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

I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.
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 Account # XXXX 15 USC 1681 section 602 A. 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 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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 inaccurate.
Product: Checking or savings account

Sat. XXXX XXXX at XXXX XXXX  EDT received a text from Capital One saying " Thanks for giving Capitol One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX. You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. '' This text alert was not solicited but I assumed it was phishing so I didn't click on anything and ignored the message. 

That is until I checked my emails and found a new message from Sat. XXXX. XXXX at XXXX XXXX  EDT titled " Congrats! Your new XXXX Checking account is open. '' I called Capitol One on Monday XX/XX/XXXX around XXXX XXXX. They closed the account, and told me to destroy the debit card that was already on its way ( I received it XXXX XX/XX/2023 ) and were unable to tell me who or how this account was opened under my name, phone number, and home address. I have never banked with Capitol One so this checking account being opened under my name was very suspicious. 

I would like to know who/how this happened, if possible. 

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

On XX/XX/2022 I sent to Experian a dispute outlining my proof that an account that was deemed to be late was in fact a billing error on behalf of the original creditor. I have on several occasions disputed this extremely incorrect and erroneous information each time providing laws as well as forms of proof as to why this has to be a mistake on behalf of the company. I would just like my report to reflect my true credit worthiness and be given my fair credit rating I deserve. 
Previously I placed a dispute about Experian reporting misleading and false information in regards to an account by the name of XXXX XXXX Bank and a billing error that occurred with my account. I sent to Experian sufficient proof that the error was on behalf of the company by providing Experian with a letter from the company with the company 's official letter head stamped on it. stating they made a mistake in billing and were able to correct it. The problem since have still not been fixed and the company is now acting as though this was never stated. The problem I am having now is having the account updated to show its correct status of never late or always paid as agreed. I have been dealing with this situation for sometime now and am getting to XXXX XXXX where I feel as though I will have to seek litigation. Please uphold your duty as the regulator to these Credit Bureaus that are exploiting the system and over-running those of us that are truly credit worthy and abusing there power to due injustice to honest people. I have provided with this complaint attachments of the dispute sent to the company on XX/XX/2022 this included my I.D., dispute letter, letter from the original creditor admitting to the error and stating that they were going to update my report, and lastly my social security card. Experian was also past the lawfully allotted time allowed to respond further adding to their long list of violations. I have yet to get a response mailed to my house or any type of proof the late payment occurred and was actually factual thereby being grounds to update to show the true status.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. 

The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 

Once again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 


CFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . 
XX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . 
XX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. 

I want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I whent to the car dealership to purchase a vehicle. i was not inform that my credit will be ran by multiple lenders. my credit was shared with out my consent by unknown source. 
Hard Inquiry XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get daily robo-calls from National Enterprise Systems at XXXX asking for someone who does not live here. This has been going on for at least XXXX months. I have blocked the call, but they still keep calling.
Product: Mortgage

I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/XXXX I sent a follow up letter requesting debit validation to the address above I still have not received a response. On XX/XX/XXXX I sent a dispute letter to both credit reporting agencies asking for validation of debit, in XX/XX/XXXX both credit reporting agencies responded validating the debit. Still havent received a response then I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX. XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit reporting or other personal consumer reports

Upgrade offered a personal line of credit with a XXXX limit. I accepted the offer and have followed their terms and conditions. My balance was {$2000.00} as of end of XXXX, which I paid off during XXXX, the balance since XX/XX/XXXX has been XXXX Upgrade has reported my credit limit to be XXXX even thought it remains XXXX, they also reported on XX/XX/XXXX that my current outstanding balance remains at XXXX. 

I have requested twice that the credit limit of XXXX be reported to the credit bureaus and they refuse saying that it is their policy not to report any credit lines, and they are not governed by financial law as they are a financial tech company, thus are able to report what they wish and it does not have to be accurate information. 

They also stated that they used a total of all loans to report the total balance of XXXX, but only the total of XXXX loan to report the maximum balance during the account lifetime, and again said because they are a financial tech company they do not have to follow normal credit reporting law and they can use different sources of information to determine what they wish to report to the credit bureaus. 

I provided copies of a credit line paperwork to the XXXX credit bureaus showing the XXXX credit limit and they refused to update my credit file.
Product: Credit reporting or other personal consumer reports

After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show one account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.
Product: Checking or savings account

In XX/XX/year>, Valley Bank froze both my business account ( under XXXX XXXX ) and my personal account without any prior notification or explanation. The freeze occurred shortly after I opened an account with XXXX XXXXXXXX XXXX, which is also located in XXXXXXXX XXXX XXXXy. Despite multiple attempts to contact Valley Bank and resolve the issue, they have continued to withhold access to my funds. 

The account freeze has caused significant financial XXXX, as I have been unable to access my money for essential expenses for both my business and personal needs. On several occasions, I requested detailed information from Valley Bank regarding the reason for the account hold, but their responses have been insufficient and unhelpful. 

Key dates and actions : - On XX/XX/XXXX, I first noticed the account freeze when I attempted to make a withdrawal. 
- On XX/XX/XXXX, I contacted Valley Bank customer service to inquire about the issue, but received no clear explanation. 
- On XX/XX/XXXX, Valley Bank informed me that the account hold was due to my recent account opening with XXXX XXXXXXXX XXXX. They never informed me that my account was frozen and would be closed. 
- From XXXX to XX/XX/year>, I have made several follow-up calls and visits to Valley Bank to resolve the issue, all without success. 

The amounts involved include all the funds in both my business account ( XXXX XXXX ) and personal account, which have been inaccessible since the account freeze. Additionally, I am seeking compensation for various fees incurred due to this issue : - Initiation fees and under-the-limit fees for both my personal and business checking and savings accounts. 
- Fees for three auto-drafts that were automatically set up to go from XXXXXXXX XXXX but failed due to my account being frozen without notice, resulting in additional charges. 

Letters from XXXX XXXX  regarding these fees are attached to support my claim. 

I am seeking compensation for the funds that have been unjustly frozen and for the financial XXXX caused by Valley Bank 's actions, including all associated fees and charges. Valley Bank 's intention was for me to make business deposits in an attempt to hold my business funds indefinitely. Their intention was for me to make business deposits and use my business funds to pay off a business line of credit and business credit card.
Product: Debt collection

I am filing this complaint against American Express, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding the handling of a charged-off debt and the subsequent legal action taken against me. My concerns involve potential unfair collection practices and non-compliance with federal consumer protection laws. 

Important Note : Since no specific option was available to classify this as a " Charge-Off/Write-Off '' issue, I selected the closest available category. This complaint is NOT related to a bankruptcy discharge, but rather to the continued collection efforts on a charged-off debt and improper credit reporting.

Details of the Complaint : Charge-Off and Debt Reporting : The debt in question was charged off by American Express and reported as such on my credit report.

American Express may have taken tax benefits from this charge-off while still attempting to collect the debt through third parties. 
I have not received a 1099-C Cancellation of Debt form, which should have been issued if the debt was truly charged off. 
Unfair Collection Practices : XXXX XXXX XXXX initially attempted to collect this debt, despite my sending a formal cease and desist letter.

After my second cease and desist letter, XXXX XXXX XXXX ceased communication, and the matter appears to have been transferred to XXXX XXXX XXXX, which specializes in legal collections. 
The collection efforts escalated when XXXX XXXX XXXX filed a lawsuit against me regarding this charged-off debt. 
This legal action appears to be an attempt to circumvent the legal requirement to issue a 1099-C and maintain an open collection account. 
Lawsuit Filing and Procedural Issues : XXXX XXXX XXXX has filed a lawsuit against me regarding this charged-off debt. 
Given the charge-off status, I believe this lawsuit may not be legally valid under consumer protection laws.

A response to the lawsuit will be filed appropriately, even while the CFPB investigation is in effect.

Consumer Rights Violations : The continued collection efforts despite my cease and desist letter could be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
The failure to issue a 1099-C may indicate a violation of tax reporting obligations under IRS regulations .

The lack of proper communication regarding the debts charge-off status and potential double reporting on my credit file may also constitute unfair debt collection practices.
Product: Mortgage

We are have been trying do a loan modification through a loss mitigation application with Green Tree Servicing now Dietech Financial, LLC. since at least XXXX 2015!!! We had a court date with a attorney representing Dietech and a XXXX XXXX courthouse employee on XXXX/XXXX/2015. That meeting ended with an extension until XXXX/XXXX/2015, because we had received via U.S. Mail a request for XXXX more documents of information Dietech needed for the XXXX. time!!! Dietech gave us 30 days to get that information to them and we faxed them all the information before the deadline!!! Instead of Dietech sending me another letter to save time, our last representative during that time frame called me on the phone and told me to refax some of the documents that did not come through to them clearly and that was done that day or the next day at the latest!!! This was confirmed by my Dietech representative via an XXXX minute phone conversation that I generated on XXXX/XXXX/15, because on XXXX/XXXX/15, I received a letter from Dietech, stating that the loss mitigation application that they were reviewing will not be reviewed at this time, because they did not receive all the requested information which they did!!! Dietech continues to stall the loan modification process by telling us that the information that we sent them already had either expired or they did not receive it all which they have, because the faxes went through to the right number!!! This is at least the third time that they have done this since XXXX 2015!!!
Product: Debt collection

Received call from XXXX  XXXX XXXX representative stating I did not pay for the loan that was taken out on XX/XX/2018. I have previously taken payday loans from this company and have paid for all of them but this one was not me. I did not receive any emails or notification that a loan was taken out and I checked my bank account and funds were not deposited into my account. I logged in to the website and the bank account associated to my account is not mine. I don't know how it was changed and advised the representative that this was fraud. They advised me to log into a website to submit a fraud request which I did. Within a week I received fraud paperwork which I filled out and send to them. On XX/XX/18 I received a communication from XXXX XXXX XXXX advising that this debt is now been acquired by another company and I am now receiving collection calls from a debt collection agency. I contacted XXXX XXXX XXXX on XX/XX/18 and advised I had opened a fraud case and of the communication I had received and they advised me they would have a fraud representative contact me in 48 hours. I have not received anything from them and continue to receive phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Reports, I discovered some late payments on my mortgage account for XXXX XXXX XXXX XXXX XXXX which I have always maintained timely payments in 2024. Consumer reporting agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have not missed a payment in 2024 on the following account : XXXX XXXX, Account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit card or prepaid card

I filed a dispute with Citi on XX/XX/XXXX for a service that wasn't provided while I was on vacation. I was told it could take up to 60 days for a response. It was a pretty easy dispute and on the XXXX of XXXX they asked for additional documentation to support my claim. 

On XX/XX/XXXX I emailed them additional documentation of the vendors cancellation policy that basically supports what I had told them all along that I should have been refunded. I have enclosed the letter to citi. 

I never received a response until later in XXXX to that letter. There next response was that the form had filled out their form incorrectly and should have checked a different box on the app. They then said I need request it be filed differently. They wanted me to make a request to customer services that this claim be filed under canceled services instead of services XXXX which it was the way it was filed ). I made the request to customer service on XX/XX/XXXX of XXXX. I received a letter from them at the beginning of XX/XX/XXXX saying that it was not within their window where they could help. 

My issue was that I should have been told back in XXXX that I had check the wrong box on their app to dispute charge. It was something if they read the complaint could have been rectified. I had also made numerous calls to customer service agents who never brought up that it had to filed under canceled services instead of services. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 findings 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: Mortgage

I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.