in 3 month increments for up to 12 months. Upon the last extension, the mortgage company would provide all the options per my investor which included adding the payments to the end of the loan, repayment plan, modification or a lump sum. I immediately informed the representative we could not afford a lump sum payment. The representative assured me the company would exhaust all options and a full lump sum payment would be the last option as the company understands hard times due to the pandemic. 

XX/XX/XXXX at TIME, I received a call from XXXX XXXX, stating he was assigned to my account since the COVID-19 forbearance expired. I informed him I started a new job and would like to discuss addressing the past due payments as indicated when I agreed to forbearance. 

30 days later I received an email from the mortgage company stating I was denied a modification but a short sale was approved or Deed in Lieu approved. 

We followed all the guidelines set forth by Mr. Cooper Mortgage Company however unbeknown to us Mr. Cooper Mortgage company used unfair business practices and deception. At no time were we told the past due mortgage payments would be due in one lump sum at the end of the short term. We were told we would discuss the options which included repayment plan, modification, moving the past due payments to the end of the loan, etc. This is deception, we were never asked nor provided any financial information for Mr. Cooper to review for a modification or repayment plan. They just assumed we did not qualify. How can the mortgage company determine we don't qualify without any financial information? Is this common practice for certain types of people? They prefer to put us out of our home without trying to help us. 

While Mr. Cooper would like to sell our home, we are seeking fair business practice guidelines per COVID-19 rules to resolve this issue. Our goal is to stay in our home. We were appalled how easy it was for the representative to state cant we pull {$15000.00} from our 401K in the middle of a crisis.
Product: Debt collection

This is not my debt I have never had an account with XXXXperiod. Take this off my credit you can not prove this is my debt because it's not mine please remove or I will have to contact the state attorney office and my lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX to inform them that I have been negatively impacted on my credit report. Although I made my payment in full on the website, they stated the reason for the negative impact was due to interest that was not paid. I explained to them that the interest was not reflected in the payment request online. Had it been reflected, payment would have been made. The person ( XXXX ) in Consumer Credit Specialist Department agreed but stated the only way she can discuss making the change with the credit bureau was if the mistake was done by a third party. 
I believe this is unfair since the bill did not illustrate correctly. Please have XXXX update my credit report and remove my negative impact.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelle handling disputes particularly in light of recent cfpd 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 adequality they informed me that recovering the funds was impossible and that tracking these transactions were unfeasible the cfpds findings indicate that zelle not only neglected to protect consumers but also have allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Payday loan, title loan, or personal loan

My mother XXXX XXXX was told by a rep from XXXX XXXX  that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing 60 days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXXFrom the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE 3-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER 18MO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW.
Product: Credit card or prepaid card

XX/XX/2020 THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00} AVAILABLE CREDIT LIMIT {$15.00} ANOTHER REPEATED DISCRIMINATORY PRACTICE WITH THIS BANK. CITIBANK APPARENTLY LIKES TO DO THIS PRACTICE TO HARM THE CREDIT OF THEIR CLIENTS CONSECUTIVELY. THIS ACCOUNT HAS NEVER BEEN OVERDUE MUCH LESS THE USE EXCEEDED 50 % NOW MY CREDIT IS AFFECTED BY THIS NEGLIGENT PRACTICE OF THIS INSTITUTION. THIS AGGRAVATES MY HEALTH SINCE I HAVE WORKED SO THAT MY CREDIT IS A STABLE ONE AND THESE PEOPLE WITHOUT PRIOR NOTICE LOWER THE CREDIT LIMIT TO AFFECT THEIR CLIENTS. WHAT'S MORE, YOUR EMPLOYEES DON'T KNOW THE REASON WHY THIS HAPPENED, I KNOW THAT CITIBANK HAS EVERY RIGHT TO SEE MY HISTORY AND IT HAS MORE WEIGHT THAN MY HISTORY, THERE IS NOT A SINGLE DELAY IN ALL MY LINES AND IF THERE ARE TWO ACCOUNTS WITH OTHRT INSTITUTIONS THAT ARE HIGH BECAUSE I HAD XXXX XXXX AND I PAID FOR MY TREATMENT THAN THESE OTHER ENTITIES, WICH IS IRRELEVANT, BUT I WILL MENTION THAT EVEN THESE TWO INSTITUTIONS HAVE NOT DONE THIS DAMAGE TO MY CREDIT AND CITIBANK, WHICH ARE FOR THE END OF LOW LINES DO THIS PRACTICE.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

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

XXXX XX/XX/XXXX XXXX XX/XX/XXXX Trans Union, XXXX, and XXXX have 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 can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





NAFCOFINANCE Account Number : XXXX Inquiry 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

XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Open XX/XX/XXXX {$450.00} was spent unauthorized, This account wasn't approved by me. Please remove and delete this account from my report. 
XXXX. XXXX XXXX / XXXX -Open XX/XX/XXXX {$860.00} unauthorized balance and incorrect. I Make on-Time payment there shouldn't be any open balance. Please remove and delete this negative remark. 
XXXX. XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX - Open XX/XX/XXXX {$4600.00} This account was broken due to covid-19. my job was slow i was layed off so i couldn't keep up with my lease. I also was making on-time payments. I was never late. can you please remove and delete this negative remark. 
XXXX.Wells Fargo Bank  XXXX Open XX/XX/XXXX {$110.00} This account was unauthorized. This account was not authorized by me. This account is outdated this should not be on my report. 
5.DEPT OF EDXXXX XXXX Closed XX/XX/XXXX This is a duplicate account showing on my credit report not only that this account is 14 years old why is this on my report this is hindering my credit report. 
XXXX. XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX {$0.00} This account was not open by me. I didn't authorize this account to be open. This is not my account or have rights to this false account. 
XXXX. XXXXXXXX XXXX  XX/XX/XXXX Unauthorized inquiry i didn't apply for anything. Misused. 
8.DEPT OF EDXXXX XXXX - Open XX/XX/XXXX {$17000.00} As you can see i have outstanding on time payment history my joy was laid off and i also was going through a disaster at the time. can you please remove the missed payment remark. I am more responsible to make on time payments and this is very important to me.
Product: Debt collection

Asked them to validate the alleged account by sending me a LEGAL signed contract. All they sent me was statements for a name that is not mine at an address I do not know. But no legal contract proving I owe this debt or ANY contract that I would have with them that would give them any right to collect the debt AND report this item to the Credit bureaus! Therefore they are illegally reporting this account to all bureaus, thereby being HIGHLY injurious to my credit reports AND my reputation AND hurting my chances of obtaining ANY credit in the future! 

I NEED THIS ACCOUNT REMOVED FROM ALL CREDIT REPORTS AND FOR THE COLLECTION EFFORTS TO STOP! 

I am ready to file suit against them if they fail to legally and accurately respond to my latest letter datedXX/XX/2021
Product: Mortgage

Keybank pre-approved me for an {$80000.00} mortgage based on my income. Their broker made it sound like this was a done deal. They did not disclose all of the requirements at the beginning of the process.

Then they began giving me the runaround on approval, in relation to requirements that, had they been disclosed in the beginning, would have deterred me from choosing this lender. This went on for several weeks, during which, instead of giving me all of the information, they doled out one new request at a time. This eventually ended with them insisting my husband had to cosign for the loan, and we had to start all over.

Then they gave us both the runaround for a few more weeks, including demanding that we explain to them where Keybank 's own inquiries into my credit for the previous mortgage application that the bank abandoned came from.

In the end, they denied the loan, leaving both my credit and my husband 's credit damaged by their multiple inquiries, the seller whose property we were planning to buy doubtful that we'll be able to make the purchase, and our landlord with renters who have no lease but can't move out.

Upon putting us in this position, Keybank 's broker finally admitted to us that another option he had actively discouraged us from using, OHFA, would have been better for us all along, but he didn't want us using that option because it's not through Keybank and they wouldn't make any money from it.

This lender acted dishonestly to prevent a potentially profitable client from getting better service elsewhere, and damaged our credit in the process.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information that remains on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correctionincluding letters sent on XX/XX/XXXX and XX/XX/XXXX, XXXX inaccuracies have not been resolved.

This lack of correction violates provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that you investigate this matter immediately and correct the inaccurate late payment notation.

Details of the Account and Discrepancies : High Balance : {$36000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Closed Date : -- Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Open Payment Status : Current Creditor Remarks : Auto, Fixed rate Payment Amount : {$590.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$0.00} Account Type : Auto Loan Credit Limit : {$0.00} Two-Year Payment History : XX/XX/XXXX : 30 Days Late Summary of FCRA and TILA Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information. Additionally, 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction from your agency. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if necessary. Please treat this matter with urgency and provide a response within the legally mandated time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS PASS STATUTE OF LIMITIATION SHOULD HAVE FELL OFF
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint regarding my attempts to resolve an issue with XXXX concerning inaccurate credit reporting and the failure to provide a required 1099-C form for a charged-off account.

Here is a summary of the situation : Account Status : XXXX has reported an account of mine as " charged off '' on my credit report for several years. However, despite this reporting, XXXX has failed to issue a 1099-C form, which is required when a debt is forgiven. 
Attempts to Resolve : I have reached out to XXXX multiple times to inquire about this issue. 
Specifically, I have contacted XXXX in XX/XX/XXXX and XX/XX/XXXX, seeking clarification and requesting the necessary 1099-C form. 
Despite my repeated attempts, I have yet to receive a response or the requested form. The company has not provided any documentation or explanation for the charged-off status.

Impact on My Credit : The failure to provide the 1099-C form or to resolve this matter has caused confusion regarding my credit report and has left me in a state of uncertainty about the true status of my account with XXXX. 
I have made every effort to address this matter directly with XXXX, but without success. I am now seeking the assistance of the CFPB in ensuring that XXXX provides the required 1099-C form and corrects any potential inaccuracies in the reporting of this account. 

Please let me know if any additional information is needed to assist with this matter. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 can not furnish a account without my written instructions
Product: Prepaid card

Since XX/XX/XXXX and I'm asking BHN to resolve my case for unauthorized transaction on my card. My card has been compromised without my permission and BHN are delaying the process to get my funds by requesting things that they supposed to do ( like contact the police ). THIS IS NOT MY JOB. I sent them a proof of address a picture of the card which they ask at the beginning. i hope CFBP to help me recover my money
Product: Vehicle loan or lease

The closed paid charge off account was voluntarily deleted from my XXXX  credit report. On XX/XX/20 I submitted a dispute to XXXX, XXXX, and directly to the company to request the deletion of the account due to it having been deleted from XXXX  and also due to inconsistent and inaccurate information when comparing the reports. The company corporate finance specialist in response to my dispute informed me that the company is not responsible for reporting monthly account history ( number of days late and the number of charge offs ) or status and suggested that other accounts on my report were probably being included hence causing the inaccuracies. Both the report responsibility and suggestion I know to be false. I have only one other account on my report which is three weeks old and open. On XX/XX/20 the company added the closed paid charge off acct back to my XXXX  report.
Product: Debt collection

GLA Collections and XXXX is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that GLA collections validate the debts they all reporting to XXXX and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. GLA is reporting a total of XXXX debts of which some appear to be repeating to XXXX. I have requested by letter and phone that GLA Collections provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on deaf ears by both GLA collections and XXXX. As stated to GLA Collections this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.
Product: Money transfer, virtual currency, or money service

Crypto.com is withholding my money. I have chat transcripts showing they blatantly lied to me and making it impossible to get my money back
Product: Debt collection

Express Recovery has repeatedly attempted to collect a debt paid to the original creditor in full after confirmation the debt has been paid. Express removed the collection from XXXX after a successful dispute but has yet to remove it from XXXX or XXXX.