23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on CFPB complaint XXXX. DO NOT CLOSE THIS COMPLAINT. 

On XX/XX/2022 Capital One responded to the complaint submitted to the CFPB. In their response Capital One advised that the Customer Agreement ( CMA ) advises that they may report information about my account to the credit bureaus and others. Which is false and misleading. XXXX, XXXX and XXXX are consumer reporting agencies not the credit bureaus. Upon looking at that agreement I do not see the required disclosures under 15 USC 6802 ( b ). Capital One can not disclose my nonpublic personal information with a third party ( consumer reporting agencies ) unless I was given the right to opt out. 

Where in the Customer Agreement does it disclose my right to opt out? Where in the agreement does it explain how to exercise my rights? 

Without required disclosures, the furnishing of this account is inaccurate and a violation of federal law. As a federally protected consumer I am exercising my right to privacy.
Product: Credit reporting or other personal consumer reports

I received a call from the initial creditor on XX/XX/XXXX. They stated I had a bill that needed to be paid. It was roughly {$400.00}. There was an Agreement to pay about {$200.00} of that. They said if I did not pay it then it would be sent to collections. I attempted multiple times over the phone to pay, and even attempted on the website. The website appeared to take my payment but there must have been something wrong or it was not working because they have no payment confirmation. I exhausted every available option to pay the debt. They said that as long as I paid a certain amount it would be fine. Now my account was sent into collections and I have not received a debt verification letter. I tried to get a copy of the XXXX minute phone call to verify that their system was down when I attempted to pay my debt. I am not sure what to do. The original creditor and the collections agency are not very helpful.
Product: Mortgage

On XX/XX/2021, I called the company 's Mortgage line to make a payment on my existing mortgage for XXXX in the amount due for that month, including a fee. After making a payment through the automated system. 

On XX/XX/2021. I received an alert from my credit monitoring service, XXXX, showing a late payment alert from this lender. As it was after XXXX pm on a Friday, I could not call into the mortgage department and speak to a representative in this department to attempt to rectify this issue. At that time, this institution also had no support in the mortgage department during the weekend. On Monday, XX/XX/XXXX, I called to make the error known and note I previously called into the automated system to make XXXX 's mortgage payment. The mortgage representative stated that they did not receive the payment through the automated system. I let them know that this may be a system error but made a payment that morning to satisfy the error.

The automated phone system is the method that I have used to make payments over the last three years, almost 85 % of the time, to make my payments on this loan. Although this system has been reliable, I have had a prior incident with the automated system not applying a payment which was later corrected.
Product: Mortgage

On XX/XX/XXXX, I lost my job due to the impact from the widespread COVID-19 shutdowns. I immediately contacted Freedom Mortgage to discuss my issue and requested a forbearance. I was granted the forbearance over the phone and also instructed to make either whole or partial payments as my financial situation let me. On XX/XX/XXXX, a letter was sent out by them stating that I was in a forbearance through XX/XX/XXXX. It also stated that any partial payments would not be applied to my account and instead held in an interest free account until the end of the forbearance period. On XX/XX/XXXX, I contacted their customer service and was told that my loan payment due XX/XX/XXXX is still not paid and is still due. I reminded the lady that I was in a forbearance and it was not due. She backed off, but not before saying that my loan was going to go into foreclosure at the end of the forbearance. I asked if they were following federal guidelines on this and she then said I could request for the forbearance to continue after the initial period of XX/XX/XXXX. This is a horrible organization that uses bully tactics to intimidate their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

Please properly remit my 1099-C so I can do my tax return. Because the cancellation of debt belongs on my 1040. Once this notice is received please properly send the completed 1099-c form back to ( XXXX XXXX ). In the attached 1099-C document XXXX XXXX completed the sections to the best of knowledge. DISCOVER CARD also get to write this off on taxes for a major tax break. Send the completed 1099-C that you sent it to the treasury. All obligation of any debt belongs to the UNITED STATES OF AMERICA and my signature pays for anything hence why DISCOVER CARD was about to give a line of credit because of the asset back note. If you don't understand please reference back to the Emergency Banking Act of XXXX  and Indenture Trustee act of XXXX. Please do not take any adverse actions because of the enforcement of rights ( 15 USC 1681a ( k ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The credit bureaus stated following accounts were properly investigated Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX  XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX But I would like to know if they were properly investigated how is it possible that the open date is inaccurate, and date last reported is inaccurate, the balance is inaccurate. This is grounds of removal according to 15 USC. 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 incorrect. They also violated my rights under 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. This is grounds of removal of such accounts.

I havent given these accounts written permission to furnish these accounts on my credit report as well. Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report immediately.

Also according to my knowledge Account name # XXXX XXXX XXXX date stated on my credit report is inaccurate as well as balance. And according to the credit bureau response on XX/XX/XXXX which clearly states that COLLECTIONS THAT HAVE NOT BEEN PAID IN FULL WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. My question is Then why the account is not yet removed this is a violation of the bureau policy as well. Correct delinquency date as far as Im concerned for the account was XX/XX/XXXX. Hence regarding that account is still on credit report as of XX/XX/XXXX which is XXXX years apart. This is a serious violation of my rights as well. 
Also according to the credit bureau response on XX/XX/XXXX stating the following account Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Is in fact untrue and inaccurate, incomplete the item related to the account does not belong to me and I do not have any possession of such item whatsoever. As far as Im concerned the item was voluntarily repossessed taken back from my possession as of collateral. The last settled amount with the account holder was XXXX $ which still now shows XXXX and was never updated by the account holder. Hence this information is incorrect as well as the balance shown on my credit report and according to 15 USC. 1681s-2. ( A ) ( 1 ). This is a violations and hence grounds of removal. Please remove/delete accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX County Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report SYNCB CARE CREDIT I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.
Product: Mortgage

I started my home refinance on XX/XX/XXXX. 
I provided all requirements and document right on time, but they process so late. Even the loan officer was quit in the middle of refinance. 

XXXX XXXX Processor AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX This above was my loan officer and after 5 weeks later, i found that she is no longer work with Amerisave. 

Moverover, Amerisave abandoned me over 6 weeks in the middle of refinance, and they assigned me to other Loan officer. 

So far, it was over 3 months, but still refinance hasn't been completed. 

The problem is 1. Not providing the information what customer should know. For example, escrow questions and price information was not provided or not explained over 6 weeks, Amerisave had not responded back to me in time manner even though i called and left messages over 10 times. 

2. even 3 months passed, my refinance processing was not completed.

3. Very bad customer care, no responding, even the loan officer was disappeared.

4. a customer should get information even basic DC on time manner, But Amerisave didn't even respond over a month. 

Now, I will go with other mortgage company, and want to get my application fee {$500.00} refund back to me.
Product: Mortgage

We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.
Product: Mortgage

In XX/XX/2023 I was called by Mr cooper loan 's in regards to my loan payment status. I normally pay it on the XXXX of every month since I don't get paid on the first of the month and it can be somewhere within the first week or so when I do get paid. I do not have direct deposit so when I get paid it takes a day or two for the funds to become available. During this call they said it was their new policy to call you if you don't pay it by the XXXX of the month. I have a grace period until the XXXX and after the XXXX I get a late fee. I feel as this is standard. I asked if there was any way I didn't have to be called and told the story and I was told no, there was nothing I could do. I have never made a payment after the XXXX and never missed a payment in over a year and a half. During the first call I was asked if I was planning on buying another home or moving because I had " perfect payment history ''. This month I was called again. On XX/XX/2023 I missed the call that they sent and they left an automated voicemail asking if I was who has the loan and to press 1 for yes and 2 for no. The next day ( XX/XX/2023 ) i got another call that also went to voicemail because I was busy with my wedding that day. It was the XXXX so I knew I was paying it that day. I paid the monthly payment and then called back the number that was listed on the voicemail. Upon calling the number and entering the verification number that was in the voicemail I was notified that I was delinquent on my payment and that I had XXXX hours to clear it up. It then asked if I had paid it already or not. Next automated statement asked how much I paid. The whole time the system said in the call and in the voicemail that it was Mr. Cooper and that they are a debt collection company. It came up on my phone as Mr. Cooper loans. I think it is very predatory to do this when you have a grace period and tell whoever that they need to pay or else. This is not right especially since my loan was bought out from my other lender. I didn't go searching for this company and I didn't have a say in if my loan was sold or not. Based off the reviews online this is not the first time the loan holders have been taken advantage of by Mr. Cooper/ Nationstar. I shouldn't feel like I'm a criminal and a terrible loan holder for using the grace period that every other loan company gives. I am thinking about getting lawyers involved due to the predatory tactics and harrassment. I feel as if I am stuck with where the interest rates are now. I have a mid two percent interest rate and I could not get that anywhere else
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX  and Experian credit reports. 
on XXXX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to refinance my house and our loan agent has been trying to get my Equifax credit report and score and they cant get it and I have tried to get them to fix the problem for 4 months now and Equifax Keeps giving me the run around and hasnt resolved the issue. I have also tried to get my score and report from myequifax.com and an error code XXXX  comes up saying to call Equifax and when I do its the same thing that they cant do anything. Because of this Im not able to refinance and Im losing money. Weve had no issue with the other two credit reporting companies just Equifax. My lender has verified that all information is correct in spelling, address, DOB and SS number.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX made purchase through XXXX proceeded to check out was asked if I wanted to be approved through affirm, I was approved and stated my account would be transferred to affirm. Next day my XXXX dollar purchase was with drawn from my own personal account through XXXX. I alerted affirm and XXXX! Affirm stated XXXX said purchase was accurate even after i provide transactions from my bank .I provide transaction numbers to both parties showing where it had been taken from my personal account.. I spoke to XXXX representative stated they saw where they had came from my account but could not contact affirm I needed to. Affirm will not cancel the loan because they stated they had sent funds to XXXX. They need to verify the account and neither party has every time i reach out and it has been disputed with the collection agency and they stated affirm confirmed account but did not provide record of this
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed under XXXX XXXXXXXX XXXX  with account number XXXX opened on XX/XX/XXXX still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Additional, This account has already been removed from my credit reports with XXXX and XXXX, as confirmed in their reports dated as early as XX/XX/XXXX. Therefore, under the Fair Credit Reporting Act ( FCRA ), I believe this account should also be removed from my Equifax credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

I have tried disputes online with EQUIFAX but all they ever do is respond with a tactical standpoint and say they sent verification requests which I never hear anything about anymore. My credit report shows " not disputed? Also reports 150 days past due which is untrue, false, and misleading information. My son is XXXX old. If verification was done properly as claiming then the Original date had to be disclosed. As I stated the account reports false information about the sought after " late payment ''. It is a clear violation of my consumer and civil rights. 
Account is also ONLY REPORTING to EQUIFAX which further deepens it's NON COMPLIANCE manner.