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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Money transfer, virtual currency, or money service

here to express my concerns regarding zelle 's handling of disputes, in light of the recent lawsuit with the issues zelles platform. using zelle multiple times and reporting discrepancies. zelle failed to investigate my claims adequately. informing me that recoving lost funds was impossible and that tracking these transactions was unfeasible. with recent findings shows that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. leaving user open to possible scams.
Product: Checking or savings account

I open my business account with BMO bank, and I deposited a business check back to XX/XX/XXXX and they freeze my account from XX/XX/XXXX and that ruin my business I cant pay my suppliers. I cant access to my money
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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: Mortgage

I am a current customer with NewRez with an FHA backed mortgage.

At the beginning of the pandemic I requested a temporary Forbearance as a precaution, as no one could have anticipated the wake of this unprecedented event. I held back the first payment as a reserve for the unexpected. I quickly realized that I would not be adversely affected financially and made all of the payments and ended the forbearance. 

For the past year I prepared for, and recently submitted an application for a cash out FHA remortgage to take advantage of record low interest rates, pay off debt to reduce DTI by nearly {$1000.00} a month, and drastically improve my credit by reducing loan balances. 

The application was denied during underwriting. The Statement of Credit Denial, Termination or Charge I received from NewRez sites the principle reason for credit denial as Forbearance Request. Over the phone the mortgage broker said the underwriter denied the loan because of a 30 day late payment during the special COVID-19 Forbearance, despite repaying and staying current otherwise.

I immediately reached out to HUD/FHA to inquire regarding the current guidelines distributed by the FHA regarding the use special COVID-19 forbearance for the purpose of establishing a borrowers credit worthiness during the pandemic. They confirmed that the proper guidelines had not been observed by NewRez by quoting from the U.S. Department of Urban Developments XX/XX/2020, mortgagee letter XXXX that states : Any Borrower who is granted a Covid-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purpose of credit reporting.

I was then assured by several FHA representatives that this absolutely applies to bypassing the Credit reporting guidelines and communicating the forbearance and any activity there in directly to the underwriter and it being used against me for establishing credit worthiness.

The FHA provided a phone number and asked that the lender reach out to receive further assistance with correctly interpreting and applying the guidance that they have provided to mortgagees.

This oversight has been escalated to NewRezs Senior council by the brokerage team, who has since refused to do his own due diligence and reach out to the FHA, per their request, for additional guidance and will not answer any direct questions that I ask.
Product: Mortgage

I took out a revers mortgage four years ago.my son and granddaughter were support to pay on my taxes and insurance. In XXXX wells fargo sent me posted card. did n't open I thought it was junk mail. They never sent out a formal letter letting me know about my back taxes and insurance.wells fargo never give me and option of repay on the back taxes and the insurance.they sent me a letter for 30 days to comply that I was still living in my home that what started the hold thing.we sent them prove that I was still living in my home. be for the 30 day was up. well fargo still file a default any and started the prceeding of foreclosure .nowing that we was working with them by califorina law they have to work with us I call crop office in made a complaint. we told her the same thing they investigated the issue. well fargo called my granddaughter told her that the house was out of foreclosed, but did not give use anything in writing, but still put a default on the house making it difficult to refiniance the property. I feel that well fargo should have work with me on repaying the taxes in the insurance. instead of the default being file.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint regarding predatory lending practices by XXXX, an online lender owned by BlueChip Financial, which claims to operate under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During a medical emergency, I obtained a {$700.00} loan from XXXX. The loan terms included : Principal amount : {$700.00} XXXX : 490 % Loan origination date : XX/XX/year> My specific complaints are : The 490 % APR is unconscionably high and appears to violate Massachusetts usury laws, which cap interest rates at 20 % annually unless otherwise permitted by law XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  does not allow principal-only payments, which traps borrowers in a cycle of high-interest debt. 
While XXXX  claims tribal sovereign immunity through BlueChip Financial, they are conducting business entirely off tribal lands through online lending to Massachusetts residents. This operation appears designed to evade state consumer protection laws. 
XXXX  's loan agreement includes a forced waiver of state law protections, specifically stating : " I agree that the laws of my state of residence do not apply to my Loan Agreement. My Loan Agreement will be governed exclusively by the laws of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Federal law. '' This attempt to waive state consumer protections through contract terms appears to be an deliberate effort to evade state usury laws and consumer protections. 
When confronted about these practices, XXXX  's response was merely to state that their rates are clearly disclosed, ignoring the fundamental illegality of their interest rates under state law. 

Prior Actions Taken : XXXX. Filed complaint with Massachusetts Attorney General 's Office 2. Attempted to resolve directly with XXXX  through their customer service XXXX. Posted public review of their practices, to which they responded only by asserting their tribal status
Product: Credit reporting or other personal consumer reports

XXXX is in shambles and unusable ( XX/XX/2023 ). How are we supposed to trust this agency with our credit information when they can't even maintain a website? You get a " 403 Forbidden '' when you click the Sign In button. Nothing happens at all when you attempt to add or manage a freeze.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX and XXXXXXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX Bb & T XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
Product: Debt collection

See attached Cease and Desist # 1 letter which I sent on XX/XX/XXXX . As of today, we have not yet received sufficient response to this letter. Also on   XX/XX/XXXX , I c alled   XXXX   and spoke to  XXXX , OPERATOR  XXXX  and informed her that   XXXX   XXXX   is disputing the debt and requested for all the collateral file, including but not limited to ( completely filled out and signed documents ) Truth in Lending, HUD-1, Good Faith Estimate,   XXXX   typed and handwritten,   XXXX    Milestone Report, Loan Transaction History since origination,   XX/XX/XXXX  to pr esent,   XXXX   XXXX   since   XX/XX/XXXX  t o present and more. See attached letters of my conversation and list of documents.
 XXXX 
I called again on XX/XX/XXXX   XX/XX/XXXX   following up on my request and wanted to be sure that they were also including Truth-In-Lending, HUD-1. I also wanted some information about the Substitution of Trustee recorded on   XX/XX/XXXX .  We were already questioning the validity of this in addition to the Assignment of Deed of Trust. There were too many irregularities and we needed time and the information, documents requested to review and hoping to answer a lot of our questions. Especially with regards to   XXXX    validating the debt.   XXXX   XXXX   filed for Bankruptcy and his credit reports does not reflect full details of his loan w ith JP Morgan Chase, EMC and other questionable issues.
Product: Credit card

Bank of America took a auto-payment of {$42.00} on an account that I paid if full in XX/XX/year> ( the auto-payment had been canceled prior to BofA taking the payment on a credit card balance that had a zero balance ). Since XX/XX/year> I have made four attempts to get the balance provided back to me. B of A claims they have sent two checks and did " attempted '' to do a direct deport on XX/XX/year>, but yet they are still have not provided the {$42.00} balance credit that was not authorized. I contacted BofA on XX/XX/year> via chat only to be told to call customer service after several minutes. I do not wish to deal with BofA as they have no intention of refunding the moneys that I did NOT authorize to be dedicated from account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that ( XXXXXX/XX/XXXX XXXX, XX/XX/XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX IL ] has XXXX XXXX XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXX,XX/XX/XXXXXXXX, XX/XX/XXXXILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX- XXXX, XXXX XXXX IL ]. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX - XXXX, XXXX XXXX IL ] regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX,XX/XX/XXXXXXXX XXXX ILLINOIS, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX IL ], bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Debt collection

Had my identity stolen in 2019 and Ive been trying to dispute any credit debt under my name because I have never owned a credit card in my life. I do get PINS sent every year for income taxes but I can not get the debt off of my credit
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Consumer Loan

I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.
Product: Credit card

I have asked Citi Card to refund me {$4900.00} countless times over the last few years because they awarded a contractor {$4900.00} of my money for a service that was never provided to me. I have attached 40 pages of chronological events that took place that has extended over the last few years with Citi card. Initially I was given a temporary credit from Citi Card for about a 6- week time frame, but then they reversed their decision based on a hand type note from the contractor and some pictures the contractor took off the internet ; these are not pictures of my house. I refuted the claim, but they refused to credit me my money back. When the decision was made, I asked them what I needed to do to get a refund, and they said I needed some form of legal decision. I then promptly took the contractor to court and over a two-year time frame ( court process is slow ) I was able to get a decision stating the contractor was at fault and never entitled to the {$4900.00}. After I got the decision, I sent this to Citi Card and they said they will look into it. I started these calls in XX/XX/year>. I have spoken to at least 10 different dispute center representatives over the last 6 months. Every time I was told, we are working in getting your credit returned, it should not be much longer. After getting the run around, I asked what I needed to do and filed another complaint against XXXX XXXX as they had suggested. So I sent them all this correspondence again and finally received a letter form stating that too much time has expired. Citi Card statement is " Citi is at your side, before, during, and after every purchase ''. I don't think so. They basically misled me and found an easy way out when the contractor refused to credit them the {$4900.00}, so they figured a good customer would pay the bill which is exactly what transpired. The Contractor in question is now in prison and has no means to pay the court hearing decision. If Citi Card would have credited me the money in the first place and not taken the side of a criminal none of this would have transpired. {$4900.00} means a lot more to me than a multi-billion dollar credit card company, not to mention all the lawyer fees I have incurred. I want my refund from Citi Card.
Product: Debt collection

Improper contact or sharing of information probably best describes what happened. 

I received a call asking for someone who is n't me. I let them know I was not who they were looking for, but I wanted to know how my phone number was on their call list. 

The only response I received was : I 'm sorry, we must have the wrong phone number. To which, I asked, how exactly did my number end up in your system. 

I was escalated to a manager, and again, the only response I received was that if it was a wrong number, they will mark it as such. But they had no explanation for how they received my number. 

The manager tried to feed me some XXXX by telling me that it 's probably just a leftover reference from the old owner of my phone number. I informed him that I 've had my phone number for over a decade, which should put the debt they are trying to recover for beyond the statute of limitations in most states in the US. 

The manager offered to pull up the record and saw that the first time I was called was in XXXX 2015. That pretty much exposes the flimsy explanation the manager provided me in the beginning. 

In addition, a cursory google search shows that Portfolio Recovery Associates has been guilty ( and fined for ) of attempts at recovering debts beyond the statute of limitations in NY. 

I am writing this complaint to say that it looks like Portfolio Recovery Associates may not have changed their behavior and are likely continuing to try and recover debts outside of the legal limits. 

I do not feel their tactics are honest, and I am further in support of reform of the debt recovery industry. People should, without a doubt, pay their debts, but debt recovery agencies need to be held to greater accountability.
Product: Mortgage

Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly. 
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.