23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtness ). I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to Zion Debt Holdings LLC making false claims against my Estate XXXX XXXX XXXX I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Product: Credit reporting

XXXX YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under XXXX XXXX XXXX XXXX g XXXX and XXXX for failure to accurately report credit information in violation of XXXX XXXX a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 XXXX b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 XXXX a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the XXXX year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T has been reporting our mortgage payment for XX/XX/XXXX past due 30 days. The account was placed in COVID-19 forbearance on XX/XX/XXXX. The loan actually paid in full on XX/XX/XXXX, the wire was sent on XX/XX/XXXX. We have never had a late payment before and was reluctant to ask for the forbearance but we were assured there would be no repercussions or negative impact to our credit. XXXX, XXXX, and XXXX   need to have this late payment removed for both XXXX and XXXX XXXX as the mortgage was a joint account.
Product: Debt collection

I received communication by phone and mail in XX/XX/XXXX about a report unpaid medical charge from XXXX. When I spoke with the collection agent I disputed the charge as I knew that my insurance paid this clinic. The collection agency said they would get itemized info from the clinic. Then in XXXX they reported to XXXX  that I was delinquent. I contacted the collection agency and paid the disputed amount and told them I would proceed to take action against the clinic and they agreed to have the info expunged from my credit report as they never followed through with getting any data from the clinic and I had proof my insurance paid any known charges. I then filed a dispute with XXXX  and submitted the letter from the collection agency and the insurance report. The collection agency has twice still verified the debt and not removed this from my record. I have spoken to a supervisor at the agency who verified that they would report to XXXX  the deletion if the request came and today they still reported no change to XXXX  and my credit score remains significantly reduced due to this inaccuracy.
Product: Debt collection

Self, Inc. stated that communication with the consumer had ceased on XX/XX/XXXX. However, according to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements, Self has, in fact, NOT ceased all communication with the consumer. The referenced account is still reporting within the consumer reports.
Product: Credit card or prepaid card

I attempted to pay the company that owns my apartment in the amount of {$310.00} on XX/XX/XXXX for fees associated with my living space. On XX/XX/XXXX, the money was re-added to my apartment 's list of charges, along with a Non-Sufficient Funds ( NSF ) fee of {$100.00} added onto it. Checking back later, on XX/XX/XXXX, I found that I now owed {$430.00} as a result of the company not receiving the previous funds, the NSF fee, and late fees. I immediately attempted payment again, only for the same incident to occur again today on XX/XX/XXXX, with another NSF fee applied, resulting in {$530.00} being the money I now owe. On both occasions, I attempted payment with XXXX. 

Panicking, I check my bank statement to find when I sent in the money. I vividly remember having the appropriate funds prior to paying the landowning company on both occasions, and when checking my balance after, I found that the amount of money I sent in was missing from my account. However, I can not find the money listed anywhere on my account. 

I had called the number on the back of my US Bank XXXX XXXX for assistance, and was told by the agent I reached that the transactions never occurred. When I asked where my money went then, the agent avoided answering directly, and suggested I speak with the merchant I paid. I then discussed the problem with my leasing XXXX, who stated that most tenants in the building I live in pay their bills with XXXX, and that no one else had this issue. 

I am now missing {$740.00}, and I can not find when or where they went on USBank 's XXXX XXXX site, or their mobile app. I then checked online and found that earlier this year US Bank was fined {$37.00} XXXX for stealing from their customers, and I fear they've simply found another way to do so, and that I've become a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX Mortgage who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX  Mortgage ( done through XXXX XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX MORTGAGE XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX MORTGAGE SERVICES XXXX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX  I contacted XXXX, XXXX and TransUnion to have them removed and nothing has been done at this point.
Product: Mortgage

Since XX/XX/year>, I have made numerous attempts to work with Mr. Cooper by XXXX to get a modification and loan resolution. I am XXXX and have a hard time hearing ; I've requested accommodations and was denied. I was hung up on it and told I could only communicate in writing. I asked for a callback from the supervisor and have not received any correspondence from the servicer. Also, I've applied for modification three times and supplied them with all the info plus extra, and they keep closing the application, stating it's incomplete. They only have an app for uploading and submitting documents and forms, but it's very unclear, mislabels the documents, or conveniently doesn't forward them to the correct department. I'm supposed to have one single point of contact, but they have also failed to provide that, forwarding me to an entire department that refuses to talk with me. The XXXX  XXXX XXXX  helped me for a bit, but all my funds went to fees and bogus charges ; all the statements from Mr. Cooper vary, including random charges that don't add up to almost XXXX.
Product: Checking or savings account

I deposited 3 checks totaling {$33000.00} at XXXX XXXX  on XXXX XX/XX/2021 at a Navy Federal branch location with a Member Service Reperentative. The bank teller informed me there would be a 2 business day hold on {$33000.00} of the deposited funds. The deposit receipt clearly indicates the same, and says " {$33000.00} will be held from your total deposit and will be made available for withdrawal after 2 business days (XX/XX/XXXX ) ''. 

I called Navy Federal on XXXX XXXX and asked them why my funds were still not available. They informed me they extended the hold time to 5 business days, and my funds would not be available until XXXX XX/XX/2021. 

This is contrary to their posted " Funds Availability Schedule '' which clearly states " If your check deposit is made with one of our MSRs and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a deposit hold notice by the first Business Day after we decide to take that action. '' I deposited my checks with one of Navy Federal 's MSRs, and was told they were going to delay the funds by 2 business days, not 5. There is no provision in Navy Federal Credit Union 's Funds Availability Schedule that allows them to change the hold time for an additional 3 business days. Additionally, I have yet to be mailed a " deposit hold notice '' as their own policy clearly states.
Product: Mortgage

I had a XXXX XXXX XXXX with Bank of America for XXXX. A fixed rate. A year later I had storm damage and I asked them if I could increase the loan to XXXX. They said that they would have to create a new loan. The XXXX XXXX is XXXX. All of this over the phone. I did email them verification of income once again and I am sure they did a credit check. I did not receive any paperwork from them prior to the closing. I knew that interest rates had changed for this second loan but the only thing I was doing was increasing the loan. I met someone at a restaurant and signed the papers. She was not an attorney I believe as was done the first time. The loan would be around {$560.00} a month and it was a year later that I discovered that Bank of America had changed the loan from a fixed rate to a variable rate without my knowledge. Now my payment is almost {$1000.00} a month. Only an XXXX does a variable rate. I would never do it. I did not have knowledge of this until the monthly payment increased. What a scam.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian Information Services LLC for failing to investigate my disputes regarding inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Details of the Complaint : 1. Dispute Information : - AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Inaccuracy : I would like to have these accounts removed from my report. 

2. Experian 's Response : Despite my repeated submissions regarding these inaccuracies, Experian has consistently responded within 24 hours asserting that the accounts are accurate. However, they have not provided me with any evidence or details regarding the nature of their investigation, which I believe is insufficient and violates the requirements outlined in the FCRA ( 15 U.S.C. 1681i ). 

3. Legal Basis for Complaint : - The FCRA mandates that consumer reporting agencies conduct a reasonable investigation into disputes. Experians failure to do so not only undermines my rights as a consumer but also suggests noncompliance with the law.

- Furthermore, Experians actions may violate the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) ), as highlighted in the CFPB 's recent administrative proceedings that emphasize the obligations of credit reporting agencies to ensure accuracy and transparency in their reporting practices. 

4. Requested Action : I request that the CFPB investigate my complaint against Experian for these alleged violations and take appropriate action to ensure compliance with federal laws. I also seek assistance in rectifying the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Capital One saying a transaction of {$2400.00} was denied because of insufficient funds. I immediately called my bank to complain and find out who was trying to illegally withdraw funds out of my account so I could file a police report, but they would not pursue or give me that information. They just told me Capital One tried to withdraw the money for a credit card payment. They then transferred me to different departments and no one could resolve my issue or Id have to start from scratch. 

This same issue happened on XX/XX/XXXX when someone tried to take {$3800.00} successfully and I was able to eventually get it back, but no one was pursued for this illegal activity as it obviously happened again and I feel this will just keep continuing to happen unless someone gets the information from Capital One of who was trying to take my money out. 

Capital One knows that it was someone with a Capital One credit card trying to illegally use my Capital One bank account info to pay off their credit card. I dont understand why it is so hard for Capital One to report this person to the proper authorities.
Product: Debt collection

The company name is : Portfolio Recovery. This company has sent hundreds of letters over the past fifteen to twenty years. I did contact the credit bureau 's and I had positive results, meaning this company was blocked from damaging my credit by from placing current dates as if I had recently applied for credit with their company. And now what this company do is track my addresses, telephone number 's and call leaving no voice messages but I have call block on all of my phones so the above mention name pops up 's from different states and phone number 's. This company conducts many soft inquiries a month on my credit. In the past in all of the letters it states that the statue of limitations of this debt does apply because it is an old debt, and I will not be sued in court. well since I don't have bad credit I just assumed for a long time this was a scam. Until I moved and I had many letters from this company waiting for me from this company. This nothing but harassment and I am sick of it now. I am a retired XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX   and this has to stop. How ever the person from this company that has been tracking me down all of these years makes me feel as though my life may be in danger because of the behavior of this person and the amount of time that this has been going on. What ever assistance that can be given I really would appreciate, because this misconduct must stop.
Product: Credit reporting or other personal consumer reports

My credit report shows that I owe {$190000.00} to Mohela. In my XXXX credit report I can see the " original loan amount '' listed as {$23000.00} which is correct. The " amount paid '' is listed as - {$160000.00}. So when you take XXXX - ( - ) XXXX = XXXX which is the " remaining balance '' listed. When you minus a negative number they add together. 
My remaining balance to Mohela as of XX/XX/year> is {$18000.00}. 
XXXX, XXXX, and XXXX reflect that I owe Mohela {$190000.00}. 
I created a dispute for all three credit bureaus and Mohela today. 
This needs to be corrected ASAP or I will lose out on grant money to forgive my {$18000.00} of student debt with the XXXX XXXX program currently going on in Illinois for first time home buyers. This is a mortgage loan program and I close on my home XX/XX/year>
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report. In accordance with 15 USC 1681c-2, I ask for these errors to be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXX  XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with regards to an incorrect late payment history that appears on my XXXX  credit report. The history pertains to a Perkins Loan serviced through UAS  for the XXXX XXXX  University Bursar 's Office. 

I submitted the following in a credit dispute to XXXX  ( see attached ) : - Document 1 : Borrower Statement - Document 2 : Relevant CFR regulations - Document 3 : Relevant ISAC regulations - Document 4-5 : Proof of contact with the alumni office during the dates of alleged late payment - Since submitting the dispute, I have collected more clear evidence from the Alumni office regarding the exact dates my contact information was on file ( Document 6 ). I have attached this for review. 

The dispute was concluded by XXXX  on XX/XX/2020. I have attached a copy of the dispute report as provided by XXXX  ( Document 7 ). Document 7 shows that the account history continues to reflect late payment status codes for these months. All that was updated was the effect of my recent payment on any past due balances. 

Having previously tried to resolve this issue independently with both UAS  and the XXXX Bursar 's office and through an XXXX  dispute, I am now turning to the CFPB for assistance in resolving the matter.
Product: Checking or savings account

PayPal is still allowing Identity Thief XXXX XXXX XXXX to use my identity. Her alias is XXXX XXXX. The company allows her to use my identity in order to complete PayPal transactions.
Product: Credit card

I received a Capital One Quicksilver card in the mail on XX/XX/year> that I never applied for. The card was under my maiden name, XXXX XXXX. I have not used that name in XXXX years and never in pair with the current address. I called Capital One and made them aware that I didn't apply on XX/XX/year> and they have opened a fraud investigation. Through XXXX, I found that the application was made on XX/XX/year> under a phone number I did not recognize, XXXX. Because of this incident, my credit score dropped XXXX points.
Product: Credit card

On approximately XX/XX/year> a charge posted to my credit card account in the amount of XXXX. I did not make or authorize the charge. When I later found out about the charge I disputed the charge with the credit card company and they denied my dispute saying that I would be held responsible for the charge. I called the company XXXX  times to no avail. They provided no acceptable reason for holding me responsible for the fraudulent charge on my account. I do not believe the bank did any investigation at all regarding this issue. The company is the Imagine Credit Card. The Imagine app indicates that the Imagine credit card is issued by XXXX.
Product: Mortgage

NewRez is servicing my mortgage account. On XX/XX/2020 I made payment in full for the forbearing balance ( as due to COVID-19 event ) that I owed for the month of XXXX and XX/XX/2020, and an extra payment amount to cover XX/XX/2020 due. However, my extra payment amount appeared on my statement as for the extra principle amount instead, and my XX/XX/2020 due was still owed. 

On XX/XX/2020 I called the customer service line at XXXX, waited in the queue and got disconnected by their automated system after 19 minutes. 

On XX/XX/2020, I logged on my account online ( myloan.newrez.com ), wrote email via " Contact Us '' link and requested them to apply my extra payment they received on XX/XX/2020 to my XX/XX/2020 payment. I wrote the email because their web site stated that " Please allow two business days for emailed questions. '' On XX/XX/2020, which is 8 days past my 1st email, my payment still has not been fixed, I sent another email via " Contact Us '' link and also called the customer service line twice. The first time I got disconnected after 15 minutes, then the second call got disconnected after 35 minutes. 

I am not able to resolve with NewRez regarding my past due amount. If I don't send in additional extra amount that I DO NOT OWE, eventually after a period of time, my credit score is going to be affected as I am already finished my forebearing period ( as the result of COVID-19 event ).