23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LOAN NUMBER XXXX FIRST ISSUE IS THEIR BUSINESS AND COLLECTIONS PRACTICES. THEY SAY THEIR IS NO GRACE PERIOD BUT YOU ARE NOT LATE TILL THE XXXX OF THE MONTH. IF YOU ARE NOT LATE TILL THE XXXX CONSTANT CALLS TILL THE PAYMENT IS MADE ON THE ACCOUNT BEFORE THE XXXX. THEY WILL CALL HOWEVER AND WHATEVER ASSOCIATED WITH YOU AND THEN GO FROM THERE. SECOND EMPLOYEES DO NOT KNOW HOW TO TALK TO PEOPLE IN REFERENCE TO ANY SITUATIONS GOING ON. I NEVER ASK FOR A PAYMENT TO BE MOVE I KNOW MY FIRST PAYMENT WAS LATE BUT THIS LATE TWO PAYMENTS THAT WHERE LATE WAS DO DUE TWO XXXX IN THE FAMILY THE RESPONSE FROM THE COMPANY IS THIS HOME IS A PRIORITY. ALL OTHER COMPANIES HAVE TO FOLLOW CERTAIN BUSINESS PRACTICES BUT THIS ONE. I ONLY WANT COMMUNICATION FROM THEM IN WRITING I DO NOT WISH TO DISCUSS ANYTHING WITH THEM OVER THE PHONE OR VIA EMAIL THEY LACK PROFESSIONALISM. ALSO THEY NEED THEIR BUSINESS PRACTICES TO BE INVESTIGATED.
Product: Credit card

My family pays our capital one bill using a certified check through XXXX XXXX. Have done for years. The XX/XX/2023 payment in dispute never arrived. We discovered payment mishap and canceled the certified check payment. Once the money was received back into our account I made and ACH phone payment to capital one. About 5-7 days later capital one found the missing check and tried to cash it- to their surprise it had been cancelled. Capital one then claimed they never got any money even after XXXX had taken it out of our bank account. Capital one opened its first investigation which ended XX/XX/XXXX letting us know they found the money. We have that letter. About 10 days later we found out another investigation had opened as now capital one said it didnt have the money. Capital one then asked for XXXX to open an investigation. They complied and about 5 weeks later on XX/XX/XXXX we can the acknowledgement that XXXX indeed made the error. Only now we also have an outstanding debt with capital one that capital one has doubled for no reason- in fact theyve opened another internal investigation as to why the amount owed doubled when no one has used the credit card in question.
Product: Credit reporting or other personal consumer reports

According to law 15 USC 6802b and ( c ) - the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

18 USC 1028A - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of imprisonment of 2 years. 

XXXX XXXX XXXX never sent me a notice or chance to opt out to have my information shared with non affiliated third parties. Neither did they provide a written letter with my original signature to have them share my information with non affiliated third parties. All that was sent from them in their response was a document that I never received that stated they would share my account with non affiliated third parties. 


I would like for this information to be corrected or I will exercise my rights against XXXX XXXX XXXX  for each consumer law that they are breaking.
Product: Vehicle loan or lease

My Name is XXXX XXXX XXXX and I have purchased a Honda XXXX on XX/XX/year> from XXXX Honda XXXX, TX. The sales person gave us the final XXXX XXXX out including everything taxes and fees of {$31000.00} we put the down payment of {$6000.00}. when they send us to the finance department it was late night we been sitting there for 5 hours. The finance department put us more charges of service fee agreement and GAP insurance and warranty which we denied. The cost they put on us is around {$37000.00}. They fraudulently put more services. On XX/XX/XXXX I called to cancel all the other extra Services and they said it can take unto 11 to 14 weeks to remove. I am keep paying for those services that I never opt in for. We already paid {$620.00} twice for two months installment and {$6000.00} for down payment! Still have a balance of over {$27000.00}. 

Already have a case number with Honda Financial which is ( XXXX ). The XXXX # is ( XXXX )
Product: Debt collection

I received notice from XXXX of a collection from this collection agency of a debt from XXXX who was bought in XX/XX/XXXX by another debt collector and was included in the bankruptcy I filed on XX/XX/XXXX because I dont owe or never owed XXXX anything beyond my contract with them.They have opened an illegal account and placed this collection once again on my credit report and it needs to stop. I filed bankruptcy for relief from debt I dont owe, not to be recharged by other debt collection agencies and placed on my report to hurt my credibility. Vivint cant be reached by the CFPB as was stated in the case from XX/XX/XXXX which lead to being reported to FTC in the final resolution. I have provided proof of the original debt and the dates which were years ago not XX/XX/XXXX as shown on this bogus debt. I had no service with XXXX at that time, the contract had expired because it was completed. To this date this agency and other collections agencies continue to buy this debt and come after me. This needs to stop. It is not a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to the three credit reporting agencies ( XXXX, XXXX, Experian ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX  Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 : XXXX credit reports showing no change and missing notice of disputes
Product: Credit card

This is my second time have to make a complaint due to issues with the store credit card payment for my XXXX XXXX XXXXXXXX XXXX  serviced by td bank. I have set up auto pay on multiple occasions and there were issues with the site. After my initial complaint the issue was resolved and auto pay was set up. Then a few months later all of my information was removed from the site and there was no record of the auto pay I had set up or my stored bank account information. Because of this payments were missed and I received late fees and hits to my credit score. This is the most poorly run company I have ever dealt with and I will report their unfair and deceptive practices to every possible outlet until this is rectified.
Product: Debt collection

I never received or applied for this card. This is fraudulent activity. This is the XXXX XXXX card which i never applied for or received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint, as well as the attachments included in this complaint. I recently checked my credit report, and I noticed numerous inaccurate and un authorized accounts and inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.I am writing to formally express my concerns regarding Zelle 's 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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. Account Name  : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX Experian : XXXX XXXX XXXX XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Mortgage

I have my mortgage with Franklin American Mortgage Company. I have a XXXX that is service connected and not require to paid property taxes in the state of Alabama. I send too the mortgage company what receive from tax office in XXXX, Al. The problem is that they continue to collect property taxes in my escrow. I have spent appt. 10 to 12 hours talking to them and their mangers to no avail. I sended in my information around XXXX Or XXXX of each year. I 've had my mortgage for 22 months and when I call them this last week the lady appear not to have a record of my paper that was mailed in XXXX XXXX. The manager I talk to said that I was making escrow payment for XXXX. My question was why are they collected for XXXX when I have mail them my paperwork fort XXXX and XXXX. He said that they would mail a refund at the first of the year. Why should they be charge me escrow when I could get interest on the money if it was in my saving account. 





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

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. 2. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX  Account # : XXXX XXXX. ) Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX 5. ) Account XXXX : XXXX XXXX XXXX Account # : XXXX 6. ) Account Name : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. 9. ) Account Name : XXXX XXXX XXXX 11. ) Account Name : XXXX XXXX. 12. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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. 1681 s-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

We modified our mortgage 18 minths ago with Carrington mortgage services.

And with covid 19 we asked for a forbearance and the mortgage servicer when applying online says they will get back to you in 7-10 days. Waited and then called.

Talking with the mortgage servicer they say we dont qualify but we applied online thru our account. No one was ever going to call us. They said they asked a supervisor and we dont qualify because we are conventional. We would have to apply for mortgage assistance that could take 30 days from application received complete and accepted to start process of forbearance or modification. With it taking 60-90 days to get a answer. 
They modified us into a loan in which now we are stuck under whatever rules they decide. Its like they want people to get in deeper with them. I feel the website makes it look loke they help you but why couldnt they say when on website your loan doesnt qualify immediate. Why let consumers wait and hope.
Product: Credit card

In XXXX of 2023, some unknown person got unauthorized access to my American Express account ( an Hilton XXXX card ) and added XXXX authorized users, all of whom I do not know. I immediately contacted Amex and was put through to their fraud department and told that those unauthorized cards would not be printed and were removed from my account, and that I would get a new card. Several days later, all the cards arrived in my mail and I started being bombarded to activate the cards for my authorized users. I called Amex, who again said they would remove those unknown persons from my account. I have recently called again, over XXXX months later, because these names remain on my account. Amex keeps giving me a run around how they need 30 days to remove these fraudulent names off my account ; over a week since my last contact with their fraud department and they are still on my account and they claim they are " investigating ''. If I don't want someone on my account, it's my right to remove them, but it's so wrong to keep these names on in fraud. Absolutely unacceptable.
Product: Debt collection

The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.
Product: Credit reporting or other personal consumer reports

My account with ( creditor name ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in 60 days 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 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act XXXX Account # XXXX, has violated my rights. 

15 Usc 1681 Section 602 States I Have the rights to Privacy 15 Usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 Usc 1666B : A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are inaccurate accounts that do no belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge i've asked for proof or any verification these accounts belong to me and i havent received anything, yet these negative accounts still remain and effect my credit reprt XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I would like to formally request the removal of all hard inquiries, collections, installments, closed accounts, debts, inaccurate addresses, and any other inaccuracies from my credit report. 

FCRA Section 611 FCRA Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT BUREAU has reported an incorrect account as a collection without any proof or verifications because I HAVE NEVER had an account with XXXX. XXXX CAN NOT VERIFY MY PERSONAL INFORMATION, SIGNED AGREEMENTS, CREDIT CARD INFO FOR PAYMENTS. THIS ACCOUNT WAS PREVIOUSLY REMOVED FROM ALL 3 CREDIT BUREAUS FOR FALSIFICATION
Product: Debt collection

Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.
Product: Credit reporting or other personal consumer reports

I am writing this letter because I have recently reviewed my credit report and found an item on my report that I do not recognize and need to have the charge verified. 

This account is affecting my overall credit report and preventing me from progression purchasing a mortgage and more. 
I need someone to verify the account to ensure that the account is accurate. Below is the account that I need to be verified and validated. 

XXXX XXXX XXXX Account XXXX. XXXX Please follow up with a response and verification of this account.
Product: Debt collection

I have been trying to get this company to remove innacurate information that isreporting to my credit file that continues to violate my consuer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a collection that is not mine. The Collection agency is XXXX in XXXX Montana claiming a bill is owed to XXXX XXXX XXXX for {$250.00}. The other two agencies, XXXX and XXXX already removed. XXXX sent me a bill, that shows XXXX XXXX in XXXX is who owes the debt, NOT me, XXXX XXXX in XXXX. XXXX is also spelling my name as XXXX XXXX. 

Please get them to delete this per FCRA as it is inaccurate. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting your assistance with the incorrect account being reported on my credit report. This issue has harmed my reputation as a customer, and I need your help. I want these accounts removed due to their false and negative reporting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, 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 a account without my written instructions