23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently filed a complaint with CFPB against Celink reverse mortgage servicer ( see claim # XXXX XXXX. Celink recently mailed two insurance payment checks to me that I had been requesting for over 8 months. The payment was from two insurance claims that Celink did not cosign ( as they were supposed to do per XXXX XXXX XXXX ) and return to me ( for repairs on the house ). They just deposited the money in their account and kept it. After I filed a complaint with XXXX and CFPB, Celink mailed the two checks to me ( totaling almost {$14000.00} ... see original complaint ) and then responded to CFPB stating that they honored their commitment and they considered the case closed. However, as soon as they wrote to you, they stopped payment on my check. I deposited one of their checks for {$9600.00} on XXXX XXXX XXXX On XXXX XXXX XXXX  my bank notified me that the Celink check was returned unpaid, and now my bank has charged me a {$12.00} fee for the stopped payment check. In the meantime, Celink quickly sold my loan to another servicer, XXXX, effective XX/XX/. When I contacted Celink about the bad check their representative told me that Celink no longer has any responsibility with the loan and that I should contact XXXX for payment. When I contacted XXXX they said Celink is responsible for replacing the check ( and bank fee ) because Cellink kept my insurance claim money. Celink is in violation of California Penal Code 476a PC which forbids issuing a check intended to defraud - as Celink advised both the XXXX  and CFPB that they were issuing the check to settle my claim and then immediately stopped payment on the check. It is a felony if the check is over {$950.00}, which it is. Not only did Celink commit fraud with regard to the insurance payment, they lied about the false foreclosure they place on my property and still have not resolved that issue ( although Celink said they did ). Before Celink dumped my loan on a new servicer with thousands of money due to me, they suggested that I put everything I thought was an error in their CFPB response in a letter, with supporting documents, and mail it to a supervisor at an address they gave me. I did that and it was returned to me unopened ... Return to Sender, Forward Time Expired. I have never dealt with such a corrupt, dishonest company in my life. I want the money that they owe me and the illegal foreclosure removed. They have not resolved anything at all.
Product: Vehicle loan or lease

I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for CBNA ( Citibank ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Denial of Credit Request Under UCC 2-325 Case number : XXXX DEFAULT JUDGMENT FOR NON- PERFORMANCE Dear WELLS FARGO, I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325. 



I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions. 



I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly. 



As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the XXXX XXXX XXXX. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations. 



I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly. 



Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 



Sincerely, XXXX XXXX
Product: Debt collection

I am living in an area under a declared State of Emergency and have been since XX/XX/2018. Capital One continues to rack my debt up in the hundreds and I can not afford to pay this. I do not have a home, and the money I make goes towards normalizing my life again. I used my capital one credit card days before Hurricane Michael destroyed my home and fully intended to pay it off. Its not do-able right now. They call me every day and leave messages and they continue to rack up my late payments even after telling them Im in a state of emergency. Ive attached photos of my home and area.
Product: Prepaid card

We recently began accepting credit card payments at our business and wanted to ensure a seamless process before handling customer transactions. To do this, we tested the system using our gift cards. However, when I attempted to refund the amount, the credit card processing company, XXXX, declined the transaction. I subsequently filed a dispute with the American Express Gift Card Dispute Department. Unfortunately, the communication was challenging as the representatives I spoke with had limited English proficiency, and I am unsure if they fully understood my issue. They ultimately informed me that my claim was denied, but did not provide any explanation for the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Dispute of XXXX XXXX Account # XXXX I write to you today, XX/XX/XXXX, in response to the notifications from your agencies regarding my previously disputed account with XXXX XXXX ( Account # XXXX ). Despite my numerous disputes, the inaccuracies on this account persist, and it seems your agencies continue to inaccurately report this information even after reassessment. 

Your previous update indicated that this information was reported by the data furnisher, yet upon reviewing the alleged updates from your agencies, I note glaring discrepancies in both the reported dates of last activity and the payment history. 

Upon the conclusion of your re-investigation, my consumer report continues to be inaccurately reported across the three agencies. The dates of last activity listed vary widely : Transunion- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 

Furthermore, the payment history on the account reports differently across all agencies, as detailed below : - Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX Current, XXXX. XXXX XXXXXXXX XXXX XXXX- 30 days late, XXXX XXXX 60 days late, XXXX XXXX 90 days late. 
- XXXX : XXXX XXXX 60 days late, XXXX XXXX 90 days late, XXXX XXXX No Data, XXXX XXXX XXXX XXXX XXXX  XXXX- 60 days late, XXXX XXXX 90 days late, XXXX XXXX 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Finance Companies - non specific XXXX  XXXX Auto Financing XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX  XXXX Auto Financing XXXX Finance, personal XXXX  XXXX I Credit card and travel / entertainment companies XXXX XXXX Finance, personal XXXX XXXX All Banks XXXX XXXX  Mortgage Reporters These unauthorized inquires I've sent on XX/XX/20 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per by LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

We initiated the mortgage loan process the first week of XX/XX/XXXX with Fifth Third Bank. Based on our credit score ( XXXX & above ) for both of us, the bank offered us 4.5 % at that time. 

On XX/XX/XXXX, we were given a written letter from the bank with a locked in interest rate of 4.500 %, with an expiration date of XX/XX/XXXX. We decided to proceed with this loan and confirmed with the seller of  closing date of XX/XX/XXXX. 

Everything was going smooth until we got the CD ( closing disclosure ) from Fifth third bank on XX/XX/XXXX ( 3 days before closing ), were they changed the promised interest rate from 4.500 % to 5.25 %. This was not communicated with us verbally or in writing prior to that date and was a surprise to us. We inquired about this with the bank and did not get a satisfactory answer. The bank put us in a very difficult situation 3 days prior to our scheduled & confirmed closing. 

Being that we are first time home buyers and after investing so much money, time and effort into this loan process we could not afford to back out from this at the last minute. We had already incurred many cost and paid deposit money to seller, application fee, inspection fee, appraisal fee, and all initial expense including the insurance. 

Prior to closing date, we were told by Fifth Third Bank that we did not need to take any money to closing as we were eligible for some discount from the bank and get a refund check ( evidenced by an email sent by them to us ). This was also included in the CD ( closing disclosure ) sent out by the bank. When we reached the closing attorney 's office on closing date on XX/XX/XXXX, we were asked to pay {$1200.00} as closing charge which was never communicated to us verbally or in writing by the bank. We had no other choice and was rather in a bind and were forced to come up with the money 1 hour prior to closing time. 

At the attorney 's office, we saw that all the documents had new interest rate. The documents were pre-dated, which were not clearly addressed/informed to us until 1 hour prior to the closing. We only received the updated closing document via email one and a hour prior to the closing time. 

Also Fifth Third Bank initially told us that there was a 0.25 % discount on interest rate if we set up Fifth Third Bank checkings/savings account. Believing everything that they said- we did open the account. Unfortunately with the new rate ( which we were not aware of ), reflected a 0.25 % discount applied to it. We found that out when the attorney 's office called the bank during closing ( as we were signing documents ). 

We feel cheated and forced into closing with the rate not disclosed to us and also forced us to pay over {$1200.00} which was never communicated to us verbally or in writing until few hours before the closing. The bank was clearly taking the advantage of us being novice home buyers and exploiting our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease 8 months late, so i disputed this with XXXX saying i never paid XXXX months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payments to my Capital One account in XX/XX/XXXX through my mobile app. The XX/XX/XXXX Bill ( statement ) had a due date of XX/XX/XXXX. The Card was paid on the XX/XX/XXXX and the XX/XX/XXXX. My credit reports that XX/XX/XXXX was late. I wanted it removed by going through Capital One and disputing it. Capital One has yet to resolve this matter and its been on ongoing struggle with them. This is the only blemish on my credit holding up my VA loan approval for my families first home. 

It appears that they probably misapplied one of my payments and are having a hard time fixing it. I have a letter dated XX/XX/XXXX which stated to please allow 15 days plus another 10 for mailing? That puts us at XX/XX/XXXX max to investigate and up to 10 days to mail. Should have received this by now, and a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I am writing to you as a concerned consumer regarding certain inquiries or " hard inquiries '' on my credit reports that were not performed by me. I would like to respectfully request that steps be taken to remove these inquiries from my reports to the appropriate credit bureaus. 

As a consumer, I have the right to an accurate and truthful credit report under the Fair Credit Reporting Act ( FCRA ). This law establishes that credit bureaus must maintain accurate and up-to-date information about consumers, and must only allow legitimate inquiries on credit reports. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to protection against the collection of unfair or misleading credit information. 

I would like to stress that I did not authorize or request any of the inquiries in question. These inquiries are not representative of my credit history or my financial interactions. Since these inquiries are not legitimate and are not supported by my consent, I request that they be removed from my credit reports immediately. 

It is essential for me as a consumer to maintain a clean and accurate credit report. These unauthorized inquiries could negatively impact my ability to obtain credit in the future and may undermine my confidence in the credit system. Therefore, I urge the CFPB to take prompt and effective action to address this situation and remove these inquiries from my credit reports. 

The inquiries that I do not make and appear on my credit reports are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I thank you in advance for your attention and cooperation in this matter. I hope that the CFPB will take the necessary steps to ensure that my rights as a consumer are fulfilled, in accordance with the laws mentioned above. 

I look forward to your prompt response and satisfactory resolution. I appreciate your time and attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out numerous of times about inaccurate reporting on my consumer report. As a consumer, CapitalOne has been given me such a hard time removing late payments that were placed on my account. When I spoke to a representative, they told me that they were willing to work with me, but never did anything. Under 15 USC 1666b as a consumer, 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. Because this was not done, this is a violation and inaccurate reporting.
Product: Debt collection

XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for 3.5 years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for 12 hours a day '' I responded no I take 4 or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.
Product: Mortgage

I recently refinanced my home loan with XXXX. XXXX XXXX XXXX ( XXXX ), who I believe is a partner or subsidiary of XXXX first held my mortgage. I made the first payment to them on XX/XX/2021 as required. The mortgage was then sold to XXXX XXXX XXXX ( XXXX ) post payment on XX/XX/2021. 

XXXX is not harassing me for a late payment, threatening credit problems/reporting until payment is made. They are pressuring me to make the payment I already made to XXXX. 

XXXX is telling me I need to get my money back from XXXX, XXXX is telling me XXXX is lying to me and the money will be transfer and it takes time, etc. XXXX is insisting they have the loan, but money was never transferred. 

Both banks are leaving me in the stuck in the middle with no way to turn. XXXX insist I pay the money now. 

XXXX has said they will not report to credit within XXXX  days, but will got back and report all problems that occurred within that XXXX days. I am not sure how this is right or fair. 

Proof of payment and receipt of payment is attached. My bank statement shows the money withdrawn and the other statement is from XXXX showing it recieved.
Product: Debt collection

XX/XX/XXXX furnish my information to a third party without my consent i have request real ink of my signature on any form that allows them to share my information there in violation of my rights. Because a consumer has a right to privacy 15 U.S. Code 1681 ( a ) ( 4 ) and to preserve that privacy consumers the right to Opt Out of third-party sharing, therefore preventing financial institutions from sharing account information and history to consumer reporting agencies 15 U.S. Code 6802 ( a ) ( b ). You're absolutely right, I should provide a case specifically involving liability for reporting information prohibited under FCRA 1681a. One relevant case is : Farren v. RJM Acquisition Funding, LLC, 2005 WL 1799413 ( E.D. Pa. July 26, 2005 ) - The plaintiffs alleged that defendants violated FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing inaccurate and impermissible information. - The Court denied the defendants motion to dismiss, finding : Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. - So this case demonstrates that furnishing inaccurate or impermissible information prohibited by 1681a ( d ) ( 2 ) ( A ) ( i ) can provide grounds for liability under the FCRA. Please let me know if this helps provide a relevant case example per your request! I apologize for not citing this applicable precedent initially. The Eastern District of Pennsylvania federal court denied XXXX 's motion to dismiss the claim alleging XXXX violated FCRA 1681a by furnishing prohibited information to credit reporting agencies. In denying the motion to dismiss, the Eastern District of Pennsylvania federal court ruled : " Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. By rejecting the motion to dismiss, the Eastern District of Pennsylvania federal court allowed the 1681a claim to proceed against XXXX based on the alleged reporting of prohibited information, even if factually accurate.