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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA [ XXXX ] Last 4 of SSN- [ XXXX ] XX/XX/2024 Consumer Financial Protection Bureau ( Enforcement ) Enforcement Office XXXX XXXX XXXX XXXX Washington XXXX DC XXXX supervision@cfpb.gov ; CFPB_RegulatoryImplementation@cfpb.gov ; CFPB_Litigation@cfpb.gov Subject : Formal Complaint Regarding XXXX XXXX Violation of 15 U.S. Code 1681c-2 ; 15 U.S Code 1681b Complaint Regarding XXXX Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX ; FTC File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of XXXX FTC Act Federal Form JS 44 will Commence Report Number XXXX VIOLATIONS - {$4000.00} Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file 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!!! 

XXXX  File dated XX/XX/XXXX XXXX XXXXXXXX are listed as accounts with Adverse Information. This, again, is INCORRECT XXXX is accused of violating 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX consumer reporting agency violated 15 U.S. Code 1681b by reporting information on the consumer 's report without written instruction from the consumer. This is stated in the document, where the consumer explicitly states that they never gave any consumer reporting agency written consent to report anything on their consumer report. 

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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 

Best, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX XXXX ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late
Product: Credit card or prepaid card

Well I applied 4a American Egal credit card & u can either just get tht card er a card 4american egal & any where else which tht was the 1i was approved 4. They kept telling me I was lying then finally said have account so I changed password so I could sign in but I still cant sign all way in & havent recieved the card yet. This needs b addressed ASAP. Thanx 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : 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 have gave ALL parties 2 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay alleged debt. This account have been removed and furnished back on my reports with no communication. 15 USC 1692. Following parties have violated my rights and with the help of CFPB I will seek damages. I demand account be deleted from all reports IMMEDIATELY!! Please see attachment 18 USC 8
Product: Credit reporting, credit repair services, or other personal consumer reports

the US Justice Department won a {$95.00} settlement against XXXX XXXX parent company XXXX XXXX XXXX XXXX. 

The source of this lawsuit and lawsuit settlement was rooted in XXXX committing several counts of fraudulent behavior, specifically tied to the way that they advertised their XXXX XXXX XXXX. 

In fact, its basically a false advertising case, where the school made false promises or false claims, in order to lure students into taking out loans to attend their higher education programs on the belief that they were more valuable than they truly were. 

In the lawsuit, XXXX was accused of using deceptive, high-pressure recruiting tactics to generate more enrollments, and as as result of the settlement, each one of XXXX  schools was appointed an independent administrator to monitor recruiting and enrollment practices, ensuring that the illegal marketing activities would end.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple 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 infeasible. The CFPBs finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have not authorized the creation of these accounts and believe they are potentially fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment
Product: Mortgage

I was on a forbearance for unemployment for XXXX months. They said at the end of XXXX months if I still wasnt working to request an extension. I did that and then they did not approve it. Does not make any sense as they said it would be extended if I was not working. Then they called and said they would email me a packet to fill out so they can work with my VA Home Loan Guarnatee officer from Colorado to come up with other options such as loan modification, refinance etc. they never emailed me the packet. And k sent them multiple emails asking for it or mail it. I tried to call and was on hold for over an hour and chose option for them to call me back. They never called me back. I already did one complaint and they sent me act 91 which is foreclosure in 30 days which is not legal since the VA Al has a foreclosure moratorium until the end of XXXX. It cant be in that as an option before XX/XX/XXXX. So they jumped the gun on it. This company has the worst customer service and Im not happy that I can not get a straight answer from anybody. How hard is it to leave it in forbearance until I get caught up or to give me other options. You think they would want me to get it under control versus foreclosure. Ive seen people behind XXXX years and yet Im only XXXX  months behind and Im working with PHFA to help me get this under control. So number 1 they failed on their promise to extend my forbearance., 2. They never sent me the packet to fill out for them to work with the Va loan officer to come up with alternates and went right to foreclosure before they legally could do to the mortatorium.
Product: Mortgage

To Whom It May Concern : My name is XXXX XXXX and I am Sierra Pacific Mortgage Company 's customer, currently holding a conventional 30 year mortgage of $ XXXX, Loan Number XXXX. I sent in a bi-weekly payment amount of {$1300.00} towards my loan payment on XX/XX/XXXX, which covered 50 % of the payment amount of $ XXXX. This payment was sent from my XXXX XXXX account. I have evidence that Sierra Pacific received and cashed my check on XX/XX/XXXX. I have sent multiple emails, perhaps 5 or 6, asking that they please apply the {$1300.00} extra to principal and only one of the emails has been acknowledged ; not offering help or resolution, simply " acknowledging '' the email, but with no action taken on part of Sierra Pacific. I initially intended to send in the other half, an additional {$1300.00} within a few days, however, inadvertently, XXXX XXXX sent an additional {$2800.00} which included {$200.00} towards principal. Not intending to pay {$1300.00} plus {$2800.00}. towards my monthly payment of {$2600.00} I asked XXXX XXXX to place a stop payment, which they did, but somehow the payment made it to Sierra Pacific and they credited, then debited the amount. I had been trying, for about two weeks since the first few days in XX/XX/XXXX to make the remaining payment of {$1300.00} via Sierra Pacific 's online payment option, while the payment was still FREE of fees, i.e. no {$5.00} or {$10.00} fees, however, their system only gave me the option of paying another {$2600.00}, not keeping in mind that I had already paid {$1300.00}. I was forced to pay a {$10.00} fee to make an ONLINE PAYMENT, which reason dictates should be free, and this appears to be a PREDATORY and egregious fee, not to mention, the payment is being done before the XX/XX/XXXX of the month, when the payment is still considered timely. I am asking that you please have Sierra Pacific reimburse the {$10.00} that they took from me because I had been, for the past 14 days or more, trying to make a payment toward the balance owed, which was only {$1300.00}. At this point, as noted in the beginning of my email, I have asked that the very big, additional payment of {$1300.00} be applied as extra to principal and to make the payment retroactive to the first day Sierra Pacific received it, which was on XX/XX/XXXX, as they have been holding it in limbo as " unapplied '' and it has not been applied toward my mortgage, allowing additional interest to accrue. I have asked that they please adjust the interest to the date the {$1300.00} was received by them, and please credit the {$10.00} taken for the payment made because their system was not allowing me to pay the balance of {$1300.00} and forced me to eventually make another full payment of $ XXXX I thank you in advance for refunding the {$10.00} payment fee and applying the {$1300.00} extra to principal, retroactive to when Sierra Pacific first received that payment which again was received, AND cashed by them on XX/XX/XXXX. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the 14th and 23 and still nothing.
Product: Prepaid card

The company PNC banking was aware my card had been stolen and used for multiple XXXX  and I was never compensated or reimbursed also my account was closed out and I was facing homelessness due to this situation
Product: Mortgage

I have had a loan with XXXX. I have been 60 days overdue, but making the current payment for several months. I was told by XXXX that I needed to call on the 1st of the month every month to make the payment. When I called this month, I was told the loan had just been sold and to contact the new lender, Shellpoint Mortage. 

I never received any information regarding the sale of my loan prior to XX/XX/2017 the date of my loan sale, and have not received anything to this date, XX/XX/2017. 

I have contacted Shellpoint who does not know who I am. They have told me IF the loan was sold to them, within 60 days I would be notified. 

I am already 60 days overdue. If I wait another 60 days for them to upload the info to their computer, I will be 120 days overdue. No one will take my payment, not XXXX and not Shellpoint.
Product: Debt collection

Please see attachment The letter I sent to the attorney and his representative has everything. 

But just in case 1. They called my Poa at XXXX XXXX  2. They contact me instead of my Poa 3. They texted a unauthorized 3rd party I didnt not authorize them to do so and tell them my balance and court information etc 4. Recorded my Poa on the phone without her authorization in California And other things please review
Product: Debt collection

XXXX was paid twice, second time in XXXX. XXXX XXXX credit card supposedly sold to Portfolio Recovery Associates LLC XXXX. XXXX XXXX admits debt was paid. They are lying saying they contacted me in XXXX and are negatively affecting my credit score. They never contacted me in XXXX and the debt is originally from XXXX. Paid in full for the second time in XXXX when i did the mortgage for my house. Extortion because i started trying for a new mortgage and they sent me this letter and started reporting to credit again. Its so old it shouldn't be on my credit report or able to be collected. Especially when it is paid!! They don't even have any original paperwork showing a debt was ever owed. 
It is showing on my credit as paid in full but negative. XXXX XXXX bank agrees its paid. 

the address for Portfolio Recovery is XXXX XXXX XXXX XXXX Va XXXX
Product: Credit reporting or other personal consumer reports

NetCredit didnt report payment plan arrangement agreedment in payment status when they reopen the account after being closed. In XXXX, XXXX, XXXX,, XXXX, when noticed Payment status reported XXXX/XXXX/XXXX late XXXX times total. Inaccuracies in the account close date. ( XXXX was a close date ) until now XX/XX/XXXX listed as a close date now. Payment amount reported XXXX in the payment box a couple months ago, reported as XXXX when the original account was open. The Company made inconsistent reports time after times during my disputes process and has not been resolve since close year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations
prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 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.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Mortgage

Compliant of fraud against Champion Mortgage ; XXXX. 

On the XXXX of every month I pay Champion Mortgage on my loan at the rate of {$140.00}. However, this month was especially difficult because of unforeseen medical bills. Since I had not paid Champion this month, XXXX, XXXX, I called customer service and requested they defer this months payment until next month, XXXX XXXX. I was told Champion would agree to this. Assuming this was correct, I went to XXXX and XXXX to make purchases, but my XXXX XXXX debit card was declined. When I called XXXX XXXX, they told me the {$140.00} had been posted to my checking account, which exceeded my available balance, now at negative {$95.00}, ( including overdraft fee of {$35.00} ). This action was in direct opposition to what Champion agreed to. I called Champion again to ask why they posted the payment anyway, after telling me they wouldnt. I was told it was a mistake, and that a refund of {$140.00} would be issued in two or three days. This has not been done as of XXXX. 
I reached out to Champion several times, reminding them : I am XXXX years old on XXXX and have no other income except Social Security. Please refund this payment to help me avoid additional hardship. 

Update addendum : XXXX As stated in the aforementioned, I was promised by Champion Mortgage they would accept deferral of my XXXX, XXXX payment of {$140.00} until XXXX, XXXX ( when I received my SS deposit to my XXXX XXXX checking account ). Reason being, I did not have enough available funds to cover the payment to Champion, as of XXXX, XXXX. This morning, XXXX, I was informed by Champion, the refund was declined. Champion told me the deferral would be effective next month, not in XXXX. This is not what Champion verbally agreed to, Besides, if this was normal policy, why was I not informed of this at the time I requested the XXXX, XXXX payment deferral. I would not request a XXXX deferral to help add available funds in XXXX. This makes no sense. 
This action if not rectified would cost {$95.00} badly needed funds from available SS deposit in XXXX. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a notification indicating a significant drop in my FICO score. What makes this situation particularly concerning is that, during that period, I was not engaged in any activities related to the debt sector : 1. XXXX XXXX, XX/XX/2022, XXXX XXXX  XXXX, XXXX XXXX VA XXXX Phone, ( XXXX ) XXXX, Inquiry Type, Individual XXXX 
2. XXXX, XX/XX/2022, Location XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX, Inquiry Type Individual. 

I have diligently disputed the information in question with the TransUnion Bureau through my personal account and via phone, but regrettably, the information in question remains unadjusted. Subsequently, I took it upon myself to reach out to XXXX  XXXX and XXXX ( " XXXX XXXX  XXXX XXXX XXXX '' ) to request a thorough investigation into this matter. 

According to their response, an investigation was conducted, and they assured me that they had communicated their findings to the credit agencies. However, despite their assurances, an alarming five months have elapsed, and there has been no discernible change in my credit report. 

It is crucial to state that I have never had any dealings with the said bank, nor have I ever sought to avail myself of any of their products or services. In XX/XX/2022, I lacked access to a notification system regarding my FICO score, which left me unaware of the inquiry and consequently unable to initiate an investigation at that time. 

The detrimental information in my credit report might cause undue hardship, impacting my ability to secure loans and financial opportunities.
Product: Student loan

Conduent Student Loan Servicer & XXXX will not furnish me an " Authentic Promissory Note '' that was purchased by XXXX via recorded phone call, verification of ID that was accepted to verify my credentials for signature authorization.
Product: Debt collection

In XX/XX/2017 I received correspondence from Resurgent Capital Services requesting validation of an alleged debt. It is now three months later and I have yet to receive the information that are within my rights through the FDCPA to verify same. 

Considering I responded to their correspondence, the information this company has concerning my address is correct ; considering I responded to this correspondence, I am clearly not avoiding them, so then what's the problem? 

They continue to ignore my requests for validation but continue to report same to the credit bureaus and they continue to deny my rights under the FDCPA to handle this issue appropriately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claim adequately