23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I moved into my apartment with my daughter. I was approved because of my job that I had been at about 2 years. Shortly after moving in, about a month later, I was let go during Covid. I told my leasing office and the managers, XXXX XXXX and XXXX XXXX, and they told me they would work with me while I attempted to get work. After a while of not paying -- only finding part-time work -- I was told to apply for rental assistance. I didn't get anywhere with it, as so many others were attempting to get assistance at that time. The managers let me stay for 7 months while I looked for more work. Nearing the XXXX month, after I was only able to come up with some of the money, I was told by the leasing office I would need to either leave on my own accord or an eviction would be filed and I would be forced to go. 
I left to avoid an eviction on my record, but was then told in XXXX of the next year, XXXX, I would have to pay all the previous months of rent that had gone unpaid. I continued to be unable to pay for the next few years so the account went to collections. Now XXXX owns the debt. I tried to reach them once in XXXX to just try to figure out what could be done but was told I would need to remit the full payment, which I could not do, so I let more time pass. Fast forward, I called XXXX again on XX/XX/XXXX, now that I have a job and am finally getting back on my feet, almost 5 years later. When I called, I requested access to my client account, but was told by the agent they could not provide me a password to view my debt online because there is/was no password involved. When I visit their website, however, it Does require a default password. Repeatedly the agent told me they could only provide me my account number, but not a password. So I can not view/resolve the debt online. I was also told that they can not provide me any written confirmation once/if the debt was paid, only that I could call to verify it was paid and then call the XXXX XXXX XXXX  XXXX and have them remove the debt from my record. I am a single mom and currently living in a situation I need to get my daughter and I out of. I can not get into any decent apartment because of this debt on my record. I am attempting to pay it, as I have a job now, but I am getting no where. The rep I spoke with at XXXX last told me, yesterday, XX/XX/XXXX, that she would try to submit the request to the client ( the apartments ) and see if we could get it paid/settled at a percentage, but has submitted the request a handful of times and is not getting anywhere. I am trying everything I can think of to just get this off my record. Please, if anyone can, help me.
Product: Credit card

I believe the account is invalid. BANK OF AMERICA XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.BANK OF AMERICA XXXX
Product: Debt collection

I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement
Product: Checking or savings account

My Grandmas savings account has been on an XXXX hold since XX/XX/2019. Today has been 92 days. They have overdrawn her account -XXXX We have called numerous times, we have gone to the branch numerous of times and have only been told the account is under investigation and there is NOTHING we can do but to sit and wait. Well bills don't wait, and this has caused my Grandma to get a lien on her home, and to be evicted from the group home she is staying in, which is almost making her homeless, did I mention she is XXXX years old? This has harmed her health, because she is completely frightened by this. She gets her social security deposited in her savings account, which is her income and they have not let her access it. I have even brought in bills proving she is behind and if they would just allow her to directly pay her bills, but no, nothing. 
This is a nightmare, and Bank Of America has done this to numerous of customers and I don't believe this ethical, nor legal. I believe everyone has a right to at least know, what is going on with their own money.
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is not mine XXXX XXXX XX/XX/
Product: Student loan

My loans are with Mohela. Just recently Ive opted to go into repayment. The first payment amount was XXXX and some odd dollars which was unaffordable. The next payment amount was XXXX and some odd dollars which was also unaffordable. I signed up for the XXXX program and was told my payment would be {$210.00} monthly. I was also informed that once I make my first payment that my account would be adjusted and recalculated to reflect being current. I made the first payment on XXXX and the XXXX is still reflecting on my account causing my account to be delinquent. Ive spoken called messaged mohela several times about this and Im being told it will be fixed or Im being offered forbearance. Im four payments away from the bulk of my loans being forgiven so forbearance is not an option. Mohela is purposefully making this difficult to resolve making people to believe theyre really doing this on purpose. I just want my account brought current so that it doesnt go into collections. Please help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulently opened in my name. I have sent numerous letters providing proof that the accounts are indeed fraudulent. The bureaus have failed to accurately provide proof of a legitimate investigation as well as any documents with my signature or identification. The bureaus have also failed to report accurate information on my mortgage account which forced me to pay off early due to the incorrect pay statuses reporting as late when I have never paid late on account XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage and escrow with Ditech. I received an annual escrow analysis dated XX/XX/XXXX that states only 1 of 2 county tax bills had been paid in XXXX. 

On XX/XX/XXXX, I both called and wrote an email to Ditech asking for clarification on the missing XX/XX/XXXX payment. 

Today, I received a letter from Ditech stating " all taxes are paid current and there are no prior year delinquencies '' without any verification or further explanation. Another copy of the XX/XX/XXXX escrow analysis was included which clearly states only 1 of 2 tax payments was made in XXXX. 

My county tax department shows I still have an amount due from XXXX. 

I have wasted too much time on this issue to deal with Ditech 's incompetence in researching their mistake. I will be cancelling my escrow with Ditech and file complaints against them as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( 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 XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital One Bank continues to violate my consumer rights by reporting a delinquency on my XXXX credit report as a charge off. I never consented to a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with XXXX.
Product: Debt collection

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 XXXX XXXXXXXX, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$170.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX  Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$680.00} has violated my rights. Account name : # XXXX XXXX XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$560.00} has violated my rights. Account name : # I C SYSTEMS, Account NUMBER # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX : {$380.00} has violated my rights. Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1500.00} has violated my rights Account name : # XXXX Account NUMBER # XXXX, ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$1200.00} 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 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 do not know what the debt is- this is not my debt. disputed and was removed from Equifax report. please remove from my other reports.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX XXXX loan ( Account # XXXX  ) on my credit report based on the following legal grounds. I am requesting the immediate removal of this account due to significant inaccuracies and violations of federal consumer protection laws, as outlined below. 
XXXX. Violation of FCRA Accuracy Requirements 15 USC 1681e ( b ) Under 15 USC 1681e ( b ), XXXX is required to maintain the accuracy of the information included in my credit report. The past-due balance for the XXXX XXXX XXXX XXXX is inconsistent between your report and XXXX report. 
XXXX reports a past-due balance of {$16000.00}, while TransUnion reports {$16000.00}. 
This discrepancy demonstrates that the information is inaccurate and unverifiable, and therefore, it must be corrected or deleted. 
XXXX. Improper Charge-Off Reporting Misleading and Unfair The account is listed as a charge-off, which represents canceled debt as defined under IRS Code Section 6050P .

Canceled debt is treated as taxable income, typically reported on a Form 1099-C. If XXXX XXXX XXXX has charged off this debt, it can not be legally reported as an outstanding balance. 
Reporting the account in this manner violates the FCRAs accuracy and fairness standards under 15 USC 1681s-2 ( b ), which require furnishers to ensure reported data is neither misleading nor incorrect.

4. Failure to Provide Opt-Out Rights 15 USC 6802 ( GLBA ) Under 15 USC 6802 ( Gramm-Leach-Bliley Act ), XXXX XXXX XXXX was legally required to : Notify me of their intention to share my personal financial information with third parties. 
Provide a clear and conspicuous opportunity for me to opt out of such information sharing. 
To date, I have received no such notice. As this reporting is unauthorized, it must be removed from my credit report immediately. 

Requested Resolution I am requesting the following actions : Immediate Removal of the Account : Due to inaccuracies, unverifiability, and legal violations.

Proof of Verification ( if the account is not removed ) : Provide detailed documentation reconciling the balance discrepancy across bureaus.

Submit evidence that no tax cancellation ( Form 1099-C ) has occurred for this debt.

Provide a record of my opt-out notice under the Gramm-Leach-Bliley Act.

Failure to comply with these requests will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Legal Summary of Violations 15 USC 1681e ( b ) : Reporting of inaccurate past-due balances.

15 USC 1681i ( a ) ( 5 ) : Inability to verify disputed information within the legally mandated 30-day window.

15 USC 1681s-2 ( b ) : Misleading charge-off reporting.

15 USC 6802 ( GLBA ) : Failure to provide opt-out notifications.

Thank you for your immediate attention to this matter. I expect your response and resolution within the 30-day statutory window, as required by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF EDXXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

Disputed XXXX 's account because it was paid in full but Equifax was still reporting a balance. When I disputed I sent a copy of the receipt and letter stating that the account was paid in full. When the results of the investigation came back, Equifax stated that the information was verified. I contacted the creditor and was informed that the balance was {$0.00} and was reported as such. The account was paid in XX/XX/XXXX but is still showing a balance as on today XXXX XXXX and was disputed on XX/XX/XXXX with results on XX/XX/XXXX. I feel that the information should be deleted since it has been well over 30 days and creditor has stated that account balance is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There were three credit cards opened under my name that I did not open. The three are Baraclay, XXXX XXXX, and XXXX. XXXX XXXX is refusing to remove the closed accounts from my report despite them being fraudulent.
Product: Money transfer, virtual currency, or money service

I am writing too 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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund 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: Debt collection

Call Experian XX/XX/XXXX about the matter but nothing happen with anything I ask them to dispute for me so it was improperly investigated I did it in XXXX with you all also nothing came of it was certified they said but improperly was done with investigation their is also charge off and accounts I need an 1099 c from all creditors onmy account.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> You responded saying i need to call to have them verify my info but ive do so several times and they say the system cannnot Generate the security questions. ive also sent those documents in as requested before to verify my identity. My address was changed my a Transunion associate over the phone after accessing my account so that person should have notated that they verified me, and took the info from me before all these issues arise. To add injury to insult im currently on hold for XXXX mins again trying to get this rectified but still system cant generate security questions This really needs to be fixed
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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
Product: Checking or savings account

Capital one bank. Early deposit not deposited on XX/XX/XXXX. It is now XX/XX/XXXX and my direct deposit still not deposited into my account and now capital one is blocking me from actually logging into my accounts at all saying I have reached the maximum amount of verification codes in XXXX hours even though I have had no bad password attempts and my Face ID was accepted at login. It has been XXXX hours without access to my money and I am literally stuck with no funds
Product: Student loan

I never received any communication regarding when payments were to begin, that payments were to not be made in XXXX, XXXX or XXXX of 2023. I have requested numerous times someone to speak with about consolidation or restructuring my loans to a lower interest rate. I have never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them. 

My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX and Transunion to reinvestigate this accounts Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was stated everything was complete and accurate. How is this the case? 

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

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

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 the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case