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

15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX. 15 U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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 Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB, XXXX, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of {$8300.00}, monthly payment of {$190.00}, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
Product: Mortgage

M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically. 
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXX ( XXXX mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX they did not provide me with the original contract as i requested.
Product: Credit reporting or other personal consumer reports

There are a few hard inquires on my credit profile that XXXX has refused to remove. These inquires were not authorized by me and I have requested transunion to remove these inquiries several times. The companies who requested these credit applications need to provide me with proof that these inquires were authorized by me. If these creditors can not provide proof these inquires they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires.
Product: Debt collection

I contacted Rash Curtis & Associates and asked to have some invoices sent to me via email of all the accounts that I have with them. They told me they did, when they did n't. I asked to have the dispute comments removed and they advised that they would n't remove the dispute comments until I paid them {$5000.00}. I asked to pay XXXX account that was in dispute and they advised that even if I paid, they would n't properly report it to the credit bureaus because they are aware that I am trying to purchase a house. XXXX XXXX at Rash Curtis then told me the following : " you should have paid your bills and thanked the doctors that helped you '' This statement has caused severe emotional harm to myself. XXXX then advised that it is a curtosy to have the dispute comments removed and she was n't willing to do that for me until I paid the {$5000.00}.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concern regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's indings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

In XX/XX/year> I placed an order of {$100.00} for a pair of XXXX sneakers. The sneakers were delivered to the wrong address and I was never able to retrieve them. I contacted XXXX, who told me that they issued {$100.00} credit on XX/XX/year>. ( I can provide this email to you. ) I never received a credit on my Citibank account and they asked me to provide proof of what XXXX said. I did this. After much back & forth and them crediting and recharging the {$100.00} several times, they never resolved the issue. It has been over XXXX months and I recently sent them XXXX emails requesting the status. They have ignored both emails. They did not respond directly to my first email but did send a letter in my Citibank portal claiming the dispute was resolved and that I received the {$100.00} credit. I emailed them again because according to my own records I DID NOT receive the credit. I sifted through many of my statements and have no record of the refund. I told them this via email and asked that they inform me exactly of when the refund was issued but they refuse to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX0, CAPITAL ONE BANK USA add a hard inquiries on my credit reports per XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud alert or ANY other fraud and/or alerts to be on my credit report
Product: Vehicle loan or lease

I have never missed a payment before I made an insurance claim on my vehicle. There was a balance of {$60.00} left on the loan. I was unaware of the balance and my phone number was different and they didnt have the correct address or email on file. Any other time if a balance was paid they would make the payment current until it was time to make the next payment based from the balance. Instead they made the history reflect that no payment was made for a XXXX yr plus. Now my credit reflects that I made XXXX XXXX days of late payments. Thats not the case. They told me that the credit bureaus were the only ones that could make the change and that was not the case. This has been a knife in the process of buying a house because credit is everything.
Product: Mortgage

I applied for a loan modification with Owen Loan Servicing LLC to try and modify my home mortgage. Ocwen denied my loan modification twice with false, and misleading, information. 

On XXXX XXXX, 2015, I applied for a loan modification and was incorrectly denied a loan modification. Ocwen denied my loan modification based on the fact I already was granted a past modification two years ago. Ocwen stated I can only apply for XXXX loan modification and I have reached the maximum times I may apply for a HAMP modification. This denial is not true and is an attempt by Ocwen and the Investor to intentionally foreclose on my property. 
Ocwen is not following the HAMP guidelines when evaluating borrowers for loan modifications. 

In XXXX 2015, I applied for a XXXX review for a loan modification. Ocwen again, denied me a loan modification on false and untrue facts. Ocwen stated that I earned an income of {$6000.00}, which is not true. I do n't earn {$6000.00} of income. My income is {$5100.00} a month. Also, Ocwen stated I was current on my mortgage, also not true. I am 90 days behind in my mortgage and need mortgage assistance to save my home. 

Ocwen several times has tried to convince me to sign a Deed in Lieu of Foreclosure and return my property to them. I have numerous times explained to Ocwen I do n't want to give my ownership to Ocwen and I need a affordable loan modification.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX via Paypal I transferred money to my sister. I transferred twice since the first transaction was not recieved to her. The first time I transferred using her phone number the second time with email address. The second transaction with email went through fine was recieved to her. The first one using her phone number was not recieved on her Paypal. Though both transactions were taken out of my bank account. So I got charged both times. I don't know where the money using her phone number went if I was charged but doesn't appear on her PayPal. I had such a hard time transferring that I just opted to giving her cash. She was able to transfer me back the payment sent using her email. But not the one using her phone number. I am just so frustrated during this time with Covid 19. I can't afford to not knowing where the money that was taken out of my bank account is. If it's not in my sisters Paypal. I have never had a bad experience with Paypal til this. I want to be safe and open a complaint before it's to late since I have XXXX to be able to issue a cancelation or refund. I am working with my bank institution. But I was to get all the help I can to get my XXXX dollars that I don't know where they ended up.
Product: Bank account or service

Chase Bank is rearranging payments from my checking accounts and charging overdraft fees on payments that previously were paid and changing the transaction dates on my statement to match the fees that they have assessed me. This has been going on for some time. When I question them they always justify it. On XXXX XXXX I took a flight from XXXX to XXXX. I checked my bag at the airport. On XXXX XXXX my XXXX payment if {$410.00} was submitted which I knew I would get a fee on. When I checked my account the check bag fee was now moved to the XXXX along with the XXXX payment. The money for my checked bag was applied to the XXXX payment and now I have XXXX overdraft fees. They have rearranged my payments as far as 4 days back in order to charrge me overdraft fees on previously paid items. When I receive my statement my transaction date for the check bag fee will be XXXX XXXX instead of XXXX XXXX the actual day of the transaction. I can not prove how many times over the past years that this has happened because the transaction dates on my statement are changed to match the dates of the overdrafts. I dont mind paying for legitimate overdrafts but not for overdrafts manufactured by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.
Product: Payday loan, title loan, personal loan, or advance loan

I applied to do a remote job via XXXX XXXX. The job position is a XXXX XXXX. The job took out a loan in my name through AFFIRM. I told them I didn't want the loan and I asked Affirm to cancel it. They said to reach out to the merchant scaling with sales for a refund. The merchant refused to refund me and Affirm refuse to dispute it. 

On Monday XX/XX/XXXX, XXXX from scaling with sales reached out to me about the job. We then joined a XXXX  meeting with XXXX, XXXX and 1 other. During the call, the employees of scaling with sales told me I can work for them by XXXX XXXX  and they explain what I would be doing. They said my training would be covered with my commisions. When I successfully book an appointment then they will take a percentage out for training. 

What I understood was I will make the money first, and they will take a percentage out of my income and put it towards the training. During the XXXX  call I made it very clear I didn't want to spend any money upfront During this process. They assured Me it would be just a soft credit check and nothing more. 

On XX/XX/XXXX I get a email from Affirm saying that they have processed my order. I look into it and realized there was a XXXX loan taken out in my name. I called Affirm and spoke with someone. I asked if there was a loan on my account. They said yes. I told them I don't need a loan, I was working with people and they wanted to do a soft credit check. So I asked Affirm to cancel it. They said no because the money has been used. I said by who? They said a purchase was made to scaling with sales. I said I didn't buy anything from them. AFFIRM told me to reach out to merchant and request a refund. After reaching out to scaling with sales. They refused a refund. I called Affirm and told them that they refused and Affirm still won't cancel the loan until it's paid back Friday XX/XX/XXXX i I told scaling with sales employee I no longer want to be affiliated with them. And they need to refund Affirm. They refuse to do it saying their refund policy is I must take calls for them/ work for them
Product: Checking or savings account

One day I tried to transfer money to another saving account with another bank called XXXX XXXX because they were offering a higher APY. During this process, I also updated my address on the account because I recently moved and did not want them sending statements to my old address. I never had an issue with transferring my money with any other bank, and this is the first bank that locked my account. When I try to contact customer service, they keep transferring my calls and hanging up on me. They said they needed to verify my account by sending me a code but said I needed an alternate phone. I told them I only had one phone and one phone number and asked if I could use my husband 's phone, and they said no. I asked to speak to a supervisor, and they kept hanging up. It is very unfair I cant access my own money just because I wanted to transfer it and update my address. I gave them all my personal information, and they still will not unlock my account. It has been over two weeks with no access.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of a XXXX XXXX collection account listed on my credit report, specifically under account number XXXX. As per my rights under 15 USC 1692c, I am requesting that you investigate this account and remove it from my credit report if it is found to be inaccurate or improperly reported. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I understand that I have the right to dispute any debt I believe to be inaccurate or invalid. Therefore, I request that Experian thoroughly investigate the following points regarding this collection account : The account is being reported by XXXX XXXX as a collection item. However, I do not recognize this debt or do not believe it has been properly reported. Please verify the accuracy of the debt with XXXX XXXX and ensure that it is indeed valid. 
I have not received proper notification or documentation regarding this account as required by law. I request that you provide proof of any communication or debt validation that has been issued regarding this matter.

Based on 15 USC 1692c, a debt collector is prohibited from contacting me at certain times or under certain circumstances. If this collection account was not reported in compliance with this law, I request its removal from my credit report. 
Please provide me with written confirmation of the outcome of your investigation into this matter within the required 30-day period. If you are unable to verify or validate this debt, I request that this account be removed from my credit report entirely. 

I look forward to your prompt response to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

After further investigation XXXX XXXX XXXX has my XXXX balance on their computer screen which they will not send to me. My account was close XX/XX/1921 and sold XX/XX/1921 to Midland credit management. I asked for proof of the balance and I've disputed this six or seven times and the balance is still inaccurate and I do not want to update it on my credit report so I wanted to delete it if inaccurate. The IRS paid off my debt with XXXX XXXX XXXX therefore a 1099-C And no company can have a balance of my personal information my balance should be XXXX. By your standards CFPB Midland credit Management should be fined and XXXX should be fine for putting not 100 % accuracy on the credit report.. I would like to delete it off my three credit reports if inaccurate not update.and XXXX should be accountable for not having 100 % accurate information on report that there abiding by CFPB laws.they investigated and it's accurate. In other words that's a lie .Do not update my credit report. delete inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 Inquiries : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. 

15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing this complaint as no action has been taken after having multiple calls to XXXX regarding the calls I am getting from debt collection agency stating I have a pending balance to XXXX. 

On XX/XX/XXXX, over phone, I have cleared full balance and closed the account/membership with XXXX. My bank account statement has the transaction recorded for the same. Despite full payment and closing my account my information was given to First credit service. They have been calling me since XX/XX/XXXX to collect the balance. 

I have made plethora of calls to XXXX regarding the same. Explained the situation every time and every time I have been assured that my account is closed and no balance is pending situation would be taken care off. 

Further, I have been asking for the receipt from the day I made the payment over the phone and subsequently the calls that I have made. Every time I have asked for the receipt I have been told I will receive the receipt in my email. Every time I have confirmed that there is a correct email on account - XXXXXXXXXXXX. However, I have n't received any receipt. 

I have also asked for the receipt to be mailed to my address. I have n't received that. 

Continuous calls from the First credit service to collect debt has become harassment and torture. 

I have also told First Credit service representative over phone that XXXX is not giving me receipt. I told them I can provide bank account transaction detail with reference number and receipt number but they are not accepting that. 

Details for the membership account : Name : XXXX XXXX Phone : XXXX Email : XXXXXXXXXXXX Payment made by credit card ending XXXX to XXXX NC on XX/XX/XXXX. 

PS : All the calls with XXXX was with membership managers.