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

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 XXXX XXXX XXXX - XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

XX/XX/24 I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not XXXX  ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. 

Instead of doing so. XXXX closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Product: Mortgage

We had our home under contract to sell and close on XX/XX/year>. XXXX XXXX XXXX ( XXXX ) in XXXX, NC handled the closing for the buyers. XXXX requested the payoff information from Freedom Mortgage ( FM ), with our permission to release the information and obtained a payoff and wire instructions initially on XX/XX/year>. ( See letter attached. ) We closed on the sale of the home on Thursday, XX/XX/year> and XXXX attempted to wire the funds as directed in the letter obtained from FM. Said wire was subsequently declined and returned to XXXX XXXX XXXX. ( See attached from XXXX ) XXXX attempted to contact Freedom directly to determine the issue to no avail. It was not until Monday, XX/XX/year> that we were contacted by time XXXX discovered the wire was declined and tried to contact FM directly. After we learned of the issue on Monday, I made several calls myself to FM and sent emails to XXXX trying to determine what had occurred and how to promptly resolve, knowing that each day was costing us {$28.00}. XXXX was never able to obtain another payoff letter. I made a request and forwarded the letter I received from FM on XX/XX/year>. XXXX was hesitant, as to be expected to use the letter I sent them as they normally obtain that information directly for obvious reasons, avoid fraud, etc. The final payment was then made on XXXX, 6 days past the initial payoff attempt. XXXX also paid {$40.00} for the returned wire. They did not charge us for that, but they should not have had to pay it either. 
When I reached out to FM and sent them both letters and requested a refund due to their error, their only response was " we did not send the wrong information '' contact the title company. The letter attached on their letterhead they sent to XXXX shows they did indeed send the wrong wire information. They may not have a copy of the wrong letter or someone destroyed the wrong one that was sent, but someone sent it. It appears that someone in their organization, whether in error or intentionally I do not know, sent the wrong wire information and then put a corrected letter in our file. For FM to just say.. oh, we did not send the wrong information when clearly they did is a very concerning response. I submitted my request for review on XX/XX/XXXX after no response I submitted a XXXX request on XX/XX/XXXX, to which they finally did state they would let me know in a month and they did finally respond on XX/XX/XXXX. I would hope when looking at wires in large sums and seeing incorrect information somehow going out, a little better response and explanation could be provided. I believe because this is not a large amount, FM believes they can randomly deny my request without properly responding or investigating.
Product: Credit reporting or other personal consumer reports

I received a copy of all of my credit reports. I inspected them for inaccurate information. 
When I discovered the inaccurate information, I contacted the companies in question to either update my account or provide me proof of the reported information. Statements showing the late payments. They didnt provide the information requested. 

I have never been late on any of my accounts. I have provided proof of the inaccurate reporting attached in this complaint. This account, if accurate, needs to be reported the same for every credit agency reporting the account. you can see that some show late, others on time, others with no information at all. they are all over the place. Please investigate and provide proof that these accounts were late. If these statements cant be provided, I request the account be updated to report PAID AS AGREED. I was never late of these accounts. 

DO NOT CLOSE my CURRENT/NEW XXXX  XXXX account. 

this complaint is for an old XXXX  XXXX account thats reporting inaccurately.
Product: Debt collection

I REQUESTED DEBT VALIDATION WHICH WAS SENT VIA CERTIFIED MAIL REF # XXXX WHICH WAS REC 'D BY COLLECTION CONSULTANTS ON XX/XX/XXXX/17. I HAVE NOT RECIEVED ANY RESPONSE WITHIN 30 DAYS AND SENT 2ND REQUEST ADVISING THEM TO REMOVE FROM CREDIT REPORT DUE TO FAILURE TO RESPOND TO MY REQUEST FOR DEBT VALIDATION.
Product: Credit card

I applied for a MyLowes credit card online XX/XX/XXXX. Synchrony Bank is insisting on using facial recognition software to validate my identity comparing cellphone video capture with an uploaded copy of my DL. This fails consistently, probably due to a long beard, aging, etc.. They agreed to mail a form to fill out, have notarized and fax back which I did. They rejected the form it saying the notary needs to be from XXXX of their affiliated banks which charge for the notary. 

I've been in Lowes multiple times for this. No one can explain why any of this is needed and had no idea facial recognition was being used. Is there not a disclosure, training, etc.. to save customers time who don't want the hassle? I've provided phone, email, SSN and DL verification for my identity. Never had a problem like this before.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave, responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies. 
I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have or had my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Had not ask me or informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. and i had written them to stop due to identity theft and breach of Data in there care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar/Mr. Cooper sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with Nationstar/Mr. Cooper, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report after being alerted that there were inquiries appearing on my credit report that should not be there and are there without my consent and they need to be removed from my credit report. I contacted the companies to get an understanding of whats going on the reps at each company basically told me that I don't have an account with them ( which I already knew that ) and that I need to take this issue up with the Transunion, but every time I call I feel like I get the run around and no one even cares and thats not right. I called three times and all three of the reps were nasty to me and very rude for no reason. Its not right.
Product: Mortgage

We have been trying to get a loan modification. We started the process in 2019 with Mr cooper. We have sent documents over and over because they say they didn't receive. Then they make us start the whole modification process over because they say the deadline has expired. They tell us something different every time I call. It's always a different person & always a different excuse. Right when covid hit they approved us for a trial payment & we made our payments. Then was approved for a permanent modification. So they sent us papers to be signed & notarized. We signed the documents, had them notarized & sent them back. First they said they didn't receive the signed documents & then they said we didn't send back everything. Which we did! & this has been the run around for two years. Now they denied the final modification after they approved it & want us to start all over again saying there's missing paperwork again. I'm so upset & I don't know what to do. They do this to people all the time. How can they just keep getting away with this. Please help!
Product: Credit reporting or other personal consumer reports

Sent XXXX different letters to the companies and got no response on how my dispute was verified on their end ive attached the letters below. XXXX  letter sent on XX/XX/year> next letter sent on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible, and tracking these transactions were unfeasible. The CFPBs findings indicates that Zelle, has not only neglected to protect consumers. They have allowed repeat offenders to explicitly exploit the system, leave users vulnerable to scams, lacking accountability and transparency. This type of behavior is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

I paid the XX/XX/XXXX payment on XX/XX/XXXX. My mortgage service changed and they posted it as an extra principal payment. I can not even verify that because my payment history is not available. 
I contacted them about their mistake and was told it would be reclassified as a monthly payment. It was not. When I contacted them again I was told they could not reclassify it because they changed servers.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

MY EX HUSBAND AND I PURCHASED A HOME IN XXXX IN XXXX MAINE, FROM THE LENDER, BANK OF AMERICA. WE WERE BOTH XXXX AT THE TIME, XXXX  WITH OUR XXXX  CHILD AND HE HAD BEEN AT HIS JOB FOR JUST A FEW MONTHS. bANK OF AMERICA GAVE A MORTGAGE VERY QUICKLY, AND WE WERE PLEASED- ALTHOUGH WE WERE QUITE IGNORANT AT THE TIME ABOUT MORTGAGE RATES AND DEBT IN GENERAL. 

WE STRUGGLED GREATLY ALMOST FROM DAY 1- AS  THE MORTGAGE CRISIS SET UPON US , AND OIL  PRICES SKYROCKETED. WE FOUND THAT, AFTER THE BIRTH OF OUR XXXX CHILD, THE COST OF OUR MORTGAGE PAYMENT, OIL TO KEEP THE OLD HOUSE HEATED, AND CHILDCARE WAS FAR MORE THAN WE COULD HANDLE. 

WE ASKED FOR MODIFICATION, AND BANK OF AMERICA KINDLY SENT US THE PAPERWORK ( MORE THAN A FEW TIMES WE HAD TO REQUEST IT ), BUT EVERY TIME WE CALLED TO CHECK THE STATUS OF OUR REQUEST WE WERE FACED WITH CUSTOMER SERVICE REPS WHO DIDNT HAVE A CLUE ABOUT OUR MODIFICATION. WE CONTINUOUSLY HAD TO RE-EXPLAIN OUR SITUATION AND RE-FILL OUT DOCUMENTS FOR WHAT WAS A FRUITLESS ENDEAVOR. WE NEVER RECIEVED A MODIFICATION OR ANY OTHER CONTACT WITH REGARD TO HELPING US. 

IN XX/XX/XXXX WE MOVED OUT OF THE HOME. WE CALLED BANK OF AMERICA TO LET THEM KNOW. THEY FAILED TO SECURE THE PROPERTY AND SEVERAL PIPES BURST- CAUSING QUITE A LOT OF DAMAGE. THEY DIDN'T CONTACT US FOR ANYTHING MORE THAN REQUESTING PAYMENT -- WHICH WE ADVISED CONSISTENTLY THAT WE WERE NOT GOING TO BE ABLE TO MAKE. WE BEGGED THEM TO FORECLOSE SO WE COULD MOVE ON. THEY DID NOT. 

IN XX/XX/XXXX MY HUSBAND AND I DIVORCED- I MOVED BACK INTO THE HOME WITH THE CHILDREN- HAVING NO WHERE ELSE TO GO AT THAT POINT IN MY LIFE. I WAS FORTUNATE TO HAVE A FRIEND WHO DID FREE WORK TO REPAIR THE BROKEN PIPES. MY CHILDREN AND BASICALLY SQUATTED IN THE HOME WITH NO RUNNING WATER OR HEAT ALL THROUGH THE SUMMER OF XX/XX/XXXX. THROUGHOUT THIS TIME FRAME I WAITED FOR THE BANK TO ASK ME TO LEAVE- BUT THEY NEVER DID. I WOULD CALL AND ASK THEM TO PLEASE JUST TAKE THE HOUSE, BUT NOONE WOULD HELP. 

AFTER STRUGGLING TO KEEP THE HEAT GOING THROUGH THE WINTER OF XX/XX/XXXX, I FINALLY MOVED OUT FOR GOOD. ONCE AGAIN I CALLED THE BANK EVERY FEW MONTHS TO TRY AND FIGURE OUT THEIR INTENTIONS. THEY BEGAN FORECLOSURE PROCEEDINGS A COUPLE OF TIMES, BUT NEVER FOLLOWED THROUGH, DESPITE MY CALLS AND PLEADINGS TO ESCALATE THE SITUATION, FORECLOSE!, ANYTHING! 

IT IS NOW XX/XX/XXXX- 8YEARS AFTER WE FIRST BEGAN ASKING BANK OF AMERICA FOR HELP- FOR EXPEDITION- FOR ANYTHING- AND THIS HOUSE STILL SITS ABANDONED WHERE WE LEFT IT. iT IS IMPROPERLY SECURED- AND ACCESSIBLE TO ANYONE WHO MIGHT WANT TO GO IN. THE MORTGAGE WAS TRANSFERRED TO THE SERVICER XXXX AT SOME POINT IN XX/XX/XXXX I BELIEVE. THEY HAVE BEEN JUST AS UNHELPFUL AS BOA WAS. 

MY COMPLAINT IS THAT THE BANK HAS NOT FORECLOSUED ON THIS PROPERTY IN A TIMELY FASHION. THIS SITUATION COULD HAVE BEEN RESOLVED, AND OFF OF MY CREDIT REPORT BY NOW- BUT STILL IT SITS, RUINING MY CHANCES OF RECOVERING FROM THIS TERRIBLE PART OF MY LIFE. 

XXXX XXXX STILL CALLS ME DAILY! THEY TELL ME I'M LATE ON MY PAYMENTS ...
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 USR 1681. 

account name XXXX XXXX  account number - XXXX, account name - XXXX XXXX  account number -XXXX account name - XXXX account number XXXX, account name -XXXX XXXX XXXX, account number XXXX 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 reporting

A delinquent XXXX account in the charge off amount of {$19000.00} showed up on my credit report. It was disputed immediately as the name reported does not belong to me. The first and last names are correct, however the middle initial is not, nor is it an initial I have ever used in any of my records. The address connected with this account did not belong to me as well.
Product: Mortgage

I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.