23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am reaching out regarding a late payment that has been reported on my credit file in error due to a technical issue. This mistake has significantly impacted my credit score and is now preventing me from moving forward in my financial and personal life. I have already attempted to resolve this directly with my mortgage company, but they have refused to assist in correcting the issue, leaving me with no choice but to escalate my complaint. The late payment in question was caused by an unexpected technical error with my automated payment system, which I had relied on to ensure all my payments were processed correctly and on time. I had autopay set up, and my account had sufficient funds to cover the payment. However, due to a processing glitch, the payment was either delayed or not transmitted properly. I was completely unaware of the issue until I noticed a negative impact on my credit report. As soon as I became aware of the late mark, I contacted my mortgage servicer to understand what had happened. Unfortunately, after multiple conversations and attempts to provide supporting documentation, they refused to make any adjustments, despite acknowledging that the error was not due to negligence on my part. I even submitted evidence showing that I had never missed a payment before and that my account was in good standing before this isolated incident. I have exhausted all reasonable efforts to have this resolved directly with the creditor, and this complaint is my last attempt before pursuing legal action, as this has now placed an unnecessary burden on my ability to secure loans, housing, and other essential financial opportunities. Given the circumstances, I request that the late payment be removed immediately, as it is an unfair blemish on my otherwise responsible payment history. I would appreciate a resolution within the next few days to avoid further escalation. I look forward to your prompt assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. XXXX  and TransUnion said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting
Product: Money transfer, virtual currency, or money service

As a user of the Zelle money transfer service, there have been several reported incidents where funds were erroneously sent to the wrong recipients. This situation has often led to the inability to recover the lost funds. The errors typically arise from incorrect entry of either email addresses or phone numbers during the transaction process, which is a common point of user error. 
A critical concern is the lack of adequate disclosures and confirmations provided by Zelle at the time of these transactions. Users do not receive any notification or confirmation that verifies the identity of the intended recipient, which could potentially mitigate errors before the transaction is completed. This absence of clarity creates a significant risk for users who may unwittingly send money to unintended parties. 
Moreover, Zelle does not offer clear instructions or mechanisms for users to recover funds sent to the wrong recipient. Once a transaction is completed, the platform does not provide recourse options, which leaves users without any means of remedy or support for disputes associated with misdirected transactions. This gap in service raises substantial concerns about XXXX XXXX responsibility to its users and the protective measures available in instances of financial loss due to erroneous transactions. 
Overall, these issues highlight a potential deficiency in XXXX XXXX operational safeguards and customer protection policies, calling into question the reliability and accountability of the service for users engaging in electronic money transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5800.00}
Product: Payday loan, title loan, personal loan, or advance loan

This company has a very deceptive online interface. The payments must be made within a specific window or it will default you to a non-payment status. Even if you make a payment after the fact it does not apply to the missing payment. However, this is not clear on the online dashboard and the information available on the online dashboard is misleading. It appears as if when you make the payment of the balance due then you are caught up when in fact you are not caught up. Any additional payments you are making forward are not being applied as you think they are because you can not see the same thing that the company is tracking from the dashboard. 

When I asked for a detailed itemized statement to show exactly what payments were received and how they were applied they sent an itemized statement of payments received but NOT HOW they were applied. I was reported to the credit bureau for being 30 days past due ( at 50 days by their count ) because an XX/XX/2023 payment was missed. But on the dashboard I paid two months balances twice and according to the dashboard that was what was due and that brought me current as far as I could tell from the dashboard. I additionally paid extra buffer payments. Yet none of this brought me current. This is very deceptive and I believe it is intentionally deceptive. There were late fees and other fees mentioned to me in the phone conversation, which were also given as additional reasons for why my balance was not dropping and why my payment was still behind when I thought it was current. I do not see any of those on the itemized statement that was provided. I do not trust that this company operates in good faith. This feels like a corrupt practice to intentionally keep your loan principal from reducing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my name was attached and associated with 3 consumer reporting agencies, XXXX XXXX, XXXX XXXX, and certegy. I have called certegy they have a check in the amount of XXXX that was wrote on XX/XX/2014, associated with my ID found this out while I went to XXXX to cash a check as I have been doing many years they cant verify an address on file NONE of the addresses i have given them is tied to me, I called early warnings they gave a bank account that was opened in 2014 with XXXX XXXX, I wasnt even in XXXX yet, I disputed this issue with them and they are saying its accurate and its not, I want my signature to be verified, and what ID and address was used, the same for XXXX XXXX its so frustrating all of a sudden I cant cash checks at XXXX or XXXX due to fraudulent accounts Ive never wrote a check in my life and Ive NEVER had a XXXX XXXX account. I want this removed from my name, how is it even possible I got 2 different fraudulent items in 2 different cities I can ONLY be at one place at ONE time! I just want them to detach these accounts from reporting against me because they are NOT mines and I do not write checks let alone shop at XXXX and never have I ever been declined to cash a check until recently. I want this fixed, its a negative on me and I do not like it especially since these accounts have nothing to do with me.
Product: Mortgage

On XX/XX/XXXX a foreclosure complaint was filed against me. On XX/XX/XXXX, I filed a counterclaim against the Plaintiff. On XX/XX/XXXX, I submitted a request for a loan modification request to Ocwen, the current servicer for my loan. On XX/XX/XXXX, Ocwen acknowledged it received my request and on XX/XX/XXXX, Ocwen asked for some additional documents. There were a few more requests, and on XX/XX/XXXX I was approved for a modification. On XX/XX/XXXX, the lawyer for Ocwen sent me a letter discussing a settlement agreement would be drafted if I liked the modification. XXXX XXXX, Ocwen 's lawyer then told me that I had to dismiss my counterclaim with prejudice in order to get the modification. I then filed a motion to dismiss my counterclaim which was granted. However, Ocwen 's lawyer refused to dismiss the foreclosure complaint and said they were going to proceed with litigation and the case was continued to XX/XX/XXXX. On XX/XX/XXXX, I did receive my final signed loan modification, but the foreclosure complaint is still pending. I read in the CFPB settlement that a bank can not make me dismiss my counterclaim as a result of a modification. I had to go through underwriting, and I was eligible for a medication. I dismissed my counterclaim for fear I would lose the home my mother built.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw an account reporting that is inaccurate due to fraud. I should NOT have any negative account ( s ) reporting under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/18 this company was contacted in regards to a late payment that was never late ( paid through a lawyer directly ) in regards to a different account and when XXXX XXXX calls back he states I owe a debt from 8 years ago. He then accesses my credit report without my permission on something I have A ) Have no record of B ) Did not admit to owing the debt and C ) Is from 8 years ago which is past the statute of limitations to sue and can not be placed on a credit report. He then became EXTREMELY ABRASIVE and nasty and asked me " Am I refusing to pay this debt '' among other things. I then hung up. This company has 21 complaints as of today in regards to their practices, tactics and customer service on the XXXX  website. Link is below. 

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

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 ) ( C1 ). 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: Mortgage

I was betrayed and blindsided by Mr. Cooper. This shouldn't be surprising as they have had years of shadiness and unscrupulous dealings with me. Mr. Cooper and I had seemingly, finally started an open dialogue after all these years. I was applying for government financial help to save my home. Mr. Cooper was directing me on what forms and documents I needed. I had turned in everything that was asked of me as it was asked of me. Out of nowhere I see that my home is up for a foreclosure sale once again. I never heard a decision on financial aid and never missed turning in a required item. They apparently weren't really working with me at all but were just buying time to sell my house again. I am devastated. I finally had hope. Also, it seems like a conflict of interest that I am applying for " government aid '' but Mr. Cooper was the only ones handling the forms and deciding the outcome. My contacts at Mr. Cooper were XXXX XXXX and XXXX XXXX. I actually believed they were trustworthy.
Product: Credit reporting or other personal consumer reports

In accordance with 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 name : XXXX XXXX XXXX, Account number : XXXX, Date opened XXXX XXXX, XXXX. 
XXXX name XXXX XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
XXXX name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXX Inquired XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

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

15 U.S.C 1681 section 604A 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX 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

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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.
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 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 Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account Number : # # # # # # XXXX, Account Name : XXXX  XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : 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 can not furnish an account without my written instruction 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, credit repair services, or other personal consumer reports

I attended XXXX university  school around XXXX. When i attended i used my XXXX XXXX XXXX to pay for school. However the school mislead me by telling me to take out a student loan so i could start school and in return my XXXX  would cover the cost as it should. I stopped attending because of a few issues. 1 this was during the pandemic and 1 class was canceled and 2 the scheduling of the class was wrong. I also apparently had a previous balance from attending XXXX college which now is XXXX university, I attended them back in XXXX for 1 month. Now from what i understand is when i started in XXXX, XXXX university  took my old balance and added it to a new student loan which i never consented to that. In total i owe {$7100.00} to which it states on my credit reports, the issue I have is that i already pay a debt to the US Dept of veterans affairs for the same amount because they paid the school as well as I was scammed into attending with no knowledge of an old balance. I strongly believe that I was taken advantage of due to me being a XXXX XXXX XXXX veteran. I have asked all 3 credit reporting agency 's to investigate as well as remove this fraudulent account on my reports. I have also reached out to XXXX and asked them to remove this and stop trying to collect on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.
Product: Mortgage

Due to statewide shutdowns, the closing of my place of business, continuous business suspensions, and my illness, I was tremendously affected by the XXXX Pandemic, and I fell behind on my mortgage. I was offered a forbearance, which I thought would help with restoring my past due amount. Consequently, Fay Servicing told me that I had to pay all of my arrearages in order to stay in my home and I did not have it. 

So Fay Servicing forced me into an arrangement where I had/have to pay upfront {$50000.00}. in XXXX, ( PAID ) {$50000.00}. XXXX ( PAID ) {$54000.00} XXXX The foreclosure sales date has been scheduled for XX/XX/, even though all of my payments have been made on time. 

8 times I applied for a Loan Modification, and Fay Servicing kept saying they never received an entire packet, which they had. I kept submitting documents up until they placed a foreclosure notice on my door. 

I filed for assistance with the Maryland Homeowners Assistance fund, Fay Servicing told MHAF that they don't participate in the program and that I was not eligible for a Loan Modification. and they also denied funds from MHAF. After my file was closed with MHAF, ( and the funds were denied ) Fay Servicing did offer me a Loan Modification. 
So egregious. 

TERMS Interest-only vs Fixed Conventional FHA {$400000.00} balloon payment vs No balloon XXXX years vs XXXX year remaining Payments increased by {$170000.00} more per month {$5700.00}. vs {$4000.00} Interest rate XXXX % vs XXXX % Fay Servicing filed for a sales date while my application was being reviewed with MHAF. In addition, Fay Servicing would not speak with me about my accounts for months leading up to scheduling a sales date. I was trying to work out something, but they weren't offering me any options but to foreclose, and take my home. 

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

XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX Way XXXX Silver XXXX Md XXXX XXXX XXXX Ct XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX