23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Previous Home mortgage Company " XXXX XXXX '' sold my loan to PHH Mortgage in XX/XX/XXXX without my consent or any Communication / Notification and XXXX Mortgage was also failed to notify me till XX/XX/XXXX and my Auto payments were auto paid to my XXXXXXXX  till XX/XX/XXXX as my payment of XXXX bounced back to my account I came to know that my loan was sold to PHH Mortgage ( Loan # XXXX ) Upon the confirmation from XXXX XXXX i contacted Phh Mortgage and paid Additional {$13000.00} to bring my account upto date and on XX/XX/XXXX additional {$2800.00} as per my conversation with PHH Mortgage representative all was good and they will fix the Credit report not showing the late payments also refund my late fees Till today and repitive calls to PHH mortgage XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ID XXXX and XXXX ID XXXX ) no progress neither my late fees are return or neither my Credit report was fixed every time i get runaround even on XX/XX/XXXX XXXX EST i was talking XXXX ID XXXX she hang-up my call, I am trying to refinance my house XXXX because of them my credit from XXXX score went to XXXX which is costing me additional 0.75 % higher rate ( XXXX ) in long run it will cost me XXXX it look like loan transfer to PHH and PHH to contacting is totally Illegal till today they did not provide me any evidence showing that i received any communication from them till XX/XX/XXXX and as promised fees are not returned and credit reporting is not properly done. I need some one to rectify the situation ASAP Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX  Product/Service : Mortgage Model # : None Provided Account # : Loan # XXXX Order # : Loan # XXXX Purchase Price : XXXX Payment : Deposit ACH Debit Disputed Amount : XXXX As you can see from attached latter from PHH after requesting somany times since XX/XX/XXXX finally they send me some communication but failure to provide any communication which was done before XX/XX/XXXX XXXX also as you can see i never been delayed my payments in my mortgage since XXXX till today this is only case were i was not aware of my mortgage loan was sold to different company without my knowledge and payments were made to my old mortgage company XXXX XXXX and i was panelized for no reason and fowl played by both the mortgage companies.
Product: Checking or savings account

My father has an account with the NC State Employees Credit Union. My brother was on the account as power of attorney. After my father passed on XXXX XXXX the credit union allowed withdrawals until XXXX. I became the executor of my father 's on XXXX XXXX the same day i came into the credit and asked why these withdrawals were allowed and what were they going to do about it. I was told they would have to look into it. After no response i also sent an email. After months i was told since i did not question this with in sixty days. there was nothing they would do.
Product: Credit reporting or other personal consumer reports

I am asking for your help regarding an inaccurate account that is listed on my credit report. This concern impacts my reputation as a customer, so I need your support to address it. I want these inaccurately reported accounts removed because they have a negative effect.
Product: Mortgage

I have owned my home for nearly 25 years and am facing a foreclosure sale due to a non responsive lender, Fay Servicing. I have tried repeatedly the last couple of years to resolve my mortgage delinquency with Fay, but my requests for help have been ignored, reviews have not been opened, they have sent people out to shake me down -- one time they actually had a company come and break into my home and shut off the power and disconnect the utilities!! They have done everything except what they are supposed to do, which is WORK WITH ME! I make a good living, I am a self employed entrepreneur and never had any issues making my payments until I had major problems due to XXXX. I was in and out of the hospital and literally missed a full year of work. On top of that the medical bills were devastating and I fell behind on all of my payments. 

I wanted to save my home and since I had a XXXX loan I believed that my lender would work with me. I began the process of review for a modification but before the review could be completed my loan was transferred to another company. I began the process again and submitted the necessary documentation for review and was starting to get traction when once again my loan was transferred to another company ( Fay Servicing ). This was beyond frustrating as the delinquent amount continued to grow. Fay Servicing told me they would not work with me and that I needed to pay the full past due amount to them or I was going into foreclosure. I am not in a position to reinstate the loan, but I do make a good living and I have been told there are multiple programs available for struggling homeowners through XXXX program, yet Fay Servicing has never ONCE reviewed me for any of these programs or given me the opportunity to be considered for help. Fay Servicing was also the recipient of {$70.00} XXXX dollars in bailout funds and I thought they were required to consider me for the government modification programs. I have tried multiple times to resolve this matter and work towards a solution, but feel that I have been obstructed at every turn. I am asking for the actual opportunity to be reviewed for all programs so that I can save my home.
Product: Debt collection

I pulled my credit reports back in XX/XX/2021, I noticed 2 collections on there and sent a validation letter to both the provider and the collection agency, this process has been going on since XXXX. In trying to deal with this matter I talked to my insurance company which they never received an itemized bill detailing correct XXXX codes XXXX or procedure description They also informed me that the provider office failed to submit a correct itemized bill within the 90-day submittal time frame that it is against their contract to bill the patient. Not to mention, the collection agency is unlawful re-aging both of these accounts every month. 

Ive attached documentation of what Ive sent the provider as well as the collection agency, and Not only do I not hear back from either of them, but it is still reporting on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact each creditor and credit bureaus with NO results I am a victim of 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 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
Product: Credit reporting or other personal consumer reports

I have had trouble with accounts on my experian credit report that were inaccurate and doesnt belong to me. Theres been loan accounts phone bills put in my name unknowingly several times. Ive tried disputing those accounts and even calling experian customer service but no luck on removing those items that doesnt belong to me. I think someone using my information and and adding fraudulent reports in my name. Its sad that I now have to face these consequences of my credit. Due to fraud and experian being no help!
Product: Credit reporting

I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx
Product: Debt collection

I am a victim of identity theft, my credit reports XXXX, XXXX, and XXXX is showing a Fraud account from Nation Credit Systems Collection account with apartment  XXXX XXXXXXXX. Someone rented an apartment under my name and now it's showing Delinquent collection account in the amount of {$4500.00}. 
Please help me remove this off my credit report, and help save my name and credit. Thank you. 

I found this on my credit report - Collections Account not mine Nation Credit Systems XXXX XXXX XXXXXXXX XXXX  Account # XXXX Date Opened XX/XX/2022 Amount owed {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Subject : Dispute of Alleged Debt and Request for *****Validation *** AND*** Verification***** I am writing about Sentry Credit Inc , a debt collection agency, regarding an alleged debt purportedly owed to XXXX XXXX, in the amount of {$13000.00}. The purpose of this letter is to articulate a formal dispute and request for validation and verification of the alleged debt in compliance with federally mandated processes. # # # # Dispute Details 1. **Formal Dispute** : The alleged debt was previously disputed. However, despite this, the dispute was ignored. 2. **Request for Validation and Verification**.
Product: Credit reporting or other personal consumer reports

They repeatedly failed to update and correct my name and address and remove all incorrect information even after me filling disputes on both XX/XX/2023 and XX/XX/2023. 

Then I call Experian on XX/XX/2023 and explained to the agent that they keep maintaining incorrect information names and addresses on my credit report and failing to correct it ; the agent told me we wasn't going to correct it and that there was nothing I could do about it. I became very upset, then decided to for my own health to leave it alone for then. 

Experian 's failure and refusal to correct my credit report have caused and perpetually continue to cause damage to my credit./credit score.
Product: Debt collection

I received an letter than I had to pay {$1700.00} by XX/XX/2020 and if not my Drivers license would be suspended, reason being XXXX Forwarded my account to Sentry Credit collections.. I have a receipt from Sentry credit collections that shows That I did take care of that debt, listing receipt of payment in full, with XXXX balance owed, From Sentry Credit collections on XX/XX/2020 payment in full had been made and no debt was owed as of that date ( XX/XX/2020 ) .. Sentry Credit collections Subsequently failed to notify XXXX county courts and my license was suspended improperly.. I fulfilled my end of agreement by paying in full and Sentry Credit collections failed to uphold their end of the agreement, and in fact as of now has still failed to report no debt owed. Failure to report No debt is owed, has now caused myself big problems. This failure to report no debt is owed Now Has caused my drivers license to be suspended without reason, subsequently I now received a XXXX XXXX XXXX when in fact my license should have never been suspended due to no debt is owed ... I feel that Sentry Credit collections has caused myself damages and I believe their business practices are unethical and illegal. Sentry Credit collections has not been honest in regards to reporting that there is no debt owed and Sentry Credit collections has lied to me on three occasions reporting  to me that they have notified XXXX County Courts that the debt was paid in full before the date of suspension, when in fact as of today Sentry Credit collections have not. I should have never had my license suspended and because of Sentry credit collections negligence and improper procedures they are solely responsible for damages I am now experiencing.. I am asking that Sentry Credit collections notify XXXX County court of their mistake immediately and report no debt is owed and I should never have had my license processed for suspension, that they failed to report no debt owed.
Product: Credit reporting or other personal consumer reports

please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail
Product: Credit reporting, credit repair services, 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. 

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had Mortgage with XXXX beginning XXXX, XXXX. In XXXX and XXXX we were victims of Hurricanes XXXX and XXXX. 
Property sustained damage and were wee denied XXXX assistance due to Poor credit. I requested mortgage assistance from XXXX and was in constant communication with the Bank since Fall of XXXX. 
While XXXX failed to help us I filed official complaint against XXXX and right after filing said complaint my Mortgage was transferred from XXXX to XXXX XXXX in XXXX of XXXX. 
XXXX incorrectly reports late payments in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. 
I had submitted XXXX XXXX XXXX  Statenemts reflecting records that payments were made on time, however, XXXX still reports my payments as late. 
Not only that, but XXXX XXXX  company reports late payments in XXXX of XXXX. I simply couldn't have two mortgage providers for same property at the same time, but XXXX insisted on reporting late payments despite the fact that they were provided bank statements reflecting timely payments...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I received a {$100.00} Amex gift card. I have used it 3 times for the amounts of : {$39.00} on XX/XX/2023 {$15.00} on XX/XX/2023 {$26.00} on XX/XX/2023 This leaves {$18.00} on the card that I have been unable to use. Amex says the card is on hold, but when I call their number there is no recourse to activate it again.
Product: Credit reporting or other personal consumer reports

I have tried to recieve a score and a report from equifax. Every time I call they explain to send them documents of My personal information to verify. I have sent this countless times to the XXXX po box address that they provided. So I notice after sending this information nothing has changed. I have called again and asked what is wrong why am I'm not able to get a report. They said I needed to seen my personal information again. I explained I have sent this. And they told me we got rid of the documents you sent after 60 days. So I am not going to keep sending my same documents and not getting anywhere.
Product: Money transfer, virtual currency, or money service

Today, I am filing a complaint against Cash App ( BLOCK, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I request appropriate redress for these violations.
Product: Debt collection

I have been receiving very RUDE calls from a debt collection agency called XXXX XXXX  on behalf of XXXX. XXXX. Stating that I owe an out standing bill amount for cell phones of which i do NOT have and an outstanding balance of over {$1000.00}. My name is XXXX I've explained this over and over time and again to these individual 's that keep calling me that I don't have the products in question but also I have only missouri XXXX AND XXXX. income i have been XXXX since XXXX. And this debt collection agency has been calling me since XXXX. No other icome do I have except the {$770.00} per month that is as Ive learned in the past year are both State and Federally protected. But they keep calling me even as going as far as calling me out by First name getting rude with me and saying things like what your XXXX etc etc. I just would like the debt gone and some dignity intact I am a proud Veteran of the XXXX and I dont appreciate being belittled over the phone. I was raised right and use my manners even when someone as rude as that lady said that awful stuff to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX v. TransUnion Corp. ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC  ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle failed me by demonstrating an inability to effectively manage and resolve my dispute in a fair manner. Their dispute investigation process was weak, lacking the necessary depth and thoroughness to ensure that all relevant facts were considered and that my concerns were adequately addressed. Consumer safety should be the utmost priority for any financial service provider, as it is essential for maintaining trust and protecting users from financial harm. It is imperative that Zelle takes concrete steps to strengthen its consumer safety measures and ensure that users ' concerns are heard and addressed promptly.
Product: Credit reporting or other personal consumer reports

Your company is in violation of the FCRA and XXXX Compliance And reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i )
Product: Credit reporting or other personal consumer reports

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.