23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As a result of a previous CFPB complaint submitted by myself and Congressman XXXX 's office ; Mr. Cooper, my loan servicer, provided the attached resolution. The resolution dated XX/XX/XXXX on page 2 states that they would re-instate my loan modification if I paid them {$36000.00}. This amount, per the attached resolution covers payments from XX/XX/XXXX through XX/XX/XXXX. I submitted the full amount with certified funds on XX/XX/XXXX. It took a few weeks for the funds to post. I have had over a dozen calls with Mr. Cooper since. Most recently I was told that despite the attached resolution, they made a mistake and I owe an additional {$9300.00} due to a mis-applied payment on XX/XX/XXXX. 

I have since made payments for XX/XX/XXXX through XX/XX/XXXX.  Because I complied with their resolution, and their mistake occurred over a month prior to issuing the resolution, I believe my account should be considered as current. This is simple contract law - they made an offer, I accepted their offer and paid the requested amount in full, they accepted payment thus accepting the contract. 

As part of the HAMP modification process, Mr. Cooper and the Lender had the ability to reduce the principal amount and/or reduce the amount of interest accrued in addition to what they provided. My original interest rate was 6 %. Applying the new modified rate to the past due amount would have resulted in savings much greater than the {$9300.00} mistake they claim to have made. 

In addition to the simple facts above, I was happy to have this resolved after years of trying and after actually having them foreclose my home. I was within about 30 days of being evicted with my 2 children. I have spent more than XXXX dollars in legal fees, have been physically/mentally damaged from the foreclosure process, and lost my fiance due to the mortgage issues which they classified as a " miscommunication. '' I would appreciate some support to get this issue resolved without me having to proceed with further legal proceedings to fix this. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent a first class certified mail letter to Waypoint Resource Group collection agency on XXXX XXXX XXXX. I advised them that the account they bought was not mine and to verify the account. I also advised them to remove the collection account from my XXXX report if they are unable to verify the account. They never responded to my letter and the account remains on my XXXX credit report. I reached out to XXXX 5 times and disputed the account, asked several times for them to verify the account. The account was removed then put back on my report the next month. I was told by several representatives they do not verify incorrect information. The collection agency and XXXX refuse to verify or delete this account from my credit report. Please investigate and remove this account from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

per 26 cfr 301.6312-1 and irs publication 4681, a charge off is considered a certificate of indebtness and is considered income, and it is illegal to report income on a credit report. Income is not reportable and must be removed. 
the following accounts should be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please send me confirmation of deletions as soon as completed
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These entries do not reflect my true payment history and misrepresent my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint. 
Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX XXXXXXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
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. 

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  has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 
I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX from Branch Service Manager XXXX XXXX, after seven years as a customer, saying " This letter is to inform you XXXX XXXX, has made the decision to close the financial accounts referenced above. We do not believe it is in the best interest of the bank to continue your relationship with XXXX XXXX. Your accounts will be closed effective XX/XX/XXXX '' " As a result of this action, deposits will not be accepted after XX/XX/XXXX. Deposits made to your accounts may be subject to holds. Checks and debits presented for payment after XX/XX/XXXX, will be returned account closed. A cashiers check for any remaining balance will be mailed to you after the accounts close '' Their was no prior warning, nor was there any incident that would have warranted this response. The amount of time given is not sufficient. I am a retiree who receives SSA and retirement benefits through direct deposit. I have creditors who have to be informed of a new account and who need time to process this change through their system. Any creditors who have not been paid will have an adverse affect on my credit. 

I have sent a certified letter to XXXX XXXX detailing the problem as well as calling XXXX XXXX  Customer Service requesting a intervention. I have yet to get a response.
Product: Credit reporting or other personal consumer reports

Experian will not allow me to unfreeze my credit report to apply for a car loan. I entered my information numerous times over the phone with no help from the automated system. The automated system would not allow me to speak with a " specialist ''. I had no problems calling the other bureaus and have the freezes temporarily removed. The other bureaus were quite helpful and very professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
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. 

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

XXXX is reporting I owe on students loans that are XXXX years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : Fair Collections & Out, Account # XXXX 15 USC 1681 602A states that I have the right to privacy.

15 USC 1681 604 A section 2 also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

15. U.S Code 1666b section A says verbatim, '' A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So is Experian above the Rules, Regulations, Codes set herin from the United States Commercial Code? If Experian agrees to abide by the 1974 Privacy Act why does Experian continuously violate the terms and obligations they say they will uphold? Experian has been known to violate its users privacy rights on many occasions. Around XXXX XXXX XXXX  Experian decided to create a XXXX XXXXXXXX XXXXXXXX XXXX fund to address Experian 's data breach. I was not part of that lawsuit but once again I believe Experian to reiterate Experian has been selling my data to a third party knowingly then misrepresenting that information by reporting false and misleading information which has put a financial burden on me and my future purchases.
Product: Credit card or prepaid card

I owe {$0.00} to XXXX  and card should be active. 

card is stayed i owe money and closed. This is in accurate
Product: Student loan

I am being sent a bill each month by email and physical mail for a loan I donot recall applying for. The loan doesnt have my correct name on it and XXXX has checked out my loans and it doesnt appear on my loan history according to Dept. of Education. I was afraid to not pay so I did it for about two years while attending college. When I called them they said I had to pay anyways and told me that my wages would be garnished or my credit would be impacted negatively. I was terrified of those consequences so I made the payments on time monthly.
Product: Checking or savings account

I am disputing US Banks exercising the use of " right of Offset ''. On XX/XX/2023 US Bank charged my US bank Business checking account for {$7600.00}. There are several laws that prohibit the 'right of offset '' for non-secured consumer credit, such as credit cards. Here are a few : - Federal Reserve 's Board Regulation Z, 12 CFR Section 226.12 ( d ) ( 1 ).

- Truth and Lending Act. 
- Fair Debt Collection Practices Act. 

I called them immediately stating I dispute their use of " right of offset '', I also sent them a response letter on XX/XX/2023 stating I dispute their use of the 'right of offset '', and listed items that by law must be presented to legally prove their actions. They only left me with {$200.00} dollars in my account, when I complained about not being able to pay my mortgage, they sent me a check for {$1900.00}, 25 % of the total that they withdrew. After 5 more phone calls over the next couple of weeks, they could not give me an update, nor had they given me any documentation proving the legality of their use of the " right of offset ''. 
Finally, the last woman I spoke with said that I was sending all of this information to the wrong place and gave me a fax number, and a different address. I sent all of the information again to the new address and fax number on XX/XX/2023. They responded on XX/XX/2023, through the letter I have attached. 
The letter gives no legality of US Banks use of the " right of offset. They claim I gave them authorization when I signed up for the Credit Card. They sent me a copy of a contract, without my signature or date on it, they allege that they are able to use the " right of offset '', But in the very next paragraph of the contract it states that the right of offset does not apply " to a debt that is created by a consumer credit transaction under a credit card plan ''. I am disputing US Banks exercising the use of " right of offset ''. It is not legal in this instance.
Product: Credit reporting or other personal consumer reports

This was a secured credit card with the XXXX limit. I paid this card down and they added late fees on this card. I disputed this transactions and the amount and I won the dispute and they closed the account off although it was still showing up on my credit report. Now it's showing up on my credit card again with a XXXX balance and an open account affecting my credit. It was a limited card there's no way it's {$890.00} when it was a {$200.00} card limit. Plus it was paid off and closed and then it suddenly reappeared.
Product: Vehicle loan or lease

There is a recovery place that has called me multiple times in a different state in which I do not reside that I was visiting over the holiday weekend. He contacted me on Saturday XX/XX/XXXX. Spoke with him gave him what my address was and told him that I did not reside in the state that he was contacting me from. Gave him what my address was. Was supposed to call him back but I did not. His name is XXXX XXXX he told me he was a recovery agent. The phone number he has been contacting me from is XXXX. He left me a voicemail that he will put an alert out for my car where i Can be pulled over on the highway and have it towed in. He said he was an investigator with the state. I have not since spoken with him since the XXXX but this voicemail came through on XX/XX/2018. For him to even say he can do this is a violation. He can not put an alert out on my vehicle and I dont know what kind of scare tactics he is trying to do but this is not fair treatment. Please advise. Thank you.
Product: Debt collection

XXXX XXXX XXXXXXXX has illegally and inaccurately reported an account that is not mine. I would like this account thoroughly investigated and removed once found to be illegitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me to a change to my credit report in XX/XX/2022. A hard inquiry was requested for an application to a XXXX XXXX XXXXXXXX card that I did not apply for made. I contacted XXXX XXXX XXXXXXXX by phone on XX/XX/XXXX and XXXXXXXX XXXX  to report the fraudulent application. I was told the inquiry would be removed. 

It is still there as of today and it is affecting my credit score negatively.
Product: Checking or savings account

On XX/XX/XXXXmy 5/3 college checking account was debited $XXXX  for an "account dormancy" fee but I never received any notifications, phone call, or email from 5/3 regarding this. I emailed their customer service and XXXX XXXX replied with this message: 
"Thank you for contacting Fifth Third Bank. Your checking account ending in XXXX has become dormant. Electronic transactions cannot be performed to or from dormant accounts. Please consider making a mobile deposit, visiting a local Banking Center to make a deposit into the account, or withdrawal from the account. 

You may refer to the branch/ATM locator on the www.53.com website for Banking Center addresses and telephone numbers. It can be found on the top right corner of the homepage. 

According to the Dormancy Rules and Fees in the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet:

"An account becomes dormant after a period of inactivity of 12 months for a checking account and 36 months for a savings account. Inactivity means there has been no deposit into, or withdrawal, from the account. See the Fee Schedule contained herein for the fees associated with dormant accounts. Bank reserves the right to close an account if there is a XXXX balance and no activity for a period of time."

Once an account becomes dormant, a statement is sent notifying you that your account has been placed in dormant status. In addition, an annual statement is sent to all accounts in dormant status in XXXX of each year.

The dormant account monthly fee is $XXXX."

When I tried to withdraw my funds so I could close my account, I discovered it was impossible. Also going to a local physical 5/3 branch is impossible now due to coronavirus. So essentially 5/3 is holding my funds hostage and at the same time robbing me of my own money.
Product: Checking or savings account

I received an alert informing me that a {$10.00} debit card transaction to XXXX was made on XX/XX/2020 from my account but I did not make this transaction and there is no way possible that someone else used my debit card to make this transaction because at the time I received the alert I was sitting on my couch watching XXXX and my debit card was in my wallet. 

I tried contacting Chase bank to dispute the transaction but after reaching the correct department by pressing the numbers of the buttons their automated system instructed me to press I was only placed on hold again by an live agent and forced to listen to more automated messages telling me to Please remain on the line for the next customer support specialist. Once I realized that I was never going to speak with a customer service support specialist to dispute the transaction I just hung up. 

It is my belief that Chase bank is intentionally refusing to allow customers to dispute transactions and the CFPB along with the FBI needs to get involved to assure that Chase bank is not participating in fraud.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 XXXXXX/XX/XXXX