23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX
Product: Consumer Loan

Have been threatened with arrest for failure to surrender vehicle by companies repossession agent, was threatened with legal action to obtain judicial order mandating surrender of vehicle, and have been threatened to have vehicle repossessed for missing one payment. XXXX, call center supervisor, has been very confrontational, demanding, threatening in every conversation I have had with him. Company also charges a {$3.00} processing fee for payments made via phone each time a card is run. I have to split my payment into XXXX cards and they company is refusing to waive for second run for my payment.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Flagstar Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I had my mortgage with XXXX XXXX. 
I am a XXXX XXXX XXXX. 
I had hired a property management company to pay all my payments. 
IN XX/XX/XXXX : XXXX XXXX was brought by Flagstar Mortgage But because I and my property management company did not get appropriate notices, they kept on making payment to XXXX. 
IN XXXX XXXX XXXX : My property management company made mortgage payments to XXXX for XXXX and XX/XX/XXXX and XX/XX/XXXX all on time now XXXX XXXX did forward the payment in XXXX to Flagstaff but did not forward the XXXX and XXXX payments. 
Account information : Flagstar Bank Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$170000.00}. 
This company has been negligent and unfair. They have committed multiple violations to my consumer rights and I need a fair solution. All I want is to get the late payments corrected and the bureaus to get notified to make the change. 

Please see the document attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to dispute some inquiries on my credit that have really impacted my score. I did not authorize them at all to be pulled, I have tried to work with customer service to have them deleted however they have not been very helpful and they continue to give me the runaround to call here and there. I am very frustrated at this point and I am writing to you guys so hopefully you can help me out. The inquiries that I am speaking about are the ones below. 

XXXX XXXX XXXX XXXX XXXX should of only been once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bank of America engaged in the prohibited practice of Dual Tracking while my application for assistance was under review. 

I submitted my application was submitted timely and 37 days before the scheduled sale date of XX/XX/XXXX. 

Please see the attached documents! 

Federal Law Restricts Dual Tracking, The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. 

Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application.

12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes the application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application.

" Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that Experian, XXXX and XXXX continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Product: Mortgage

Our first complaint with a specific BOK Service member, other than having personality flaws, i.e. rude, is that they do n't disclose that they can not work with 100 % Permanent XXXX XXXX XXXX XXXX. We were less then 24 hours from closing the loan on the house and we received a text from the BOK service member stating that he would have to escrow taxes for a year. We informed him at the beginning of the process that we were tax exempt and continued the process. It was truly a waist of time on everyone 's part that was involved. Because of their lack of knowledge regarding our Vets and home loans, we have lost our appraisal and earnest money along with the inspection money which we paid for up front. It 's a disgrace that this would happen to anyone, but we would like to inform others especially senior citizens like our selves so they may be aware. Also the lack of loyalty between bank and consumer because information was given to XXXX party before given directly to us. On top of that, he picked the closer and we never received a corrected XXXX. I will never recommend BOK to anyone.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate : 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
Product: Debt collection

I sent a letter to Nelson Cruz and associates requesting validation of alleged debt via certified mail USPS. On XXXX XXXX, 2020. First Request. Tracking number XXXX. Letter was received via USPS receipt XXXX XXXX, 2020. I received no response back from the company. Second letter request for validation of alleged debt sent USPS certified mail on XXXX XXXX, 2020. Letter received XX/XX/2020 via USPS receipt. Tracking number XXXX. I received no response back from the company for my request.
Product: Payday loan, title loan, or personal loan

I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Prepaid card

I am a Colorado resident. I have a {$100.00} Visa gift card that had not been used in a while, so I went online to check the balance. The online service showed a remaining balance of {$38.00}. Then I looked at the activity. It only showed back to XXXX/XXXX/2016, and showed a {$2.00} inactivity fee had been charged each month for the past six months. I have no way to know how far back these fees go. This is obviously not the full history, since no purchases were shown and there is no way to get to a balance of {$38.00} in {$2.00} increments. Colorado Revised Statute, Section 6-1-722 and Section 38-13-108.4 prohibits expiration dates and service fees, dormancy fees, inactivity fees or any other fee. The back of the card states, " U.S. Bank will deduct from your balance an inactivity fee of {$2.00} per month after 12 consecutive months of inactivity except where prohibited by state law. '' I called U.S. Bank and described the situation ( although I forgot to mention the incompleteness of the online activity information ). The person I spoke with placed me on hold to check what their rules are, and when she came back she informed me that the card was not issued by a Colorado bank and therefore is regulated by federal law, which permits the fees. I believe that my state of residency is the governing authority, and I said so. The customer service representative simply told me that is the law and there is nothing she could do. 

The card was purchased in Colorado and given to a Colorado resident. If federal law rather than Colorado law applies here, I will drop my complaint ; however, I would maintain that the " except where prohibited by state law '' phrase on the card is misleading in that case, since there is no indication as to which state that would be if it 's not the state where the card is purchased and used.
Product: Debt collection

Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show a past due amount minus the amount I paid. This is unacceptable. I would not have paid a dime unless the item was going to be fully removed. 

I have filed a complaint with my credit card company as well. The call was recorded and I am very clear on what I agreed to with the company. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.
Product: Payday loan, title loan, or personal loan

I do signed for a car loan and we know that being I co signed I am responsible also but my complaint is that I did not give the bank any authority to take money out of my savings account and they did so without any notification at all   I have left m&t bank which I have been with for 30 years and I am very upset. Have paid off multiple loans through this bank and have never had them or anybody take my money without any notification. I am very upset and hurt with all this as I have been a customer for 30 years.
Product: Debt collection

Portfolio Recovery claiming to try to collect a debt. They have been notified not to call my mobile number and continue to do so, repeatedly, at all hours of the day and every day of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX  Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX XXXX I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO TRANSUNION, XXXX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE THREE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO TRANSUNION AND XXXX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON TRANSUNION. I ONLY WANT ONE ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Product: Debt collection

I had a private education loan from XXXX  XXXX XXXX, I took the loan out in XXXX. I was able to keep up with the loan for several years but with a job loss I got behind. The debt ended up getting charged off and fell off my credit report around XXXX. In XXXX I relocated for work from XXXX XXXX to XXXX Florida in XXXX. XXXX I was sued by XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, representing Student Loan Solutions LLC. They stated, XXXX  XXXX XXXX assigned their interest in agreement to Student Loan Solutions in XXXX. They had one attempt to collect the debt XX/XX/XXXX they sent a collection notice to my address in XXXX, XXXX months after I moved. The collection notice is from XXXX And XXXX... Which I will add is owned by XXXX of the board members at student loan solutions. Here is my case information https : //hover.hillsclerk.com/html/case/caseSummary.html, if you go to doc XXXX there is an in depth break down of information I was able to put together. Such as proof it was a private loan. A screen shot of Student Loan Solutions own website advising they are not affiliated with any banks that they are an independent company that specializes in the development and administration of documents to assist debtors with the necessary paperwork needed to complete federal student loan consolidation and or forgiveness process. Their company profile is a passive debt buyer. I also was able to find out that all the collection agencies which all have names that read as if attorneys, are all owned by different board members of student loan solutions. The attorney is filing a suit a month every month against people, since XXXX. I have attached a copy of my filing to the court.
Product: Credit card

I've consistently maintained on-time payments for this account, ensuring they never fall behind schedule. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

I received an email from Prime Recovery LLC asking for employment and location information, which appears to be fraudulent or scam in nature. When I called to inquire about this email and the details of this matter, I was rudely addressed, the representative refused to provide information about this debt, I was told to pay a certain amount or be sued, then hung up on. I have since sent a USPS certified ( signature required ) letter to the address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, asking for validation/verification of this debt, as this debt does not belong to me and I have no business tied to this company. I have not received the validation/verification requested ). I called a second time to inquire about this debt and I was again talked over, was told that they do not have to validate/verify anything, that I will be sued and that I need to stop researching the internet about verification/validation of debt. I spoke to someone named XXXX, who made this statement and another man that I was transferred to when I gave the file number listed in the email ( both men were abusively rude ). The representatives at this collection agency will not provide any information regarding this debt they say I owe, are extremely rude and unprofessional. I am asking that this collection agency stop the pursuit of this debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not. 

15 U.S.C 1681 602A states that U have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Product: Credit card or prepaid card

I paid off and closed my XXXX XXXX XXXX XXXX credit  card on XX/XX/2022 which included a {$35.00} late fee for being 1 day late. Weeks after I closed it comenity bank ( card issuer ) added an interest fee on and told me if I didnt pay it they would charge additional fees and interest. The fee was only {$2.00} however after having it paid closed and they sent me a letter showing it was paid and closed they randomly add additional " interest fees '' and then threaten more penalties if not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Back In XX/XX/ 2019 I had a late fee from Discover Card. I called right away and the late fee was to be removed. It has now been to months and the late fee has not been removed. I have always paid on time and have called Discover again which they assured me it would be removed. From looking at my credit report it appears it was never removed.