23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing are in violation of HAMP Rules found in Hanbook 5.1, dated XX/XX/XXXX. Section 3.1 of the HAMP Handbook clearly reflects that a a servicer must not refer or conduct a scheduled foreclosure sale " until '' the borrower has been evaluated. Thus, in the event the request is denied, servicer must allowed additional ( 30 ) days to appeal such decision. While on review the servicer contacted their legal representative to re-schedule a sale date. See attached motion to reschedule sale date by the plaintiff on XX/XX/XXXX, while in review for a Federal program Tarp. The Consumer Financial protection Bureau is fully aware that Tarp- is the " centerpiece of the [ Emergency Economic Stabilization ] Act [ of 2008, ] '' bestowing a host of " duties and powers '' upon the secretary of the treasury for the purpose of facilitating economic recovery. XXXX v XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ( Cir. XXXX ). Hamp is one component of tarp focused specifically on protecting home ownership. See 12 U.S.C. 5219a. Florida Banking are govern by the Minnesota 's statutes of fraud. Servicer has failed to abide by the State and Federal Rules pertaining to the Loss Mitigation option, and Tarp program created to " protect '' home " ownership ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 40 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 40 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is a Account that is being reportered as a Charge card for XXXX and Revolving for Equifax while not being reported at all for XXXX, and is ruining my credit, This account is also not accurate in being reported across all 3 credit bureas, This account is being shown as having XXXX late payments on XXXX, XXXX, and XX/XX/2023 on XXXX while not having any late payments according to Equifax, Balance was last updated on XXXX XXXX for XXXX and XXXX XXXX for Equifax, Past due amount according to XXXX is {$15.00} while according to Equifax it is {$5.00}, This account is extremly innacurate, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. 

XXXX XXXX for XXXX, XXXX XXXX XXXX for Equifax, XXXX for XXXX is the same account being reported extremly inaccurately, For both XXXX and Equifax the account number is being reported as " XXXX '' While for XXXX it is being reported as " XXXX '', For XXXX there is no balance displayed while for both Equifax and XXXX it is being reported as {$0.00} balance and 100 % being paid off, For XXXX the account type is displayed as " Secured Loan '' while for both Equifax and XXXX it is being displayed as an Installment account. There is no balance update date for XXXX while for Equifax it is being reported as last updated on XX/XX/2023, And as for XXXX balance updated last XX/XX/2023, For XXXX there is a late payment on XXXX, XXXX, and a XXXX  on XXXX of 2023, For Equifax there is XXXX late payments being reportedon XXXX, and XXXX of XXXX, for XXXX there is XXXX late payments being reported on XXXX of XXXX  and XXXX of XXXX, This account is extremly innacurate, The Contact info displayed on the XXXX report is different than both Equifax and XXXX This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. They responding saying they do not have this information, and is still will not removing the inquiry. This company is NOT being complaint with the FCRA. This is a violation.
Product: Credit reporting or other personal consumer reports

Good Morning An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. Name and contact information of the original creditor, if this account was transferred or purchased. Any other documentation verifying the account is, in fact, mine. If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. Thank you so much for your time.

see attached document
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concern regarding zelle 's handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform ". Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they told me that recovering lost funds was impossible and that tracking these transactions were unfeasible.the cfpb 's finding indicates that zelle has not only neglected to protect customers but has also allowed repeat offenders exploited the system. leaving us users vulnerable to scam.this lack of accountability and transparency is unacceptable and raises serious concerns about customers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX TRUIST BANK 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 US DEPTARMENT OF ED 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Debt collection

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXXNTERSTATE COMMERCE OR THE MALES IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEETHAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX  XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Product: Credit reporting

I have paid this account in full and it is still hindering my credit score.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from experience people fax, and XXXX XXXX immediately. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) Section 611. It is illegal to report inaccurate information on my credit report. Please remove this item from my credit report.
Product: Payday loan, title loan, or personal loan

I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.
Product: Credit reporting

My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.
Product: Credit reporting

An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months.
Product: Debt collection

Company previously responded to this issue via complaint id # XXXX but has still failed to take action based on the response provided. Since receiving the response that the information would be received from my credit files I pulled an updated version of my credit report today, XXXX/XXXX/17, and the account is now showing as account information disputed instead of being deleted from my credit reports.
HP Sears at this point has not only failed to provide validation per 15 USC 1692g Sec. 809 ( b ) of the FDCPA that this account belongs to me but they are also now setting false pretenses by claiming that information will be removed and they still take no action to remedy the situation. This action could possibly constitute fraud under both federal and state laws. Due to that fact, if the negative reporting continues on any of my credit reports by HP Sears my next step will be to review what legal actions can be taken in regards to this direct Violation of the Fair Debt Collection Practices Act.
I have attached files that show the previous response received from the company in regards to this negative account. I have also attached the updated credit report I pulled today that does n't reflect the account being deleted from the report it now shows the same negative account information with a comment added stating that the account is disputed.
Product: Debt collection

I have repeatedly asked this company to stop contacting me via email and they have continued to contact and harass me. I have stated the law which is accurate and current and they have decided to go back in forth via email. They are in direct violation of 15 USC 1692 c ( c ). which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except. THIS IS NOT MY ACCOUNT. They placed an account on my credit bureaus in a state I do not live in. I have forwarded all information over to my attorney. This is for tracking purposes due to the harassment National RecoveryXXXX XXXX XXXX
Product: Checking or savings account

Bank of America set up a student checking account for my son with me, his father, also on the account. For some reason they have an overdraft mechanism on the account that if he goes over or negative, the charge goes through and he gets hit with a {$35.00} overdraft fee, which recently happened. 

So I asked if the {$35.00} could be reversed for it is a student account but they said its not a student account, it is a UGTMA, so they didn't reverse the {$35.00} charge. This is not what we set up - we thought it was a student account.. And they can't delete the overdraft mechanism. 

So it's just an account that will collect fees from a student. Kind of ridiculous. Thx
Product: Mortgage

My prior complaint # XXXX has yielded no results even though billions of homeowners continue ( like myself ) to be victimized by Bank of America. I am requesting information as to who is the legal owner of my mortgage? Also what securitization of trust information is connected to this loan. Complaint # XXXX. Neither I nor my attorney XXXX was offered a loan modification even when we requested one. Also the reason for denying my loan modification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to place a fraud alert on my credit files that indicates anyone who runs my credit needs to call me prior to doing so and I do not recognize the inquiries on my credit reports. This also violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission. These inquiries are harming my credit file and holding me back from my path to purchase a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

A-L Financial Corp keep re-aging the Charged Off date as well as change my positive payment history, in which, is illegal. I received a Charged Off XX/XX/XXXX with the explanation that Consumer ( I ) is not able to be located ( I still live in the same location and A-L Financial Corp was aware of this ). I contacted A-L Financial Corp to informed them of their inaccuracies and to go to court if needed. I also contacted XXXX Bureau to correct the inaccuracies. The account is closed but I received another Charged Off from A-L Financial Corp in XXXX for the same closed account. I had two charged off for the same account. A-L Financial served me to go to court. I went to each court appearance to correct all matters so I can pay the remaining balance on the closed account as well as A-L Financial Corp needed to remove the double Charged Off from my closed account and correct the inaccuracies. 

Although my A-L Financial Corp account been closed with the original Charged Off date of XX/XX/XXXX, I paid my closed account in full. I received a stamped certificate from the court that the XX/XX/XXXX XXXX XXXX closed account is paid in full as well as my title for my vehicle. Yet, A-L Financial reported to the XXXX Bureau to place a Charged Off on my credit report on XX/XX/XXXX and deleted the XX/XX/XXXX original Charged Off. 

Preventing a debt from disappearing is illegal and result in a defamation of character. Re-aging a debt for this reason is a FCRA violation. Violations of this provision may result in civil penalties of {$2500.00} per violation. 

I still keep my credit reports. The terminology of the credit reports shows abbreviation for Charged off is ( CO ) and Collections ( C ).
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 {$29000.00} XXXX XXXX XXXX XXXX XXXX- {$500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions View full complaint
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues that they have been aware of since XX/XX/year>, however they have only sent a formal notification ( via email ) to their customers regarding the matter on the evening of XX/XX/year> ( it was sent at approximately XXXX XXXX on XX/XX/year> on my email ). In this email, they have mentioned that the technical problems are expected to be resolved by the morning of XX/XX/year>. However, upon checking my checking account on XX/XX/year> at XXXX EST ( XXXX XXXX, the issue still remains and my direct deposit from my employer has still not been received by me. I have tried directly contacting Capital One multiple times, but they have yet to respond to my calls, or provide me any updates regarding the situation. This may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received two transfers to my paypal account. One was for the amount of {$4300.00}, and the other was for the amount of {$8400.00}. The total amount deposited was {$12.00}, XXXX. This money was for the retroactive payment of my unemployment benefits that I have been desperately awaiting to support myself and my family. On the same day I initiated contact with PayPal and was sent to the message center at paypal for my only point of contact. I have been speaking with PayPal agent via the message center on a daily basis during which time they have requested me to transmit various pieces of information to verify my identity such as bank statements from the two credit cards attached to my PayPal account, a copy of my CT driver 's license, and verification of where such large deposits came from ( my unemployment document ). Now after one week of playing this back and forth game with them, today they messaged me to inform me that they will now send all of my information on to their " back-end '' agents and that they will email me their " decision '' within 72 hours. This is absolutely unacceptable. These funds were issued by the government to me because I am in need of them, and I have already waited many months to receive them. Now paypal is forcing me to wait even longer to access my funds when I have complied with all of their demands. I would like to file a complaint against PayPal for this reason. I have attached a copy of my unemployment payout/ benefits description so that you could see that it matches the total amounts that were deposited into my account on the date of XX/XX/2020
Product: Debt collection

Sent a letter to I C systems letting them know that I have never had a contract with this debt collector and to please remove off my credit report but yet its still on my report. I asked for proof that it was mine and it was never received.
Product: Debt collection

Lvnv funding continues to report an alleged collection account on my credit report. I have no knowledge of this account and I have never had any account with LVNV. This company has failed to verify this debt as they have no signed agreement about any debt from me. I would like a forward flow agreement from this company showing that I owe them anything.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.