23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan modification through Specialized Loan Servicing ( SLS ) last year in XX/XX/XXXX due to me being unemployed and wanting to try to keep my home. I was approved for an unemployment forbearance with the total amount being due on XX/XX/XXXX. I have attached a copy of the forbearance agreement that I accepted on XX/XX/XXXX. 
SLS sent a letter in XX/XX/XXXX stating that I did not accept the agreement, I reached out to the company and verified that the forbearance plan was still active. Also, on XX/XX/XXXX I filed for a XXXX XXXX bankruptcy ( Case # XXXX ). As, I was still unemployed and could not afford all of my debts. But, my plan was to keep my home if I could. On XX/XX/XXXX, I received a motion for relief from automatic stay filed by SLS by XXXX and XXXX XXXX firm with a hearing date of XX/XX/XXXX at XXXX XXXX. The motion states I am behind on my payments, which is contradictory to the forbearance agreement that SLS approved for me to be behind on payments until XX/XX/XXXX. I called SLS on XX/XX/XXXX to inquire why this motion was filed with me having an active forbearance plan and also why I was not given an option to reaffirm the debt prior to them filing the motion. The representative I spoke to told me I needed to contact my lawyer and provided me with me no information. I feel SLS is moving to evict me prior to the agreed upon Unemployment Forbearance plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

violation of FCRA VIOLATION OF XXXX XXXX COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint I am not going keep having my FCRA RIGHTS violated. I have sent in documents and ftc report and other report these inquiries and account need deleted Now
Product: Credit card

I am not a member of the armed forces, but I am a XXXX. I am complaining about the closures of my credit card accounts with Barclaycard Bank Delaware. I have XXXX accounts with this bank : 1 ) XXXX XXXX XXXX and 2 ) Barclaycard XXXX XXXX. I realized they closed my account on XXXX XXXX, 2016. According to California Civil Code 1747.85 " no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so unless the cardholder is or has been within the last 90 days in default of payment. '' I never received such notice, and the Bank confirmed via telephone on XXXX XXXX that a letter was mailed on XXXX XXXX that " immediately closed '' the account. I received the letter in the mail on XXXX XXXX, 2016. I informed the manager that I was not given proper notice and demanded the account me reinstated immediately. They did not grant my demands, even after citing California code. I talked with a XXXX on the phone on XXXX XXXX and he said he could not reopen the account and said the next step is to contact the Office of the President for more information for reinstatement. CFPB complaints are automatically reviewed by the Office of the President, so I am taking this route to continue to complaint.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I have called a few times to negotiate the debt that my mother accrued and cited my personal information for credit cards she did not qualify for. In 2021, she passed away and passed along her debt to me. This was a result of identity theft, not because it was me who is responsible for this debt.
Product: Debt collection

North coast was removed from my credit report as a collection. Then it was reposted as a revolving account. I have never made an agreement with them about a revolving account I was never notified or asked if I agreed to a revolving account
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Equifax 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$250000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXXICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX SXXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns about Zelle 's approach to dispute resolution, especially in light of the recent CFPB lawsuit, which highlights significant shortcomings with the platform. As a frequent user of Zelle, I have reported discrepancies in transactions, only to be met with inadequate responses from both Zelle and my financial institution. I was informed that recovering lost funds was not possible and that tracking these transactions was beyond their capabilities. The CFPBs findings underscore a troubling pattern where Zelle has failed to protect its users, enabling repeat offenders to exploit the system and leaving consumers 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 or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed.

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

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


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXXXXXX XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a request for an investigation via postmail, I received an email stating that they could not verify my information although identification documents and proof of address was provided. This is a clear attempt to stall my investigation request. 

" We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. ''
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting

My son borrowed the money this is a school loan, he is not currently enrolled in school and was unemployed they ask for me to pay it in full harassed me on a daily basis to pay this loan in full. Now its on my credit report as a collection. Should this affect my credit and my sons both? My son is currently making payments. So is it still a collection and and why is it affecting us both. Can They ask for payment in full or else. I thought a student loan was paid in installments until it is paid off not called to be paid in full when creditor feels like it. This is wrong some how!
Product: Credit reporting or other personal consumer reports

There is a chronic problem with my Transunion credit report. I have been the victim of multiple Identity Theft and as such, all three credit reports are frozen by me as a cautionary measure. But for some reason, Transunion is the only one that keeps committing fraud. 

After disputing and fixing errors on my Transunion report, the debts keep re-appearing and gets re-aged. Inquiries are coming even though I never open a loan or a credit card. Scammers are using Transunion weak security measures to make unauthorized inquiries and re-age loans over and over again. This has resulted in my personal information being all over the place and in the hand of nefarious debt collectors.

Most of these guys keep forming new LLCs and making up threats on debt that's made up out of thin air.

I have disputed the wrong information and contacted Transunion over and over for most of 2024. But they seem to just want to keep letting this happen.
Product: Mortgage

History : - my mortgage of {$400000.00} originated by XXXX XXXX is closed in XX/XX/XXXX by my loan agent XXXX He ( XXXX ). 1st Payment due is on XX/XX/XXXX. Before 1st payment due I received loan service transfer letters, new loan servicer is XXXX XXXX/XXXX  tells my payments should be sent to them starting XX/XX/XXXX. So did I. 
- Late XXXX LoanCare/XXXX suddenly sent me mortgage bill after I have paid it to XXXX XXXX. I logged on XXXX website with my account number on the bill and sent them messages and XXXX XXXX  letters. They still asks me to ask XXXX to forward my payment to them. They are now saying service transfer date was XX/XX/XXXX, not acknowledging or mentioning XXXX XXXX  's letters I provided to them. The loan was sold on XX/XX/XXXX or XX/XX/XXXX, service transfer has occurred in XXXX! I am attaching the 2 service transfer letters. 

- Now loancare reported delinquent pay to XXXX  damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Mortgage

Need help to have my mortgage deferred due to my covid-19 hospitalization. I have been Battling with fay servicing for a mortgage payment deferment from XXXX XXXX XX/XX/2020. Fay servicing has repeatedly told me because my mortgage was not a federally backed loan, not covered under CARES act they would not offer me a deferment. Forbearance, ending with a giant balloon payment in 180 days was my only option. I have explained my state signed in their own special act in XX/XX/2020 governing these mortgages that aren't federally funded to be granted into a deferment and to be added to the end of your loan. Fay servicing has been negligent throughout this process. I initially called Fay in XX/XX/2020 to discuss my hospitalization from being XXXX positive and asked for a deferment but was informed that a forbearance was my only option but to check back as things are constantly changing. After weeks of calls, explaining the facts and checking back, they explained that they would not discuss relief options over the phone or by email because its only done through a letter they will send to me in the mail. I was told in 7- 10 business days that I would get this letter by mail describing my option for mortgage assistance. I called after 14 days of no letter, they explained to me through these hard times the mail is slow and keep checking my mail. After a month of waiting I was then told there was no letter but im on the waiting list to be reviewed for mortgage assistance. Weeks later, again I called and was told I was not being reviewed for relief but I needed to now email them my hardship and then I would be put in a waiting list for the review process. After a few more weeks of multiple emails and a promise to get back to me within 48 hours I was finally told there is no review process, I was just not eligible for any assistance beyond the forbearance with a balloon payment and they have no emails or letters explaining my relief options, acceptances or denials. I need an explanation in writing of my eligibility or ineligibility outlined with dates and amounts, please. Because of Fay servicing has not taken any effort to review my mortgage, my family has over extended its financial ability, creating seriously over extended debt. Chapter 65 of  the Acts of 2020 section 5b states " A payment subject to the forbearance shall be added to the end of the term of the loan ''. Why is this so difficult for Fay Servicing to understand? Fay servicing has refused to accept this law and will demand a lump sum at the end of the forbearance. This is a criminal act against the unknowing mortgagee. Fay Servicing is intentionally misleading their customers to scare them into paying their mortgages while in hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to dispute XXXX  times the company have no proof the account is mine no proof of my signature or proof that i owe this account
Product: Credit card or prepaid card

My identy has been used to open credit card accounts .This is fraud and i have notified the origional creditors of this fraudenulent issue.