23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I entered into a forbearance with XXXX  ( Lakeview Loan Servicing ) on XX/XX/2021 for a 2 month forbearance! The only reason I entered into forbearance was because I forgot to file for homestead on my residence so my monthly payment went up {$600.00} a month. I called XXXX and advised them that I filled for homestead for this year so that my escrow amount will be drastically less with the homestead exemption and the save our homes cap in Florida. I was curious if I could do a modification or something to lower my payment as the {$600.00} difference made expenses extremely tight! 

XXXX advised that they only do modifications or any kind of assistance for borrowers only if they are in default! This seems like a horrible lending/servicing practice! Seems as though their main drive is for profits and forced foreclosure. 

So forbearance ended and I called into XXXX and they said it would be 30-45 days to find out if I could get a modification. They didnt offer any other kind of option for repayment, deferral, etc. So I kept calling to inquire as to what the solution was and they said they would let me know. There was never a call or email at all from them! 

In late XXXX I received a letter stating that Yes a hardship, but basically we dont care and the entire forbearance amount was owed or foreclosure would commence. They are entirely going against the CaresAct and in every blog, forum it is all the same with XXXX as they are doing this to everyone as to try to foreclose. 

Prior to COVID I was even paying a bit extra each month and I have been asking for leadership to call me to no avail! So basically with no prior notice, warning, information or discussion they expected {$4100.00} for the forbearance amount due on the XXXX of XXXX and $ XXXX for XXXX Payment. 

Plus as a side note when my mortgage was originated in my XXXX dashboard my home value was $ XXXX, but now its $ XXXX which sounds like incentive to basically force borrowers into foreclosure. 

Here are only a few examples of their practices as people are defenseless against these deceptive practices and I would imagine that forcing the entire forbearance amount to be paid is illegal according to the CaresAct?? 

Thanks XXXX
Product: Mortgage

I requested a payoff from LoanDepot and when I received it the payoff is {$60000.00} higher than expected and what is on the statement. I called to review the payoff with XXXX in the department and asked why there are two adjustments and why there was double interest accruing. She said she would speak with her manager and call me back. She never called me back. I have called them 4 additional times and emailed them 2 additional times. I have called XXXX XXXX  to file a complaint and I still haven't heard back from anyone regarding this and any errors. I then let XXXX know i will file a dispute as I am closing on the house.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. 
There seems to have been a clerical error in reporting the payment. 
Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a hard inquiry on my credit report from XXXX.this was from Capital One Bank.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called Capital One today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called XXXX XX/XX/19 said nothing they can do i should contact Capital One.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them Capital One.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done
Product: Mortgage

In short, on XX/XX/2017, we submitted a complete Mortgage Assistance Application to Wells Fargo. The fact that it was complete was verified by Wells Fargo on XX/XX/2017, both by email being sent at approximately XXXX and by letter postal metered as of XX/XX/2017, but dated the same day. Wells Fargo made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process. This was also done on XX/XX/2017. We also see on your website under the " Official interpretation of 41 ( f ) Prohibition on foreclosure referral. '' that this should be seen this way. Wells Fargo sent a letter of denial dated XX/XX/2017, but postal metered as of XX/XX/2017. This shows that 12 CFR 1024.41 has clearly been violated. Up until just today, we were under the impression that these were FHA regulations that the FHA should enforce. We only happened to come across your site showing this regulation as if you were the ones responsible for enforcing it. This is not a small matter. Wells Fargo has been engaging in deceptive and misleading communications and outright lying to proceed with the foreclosure. This has been a consistent and ongoing effort on their part, where their actions should most definitely be considered to be breaching an Implied Covenant of Good Faith and Fair Dealing, predatory, unconscionable and illegal. These activities are also in direct violation of Colorado Revised Statutes, specifically CRS 38-38-103.2. While it is true that this portion of the law does allow for the continuation of the sale, in general, it does not specify an exemption to CFPB rules. Instead, it provides rules that provide protections that may not be available to homeowners otherwise where CFPB rules may not be in scope. One of the things it clearly states is that " A servicer is subject to the time limits and other requirements of federal law and CFPB rules in connection with a foreclosure under this article. '' CRS 38-38 is the exclusive section that deals with foreclosures of the nature Wells Fargo continues to pursue. More comprehensive detail can be found in on PACER under the United States Bankruptcy Court for the District of Colorado, under Adv. Proc. No. 19-01093-TBM. An abbreviated version of  the documents supporting this claim are attached.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax
Product: Debt collection

In 2016 I ordered an item from the XXXX XXXX XXXX. I received the item in the mail and didn't like it. I returned the item as per instuctions right away. Right after that XXXX XXXX kept notifying me that I owed them {$88.00} for the item. I kept telling them that I had sent it back to them for a return. This whole incident is now 6 years ago. I now get a letter from a collection agency stating that I still owe XXXX XXXX {$88.00}. 

I returned that item back to them now 6 years ago. I do not owe this debt to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX  Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported to my local police department a Identity Theft Complaint and Affidavit. 

On XX/XX/2022 I forwarded a copy of my Identity Theft Complaint and Affidavit to XXXX XXXX and Experian by USPS certified mail. 

On XX/XX/2022 I forwarded a requested Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft. 

On XX/XX/2022 I forwarded a second Affidavit statement to XXXX XXXX and Experian that confirmed that I have been a victim of identity theft and the listed accounts, inquiries and information was inaccurate dute to identity theft.

I also referred to 15 USC 1681c ( 2 ) in which a consumer reporting agency shall block any information that is resulting from identity theft from the consumer no later than ( 4 ) business days from the receipt notice of the consumer. 

XXXX XXXX and Experian has failed to block all of the information from my consumer report that was the result of identity theft. All consumer reporting received the required documents as listed by federal law, and my consumer report still reflects inaccurate information due to identity theft.
Product: Credit card

I am currently In the XXXX and my sensitive information stolen out of my vehicle XXXX of 2013. I was attempting to purchase a house and saw I had a chase credit card on my credit. I contacted chase and disputed the card under the grounds of I never received or owned a chase credit card. They proceeded to do the investigation and said that I was responsible for covering the charges. I currently have talked to multiple people in their chain of command and they all say I am responsible. I notifed them that my debit cards and my whole wallet was stolen with my social security card and all. They still said that I have to pay the total amount on the account. I do n't know what to do because I have never had this issue before and I do n't have a credit card other that my military one and my bank credit card.
Product: Debt collection

Multiple phone calls a day. I understand a few but I had 2 voicemails left on the same day. Plus I received a call right before the first voicemail at XXXX. VM at XXXX And received 6 calls that day. Days prior my wife receive multiple phone calls from them as well. Chase financial!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX - account XXXX XXXX I believe is committing fraud. I have a credit report that I paid for and it shows alot of errors with this company. And then after I filled a complaint, all of a sudden, they changed the amount to get it to go along with the other 2 credit bureaus. I have proof of this and how they keep selling the debt to itself.
Product: Vehicle loan or lease

Lenmark at XXXX XXXX XXXX XXXX XXXX ga XXXX. Reports written off on credit reports income isnt reported on credit reports please issue a 1099c according to irs regulations XXXX written off in amt over XXXX must issue 1099 c so I can pay taxes.
Product: Credit card

A promotion for home improvement services regarding deferred interest was promised for 24 months however the credit card company only entered 12 months into its system. Once the credit card company was made aware, I was informed it would take a minimum of 60 days to correct the issue, during which time the monthly payment increased by approximately {$600.00} and there was no guarantee that there would be no interest collected during the 60 day correction period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full an XXXX XXXX account # XXXX credit card on my credit. I paid over the phone 2 years ago and was told by the representative the account would be completely removed from my credit after payment in full. We had a verbal pay to delete agreement. However, I checked my credit report today and this account is on my credit. I called XXXX XXXX customer service today the representative told me the matter would be resolved and transferred me. I have not got ahold of another representative. This should be removed from my credit report immediately. This is breach of contract and if it is not removed as promised, I will sue XXXX XXXX. 

Under Texas law, [ t ] he essential elements of a breach of contract action are : ( 1 ) the existence of a valid contract ; ( 2 ) performance or tendered performance by the plaintiff ; ( 3 ) breach of the contract by the defendant; and ( 4 ) damages sustained by the plaintiff as a result of the breach. ( Smith Int'l. , Inc. v. Egle Group , LLC, 490 F.3d 380, 387 ( 5th Cir.2007 ) ; Tyler v. Citi-Residential Lending Inc., 812 F.Supp.2d 784 ( N.D. Tex. 2011 ). ) This applies regardless of whether the agreement was written or done orally.
Product: Vehicle loan or lease

XXXX j XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  dealer number XXXX contract XXXX. 
The original amount XXXX I dropped XXXX I sent the contract they put all these other fees in as you can see in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband passed XX/XX/19 ... he had a credit card in his name but I was an authorized user. It was charged off after his death in his name only. Experian is charging me as being responsible on MY credit in error. They have contacted XXXX twice as have I. XXXX says I am NOT responsible ... .so far 2 disputes have not changed. HELP!!! There is no estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK FAILED TO REMOVE AALL HARD INQUIRIES FROM XXXX AS PROMISED.
Product: Credit reporting or other personal consumer reports

As of today XXXX, of XXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. XXXX XXXX XXXX is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. XXXX XXXX XXXX has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. XXXX XXXX only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.
Product: Mortgage

After making complaints through the XXXX XXXX XXXX XXXX about, XXXX XXXX XXXX, and XXXX XXXX XXXX, about the potential fraud in the documents, they sold my fraudulent contract to XXXX, so they wouldn't have to answer any questions and provide proof, that its a valid contract, not to mention I rescinded the contract and the XXXX XXXX, now there getting another party involved, violating 15 usc 94 sub section 6801> Protection of nonpublic Financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian regarding fraud on my credit file. After speaking with Experian I was told the items would be blocked while Experian investigated these items once they received a valid police report. After trying to upload these documents for 2 days I finally submitted them as part of regular dispute with Experian. The other 2 Bureaus promptly blocked the items from my credit file. I was told by Experian that they could not block the items because they did not meet their internal guidelines which is not legal according to their website and FCRA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two Accounts was recently inaccurately reinserted back onto my Transunion credit report without 5 business days notice as required by law. 

XXXX XXXX XXXX inaccurately reinserted ; violation of FCRA rules XXXX XXXX XXXX XXXX inaccurately reinserted ; violation of FCRA rules
Product: Money transfer, virtual currency, or money service

My cash app account was closed because I reported fraudulent activity. Cash app closed the account not me. However I have XXXX still in that account which I can't cash it out. I've tried numerous times to contact cash app with no response. I've tried to add my new debit card to retrieve my funds but they deny me my money over and over. All I want is my money.
Product: Credit reporting

Experian is not investigating accounts in my credit report that are reporting incorrectly.
Product: Payday loan, title loan, or personal loan

This loan with Sunset Finance was paid off {$110.00} check number XXXX in XX/XX/2022. It is still showing {$110.00} balance as of today on all credit reports. I have disputed it already.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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, credit repair services, or other personal consumer reports

I sent a letter to XXXX, transunion, and XXXX for all delinquency and derogatory accounts. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. Due to the negative items on my credit report it has caused me to lose my security clearance in the military. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 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 in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 correct : XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; JPMCB CARD is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. JPMCB CARD is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : JPMCB CARD XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. JPMCB CARD is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.