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

XXXX XXXX and Experian have refused to correct the late payment that was a direct result of XXXX XXXX 's auto-payment system. My new car lease ( which is my 3rd with XXXX with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, XXXX REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both Experian and XXXX should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.
Product: Debt collection

Subject : Formal Complaint and Debt Dispute Dear Jefferson Capital Systems LLC, I am writing to formally dispute any and all alleged debts that your agency claims I owe. Additionally, I am filing a complaint regarding your violations of federal laws and regulations, including deceptive and misleading practices in your debt collection efforts. 

Specifically, I believe your agency has violated the following : 1. 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide accurate and complete disclosures about the alleged debt.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Use of false, misleading, and deceptive means to collect a debt.

3. 12 CFR 1006.34 ( d ) Failure to comply with required disclosures necessary for validating the debt. 

4. 15 USC 1681s-2 ( 7 ) ( A ) Failure to ensure accurate reporting to credit bureaus.

Furthermore, pursuant to my rights under federal law, I am disputing any and all alleged debts you claim I owe and requesting the following : 1. Validation of the debt Please provide detailed validation of the alleged debt, including a complete accounting and itemization of the amount you claim is owed.

2. Purchase agreement I request a copy of the purchase agreement or any other contractual agreement between your agency and the original creditor that allegedly transferred this debt to your ownership.

3. Proof of licensing and bonding Provide documentation demonstrating that Jefferson Capital Systems LLC is licensed and bonded to collect debts in my state. 

Additionally, effective immediately, I am revoking all rights for your agency to contact me via email, text message, or phone calls. Any further communication must be conducted in writing and sent to my mailing address listed above. Failure to adhere to this request will constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I expect your response, including the requested documentation, within the time frame allowed by law. Should you fail to comply, I will escalate this matter to my state Attorney Generals office, and other relevant regulatory bodies for further investigation and enforcement action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX I took a HELOC with a bank for {$490000.00} in XXXX i defaulted on this loan as per advice from an attorney in order to receive lower payments. In XXXX they put a sale date on my home. I filed a XXXX XXXX XXXX and agreed to pay {$690000.00} over 5 years, 12 months into my payments I was told by the bankruptcy trustee that she will be dismissing the case, because the amount is now higher, I was stunned at how the amount could suddenly be higher after a judge approved my bankruptcy payment plan, at this point in time I try to obtain a payoff from loan care to pay in full, They gave me a payoff letter stating my amount was now {$720000.00} I was shocked that the amount has yet again gone up, but I decided to wire them the money and close the whole situation for good, I wire them the amount in full on XX/XX/XXXX and now today XX/XX/XXXX loan care reaches out to my attorney and says that the amount has gone up again!! This is a scam and they are trying to take my house. We need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had to do a loan modification with Flagstar Bank in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments and the closed account status on my credit report regarding the following account : Account Number : XXXX This account has been reported with late payments and marked as closed, which is inconsistent with its current status. According to the information provided to me and as documented by IRS Form 1099-C, the debt associated with this account has been canceled. This cancellation signifies that I am no longer legally obligated to pay the debt, and as such, further reporting of late payments or a closed account is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, credit reporting agencies are obligated to ensure that all information reported is accurate and verifiable. Reporting late payments or maintaining this account on my credit file after the issuance of a 1099-C is misleading and could be damaging to my creditworthiness. 

Please investigate this matter promptly and provide me with written confirmation of your findings and corrective actions within 30 days. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies if necessary to ensure compliance with applicable laws.
Product: Credit reporting 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXl XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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
Product: Mortgage

XXXX ) Midland Mortgage has been unable to maintain an autopay payment system for me for years. They are also unable to communicate with me via email ; insisting on sending printed letters. I try to get this fixed through their system at least every quarter. 
I just received a letter in the mail from them saying I was behind on my XXXX and XXXX payments, so I made it verbally over the phone with a condescending and smug person. Missing those payments happened because in XXXX I had to cancel my autopay and make a manual payment because they could not set up autopay for me. I have every other payment I make, to every other institution, on autopay and periodically Midland also has autopay functioning for me, so I missed that I had to manually make a payment. And they did not notify me of anything until today. When I asked why there was an extra XXXX XXXX charge on my account the person said ~ $ XXXX was late fees. When I asked for the reason for the remainder she said I had an outstanding balance of XXXX XXXX XXXXXXXX. I had never heard of that until today, and that does not show up in my account with them. She said she could not explain what that amount was from, or why, because it dates back to XXXX XXXX XXXX Since they can not identify or explain that amount, or show me any documents pertaining to it, I feel it is a mistake on their part. This is consistent with the continual mistakes they make that require me to monitor my account and take action almost every month.
Product: Credit card

On XX/XX/year> I entered a chat with an agent asking if I could use a savings account to pay the balance off. I was told that I could so entered in all the information and a few days later was charged a return funds fee of {$30.00}. I reached back out to the company via chat and was told a savings could not be used, only a checking. I asked for the fee to be waived because I was given incorrect information. The agent said " the exception on the return check fee has been applied ''. Days go by and the fee is still showing on my account. I reached out again and was told it would be credited at the next billing cycle. Here we are at the new billing cycle and the fee is still on the account. I reached out to a manager who said he has credited the fee, but it will take XXXX hours to reflect on the account. I am not confident that this will be resolved based on my prior interactions. This is very frustrating and has wasted so much of my time if they would have given me the correct information in the first place. I will not be paying this fee since it was not my error and it better not reflect poorly on my credit report. I have attached screenshots of the chat histories.
Product: Credit reporting or other personal consumer reports

I found mistakes on my credit report related to 15 USC 16c-2. The inquiries listed were unauthorized and are damaging my credit score. Please remove them immediately. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago.

This has been an on-going issue with Transunion holding onto old data that is completely wrong. They keep saying that its accurate and that this is what XXXX XXXX XXXX keeps reporting. I'm being financially harmed by this false  info and should be compensated. I have submitted proof that this was paid off and closed.
Product: Credit card or prepaid card

This is my third charge back issue with square bank ( the prior two attempts at charge backs were for small amounts so I did not peruse as diligently ). Every time I attempt to initiate a charge back their company never emails me back despite their XXXX guarantee. I have submitted requests for support 3 days in a row ( once a day after XXXX hours ) and have received no response. Their phone number merely tells me to use the app again, I feel as if I am attempting to resolve this dispute with a wall.
Product: Credit card or prepaid card

On XX/XX/2023, I was flying from XXXX to XXXX. The XXXX clerk suggested and American Express card that was to give me XXXX bonus miles if I spent more than {$3000.00} in the first few months. I told the clerk I had an American Express in the past and he said it didn't matter. AmEx charged me {$250.00} for the card then promptly refused to give me the bonus miles. I refuted this three times with them and not once did they reply directly to me. I had to keep calling in and get shuffled around only to find out they say I wasn't eligible. 
I can see that I may not have been eligible because I had a previous Amex card but I told that to their representative when he suggested I applied. I was told it didn't matter. My contention is that the agents for American Express ( in this case a XXXX Clerk ) should be educated on the product they are promoting. 
AmEx would not give me the bonus points per the promotion I signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that Capital ONE has not reported one of my CC ( Silver ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is still reporting student loans that were transferred to XXXX on my XXXX credit report. I disputed with XXXX and they say Nelnet says it is valid. Which I have emails that prove otherwise.
Product: Bank account or service

I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.
Product: Mortgage

I would like to be a part of the Wells Fargo settlemdnt I had to hire a lawyer to a avoid foreclosure
Product: Checking or savings account

AXOS bank is refusing to let me reset my password and give me instructions on pulling my funds from a business account. I've waited 5 days for a call back. The first time i was asked for a picture with my drivers license and a signed letter verifying this is my account to grant the password reset. 5 days later I am called by a person in XXXX telling me I now need to send a notarized letter. HOW CAN I NOT BE GRANTED ACCESS TO MY FUNDS WITHOUT TAKING ALL THIS TIME AND SENDING MULTIPLE LAYERS OF UNECESSARY VERIFICATION. Now I am being denied to pull my funds and can not get a competent banker to assist me further. WHERE IS MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - XX/XX/2016 - This Credit File does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
Product: Vehicle loan or lease

My account balance is not correct on my bridgecrest account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 # XXXXXXXX XXXX XXXX XXXX  Account # XXXX I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an 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 item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX decided to put a charge off on my credit report that should have been put on there in XXXX. For whatever reason they didn't report any data. So now 5 years later, when i desperately need my credit, they destroyed it on XX/XX/XXXX My score dropped XXXX points. I'm XXXX and I'm on a limited income and that hurt me because now I can't have the credit. My credit card companies lower my borrowing limits when my credit goes down, we didn't get all of the handouts during Covid. We paid our bills and I've always paid every single bill I've ever had and they have listed me as missing a payment. I've never missed a payment, this is the letter I got from their escalation department. I've called and no answer. Why do they need to verify anything?! You and them have my information. I need my credit back so I can survive. I thought you were suppose to help me. please help me
Product: Debt collection

OnXX/XX/2019 I settled a XXXX XXXX XXXX XXXX account with XXXX XXXX XXXX and they sent a letter that the debt was paid in full and removed it from my credit reports. On XX/XX/2019 I had alerts from XXXX stating an account was added to my credit reports from Diversified consultants for the same XXXX XXXX XXXX XXXX account that was paid and DCI claims they had the account since XX/XX/19 and they never informed me with a letter, phone call or anything. On XX/XX/19I called and spoke with XXXX XXXX and she informed me that they did not have to inform me that they had an account in their office and they were within legal right to report this account to the credit bureaus without any notice to me. I submitted proof of the paid account via email to DCI following my phone conversation on XX/XX/19 and they received it onXX/XX/19. I spoke with XXXX XXXX again onXX/XX/19 and she stated that the dispute was opened on XX/XX/19 and that it will take 7-10 business days for an update and or removal. I called back again today XX/XX/19 and spoke with XXXX XXXX who stated there aren't any updates and that it is going to take up to 45 days for any response from XXXX XXXX XXXX. When I did not accept that answer he became nasty and I asked to speak with a supervisor he transferred me to the voicemail of XXXX XXXX, which I left a message explaining that I am filing this complaint and that I am also requesting a callback within 24 hours. I have had nothing but issues with this company and they are always reporting illegal and unverified accounts to my credit report and this is getting out of control. I was in the process of purchasing a home and this knocked me out of financing and I am considering filing a lawsuit.
Product: Money transfer, virtual currency, or money service

I am writing to formly express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
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 add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX/BBVA USA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authori zation 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 card or prepaid card

Approximately 3 weeks ago, I received a replacement credit card from XXXX XXXX XXXX   Mastercard. Since then, I have called the 877 number on the card several times and spent significant time in the hold queue. When I did get to a live person, I was told that I would have to go to the website to have my questions answered. 

When I visited the website, I found that I would have to create a login ID and password. Since these questions were of a personal nature, I knew that the website would be unable to provide answers and refused to register. 

Upon receiving the card, the page the card was attached to stated, This card replaces your existing card. Please destroy your old card, as it is no longer valid. On the card itself, it states that I have been a member since 2012. 

Since this is my replacement card for XXXX XXXX XXXX Mastercard Where is my original XXXX XXXX XXXX Mastercard as I never had received this card under the listed or any account number? 
How could I have been a member since 2012, having never been issued XXXX XXXX XXXX Mastercard before? 
If a XXXX XXXX XXXX Mastercard was issued to me, where was it mailed to? 
Was the XXXX XXXX XXXX Mastercard ever used? 
Who used the XXXX XXXX XXXX Mastercard? 
What credit bureau do you report this to as I have never seen it listed on any of the 3 major bureaus? 
How is the XXXX XXXX XXXX Mastercard listed on my credit report? 
What account number is the XXXX XXXX XXXX Mastercard reported under? 
Why was the XXXX XXXX XXXX Mastercard sent to me when I never requested it? 
The literature with the XXXXXXXX XXXX XXXX Mastercard indicates that it can be used at Sears and XXXX. Is the XXXX XXXX XXXX Mastercard affiliated with Sears? 
If affiliated with Sears, is my Sears card still valid? 

At any rate, I did not request this card and do not want it. 
Please cancel the XXXX XXXX XXXX Mastercard and have the credit bureau note as the reason Unsolicited card canceled by consumer. 
Provide written confirmation that the XXXX XXXX XXXX Mastercard has been cancelled and the reason listed as above as well as responding to the specific questions above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to Transunion that this account is open and past due. I filed for Bankruptcy protection in the XXXX District State of Oklahoma Case # XXXX. They have also called me several times and I have advised them I filed bankruptcy and they should not be calling me.
Product: Credit reporting or other personal consumer reports

On several occasions, starting on XX/XX/year>, I have written to Discover Financial Svcs requesting why they have inserted an account on to my credit bureau report that does not belong to me.

Discover Financial Svcs Acct # XXXX Alleged Amount {$1200.00} A fair resolution would be to have them remove this false and misleading information from my XXXX, XXXX, and XXXX credit bureau reports.