23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require MISSIONLNTAB to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.
Product: Credit reporting or other personal consumer reports

THIS IS MY SECOND TIME REQUESTING MY CONSUMER REPORT AND SCORE WITH NO AVAIL.
Product: Checking or savings account

I have had a checking account at E*Trade Bank since XX/XX/XXXX. On XX/XX/XXXX I opened a new money market account at E*Trade Bank and on XX/XX/XXXX I opened a second new money market account at this Bank. On XX/XX/XXXX, I sent a certified letter to E*Trade Bank to opt-out of the mandatory arbitration clause following the instuctions contained in the Banks account agreement, which as mailed to me with the new accounts signature card. The Banks acccount agreement states opt-out of arbitration is permitted if requested within 60 days. The US Postal Service confirmed the certified letter was delivered to the Bank on XX/XX/XXXX. On XX/XX/XXXX ( 5 business days latter ), E*Trade Bank informed me they would no longer be doing business with me, were placing me on their no further business list, and I had 30 days to remove funds from my accounts. I sent E*Trade Bank a complaint letter via their online submission system on XX/XX/XXXX and I received a call back on XX/XX/XXXX in which a representative of the bank verbally confirmed that my account was being closed because they viewed me as a business risk since I was requesting to opt-out. I offered to rescind my opt-out if the Bank would allow me to keep my checking account with them open. On XX/XX/XXXX, with all my account balances at XXXX, the Bank closed my checking account without my permission and locked me out of their online website to view statements and account information. What is the point of arbitration opt-out if E*Trade Bank closes my account? That isnt an opt-out if they close your accounts because you opt-out.
Product: Debt collection

Debt is too old to be collected on according to fair crediting act called my job and told my boss they were a debt agency looking for me and would not stop calling my work number
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX LL XXXX, Account name : 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 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 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 information is inaccurate.
Product: Debt collection

XXXX from pendleton capital will not stop calling my job. He calls over and over even after being asked by different people to stop calling. Then calls all my relatives. treats people who answer the phone rudely and threatened me with the cops.
Product: Payday loan

I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.
Product: Vehicle loan or lease

Westlake Financial is reporting this account as a repossession and a late payment on XX/XX/XXXX to all 3 credit bureaus ... .This is inaccurate. there was never a late payment on this vehicle and it was never repossessed. I have disputed this with all 3 credit bureaus as well as with westlake. 

There are multiple violations in the reporting of this account and i would just like the ones above fixed to reflect that this vehicle was never repossessed and that it was paid on time the month of XX/XX/2020 XX/XX/2020
Product: Credit card

I received my periodic credit report from XXXX XXXX Bank. 
There was a credit card account shown on the report from JPMCXXXX ( JP Morgan ) that was opened XX/XX/2024 in my name that I have no knowledge of. I have never done any type of business with them. I contacted them and their fraud department took a report and will be contacting me. They instructed me to contact XXXX which I did. XXXX 's case number is XXXX.
Product: Mortgage

I applied for a modification with SLS, which was granted on the basis of unemployment notified them XX/XX/2024 they set up trial payments with that information beginning XX/XX/2024 first payment due second payment due XX/XX/2024. I dont know how they expect me to make these payments but I managed to make the first XXXX the second one I had set up a payment date for XX/XX/XXXX. It was drawn out of my account on XX/XX/XXXX funds were not available and transfer was reversed. They then canceled my modification. I called and spoke to an agent who was helpful and sympathetic and thought he would be able to get my modification reinstated but I was told it was canceled and no further help was to be provided, I have issues here One was the start date for the modification being before my unemployment ended to the early attempt to withdraw the payment after I had specifically set up the payment with one of their agents for a specific date request that you are valued this for unfair and deceptive trade practices and an attempt to appear to be trying to assist me XXXX.
Product: Vehicle loan or lease

XXXX/WESTLAKE FINANC You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX 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 and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX XXXX XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband got sick and has n't been able to work since XX/XX/XXXX. We went to the bank about our mortgage within a month of this. We have been in contact with them many times since. We have fallen behind many times since because we have had many issues with the XXXX XXXX XXXX XXXX in getting his sick pay and his XXXX. His sick pay would be held from 4-8 weeks at a time. When we did get a check we paid the note up to date. We even borrowed XXXX from relatives to catch it up and no matter what we have paid on the loan it just keeps going up instead of down. In XX/XX/XXXX we owed XXXX. on the loan now it is at XXXX. for payoff. We have tried to pay but no matter what we pay it does n't go down. W have contacted the Bank over and over and all they tell us is we are going to foreclose. We have tried to request a refinance and modulations at least 6 times since XX/XX/XXXX and have been turned down. We have decided to just sell and take what we can and move to an area that we could live easier. The Bank has put the house in for-closer as soon as we put it on the market. So we ca n't get any equity out of the home to start over. The Bank Of the West in Nebraska will not tell us when we have to get out or anything they just want us to pay the XXXX or else. We do n't know what to do. My husband is a veteran and worked for the XXXX for 23 years. I hope you can help. We make payments and it is never accounted to our bill and when we talk to them they change the rules every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with WellStreet/Beaumont, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.
Product: Checking or savings account

I opened a Citi Accelerate Savings account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external XXXX XXXX Account. On XX/XX/2019 XXXX notified me that an item had been returned. I subsequently called Citi Customer service and was told that the transfer was marked as potentially fraudulent and that Citi had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from Citi asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. 

Because I had received an email from XXXX indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my XXXX account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from XXXX indicating that an item had been returned and an email from Citi indicating the transfer could not be completed. Citi automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. 

I called XXXX customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a XXXX suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with XXXX and that I should call Citi to request they investigate the same. 

I called Citi Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in Citi 's system and possibly hadn't yet connected with XXXX ' system but could not tell me a date this would be resolved. 

I called Citi customer service on XX/XX/XXXX and was told the funds were not with Citi and to call XXXX. Citi offered to wait on the line with me while I called XXXX customer service, but eventually told me they could not continue to wait and hung up.
Product: Debt collection

Planning for retirement we acquired a rental property. 
From XXXX to XXXX we operated the property without any problems The property was serviced by XXXX. ( The biggest lender at the time ) In XXXX XXXX collapsed and was acquired by XXXX XXXX XXXX 
We lost our jobs and defaulted on the XXXX Loan. 
As soon as we regain employment, we filed a Loss Mitigation Application. 
We endlessly faxed updated financial documents to XXXX, but, NO MODIFICATION WAS PRODUCED BY XXXX. ( see attachments ) We were invited by XXXX to a new department called : " Loan Modification Made Easy " ( see attachment ) We endlessly supplied updated financial documents that Dept., but NO MODIFICATION WAS PRODUCED BY XXXX. ( see attachment ) Reading the attachments it becomes obvious, the Modification of this Loan was intentionally delayed by Lenders in order to take a bigger bite into the equity of the house. 
The Mortgage Debt Soared by 50 %. 
In XXXX " The Inflated Loan ", was transferred by its owners, to Shellpoint Mortgage Servicing. 
At this point the THE DEBT INFLATED BY XXXX was now ready to be modified by SHELLPOINT in a matter of weeks. 
This Fraudulent Manipulation, made this mortgage unmanageable. Today we are being threatened by Foreclosure and Deficiency Judgement.  We are going to take Legal Action  if this issue is not solved here.
Product: Student loan

I found out I qualified for the loan repayment program and signed up for that in XX/XX/XXXX when I began a new job. I have recently come to find out that I was lied to. It was NOT a repayment plan for the PSLF, but an actual reconsolidation instead via a 3rd party along the way. Thus, all the payments I have made since XX/XX/XXXX have not, nor will be, counted toward my 120 total  payments needed for the PSLF condition. I was told that I'd probably be done paying by now. I'm currently enrolled with the PSLF loan and seem to be on the right track now, but all of the payments before this mixup of the XX/XX/XXXX reconsolidation that should have been counted can not be due to the lie I was told. I probably did sign some form then but obviously it wasn't correct and I have no clue how to fix this. I want to talk with someone bc I've been paying consistently since XX/XX/XXXX. My student loans are still high as ever and will soon be even with my house mortgage payments. I feel so defeated and beyond devastated. I am just not getting the correct information and being transferred nonstop. I've never done this before and was the first to go to college in my family. Please help me figure this out so I can get the credit for the years XX/XX/XXXX-XX/XX/XXXX I have been paying off my student loans and working in a nonprofit organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Product: Credit reporting or other personal consumer reports

Complaint ID XXXX ( Experian ) is and has been open since XX/XX/XXXX. They must honor all my requests in that matter. 

These are what the abbreviations stand for : XXXX XXXX XXXX XXXX EX = Experian ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX  : XX/XX/XXXX ; EX : XXXX XXXX ; XXXX  : DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( XXXX  and EX allowed XXXX  to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : XXXX  : {$640.00} ; EX : {$640.00} ; XXXX  : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : XXXX : XX/XX/XXXX ; EX : XX/XX/XXXX ; XXXX  : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to Experian 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, the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.
Product: Mortgage

From XXXX XXXX Wells Fargo changed my XXXX  processing company ( the company that I made my payments to ) without my consent.
Product: Student loan

Navient has been reporting my payments as being late since XX/XX/XXXX. However when i spoke to their representatives I advised them that due to the Care Act there should have been no payments on my account until after the legal decisions have been made through congress. The representative told me to dispute the late payments because of the care act. They then approved my forbearance and made my account current. However due to the misinformation my account still shows that I have been late however as you see I've never been late on any of my student loans ever.

Per Student Aid. gov, Student Loan Payment Pause Extended The student loan payment pause is extended until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments will restart 60 days later. If the debt relief program has not been implemented and the litigation has not been resolved by XX/XX/XXXX payments will resume 60 days after that. We will notify borrowers before payments restart.
Product: Debt collection

Receiving constant call from this company calling my daughter, my sons and wife phones.Asked them repeatedly to stop and they increased calls.Moreover, I've never entered into any agreement with them for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example Transunion and XXXX representatives stated that the status is updated on the XXXX of the month. Accordingly my research Transunion did not update on the XXXX of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XX/XX/XXXXand XXXXThis is not consistent. The dates are dates ae off. XXXX representatives told me they update on the 1st of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.