23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX requested a loan modification package from Selene Finance, no correspondence from them until the last week of XXXX after several attempts. Submitted loan modification application and supporting documents immediately ( XX/XX/XXXX). Called and left message with ( XXXX XXXX - Point Of Contact - Assigned to my account ) to follow up days later to make sure that Selene Finance received the full/completed package. Did not hear back from XXXX XXXX/Selene, until ( on/or about ) the week of XX/XX/XXXX by mail, acknowledging receipt of my information ; however, Selene had deemed my package incomplete and was requesting more documentation sent to them by XX/XX/XXXX in order to proceed with their review and consideration for my request for loss mitigation. On XX/XX/XXXX called Selene/XXXX XXXX,, no answer, got her voicemail ( typical ), zeroed out to speak with member on her team. The reason for my call was to follow up and make sure that Selene had all of the requested documents in order to complete the package.so that they could proceed with the review. During the call ( XXXX XXXX EST ) I was told that a decision was made on that day to deny my loan modification. I asked the Rep for Selene ( XXXX? ), what was the reason for the denial, at the point she put me on hold for a few moments, when she returned she stated that it had do with my business income ( XXXX. ). During the exchange I had informed her that I've made and was making payments all year, and did not understand why I was not approved on a trial bases. She began to insult me to he point I felt DISCRIMINATED against at which time I ended the conversation. Hours later ( XX/XX/XXXX ), I then receive a call from XXXX XXXX, stating that her colleague forgot to offer me a one time, keys for cash option of XXXX, to move out of my house in 30 days. I TOLD HER THIS WAS NOT AN OPTION although my house is scheduled for an upcoming foreclose sale on Tuesday, XX/XX/XXXX. I proceeded to try an negotiate a trial base loan modification with XXXX and she said No, shortly after that the call ended. 

I am disputing the debt. the debt has not been validated. 

.
Product: Credit reporting or other personal consumer reports

everything on my credit report is old and inaccurate because everything I had was paid in full the day it was received according to the XXXX because all debts are obligations of the government and these companies have ripped me off and then reported on it and then hit me off even further by not allowing me too move forward with my life because of the bad credit It has been this way my entire life. and they all are just committed securities fraud by selling my signature without my permission.
Product: Credit reporting or other personal consumer reports

Attn : XXXX XXXX XXXX of THE DEPARTMENT OF EDUCATION Where no contrary evidence is offered or other evidence exists to create a reasonable doubt, an investigators unrebutted affidavit is XXXX XXXX evidence of public performance. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Pursuant 12 U.S.C. 411 Do you know what lawful money is? To my innerstanding Federal Reserve Notes, which are legal tender in the United States and are backed by full faith and credit of the United States ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate under the BANKRUPTY ACT of 1933 HOUSE JOINT RESOLUTION?

Does THE DEPARTMENT OF EDUCATION participate in T.I.L.A? 

My consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S. Congress enacted the Fair Credit Reporting Act in 1970 The FCRA was intended to address concerns over consumers previous inability to challenge errors in their credit reports, as well as a lack of privacy protections related to consumers credit information. 

Can they provide information on how to initiate an administrative appeal? 

How can I challenge decisions, seek clarification, or request a review of these cases/claims on my report? 

Can THE DEPARTMENT OF EDUCATION provide me with information about these alleged debts in question? Including the original creditor, the amount owed, and the dates of the " debts ''? 

Can and will THE DEPARTMENT OF EDUCATION provide documentation or evidence that establishes liability for these " debts ''? 

Can and will THE DEPARTMENT OF EDUCATION explain the basis for which i am responsible for this debt? 

What is the process for disputing the validity of these " debts '' and are there specific forms and or documents I can send in? 

Can you provide any information on any of the payments made? If so please provide documentation or records of these payments? 

What are the procedures for appealing or challenging these decisions regarding my liability for these alleged " debts ''? 

Can you provide information on the Statue of Limitations for collecting on the type debt in my state of Florida? 

Are there any errors or inaccuracies in the debt collection process that I should be aware of? 

What steps can I take to protect my rights and ensure fair treatment in resolving this " debt '' Is THE DEPARTMENT OF EDUCATION operating under the Bankruptcy Act of 1933? 

Would 18 U.S. Code 2073 and 2076 False Entries and reports of moneys or securities be applicable concerning this and officer failing to make returns or reports? 

How did the credit reporting agencies obtain my private and personal information regarding any of these alleged debts. 

For the record i do not dispute these alleged debts just seek clarification concerning them that the matter may be resolved in a lawful fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX and TransUnion, has violated my rights. 

15 USC 1681 Section 602 states- I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 states- A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B- A creditor may not treat a Paton a credit card account under an open end consumer credit plan as late for any plan.
Product: Credit card

I opened an account at Home Depot which was administered by Citibank. In the interim, I became victem of fraud and fell behind on payments and could not pay the account. Sometime in XXXX, 2010, I was contacted by a representative from Citibank offering to settle the account for {$430.00}. The payments were to be made once a month on the XXXX of each month. I made three payments ( {$140.00}, {$140.00}, {$140.00} ) as per their instructions and agreement and the account would be settled. These were sent to Citibank directly via XXXX. Instead of Citibank settling the account they sold it to another collection agency. I contacted Citibank and they said they could not do anything for me. To this day, my credit is ruined and the collection agency will not take it out of the credit bureau. I contacted the new collection agency and they refuse to take it out of the credit bureau without paying them money, even though I sent all the information and explained everything to them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's hanaling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting I am writing to formally challenge the accuracy and integrity of certain items that are currently listed on my credit reports with Experian, XXXX, and XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I have previously notified the aforementioned consumer reporting agencies and requested that these items be re-investigated. Despite these efforts, the agencies have informed me that they have concluded their investigations and determined that the information is complete and accurate, which clearly conflicts with my records. 

The disputed accounts and their respective identifying information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As the reporting of the open date, the date of last activity, and other relevant data pertaining to these accounts is inconsistent with my records and understanding, the insistence by the credit agencies that these inaccuracies are indeed correct is deeply troubling. 

I call your attention to the following provisions of the FCRA, which support my stance and necessitate further action : - Under 15 USC 1681i ( a ), the FCRA mandates that consumer reporting agencies must conduct a reasonable re-investigation of disputed information upon a consumer 's request and correct or delete inaccurately reported information. 

- According to 15 USC 1681i ( a ) ( 5 ), if an item of information disputed by a consumer is found to be inaccurate or can not be verified after any re-investigation, the reporting agency shall promptly delete such items from the consumer 's file. 

- Furthermore, 15 USC 1681s-2 ( A ) ( 1 ) prohibits furnishers of information from reporting data they know or have reason to believe is inaccurate. 

Given these provisions, I am requesting the immediate rectification of these discrepancies by deleting or correcting the aforementioned accounts. The continued reporting of incorrect information is not only a disservice to my consumer rights but clearly falls short of the legal requirements outlined within the FCRA. 


I implore the CFPB to assist me in this matter by ensuring that an accurate credit profile is maintained, as the implications of erroneous credit reporting can have severe consequences for my financial well-being. 

I would appreciate written confirmation of the receipt of this letter and further correspondence on the steps that will be taken to resolve this matter. 

Thank you for your immediate attention to these serious concerns.
Product: Mortgage

Hello, I sent the following e-mail to XXXXLoan Care customer service : <Hello, my auto draft payment was drafted on XX/XX/XXXX ( so, the posting date is XX/XX/XXXX ). It was drafted late due to my loan being transferred from XXXX to LoanCare. 

My first question : is the effective ( keyword effective ) date of the payment XX/XX/XXXX? I'm concerned about additional interest accrual. I shouldn't be held responsible to an additional 11 days of interest ( between XX/XX/XXXX and XX/XX/XXXX ) due to the delay in my payment being drafted. 

My second question : I signed up for paperless communication. Does my cosigner ( XXXX ) need to register online and sign up for paperless communication as well to avoid paper statements? Or will she automatically not receive a statement since a ) she has not registered her online account and b ) at least one borrower is receiving the statement, and both live at the same address? 

I called in to customer service, but the phone agent didn't sound too sure on her answers. 

Thanks! 

Oh, P.S. - It takes forever to navigate through your IVR and get to the option to talk to a live agent. I'm sure you're trying to mitigate servicing costs by implementing a self-servicing IVR, but man it's confusing. Also, once I got to the live agent option, I was on hold for 45 minutes before an agent picked up. That's a crazy wait time. I suggest more staffing. 

P.P.S. - the security questions for the myloancare online account are terrible. There's definitely room to improve those so they can apply to everyone. I.e. a normal question would be, " What is the full name of the street address that you lived at in the 3rd grade? '' ( or something like that ). Not " What was the name of the street address of your best friend growing up '' - some people ( not me ) don't have friends. Just saying.> The response I received from customer service didn't answer any of my questions, and simply advised me to call back in. I've attached the e-mail. 

The e-mail response is also very confusing. It advises to not reply to the e-mail, but then later states to reply to the e-mail if it does not answer your question. 

Please get it together and give me the answers I'm looking for.
Product: Credit card or prepaid card

AMEX decided to reduce my Credit Limit based on a 'late payment ' on my personal loan with AMEX as well. It was an issue to do with Autodrafting. An internal system flaw does not distinguish between old ( closed ) accounts and current accounts when setting up autodrafts. As a result the autodraft was setup for the closed account ( unbeknownst to me ). The payment date was showing up as XX/XX/XXXX, when my usual debit day is XX/XX/XXXX. I thought that necessary adjustments to daily interest would be made and I will be debited for a further 8 days of interest when the new payment will be debited. AMEX then emails me saying they are rejecting a payment on my XXXX XXXX Card due to a late payment!! I investigate further to see that the payment they are referring to is the one ( on my system ) is showing as XX/XX/XXXX. They explained that this was set up for the old loan account which is still ( active ) on their system even though it was paid off and closed over 9 months ago!! As a result of this 'late ' payment, my other accounts have been affected, including the credit limit of my XXXX XXXX which dropped from $ XXXX to $ XXXX. I have been a customer of AMEX 's for the best part of 14 years and I have been treated like an absolute criminal. I have NEVER missed a payment in the past 14 years!! They are asking me to jump through hoops to appeal my credit limit on the XXXX XXXX as if I am a brand new client just out college or with someone who has no credit history. This is absurd. I have lodged a complaint with the company itself and will take this further for consideration to restore my credit limit and integrity with AMEX and the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have noticed Capital One Bank of myXXXX XXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/ 2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to Capital One Bank in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by Capital One Bank on XXXX XXXX,2018.

Capital One Bank has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also Capital One Bank has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that Capital One Bank Validate the alleged debt said to be owed by XXXX XXXX XXXX, however Capital One Bank wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), Capital One Bank continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

I've advised TD Bank of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised TD Bank that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private as a consumer and I'm notifying TD Bank to cease all their violations and remove the late payment reporting from all XXXX credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The XXXXt also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.
Product: Credit reporting or other personal consumer reports

In XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( XXXX, XXXX, and Transunion ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

fiXXXX XXXX XXXX XXXX is reporting a past due account on all three of my credit reports but i have no recollection of this account and it needs to be removed immediately! i have filed a FTC affidavit and have attached it below.
Product: Checking or savings account

Fraudulent transactions on my checking account ( joint with my father ) were allowed to go through on XX/XX/22 and XX/XX/22 in three electronic transactions, adding up to a sum of {$1600.00}, which I reported on XX/XX/22. My father 's accounts had other fraudulent attempts at the same time but Truist blocked those. Despite the transactions on my account not looking similar to any transactions I have ever made, from a device that was not my usual device, I was never notified of potential fraud and Truist allowed my money to be stolen. My debit card was in my possession. Over the last 3 months, I have called Truist at least 14 times, visited my local branch at least twice, spent more than 5 hours on the phone with them, been told that a supervisor would return my call every single time but have not received a single call back, nor voicemail, to indicate that anyone has ever returned my call. I have left multiple unanswered voicemails with my local branch as well. There are at least 4 complaints relating to my claim. I thought maybe there was some odd problem where their phone system could not call my number specifically but I had the last representative hang up and call right back to see if the call would come through and it did. So all of these notations from Truist representatives stating that they tried to reach me by phone and received no response are an absolute lie. I wear a smart watch, never miss a call, and in live in a city where I even get cell service when I'm on the boat. I actually started to wonder if perhaps I am being scammed and was calling a scammer 's number to discuss the fraud transactions ( The " Fraud Office '' XXXX ) and that was why I was not getting anywhere, so I called the main Truist line directly from my secure Truist app and the representative confirmed that she did indeed see all of the notes on my fraud claim as recently as today. I am at my wit 's end. I have done everything correctly and responsibly and Truist states that it has " investigated '' and decided that the transactions were authorized. They weren't. I just want my hard earned money back. Please, please, anything that you can do to help me would be very much appreciated. Thank you!
Product: Debt collection

I spoke with a representative in the recovery department of FIFTHTHIRD BANK name XXXX on XX/XX/XXXX, regarding a balance owed on my bank card in the amount of {$970.00}. XXXX advised me if paid in full, FIFTHTHIRD would remove this account from my credit report within 30/60 days. I processed the payment in full using my debit card with XXXX on XXXX/XXXXXX/XX/XXXX. I noticed to date that item is still showing owed on my credit report. I called FIFTHTHIRD on XX/XX/XXXX and spoke with a young lady in the recovery department, who was extremely rude, told me that FIFTHTHIRD was not responsible for advising the credit bureaus that the account had been paid, even though I was guaranteed that it would be removed, but that I would have to file a dispute with the credit bureaus. I pleaded with her to get me to a supervisor because I am desperately trying to repair my credit to buy a home. She repeatedly said be patient and file a dispute, and eventually hung up on me. Item was not only, not removed, but never updated. On XX/XX/XXXX, I received an alert that my credit score dropped by 27 points. I called XXXX directly and it was confirmed that it was due to the FifthThird account showing even further delinquent on my credit report. Needless to say, this account is still sitting on my credit reports stating a balance due of {$970.00}. This bank has set me back so far due to their misrepresentation and lack of keeping their recorded commitment. 
Please, compel FIFTHTHIRD to honor their word and remove this item and hopefully Ill get those lost points back, and never deal with them again.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022