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

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccuracies on my credit report concerning the account with XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) requires that the information reported by credit bureaus be accurate, complete, and verifiable. However, the reporting of this account violates these requirements for the following reasons : XXXX. Inconsistent Reporting Across Credit Bureaus : The comments section for the same account differs : XXXX : Dispute resolved; customer disagrees. 
Experian : Subscriber reports dispute resolved - consumer disagrees. 
XXXX : Consumer disputes after resolution. 
Inconsistent comments can misrepresent the account status to potential creditors.

2. Dispute Not Properly Updated or Resolved : Despite the account being closed, paid off, and having a {$0.00} balance, dispute comments remain on the report. These comments are misleading, suggesting unresolved issues.

3. Reporting of Late Payments on a Closed Account : The report shows 30-day late payments in the payment history, even after the account is listed as paid and closed with a {$0.00} balance. This creates inaccuracies.

4. Failure to Verify Disputed Information : If disputes were resolved and the information remains inaccurate, the creditor and credit bureaus may not have fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy : Credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information. The discrepancies across bureaus indicate a failure to comply.

2. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputes : If the information has been disputed and remains inaccurate, the credit bureaus may have failed to conduct a proper investigation.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing Inaccurate Information : Creditors are prohibited from reporting inaccurate information to credit bureaus, especially after receiving notice of a dispute.

4. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting Obsolete Information : Negative marks like late payments should not be reported inaccurately on a closed, zero-balance account.
Product: Money transfer, virtual currency, or money service

I try to login into the Zelle app and I am getting this login error and it won't let me login. I then contacted Zelle to see what happened and they told me that the verification process could not be verified for some unknown reason and my account would be locked for good. Makes no sense at all knowing that I have always been sending and receiving payments through Zelle and now all of a sudden I can not? They stated no reason as to why, and I called my bank that I used with Zelle and they said that my account is fine and it is in fact a Zelle issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I disputed 3 times but Transunion continuous to violate Federal Law and my rights. They start a dispute and finish it in 10 days without Verification. I attached 3 documents ( PROOFS ) from creditor that I am on time and car has been paid off. Transunion doesn't read my documents. If it continuous like that my lawyer will take a legal action both to Transunion and CFPB. See the attached files.
Product: Credit reporting

I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and XXXX
Product: Debt collection

We had an credit card with Capital One with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. Capital One stopped communicating with us after we closed the account. In XXXX XXXX XXXX put an item on our credit report claiming that we owe {$1200.00} on the closed Capital One card. They claim that the account was not closed and that Capital One increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. XXXX XXXX claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that Capital One secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation XXXX XXXX has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 filed Chapter XXXX. XXXX  XXXX XXXX XXXX for my automobile was reaffirmed. It has been deleted on all 3 repositories as XXXX  XXXX reports it " sometimes ''. It has been paid as agreed for 49 or 50 months and is necessary to bring my credit score up to the 700 's. I have included a current payment request with balance due.XX/XX/2017 filed Chapter XXXX. XXXX shows on XXXX as Discharged in BK. I have been paying this for around 12 or so years as agreed. I am still paying it. I have included a copy of my online statement with some pay history. Again- another account misrepresented.
Product: Debt collection

I have contacted this agency on several occasions to try to resolve this debt. 

Even though I do not believe this debt to be legitmate ( it was made without my authorization by an ex husband ) The current collection agency, Southwest Credit Systems, has refused on multiple occasions to both provide me with a written copy of the actual debt ( bill etc ) AS WELL as refused to provide me with their settlement offer in writing ( {$740.00} was the last amount offered ) THEY ALSO have refused to accept payment in full in one transaction. 
They have insisted instead that my only option is to enter into a payment arrangement with them, for multiple payments. 

There are other complaints online against this company for asking someone to do the same, only to fail to process their final payment of the payment arrangement, then finding the consumer in default of the payment arrangement, thus violating their " settlement amount '' and reverting their account back to the original inflated account balance.
Product: Checking or savings account

I opened a new account with CIT Bank due to the posted good interest rates for savings accounts and XXXX mos CDs. I went to the website ( after speaking with a representative on the phone to get some questions answered and add'l details ), to open an account with starting balance of {$25000.00} which was to be withdrawn, XXXX TIME, from my XXXX XXXX account XXXX I completed the online form at which point received info that it could take up to 3 days to validate my XXXX accounts and to look for XXXX small deposits. Once those XXXX small deposits were validated, they'd open the account. 

I checked my XXXX account AND CIT Bank account daily. After a few days, I saw the small deposits and w/drawls to the XXXX account, followed the link to CIT Bank and validated the amounts. At that time, the CIT Bank account showed NO PENDING transactions and my new account balance was {$0.00}. The CIT website AND phone app, showed no $ $ at all scheduled to be coming in or going out. So wanting to fund the new account with {$25000.00} I entered that amount since my XXXX account was now validated. 

On XX/XX/XXXX I saw the $ XXXX leave my XXXX account and post to the CIT Bank account. No problem. Today, XX/XX/XXXX, I logged into XXXX and noticed that I'm overdrawn a little more than {$23000.00} whereas the prior day AFTER the $ XXXX was transferred, I had a couple XXXX remaining in the account. After speaking with XXXX, learned that CIT Bank withdrew ANOTHER {$25000.00} on XX/XX/XXXX which caused the overdraft. [ Fortunately I have sufficient funds in other XXXX accounts to cover the shortfall but that's not the point of this matter ]. 

I called CIT Bank who informs me that it's my fault b/c after I validated my XXXX account, I entered another $ XXXX to be transferred. After several minutes of arguing with them on the matter I gave up. Their online system is GREATLY flawed as there was NO EVIDENCE on either my app or their website that they had even processed the initial $ XXXX or that it was pending or in-process. To the contrary, their sites showed NO ACTIVITY on my account and clicked every single link associated with my account available at that point. Further CIT informs me that once a transfer has started, they can not stop it ( which is garbage especially since I saw this the same day they did this ). CIT goes on to say that I can't do anything ( recoup ) with the XXXX $ XXXX until at least XX/XX/XXXX. I've called XXXX who has initiated a stop payment and while it's not guaranteed to be successful, at least, if they are successful in stopping that XXXX transfer, the funds will be back in my WF account where they belong. 

This is a cautionary story to all to be careful of being lured in by a high interest rate. I'm in the XXXX XXXX and not stupid when it comes to tech and finance. CIT Bank 's website/app and practices are questionable in this regard and I ask the CFPB to further investigate. Thank you
Product: Debt collection

XXXX is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature showing we had a contract as well as the agreement between XXXX and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of XXXX as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXXXXXX XXXX XXXX in the amount of {$160.00}. I also reached out to XXXX to confirm and they have no records. I have a lawyer on hand to file suit if this account is not canceled. Also their information has not been reviewed by a lawyer.
Product: Checking or savings account

I am using Marcus for high yield savings account. After I transferred $ XXXX from my bank account to Marcus, I recently learnt that my account was locked. Then I tried to call Marcus XXXX or XXXX  times. Each time either they said they cant XXXX time pin me because the phone number they have on file doesnt associate with my name, or they can OTP me, and they try to contact my bank to verify my bank account information, put me on hold for half an hour, then suddenly hung up on me. For the XXXX  case they said they will contact me in XXXX or XXXX business days but no one ever contacted me ever since. 

This is not a proper way to do banking business. Why does Marcus has this and only this outdated method of verifying peoples identities? Shouldnt they provide methods like email verification? Shouldnt my bank information be already verified before Marcus approves my transfer into the account?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Wrongful Repossession, Violations of Florida Law, and FCRA/FDCPA Noncompliance " I am filing this complaint against Capital One Auto Finance for wrongfully repossessing my XXXX XXXX XXXX on XX/XX/XXXX. They violated Florida law by failing to send post-repossession notices and allowing agents to trespass into my gated community. Capital One also ignored my dispute letter dated XX/XX/XXXX. I demand the return of my vehicle, removal of credit reporting errors, and a waiver of any deficiency balance. Attached are copies of my certified mail receipts and community access policies. '' Capital One Auto Finance did not send a Notice of Redemption or Notice of Sale as required by Florida Statute XXXX and XXXX ( adopting UCC 9-611, 9-613 ). 
Impact : Deprived me of my legal right to reclaim the vehicle or challenge the repossession. 

Return or Compensation : Immediate return of my XXXX XXXX XXXX  compensation for its fair market value Failure to Respond to Dispute : They ignored it, violating FDCPA 1692g and FCRA 1681s-2 ( b ). 

Repossession agents trespassed into my gated community without authorization ( no access code/permission ).

Florida Statute 679.625 : Allows damages for wrongful repossession.

UCC 9-609 : Prohibits breach of peace during repossession.

FDCPA 1692g : Requires creditors to respond to disputes.
Product: Mortgage

The issue may get resolved sooner if an experienced professional addresses the issues at hand before this matter goes to criminal court. I am not requesting the cancelled mortgage that was not satisfied and simply cancelled without proof of payment. As you know there is no discharge recorded and the title insurance and the deed are for different locations. THE MORTGAGE FILE INFORMATION IS FOR XXXX XXXX XXXX NOT XXXX XXXX XXXX. Records show that the survey and the mortgage were not filed, PLEASE SEE THE ATTACHMENT the mortgage was filed for an NON EXISTENT address XXXX XXXX XXXX. Please look at the attachment. on XX/XX/XXXX about 9 months before the NJ LENDERS REFINANCE the MIN XXXX with XXXX XXXX  XXXX XXXX. XXXX N.J. ( XXXX ) XXXX was generated and the MIN XXXX with XXXX XXXX XXXX XXXX DE XXXX XXXX ) XXXX was generated on XX/XX/XXXX BOTH OF THE MINS ARE FOR XXXX XXXX XXXX AND NOT XXXX XXXX XXXX. The LOT & Block were changed before the sellers closed with power of attorney and the title insurance is NOT for the subject property. There are far to many issue 's here that are typically associated with fraud for NJ LENDERS not to show proof of payment to XXXX XXXX XXXX XXXX. The mortgage has been assigned and bounced around all over the place dose NJ LENDERS have the record of the sale of the mortgage to XXXX XXXX?
Product: Debt collection

I previously lived in XXXX XXXXXXXX and during covid was unable to work. I applied for, and was approved, for assistance with XXXX XXXX utility company to help with the growing electricity bill. 

After covid ended, I tried several avenues to claim the assistance that I was previously approved for in the amount of {$2300.00}. I was met with delays and non-responses. I ended up having to move to XXXX XXXX  for an employment opportunity and was advised that since I had moved from my home that XXXX XXXX would not honor the assistance they promised and that I was solely responsible for the entire amount. Since I could not pay that amount it was sent to collections and has had a severe impact on my scores. 

I find it incredulous that a company can approve and promise assistance and then turn around and deny it because I was forced to move. Had they honored their assistance when I was approved this never would have happened. 

Because of this bait-and-switch tactic that they used, I am requesting that Penn Credit immediately remove the collection from my reports.
Product: Mortgage

Lakeview Loan Servicing , LLC paid out 2 home insurance policies totaling {$12000.00} shorting my escrow account. Lakeview informed me I could not make direct payments to my escrow account.

After mortgage modification Lakeview 's escrow utility ran and increased my monthly loan amount, Lakeview never sent communication of new amount and began marking my account as " late '' After contacting Lakeview it took more than 6 months for them to identify why my account was showing as delinquent. Managers did not communicate what was going on with my account. The entire customer service piece was terrible and I've been on the other end of what feels like a company that is nickel and diming me. 

IXXXX XXXX XXXX XXXXXXXX Lakeview charged my bank account twice for my mortgage even though they were paid, I incurred overdraft fees because of this and the company suggested I was to blame for this. I am still waiting on a response from them on this item. 

I should not be liable for the late fees caused by their system failures and my credit should never have been impacted by their mistakes. 

Documentation : My documentation is limited to what is present on my loan portal. It shows a lack of detailed information from Lakeview in relation to their claims. 

-Escrow Analysis : Shows being run in XXXX and XXXX of XXXX which discounts their claim that a new escrow analysis was run post XX/XX/XXXX. 

-Escrow Letters : Shows NO letters being sent to communicate change in escrow at anytime -Payment history starting in XXXX XXXX showing no missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i