23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to file a formal complaint against Flagstar Bank regarding the mishandling of my loss mitigation application. My spouse and I have encountered numerous difficulties in completing this process, despite our diligent efforts and compliance with all requested documentation. 

Here is a summary of the situation : I received XXXX XXXX of XXXX ( XXXX ) orders to relocate in XX/XX/XXXX. Consequently, my family relocated to fulfill these orders, putting our home on the market the same month. Regrettably, as of XX/XX/XXXX, our house remains unsold, leaving us unable to meet our mortgage payments. 

Recognizing our financial strain, we submitted a loss mitigation application to Flagstar Bank in early XXXX of XXXX. Despite our prompt action, we received notification in XXXX that our application was incomplete. Subsequently, we promptly provided the missing documentation and confirmed receipt with the lender on XX/XX/XXXX. 

However, to our dismay, on XX/XX/XXXX, we were informed that our application had been terminated due to missing information. Our designated single point of contact assured us that she would forward the necessary documentation to the processing department for reconsideration. This assurance proved to be in vain, as subsequent attempts to follow up on the status of our application were met with unhelpful and rude customer service agents. We were advised by the lender to submit a new loss mitigation application, which we did in XX/XX/XXXX. 

This pattern of miscommunication and mishandling persisted with repeated requests for documentation and contradictory information regarding the status of our second loss mitigation application. Despite our consistent efforts to comply with the lender 's requirements, we were notified on XX/XX/XXXX that our second application was still incomplete, despite having already uploaded all requested documents. On XX/XX/XXXX, we spoke with several representatives that stated our application was incomplete and advised that we should submit a new application which is totally unacceptable. 

Throughout this ordeal, we have diligently maintained copies of all documentation, correspondence, and screenshots of our account and application status, providing irrefutable evidence of our compliance with the lender 's requests. 

The impact of this situation on our family has been profound. I appreciate your attention to this matter and trust that you will conduct a thorough investigation into our complaint. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  Balance {$2200.00} XXXX XXXX XXXXXXXX Balance {$1800.00} XXXX XXXX Balance {$1700.00}
Product: Credit card

RE : Comenity - Bealls Outlet First call I received from Comenity today telling me I was past due. I informed them that they were taking auto payments each month. They told me that started in XXXX and stopped in XXXX. I would have to go into my on-line account and set up further auto payments. I was never advised of this change and I did not request it. I feel they are simply trying to earn late fees! She advised she would mark my record that I had been advised of the delinquent account. I insisted that she also mark the account that I strongly disagreed. 

I made a second call to Comenity when I had my file available. XXXX, Employee # XXXX, advised my auto payments started in XXXX. She said there was no record of calls prior to today. However, it was by phone that I originally set up auto pay with Comenity. 

Comenity made auto payments of {$87.00} XXXX, XXXX, XXXX, XXXX, XXXX ; but in XXXX when the remaining balance was only {$87.00} they only auto paid {$59.00}??? If they had made scheduled {$87.00} payment in XXXX. towards final balance of {$87.00}, the balance would basically be paid. I feel they shorted the payment on purpose. Then when I received a bill for XXXXfor {$29.00}, I naturally assumed they would auto pay since I had never been told they cancelled auto pay. Again, trying to earn late fees! 

I paid the {$29.00} balance over the phone with XXXX. I told here I expected my balance to be cleared. She said she could only offer me {$15.00} off late fees. I told her expected the balance cleared, so she said if I didn't want {$15.00} credit she wouldn't issue. I told her to give me the {$15.00} plus clear my balance.
Product: Bank account or service

This is a frequent reoccurring problem with the bank I use. Availability of funds. My recent deposit was made on XX/XX/2017, the deposit posted XX/XX/2017 the on XX/XX/2017, XXXX of a XXXX deposit was added to my account. I have been with this bank, formerly Soverign Bank, for fifteen years. In the past two years with holding funds to my account are a monthly event and I get monthly overdraft fees in the XXXX 's range. The visual posting of my account is deceiving as well.The checks that I deposit are not personal checks written to me rather bank checks from my clients all in the USA. I am a common woman, with a XXXX, my funds are limited and I live day to day. Clearly I will find another bank. I feel that the practices of Santander Bank holding my funds for days is that of thievery. They, Santander have immediate access to my money, we are in a lighting flash technology era, I know they use my money for a period of time to make more money for the bank and with my additional overdraft fees I am truly being robbed. A two day hold on personal accounts is only wrong and the people who have the least money get hit the hardest.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt, as outlined in 15 U.S.C. 1692e. The statute provides specific examples of such prohibited practices, along with examples of unfair practices under 15 U.S.C. 1692f. Additionally, the FDCPA stipulates that debt collectors may not harass or annoy consumers, threaten them with arrest, or threaten legal action unless litigation is actually being considered, pursuant to 15 U.S.C. 1692d.

Under the Fair Credit Reporting Act ( FCRA ), every consumer reporting agency is required to clearly and accurately disclose information to the consumer upon request, subject to the provisions of section 1681h ( a ) ( 1 ).

Please review the attached letters for further details related to this dispute.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inaccurate Information on Credit Report Dear CFPB Team, I hope this letter finds you well. I am writing to formally address an issue I have encountered with my credit report, specifically with Equifax, regarding the reported child support payments under an incorrect version of my legal name. 

My legal name is XXXX XXXX XXXX XXXX XXXX However, the child support payment record lists my name as XXXX XXXX XXXX XXXX which omits my full legal name and designation as " XXXX. '' This discrepancy has caused confusion and has likely contributed to inaccuracies in my credit report. 

Moreover, I believe that the majority of the reported late payments associated with this account are erroneous. Due to this name discrepancy, many of these late payments may not accurately reflect my payment history. In fact, I have already filed a dispute with XXXX regarding this matter, and they sided with me, acknowledging the inaccuracies in their records. 

I kindly request your assistance in reviewing this matter and taking the necessary steps to ensure that Equifax corrects the inaccuracies associated with my credit report. I believe it is crucial for my credit history to accurately reflect my legal name and payment behavior. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
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 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXXXXXXXXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : credit card # XXXXXXXXXXXXXXXXXXXXXX XXXX has violated my rights. 
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 or other personal consumer reports

XXXX  XXXX XXXX placed a credit card account on my credit report and I have no knowledge of this credit. I requested a copy of my identification, and all documents and consents of proof for the credit, receipt I received it and the statements, notices sent to be of the debt. 

I have disputed the information for over several years and not one legal answer of the dispute or details of question for all records related to the information on my credit report.
Product: Debt collection

On XX/XX/2024 I settled my debt with the CBE group for {$100.00} from the original debt of XXXX. I have pics of the settled amount and payment submitted. I called them on XX/XX/2024 and requested a receipt and I never received one but they updated my account with XXXX stating I still owed a balance of {$41.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification request to XXXX on XX/XX/2019. On XX/XX/2019, XXXX informed me that I would receive my method of verification into my erroneous bankruptcy information that they are reporting within 7-10 days.  XXXX admitted to illegally using my social security number without my authorization to obtain certain information. XXXX has also claimed that certain divisions of their company are not considered actual CRAs. Please see the details listed below. 

1. The FCRA only allows 5 days for this request. XXXX is therefore in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 2. The request still has not been fulfilled as of XX/XX/2019. XXXX is once again in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 3. In a previous correspondence with the CFPB and myself, XXXX admitted to using my whole social security number to allegedly access files about me in the PACER system. XXXX gave a vague description of where they obtained my social security number and furthermore, was never given my permission to use my social security number as I had no business or contract with XXXX. This is also in violation of federal identity theft laws. 

4. XXXX has stated in the previous CFPB complaint reply that their division that gathers public records is not a CRA, and therefore is not subject to the FCRA laws. 

Please reference the following ( specifically section ( p ) ( 1 ) : 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

( g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

And take a look at this one closely, how and the XXXX can they tell you they are not a CRA, it says they are right here. 

( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term " consumer reporting agency that compiles and maintains files on consumers on a nationwide basis '' means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.

( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite submitting the required FTC report, the accounts continues to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. I demand that you promptly investigate this matter and remove the fraudulent accounts from my credit report. 

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

Dear Transuion my credit age is 12 years even if a student loan has been wiped off of XXXX XXXX Credit file... 
Dear Transuion please fix your credit computers This is really embarrassing As an agency you should really take stock to not be an embarrassment to consumers and people that have trust in you as an agency for fair consumer reporting Do you not have bosses and supervisors that look over your reports My credit score has not risen for 5 months and XXXX XXXX pays Bills You apologize for the inconvenience But you keep doing the same illiterate methods Please consider my credit limit There are two on there But you record it as 1 and F What is your malfunction?? 
Do you not see something wrong with that?? 
Look at it yourself An XXXX would put up a score like that for someone with that long of a credit age and credit activity ... ... Dear Transuion
Product: Credit card

On XX/XX/year>, I applied for a XXXXcured Discover Credit Card after reading the pre-approval process and instructions stated they use XXXX. After submitting application, results returned Denied. I called their Customer Service # XXXX and a representative advised that I was denied due to 1. # of credit inquiries and 2. Too many installments and my credit report was pulled from XXXX and not XXXX. After review of all 3 credit reports, XXXX shows the lowest XXXX XXXX, outdated charge off information and inaccurate information at which I have made several attempts to dispute this information but with no success. XXXX and XXXX are the only two that appears to show the most accurate and update to information with my XXXX reflecting the fact that my credit score has improved a great deal due to my strong financial responsibility that I have shown. My XXXX report also shows a long list of inquiries recently that I do not recognize as well. Due to my XXXX credit report and inaccuracies, this has allowed Discover Secured Credit to take adverse action and deny me a SECURED credit card at which I was ready to put {$500.00} to secure the credit card that stated no Credit Check. DISCOVER Secured Credit card approval process is also a scam and/or misleading information with their application process.
Product: Credit card or prepaid card

I'm writing this letter in regards to issues that I have been having with American Express and my Platinum Card for the past few months. I have been a long-standing customer with American Express since XXXX and have made over 19 on-time payments with this company. It wasnt until I was involved in a serious car accident with a reckless driver who did not have car insurance or a driver 's license. My car was left on the brink of being totaled and was out of service for over one month. I was left unable to work and pay my bills. 

I had called American Express multiple times to try and explain my situation. They had told me that I was not eligible for the hardship programs for months as my account went into default. Throughout this time I had stated how I am willing to work directly with them, but that I needed smaller payments. They called me every day sometimes even up to 4 times a day harassing me demanding the full balance be paid in full when I explained I could only make smaller payments. On XX/XX/XXXX I had submitted a {$100.00} payment to show that I am serious about keeping my account open with American Express and that I am willing to coordinate a payment plan with their Hardship program. 

On XX/XX/XXXX, I spoke with the Hardship Program directly and explained my situation. They stated we could set up a plan of around {$230.00} for the first payment, and subsequently make {$100.00} payments over a 36-month term. I explained that I would most likely be able to pay the balance in full sooner than the 36month term if I was put on this plan, and that I was willing to participate and that I agreed to this plan, but that I needed some time to think it over. The representative told me that I would be eligible anytime to sign up for the Hardship Program. I tried to call them back but their department was closed. 

On XX/XX/XXXX I received a call from American Express stating that I was now no longer eligible for the Hardship Program further reiterating that they have been unwilling to work with me even when I have done my best to make payments and when I have cooperated. Even with my city being in quartile for COVID-19 they were unable to work with me. They instead sent my debt to XXXX  XXXX  XXXX which called me today on XX/XX/XXXX. Now I am being harassed by a debt collection agency when I have tried my best to work with American Express directly. Today I have submitted a {$110.00} via online to American Express.com
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 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # 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: Debt collection

I had called repeatedly to XXXX well before our year ending with them to not continue service after XX/XX/XXXX. They continued and tried to charge us additionally for XX/XX/XXXXand XX/XX/XXXX. When I called in XX/XX/XXXX, I was told it will be at a zero balance. Now, I am receiving calls from Diversified Consultants for the collection of {$41.00}. I am trying to build my credit to buy a house in a few months. This lack of responsibility from XXXX to do as they had said inXX/XX/XXXX to clear the account is now effecting my credit. I would like this resolved and my credit unharmed to not create a chain reaction. If this will not be resolved I will have to take both to small claims court for harrassment.
Product: Debt collection

On XX/XX/XXXX, I had XXXX XXXX with my own XXXX XXXX doctor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX After the physical I asked my doctor to check some pain in my back, after a quick check, he stated that I should go to the emergency room at the XXXX XXXX XXXX in XXXX MA. 
I went to the emergency room with my XXXX referral to get a quick XXXX XXXX. In the emergency room, I was interviewed by several staff members including assistant nurses and nurses. I was never seen by a doctor or received any care including the XXXX XXXX I came to get. I left the emergency room after 3 hours of waiting. 
I went to the XXXX XXXX XXXXhe next day to get my XXXX XXXX  and diagnosis as prescribed by my Doctor. 
A few weeks later I got a bill for {$490.00} stating that was my co-pay. My insurance plan states that my co-pay is {$100.00}. I refused to pay the bill due to the main reason I did not get any treatment in the emergency room. I was and still am willing to pay the {$100.00} co-pay for the emergency under the condition that the XXXX XXXX XXXX and the collection agency retract the derogatory remarks from my credit reports. 
On XX/XX/XXXX, a derogatory remark appeared on my credit reports and my credit score was lowered by XXXX  points. 
I feel that this is very unfair for the collection agency to report this as they never contacted me to state that such action was going to take place. 
I am seeking the help of CFPB to help me clear this mess and restore my perfect credit reports. 
I was also told that this could be subject to the " Surprise billing '' law. 
Any help to resolve this problem as quickly as possible. 

I have not contacted the credit bureaus or the collection agency. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these collections and multiple times with Experian, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately also see attached
Product: Money transfer, virtual currency, or money service

Zelle is not trustworthy and they will not refund money that was mistakingly sent. They do not verify potential scammers.