23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. I was placed on an approved forbearance during the Corona Virus Shutdown and have not missed any payment since the forbearance ended. However, Citadel is treating our account as late and has caused us unbearable stress and threats of foreclosure. Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. I did submit the locked loan approval about 10 days ago which will expire by the end of this month. However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success. Moreover, we have tried to get any other supervisor on the phone without any success. No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check. It seems they are trying to avoid speaking to us so they can start the foreclosure process. The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. Furthermore, we tried again to get any representative on the phone yesterday and today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Yesterday again, there was no supervisor in 3 different departments available to talk to us. This is completely unprofessional, unethical, and incompetent for a financial institution. Please help us investigate Citadel 's business practices. 
Thank you very much. 
Best wishes, XXXX XXXX
Product: Credit card or prepaid card

I'm not really swayed that you have suitably pleased the rules of the Fair Credit Reporting Act in carrying out your study. My studies have shown me that below Section 1681 ( g ) it is important to allow me with an outline with the method utilized to prove that this account is set in collections and email me the name and addresses of persons contacted for each rule perfectly located at the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested copies of my credit report and at that time I noticed unauthorized inquiries as well as incorrect personal data contained within my credit reports. Then on XX/XX/XXXX I submitted a request to all three credit agencies ( XXXX, Experian and XXXX ) to delete this inaccurate information from my credit reports. Thirty days later after receiving an updated credit report the information still has not been removed. So on XX/XX/XXXX I submitted my second request to have this information corrected and deleted. As of today it has in excess of XXXX  days with no resolution. I am reaching out for your assistance in expediting this matter. Here are inquiries in question that need to be removed : These are reporting on Experian : XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please delete. XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please delete. XXXX XXXX  XXXX XXXX XX/XX/XXXX I did not authorize please delete. XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not authorize please delete.
Product: Credit card or prepaid card

I was denied an extension of credit from JP MORGAN CHASE BANK which is unlawful and a violation of my consumer rights in accordance to : 15 U.S. Code 1681b ( 3 ) ( a ) - Permissible purposes of consumer reports, ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S. Code 1681n - Civil liability for willful noncompliance ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 12 CFR 1002.4 General rules. ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 16 CFR 433.1 Electronic Code of Federal Regulations ( e-CFR ) Title 16 - Commercial Practices CHAPTER I - FEDERAL TRADE COMMISSION SUBCHAPTER D - TRADE REGULATION RULES PART 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES 433.1 Definitions. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
Product: Credit reporting or other personal consumer reports

XXXX and equifax and XXXX collections The balance amount XXXX sent to Equifax and XXXX is incorrect XXXX Correct amount is XXXX See attached proof Trsnsuion snd Equifax refused to acknowledge my including my report from my insurance company XXXX copy attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Product: Mortgage

Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$2800.00} ; XXXX XXXX  XXXX Balance : {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, furnishers are supposed to report/provide the date of delinquency for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account does not list a date of delinquency. It says that " this account is scheduled to continue on record until XX/XX/2022. '' This alleged account, is still showing on my consumer report. The date is XX/XX/2022. Delete this immediately. Experian is in violation of my rights as a federally protected consumer.
Product: Debt collection

XXXX XXXX ACCOUNT FOR {$870.00}??? NO WAY!!!! 

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

They did hard inquirys on my credit report that I didn't authorize and the hard inquiry dropped my credit score.
Product: Debt collection

I believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Lack of Proper Validation I requested debt validation under 15 U.S. Code 1692g, but the collection agency failed to provide proper documentation proving the debts validity.

Incorrect or Incomplete Reporting The information provided is inaccurate, outdated, or unverifiable under FCRA 1681i, requiring its deletion from my report.

Did not get my permission- Under 605B I did not give them my permission and it is illegal for them to use my information
Product: Credit card

Greetings, I am writing to seek assistance regarding an issue with a purchase I made at Best Buy. Approximately 24 months ago, I purchased an XXXX XXXX using a promotional financing offer. I believed that by making the minimum payments as indicated, the balance would be fully paid off by the end of the 24-month promotional period.

Unfortunately, once the promotion expired, I was charged {$720.00} in deferred interest, which I find both surprising and disheartening. I had sufficient funds in my account to pay off the balance, but I was unaware that failing to pay in full before the promotional period ended would result in such a significant charge. I feel that the payment terms and consequences were not adequately explained or transparent at the time of purchase. 

When I reached out to Best Buy to dispute the charge and request a reversal, they declined to remove the interest. I believe this practice is misleading and unfair, as it penalizes customers who may not fully understand the implications of these financing terms.

I would greatly appreciate your guidance on how to proceed in this matter. Is there a way to escalate this complaint, or can your office assist in resolving this dispute? 

Thank you for your time and attention. I look forward to hearing from you. 

Sincerely,
Product: Bank account or service

US Bank has arbitrarily and in a apparent retaliatory manner closed by account without fault of my own or reasons. It seems highly probable that this results from me complaining terrible service provided by its branch and Branch manager. 
I would like an explanation, apology and restoration of the account ( Not because I need the bank but because of the convenience for using one of its service : XXXX XXXX ). 
I would appreciate if you could assist resolving the matter. I have contacted US Bank but I have reached an impasse where no answer or explanation is available and no resolution path is proposed. 
I am sure that you realize that a bank closing arbitrarily accounts is rather strange and exceptional. None of my other banks ( or account with other merchants ) have ever been treated this way. Considering how and when it happens it is even more suspicious that it is retaliatory despite USBank having claimed zeal at resolving the previous matter that itself was not motivated. It certainly is not a context where USBank can argue that it can chose freely who it does business with! If USBank does not appreciate that I use its service only for one of its services ( XXXX XXXX ), then it could inform me with a proposal to that effect. It has never done so. And in any case, it is a bit difficult to believe that a bank dictates what a customer should do with its services. Is this legal? Why does it matter? How does it impact in any way USBank. Again no bank have ever questions my decisions to use them to save, to pay bill to invest etc. What happens? Was this all a orchestrated effort to get rid of me as a customer? It makes no sense. 
Your assistance in solving the matter ( Ideally with account restoration ) and at least obtaining clear explanation that can be publicized and understood by all the numerous US Bank customers in the XXXX XXXX would be extremely useful! And I really think that USBank is misbehaving and that it should be exposed to the public. 
Your help is appreciated. 

The sequence of events since XXXX 2016 is in attacehd documents
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by TransitionIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " 0 '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but XXXX consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' Doubled '' accounts showing them twice, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met.

New Evidence of Error Experian : The account incorrectly reflects a XXXX late payment in XX/XX/2024 and a 60-day late payment in XX/XX/2024, despite timely payments being made. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, Experian, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX