23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, ( after XXXX ), I had called New Rez regarding making payment arrangements. I spoke with XXXX XXXX, who kindly assisted me in the matter. Mr. XXXX advised that I would qualify for a forbearance. I gave the authorization, and approved for a forbearance. This was effective XXXX, XXXX. Since then I have received an overabundance of collection calls and letters. When speaking to the associates, who are aggressive in their collection methods, I make mention that my account is in forbearance. At this point the associate rescinds their collection script and apologize. This has been occurring every month since XXXX with the associate advising that they will notate the account. Now, on XX/XX/XXXX, I have received eight pieces of mail threatening default and acceleration. I have complied with the forbearance and made payments at the end of the month. I am due for XXXX and XXXX at the time of this writing. I have called New Rez and have been hung up three times and transferring all over the company.
Product: Credit reporting or other personal consumer reports

Dispute of [ XXXX ] under 15 U.S.C. 1681 ( o ) - Civil Liability for Negligent Noncompliance Dear Sir/Madam, I am writing to dispute the following information in my credit report : [ Describe the inaccurate information, including account numbers or other identifying details ]. 

This disputed item involves a charge of {$2300.00} related to a loan taken out for my ex-partner, which I am now being held responsible for, despite it not belonging to me. TransUnion previously denied my request to correct this error. 

Under 15 U.S.C. 1681 ( o ), I believe TransUnion has negligently failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). I am requesting that you investigate this matter and correct the inaccuracies promptly.

Enclosed are copies of [ describe documents ] supporting my position. Please correct the disputed items and ensure my credit report reflects these changes. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the actions taken. 



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

Unauthorized hard Inquiry on credit reports dated XXXX XXXX 2017 No authorization or consent given to this company by customer. 
Investigate and delete immediatly
Product: Debt collection

On XX/XX/2023, I filed the attached complaint against both Bank of America and their representing counsel, XXXX, XXXX, and XXXX. Bank of America responded that since this was in litigation, it was to be addressed with their firm. In response to the complaint filed, their firm filed a prompt response with the CFPB and on or near XXXX XXXX, sent me what I presume to be a proposed court order ( attached ). My assumption is the attached proposed court order was to satisfy the original complaint that this firm was inappropriately delaying my case. As illustrated in the attachment, Bank XXXXf Americas firm vehemently denied that allegation. 

However, on or near XX/XX/2023, I received notification from Bank of Americas attorneys that they were responding to a Failure to Prosecute ( attached ) initiated by the State of Florida, for time languishing between court events. 
The above-mentioned proposed order, sent to both my employer ( garnishee ) and myself, WAS NOT sent to the court. No effectual activity was done to proceed with my case and now, further time has languished. A reasonable person would question the intention behind this mismanagement of court documents. One paper delivered erroneously is understandable, this makes two documents I have received that the court has not. 

At this time of record inflation, surging fuel charges, and Florida energy increases of 20 %, I am unable to navigate the inconsistencies of this case that surely do not follow Florida law. For a year, I have had no ability to intervene and discuss the financial hardship this has and is creating. When I received the proposed court order, I was relieved because this would give me the opportunity to present an appeal. Though I would be out further funds to defend my case, this would be a path forward to correcting and alleviating a dire situation these errors continue to create. 

To date, I have not seen any activity with the proposed order. This judgement will be fully satisfied in approximately one week. I have been rendered completely defenseless. Surely this is an abuse of debt collection practices, at minimum. In addition to financial hardships created by circumventing the judicial process, I have battled severe bouts of anxiety for the past year and, especially, the last few months with increases in all living expenses, I have been unsure how my family could survive. 

Bank of America has been sited before for improper garnishment techniques and I ask the CFPB to review these facts and documents and see that this is continued garnishment abuse by this bank, carried out by their firm, and endured by me. I truly hope that no other consumer is expected to endure a collection process like mine. This has required unspeakable mental fortitude that the bank has no compassion and accountability for, which is a shameful business practice.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$710.00} from Creditor : PORTFOLIO RECOV ASSOC, has violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I am very worried And concerned about my home mortgage with wells fargo bank. I have been trying to work with Wells Fargo bank. On this Loan modification since XX/XX/2022 Till present to make the monthly mortgage more affordable. Currently my monthly and have been sending payments of {$2100.00} every month so far. I have submitted all the documents requested so many many times! Wells fargo bank is threatening to foreclose my home and throw my family to be homeless! The stress is overwhelming! 
I have already sent XXXX letters to President Joe Biden, Members of Congress and the Senate about the discrimination and retaliation against my family. 

EXTREMELY VERY URGENT EMERGENCY ISSUES!
Product: Credit reporting or other personal consumer reports

Im NOT disputing ownership of this loan! 
My dispute is to question WHY XXXX XXXX CHANGED information that was verified as accurate on my credit report for 14 months twice! It is an obvious attempt to corroborate inaccurate information with XXXX XXXX XXXX I will provide documentation showing changes made on XX/XX/XXXX reflecting 3 payments made XXXX XXXX XXXX XXXX XXXX. The very next day XX/XX/XXXX, 3 payments show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when previously last reported, until XXXX XXXX this account shows verified as accurate with payments received in XXXX XXXX XXXX XXXX XXXX XXXX It IS very important information to me because I rely on ACCURATE credit reporting especially this account as its the only one ever reported late in over 30 years! I question why it was changed 14 months after transfer.
Product: Debt collection

On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company.

The company name is National services group. Phone # XXXX
Product: Credit reporting or other personal consumer reports

I notified Experian and XXXX on XX/XX/2023 and informed them both I did not provide written permission to report the following account on my credit report, this account is a result of fraud : XXXX XXXX XXXX. I requested both Experian and XXXX to block and delete this account from my credit report within 4 business days. Experian and XXXX are in violation of FCRA 15 USC 1681b ( 2 ), as well as FCRA 15 USC 1681c-2. Experian and XXXX are continuing to report this account which constitutes a violation of FCRA 15 USC 1681n which is willful non-compliance.
Product: Student loan

On XX/XX/XXXX I called Nelnet to request a refund for all payments made during the COVID Forbearance and was told I would hear from the loan processing team and it would take approximately 4-6 weeks. On XX/XX/XXXX I was emailed from Nelnet saying my refund was denied. On XX/XX/XXXX after not hearing a reply via email I called back and was notified my refund was denied due to not verbally consenting to my loans being reinstated. This was not communicated to me on the initial call and I was told after this verbal consent I would have to wait through the queue all over again another 4-6 weeks minimum! It is now XX/XX/XXXX and I still have no additional information on my refund and I am very disappointed with the lack of communication and misinformation from Nelnet as this is potentially going to cost me money if they can not process my refund in time for me to get my student loan cancelation squared away before payments resume. It is unacceptable that I called on XX/XX/XXXX and was knocked out of the queue due to negligence of Nelnet employees not asking for my verbal consent the first time around.
Product: Credit card or prepaid card

I purchased two items on XX/XX/XXXX ( order total {$1300.00} ). One of those items was available immediately for shipment and I received it ( {$100.00} ). The other item was not available for immediate shipment but I was charged on the XXXX XXXX XXXX credit card. When I made the purchase I signed up for 6 months of 0 % interest. As the months went by and I still had not received the item I noticed on my credit card statement I was making payments for an item I still had not received and that I was in fact being charged interest on that item. In XXXX I contacted XXXX XXXX to find out when my item would be delivered and they could not give me any answers. They told me it was best to cancel my order and get a refund. So this is exactly what I did. On XX/XX/XXXX I contacted XXXX ( spoke to XXXX ) because I wanted my money back and I also wanted the money back that they had charged interest on as I never received the item and that was not part of the agreement. She opened up a dispute and said it would be resolved within 90 days. I received a letter dated XX/XX/XXXX that said they would resolve the issue within 90 days. 90 days passed and I never received any notification nor my money back. On XX/XX/XXXX I spoke to XXXX and he told me I needed to speak with someone at XXXX XXXX. So that same day I spoke to XXXX at XXXX XXXX and she told me the dispute is with XXXX not XXXX XXXX I called back XXXX and said I needed to speak with a manager. Eventually I spoke to XXXX and she said that on or around XX/XX/XXXX I would hear back from XXXX regarding the results of the dispute and she could issue a check. I never heard back from XXXX. They still have my money. On XX/XX/XXXX I received another letter stating that it would be another 90 days. I believe this is against the law. I don't see how they can keep my money. I'm at the point where I will hire an attorney and take them to court or file through small claims for all of the additional stress this has caused me and not getting my money back that I am rightfully owed.
Product: Payday loan, title loan, or personal loan

Applied for a loan and bank retracted loan after they made internal error but even though contract and bank note was signed by both parties and Bank was in a legal binding contract they advised they will not assist with the providing the loan back. They retracted personal funds from account to cover loan as well and no one is able to assist.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX  XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. You have violated my consumer rights and violated federal law. I have attempted to bring this issue to light on multiple occasions as I have attempted to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Name XXXX, XXXX, Y XXXX, XXXX, XXXX, XXXX XXXX XXXX  Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXXI XX/XX/XXXX
Product: Checking or savings account

On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges of {$1300.00}. It was denied XX/XX/scrub>XXXX  with the absurd reasoning of transactions appeared to be authorized because successful online banking logins and attempts during disputes timeframe. This is absurd reasoning, I deposit and spend money on my account so I assume that the money is there and when I login I have a balance, not aware that it is an incorrect balance. It is not to my knowledge that transactions were being made in my account as they were mixed into my own and I didnt look at any transactions and dont regularly log into my account as I assume that my money is safe. It is only when my card declined on an online deposit that I became aware and investigated my transactions history seeing and immediately reporting the fraudulent unauthorized transactions to TD BANK. It can be my fault for not being privy to my own book keeping of what I spent, but it is not my fault for the fraudulent transactions that have appeared on my account, and it is also TD BANKS fault for not catching the fraudulent transactions before they took place and I am actually the individual who caught them! 

On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges in the amount of {$460.00}. These were part of the other claim but could not be filed together as these charges were still pending in the account and needed to post to the account first. On XXXX  this dispute was denied with the absurd reasoning that You advised your chip card was in your possession, during an in person transaction. Which is absurd because if they actually did do an investigation, contact merchants, or pull camera footage they would be able to see that it was not me who made the transaction or if it was altered/ fictitious card. It may have not even been a card used and may have been a nfc transaction, or the card may have been skimmed/ cloned. There are so many variables which make this reasoning of determination absurd. 

I have been banking with TD Bank for probably more than a decade and have never filed a dispute for any prior transaction that have been made in my account. The one time that fraudulent charges do occur and I attempt to report it and be reimbursed and td bank is trying to hold me accountable for unauthorized fraudulent charges on my account that was not even caught by them, but instead by me is absurd.
Product: Credit reporting or other personal consumer reports

Credit Reporting - Incorrect information on your credit report **Issue : ** Dispute investigation by credit reporting company didnt fix error Complaint Details I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Capital One. Despite multiple disputes, no verification or validation has been provided as required under the **Fair Credit Reporting Act ( FCRA ) **. Additionally, as a confirmed **victim of the XXXX XXXX breach**, I have reason to believe these inaccuracies may be tied to identity theft or fraudulent activity. The details of the XXXX XXXX accounts in question are as follows : XXXX. XXXX XXXX Account ( # XXXX ) - Errors : - Conflicting account statuses : " Closed at credit grantor 's request '' and " Charged off. '' - Credit usage is listed as 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ). 
- Payment history is incomplete ( XXXX to XX/XX/XXXX missing ). 
- XXXX XXXX has failed to provide any validation documents despite my previous disputes. 
2. XXXX XXXX Account ( # XXXX ) - Errors : - Reflects five late payments without clear documentation or explanation.

- Past due amount of {$160.00} is reported, despite the highest balance being only {$190.00}.

- Misleading account status : " Closed at credit grantor 's request, '' but still reported as past due. 
- XXXX XXXX has not provided any verification or supporting documentation. 
FCRA Violations 1. **Failure to Validate : ** - Under **15 U.S.C. 1681i ( a ) **, XXXX XXXX is required to delete unverifiable information within 30 days. Their failure to validate these accounts after multiple disputes is a clear violation of this requirement. 
2. **Failure to Ensure Accuracy : ** - Under **15 U.S.C. 1681e ( b ) **, XXXX XXXX must maintain maximum possible accuracy. The reporting of conflicting, incomplete, and unverifiable information violates this standard. 
**Case Law Reference : ** In **Cushman v. TransUnion Corp. ( 1997 ), ** the court ruled that credit reporting agencies and furnishers can not merely rely on automated data verification systems. XXXX XXXX has failed to conduct a reasonable investigation into the accuracy of the data they report. 
Furthermore, in **Taylor v. First Advantage Background Services Corp. ( 2020 ), ** the court reaffirmed that furnishers of credit information have a duty to ensure the information they report is accurate and verifiable.

Potential Litigation If this matter is not resolved promptly, I reserve the right to pursue legal action under the FCRA for damages caused by XXXX XXXX 's failure to ensure the accuracy of my credit report. Litigation may include claims for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, attorney 's fees, and court costs. Additionally, I may file complaints with state regulatory agencies. 
XXXX XXXX has failed to address these issues after multiple disputes, violating my rights under the FCRA. I request CFPB intervention to ensure compliance with federal laws and to resolve these issues promptly. 
Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went on XXXX which is Experian to get a free credit report. The service was {$1.00} for 7days free after that if you havent cancelled it would be {$29.00}. Ive been calling since XX/XX/2018 to cancel the service. Ive tried 5 different numbers and you cant speak to a live person to cancel membership. Ive emailed them 6 times and still havent received a response. I called XXXX XXXX to see if they had any suggestions on how to get this matter resolved and they stated I was the 3rd person to call in about the same issue. These are the numbers I have called and email address that Ive used also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Checking or savings account

On XX/XX/2024 I was contacted by Citizens Bank about possible fraudulent activity. They went over several transactions amounting to $ XXXX. They were all fraudulent. They then closed the debit card and filed a claim. 2 days later the other debit card on the account was frauded, over {$800.00}. I Called and had card closed and filed another claim. 
They notified me that the claims were denied because of " previous relationships " with a 2 of the multiude of companies that were apart of the claim. These relationships are with companies that the whole county has relationships with as one of them are the only provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX   balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Product: Money transfer, virtual currency, or money service

I have had my bank of America account electronically acceseesed remotely from a lost phone from XXXX XXXX they did it through XXXX XXXXXXXX near my mom 's house where I used to live and stole all my mail I XXXX XXXX  and my tax returns from irs
Product: Credit card

I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?