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

A XXXX XXXX card has been a part of my Chapter XXXX bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.
Product: Vehicle loan or lease

Hello, I am having a problem with Fair Financial. I have leased a car and unfortunately I had an accident on XX/XX/2019. the car has been totaled. After bouncing back and forth with XXXX XXXX, Adjusters and fair representatives I do not have an answer as of today. I am still paying the lease and insurance for a car that has been totaled. In addition, I am not able to lease another car because the car can not be returned until the insurance claim is closed, which it will take months and I will still paying for the lease and other expenses related. I do not think that is legal and also I do not see anything on my leasing agreement that talks about what happens in case of an accident. I have screenshots of chat conversations with fair financial with many different and incorrect info. I was told that the car after an accident will be considered returned once it gets to the collision center ; I was told that the car is considered returned once is declared totaled ; ETC
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  with account XXXXXXXX XXXX XXXX and dept of education / XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Just a brief summary of the case : On XX/XX/XXXX XXXX XXXX XXXX filed a fraud foreclosure claiming unlawful payments out of the permanent modification agreement that they signed on XX/XX/XXXX, and which document I am attaching to this complaint. 
XXXX XXXX XXXX later transfer the service to XXXX XXXX that did follow the same pattern of returning my payments made accordingly to the Permanent Modification Agreement, and Land Home FS is also doing the same from they took the Service in XX/XX/XXXX this year. 
Because it could be that the Permanent Modification Agreement contract ruling this loan hasnt been disclosed to Land Home FS is the reason why I am enclosing the document for review ; it proofs that I have always been correct in my payments and as proved in Court I have never been in default. 
Land Home have returned all accumulated payments, including theirs, and I sent the payments back on XX/XX/XXXX including the payment of XX/XX/XXXX, according to the established modification contract, I exhort Land Home to accept the payments in order to make things straight and not let extend the length of their mishandling that could also impact their amount of Respa fines.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7 Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes asking that both Equifax and XXXX verify these accounts. I have not been provided any proof of these accounts being verified. I attached my XXXX credit report showing that both XXXX XXXX- XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX has been removed. This is a direct violation of my consumer rights. Not only arent they actually verifying the debt but it has been removed from one credit report. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Discover Card has called me numerous times a day. I have told them I am at work and they ca n't just keep calling me so many times a day EVERY day! The most frustrating days I feel like it 's harassment is when they call an hour apart. They do n't leave a voicemail when they call, so they call you to pretty much accomplish nothing but annoy and bug you. People are busy and ca n't answer every harassing call, leave a ( This is all MST ) XX/XX/2017  calls at XXXX and XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX XX/XX/2017 calls at XXXX, XXXX and XXXX XX/XX/2017  calls at XXXX, XXXX, XXXX, and XXXX ( This day I got upset with a representative and asked that they not call me so many times, it 's harassment. It 's probably why the calls stopped for a few days. ) XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX XX/XX/2017 call at XXXX XX/XX/2017 call at XXXX XX/XX/2017 calls at XXXX, XXXX, XXXX, and XXXX  XX/XX/2017 calls at XXXX, XXXX, and XXXX XX/XX/2017 calls at XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 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 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.
Product: Checking or savings account

My name is XXXX XXXX. I had an account for many years. I had a checking and savings account. The bank closed my account for no apparent reason. I had my money from unemployment and my XXXX XXXX that were deposited in the bank. I havent received my money from Chase Bank. I just want my money that I worked for to be returned to me. My email address is XXXX. My cell phone number is XXXX. Please call me on my cell phone. Thank you. I tried to log in to my account, and Chase would not let me go in. I tried using the atm and XXXX number and I cant get my balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX XXXX {$0.00} XXXX {$660.00} XXXX XXXX XXXX XXXX NEVADA {$400.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

CAPITAL ONE BANK USA XXXX XXXX Date Opened XX/XX/2019 Balance : {$3000.00}
Product: Mortgage

I have a loan that was transferred to BSI Financial in XXXX 2015 ... 
In XXXX I called and spoke to them as my taxes were due and faxed them the tax bill per their instructions so the bill would be paid on time. It is now XXXX and my taxes still have not been paid.. Also I sent my XXXX payment on XXXX/XXXX/2015 through by bank bill pay and they still have not cleared my check. In XXXX they cashed it with in 2 business days but this month have not. If you read online about this company all the horror stories are about taxes/insurance not being paid and lapsing and not cashing payments and then turning around and collecting late penalty charges. I also lost out on my tax deduction for my property taxes for 2015 since they were not paid in 2015 harming me on my deductions.
Product: Debt collection

See complaint # XXXX I'm now being told that the company that called me is ELITE DEBT BROKERS who contacted other people saying I was going to be sure, and my employer was going to get contacted. I asked for a Validation of the debt ( a lot of fraud out there ) and she got even more. Persons name was XXXX XXXX. Telephone number is XXXX and another number is XXXX
Product: Student loan

During the application process for a Sallie Mae loan, I was not informed about the type of loan I was going to be receiving nor was I informed on the start date that the repayment would go into effect. Notwithstanding, the repayments went into effect immediately the loans were disbursed. And to settle the loan repayments, I called the company on XX/XX/2019 to attempt to lower my payments and they presented me with a monthly payment option of {$270.00} per month. Unfortunately, I earn less than {$1000.00} a month and when considering my other expenses, being able to cover that monthly bill becomes unrealistic. After I voiced my concerns to the company, they informed me that the only option I had available was to put my account in forbearance. And due to my limited funds available, I agreed and put my account into forbearance until XX/XX/2019. Before it was XX/XX/XXXX, I called the company yet again and they advised me that by not making a payment and waiting until after XX/XX/XXXX when the account is no longer current and calling the collections department, I would be able to lower my monthly payments. After I called the company XX/XX/2019, I was then redirected to numerous departments- customer service, collections, the account manager line, without making headway. While on the phone with the collections department representative, I was commanded to call back tomorrow and to request for the SSGR  program that it will lower my monthly payments and that I qualify for it, no questions asked. But when I called in XX/XX/2019, I inquired about the SSGR program and was told that I did not qualify. I even asked it there was something available to me that would lower my payments, being that I am now no longer current, and 2 days passed the payment due date, however, I was once again misinformed, misguided and left without reaching any plausible solution. There was no payment option lower that would fit my financial situation. Whenever I heard this, I asked what else I have available if my payments can not be made and the customer service representative replied and told me that if payments were not made the only thing they could do for me is register a delinquency on my credit report. Thereafter, I asked to speak to a supervisor and she completely shut me off, stating that there was nothing she could do and that moving the payment due dates to a later was impossible. She also stated as with the customer service representative that I did not qualify for the SSGR  program.
Product: Credit card or prepaid card

XXXX   XXXX ,  2017  I had a balance of {$49.00}.  XXXX   XXXX ,  2017  I paid in full to a   XXXX   balance.  XXXX  I made a few purchases including on  XXXX   XXXX ,  2017  a bank check for {$1500.00} and a fee of {$47.00}. The {$1500.00} is to be interest free for 12 months. The  XXXX   XXXX  statement had a balance due of {$1700.00}. The difference in the balance of {$1700.00} - {$1500.00} = {$150.00} is all I needed to pay to avoid interest. However, in  XXXX  I paid {$120.00}  XXXX / XXXX / 17  and {$140.00}  XXXX / XXXX / 17  my total payments this period was {$260.00}. There should have been no interest charge for  XXXX   XXXX   XXXX  th all charge transactions were paid except balance of the {$1500.00}. The new statement has new charges that I just received and not due until  XXXX   XXXX  but there are interest charges on there too in the amount of {$19.00}. If the advance check is occurring interest that needs to be paid monthly I need to know so that I can pay off this card and close this account. I am paying off all charges monthly except the deferred so why am I being charged interest.
Product: Mortgage

Effective XX/XX/2021 my mortgage loan servicer changed to XXXX XXXX ( Lakeview ). The previous servicer was XXXX XXXX. On XX/XX/2021, I made a payment in the amount of {$1700.00} to XXXX and that payment was applied to the XX/XX/2021 payment. The loan was then due for XX/XX/2021. However, this payment was never sent to XXXX XXXX ( Lakeview ) when the loan was transferred, and XXXX was under the impression that I still had a XX/XX/2021 payment due. I made several contacts to XXXX XXXX ( Lakeview ) to correct this error in phone calls and through service tickets ( ticket numbers XXXX, XXXX, XXXX ). I filed a consumer complaint against XXXX under CFPB Case # XXXX to send my payment to XXXX ( Lakeview ) XXXX On XX/XX/2021, XXXX finally sent the funds to XXXX ( Lakeview ). However, to this day, XXXX ( Lakeview ) still has not applied my {$1700.00} to my loan.
Product: Checking or savings account

Hello I received a letter in the mail dated XX/XX/2022 stating that I had opened a new checking account with Comerica Bank. I did not open this account. I called them to alert them of the fraud. They stated that they had already flagged it and closed the account but suggested I also report it to you and the credit companies, which I have done. 
Thank you
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.

Account name : XXXX  Acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

i have store account with macys. Macys called my parents which i dont know they got the number gave my dad my acoount balance.
Product: Money transfer, virtual currency, or money service

Money using zelle has been using for five years and charged fees and some payments havent gome through at all but i have proof from the client but no funds on zelle side throughXX/XX/XXXX
Product: Debt collection

Fay Servicing llc tr ying to collect a debt they took over the property the attorneys  XXXX    XXXX    XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX    XXXX   at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.
Product: Checking or savings account

Fraudulent charges were made to my Chase debit card on XX/XX/year> and XX/XX/year> in the amount of {$100.00} each by XXXX XXXX XXXX. I disputed these charges with Chase Bank along with almost {$1000.00} in other fraudulent charges made to my account on the same day. Chase Bank investigated all the fraudulent charges and credit them back to my bank account. However recent findings of their investigation determined the charges from XXXX XXXX XXXX to be valid because the merchant validated my billing address. I made no purchase from this merchant on those dates and did not receive any confirmation emails or confirmation of purchase from this merchant. I was denied reversal of these charges totaling {$200.00} from this merchant.
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX XXXX AND Capital Management Services , LP. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Money transfer, virtual currency, or money service

I'm writing to send my concerns regarding using Zelle. In the light of CFPB lawsuit coming out with issues, although I've used zelle a lot of times, my financial institution has failed to help me with my concerns.