23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted a form requesting acknowledgement within 5 days and response and proof of who is the legal trustee of my mortgage to Nationstar Mortgage, they finally submitted a letter with a forged and falsified balloon note on XXXX XXXX, when the request was sent on XXXX XXXX. They claim only XXXX holds the note, when I sent an email to the company it came back non deliverable. XXXX XXXX claims they hold the note but can not figure out how to reach them as when I call the company my s.s. does not come up. I have also tried to get a loan modification and they have said I did not send in the paperwork when I did and XXXX went to the bankruptcy court to dismiss my case when they have no proof of holding and certificate or note to foreclose without offering me any assistance to catch up. We had to make them an offer but I never signed any paperwork nor did the bankruptcy judge.
Product: Credit reporting or other personal consumer reports

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

An online dispute was submitted to Equifax regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Equifax stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Verification of Accounts To whom this must concern : I am writing to formally dispute certain accounts listed on my credit report as of [ insert date of report ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you verify the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1692c, I am entitled to dispute these debts and request validation of the abovementioned accounts. Moreover, under 15 U.S. Code 1692 ( e ) ( 3 ), it is unlawful for any debt collector to mislead or deceive consumers regarding the legal status of any debts.

Further, pursuant to 15 U.S. Code 1681i, you are required to conduct a reasonable investigation when I request verification of the accuracy of information in my credit report. If these accounts can not be verified as accurate within the required time frame, I expect them to be deleted from my credit report. 

Please respond in writing with verification of the above-listed accounts within 30 days of receiving this letter. If verification can not be provided, I kindly request the removal of these accounts that are still reporting with a balance from my credit report to comply with federal regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I want to express my concerns regarding Zelles handling of disputes, especially 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 tracking these transactions was infeasible. The CFPB 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: Debt collection

On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information Att wireline. XXXX XX/XX/XXXX XXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX  XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
Product: Checking or savings account

I received two emails from this company the first email was of a security code to activate the account and the second email was a net spend debit account change confirmation. I did not approve of and do not have an account with this company.
Product: Consumer Loan

I am writing to submit a complaint about unfair credit practices by Toyota Financial Services ( TFS ). I have tried XXXX times, unsuccessfully, to resolve the matter with TFS and am submitting this complaint. 

TFS has filed derogatory and incorrect information on my credit report XXXX. TFS claims that my payment history is " XXXX, XXXX and XXXX, '' whatever that means. I *think* they are saying I had late payments, but even asking for clarification on what that means was met with resistance from TFS. In fact, when I questioned the meaning of that phrase, they took it to mean that I was acknowledging it was correct ( see the XXXX set of correspondence to understand what I mean ). 

The payment history TFS placed on my credit file is incorrect. TFS never XXXX sent me a letter stating my account was late. TFS made absolutely no attempt to cure any debt with me, until XX/XX/XXXX 2014 when I finally received notice from a collection agency that there was a due amount. When I contacted TFS, they removed the collection and accepted payment. They never, EVER, contacted me to inform me there was any late payment. ALL payment to this account was made under the terms of agreement with TFS and with XXXX persons on the loan. 

To summarize : TFS made XXXX attempt to notify me of any payment XXXX XXXX ) due. To claim now that there were late payments is simply incorrect and now they are damaging me credit. I have maintained a perfect credit rating my entire adult life ( almost XXXX years ) and am baffled as to why TFS is trying to XXXX over. 

I am attaching all correspondence between myself and TFS. 

I request that TFS remove all derogatory information on my credit report/profile. I was never late with payments and am being treated with disrespect. 

Best, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this companies. i have never sign anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : Consumer credit report violations Dear, XXXX, XXXX and Equifax I am writing to dispute the inclusion of certain utilization information related to my credit card experiences on my consumer report. I believe that this is a violation under 15 USC 1681a2, as Congress clearly states that transactions and experiences of this nature should not be included in the consumer report. 

Upon reviewing my credit report, I noticed that the utilization information of my credit card experiences has been reported, which has negatively impacted my credit standing. I would like to bring to your attention that this information should not be considered for reporting purposes, as explicitly stated by Congress. 

I kindly request that you investigate this matter and remove the utilization information of my credit card experiences from my consumer report. I believe that this action is necessary to ensure the accuracy and fairness of my credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation into this matter. I kindly request that you provide me with a written response within 30 days of receiving this dispute letter, stating the actions taken to address my concerns. 

Enclosed with this letter, please find copies of relevant documents that support my claim. These documents include [ list any supporting documents, such as credit card statements or correspondence with the credit card issuer ]. 

I appreciate your attention to this matter and your prompt resolution of the dispute. Please note that I expect a fair and accurate representation of my credit history in accordance with the laws and regulations set forth by Congress. 

Thank you for your cooperation. I look forward to receiving your response within the specified time frame. 

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

I've tried many times to get through to Experian to see why there reporting is so off with others Different models don't calculate XXXX point differences. I'm XXXX and XXXX on my XXXX and XXXX. Shows XXXX on Experian. I've tried to get an explanation by calling and online but it's been a futile effort. It's ridiculous how 1 company could impact my current and future financial status and you can't get any answers. They try to sucker you with the boost to get your personal information. I want an explanation on why it is what it is. I want it to be corrected ASAP.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card or prepaid card

I don't know how, but I made a late payment to Capital One in XXXX of 2021. As you can see from the attached file, the amount late was {$4.00}, which is obviously a tiny mistake on my part. They have put a 30 day late notice on my credit report due to this {$4.00}, which is ridiculous since it dropped my score a good 30 points. 30 points over {$4.00}? Really Capital One? You're so petty you'll destroy a man 's credit over {$4.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account named XXXX XXXX BANK is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. There fore this account should be delete completely from my credit report.
Product: Debt collection

The company CCS Collections is reporting a fraud charge off account on my credit report. They are reporting a fraud charge off account in the amount of {$350.00} and account ending in XXXX. This is not my account. This is the result of identity theft. This fraud account needs to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

in accordance with the Fair credit Reporting act Credit Collection Service reference file number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy 15U.S.C 1681 sECTION 604a Section 2 : it also states a consumer reporting agency can not furnish an account without my written permission. and they have furnished on my all 3 credit reporting agencies without my permission as a collection account and lowering my score tremendously.
Product: Credit reporting or other personal consumer reports

I've requested Experian to remove all blocks and fraud alerts from my credit reports via letters and fax, but haven't received a response. It's urgent that these blocks be removed promptly as I do not wish to have my credit reports blocked.
Product: Checking or savings account

I attempted to close a checking account with Key Bank and they were unwilling to do that. Months later they charged off the account for {$75.00} which was the result of 3 maintenance fees on the account for aXX/XX/XXXX balance. I am not unable get this resolved as no one in the organization will take responsibility. I am left with no recourse as a consumer as I have been transferred to other departments several times and hung up on as well. This is a clear case of an organization gauging a customer for fees because they're unwilling to do what they're legally required to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.
Product: Mortgage

Ohio Savings Bank, a division of New York Community Bank ( NYCB ), is getting out of the loan business because of their own financial problems. They just announced the sale of their mortgage business to XXXX XXXX, and they are laying off 200+ mortgage employees in XXXX . However, long before that, they started calling in loans last year. Even though our HELOC was in good standing, they called in the loan -- forcing us to refinance -- which in turn will cost us closing costs and hours and hours of time. We started refinancing in XX/XX/XXXX. However, for a variety of reasons beyond our control, the refinance did not close by their XX/XX/XXXX deadline. Now they are threatening collection activity, foreclosure, negative reporting to credit bureaus -- all for a problem they created. We are basically waiting for one document -- a XX/XX/XXXX tax transcript from the IRS -- to finish the refinance. I have talked to the tax advocate office, but they say they ca n't speed up the process. We 're probably talking about 6 weeks at most, but NYCB is unwilling to give us that time. Instead they are requesting reams of more documentation so they can provide " mortgage assistance '' that we do n't even want. All we need is time to finish the refinance process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit  bureaus, but they are not being reported.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went into the facility to pay off an existing loan I had with World Finance Corporation. An employee there, asked me to follow her to her desk, she asked how she could help me and I told her that I was looking to pay off my existing loan. She started entering stuff on her computer and she proceeded to tell me about her kid and her boyfriend and her personal life. She asked me to sign a document in order to print my pay off form. I asked her many times, what the document was and she only stated that I needed to sign for her to print my payoff balance sheet. Then she stated her computer was down and she was unable to print the receipt to show my loan was clear. I thought this was weird. In XXXX I went to apply for a mortgage loan and it was brought to my attention that I owed a loan and that I was past due since XX/XX/XXXX - I was shocked because I had no clue what this was. This unfortunately, impacted me. I have called the company and they have a signed document, when I asked to see the copy of the check the gave me with the so called new loan, they stated that they gave me the " Funds '' in cash, the signature is somewhat different to mine and so it happens to be that when the lady that help me when I went in to pay off my loan quit working for them, so did the payments on the " new loan '' I am trying to get to the bottom of this. I had to pay this loan in order to obtain a mortgage loan. But I am seeking for this issue to be further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, transunion  and XXXX.