23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XXXX of XXXX  I received correspondence to a prior claim stating from Bank of america they did everything they could to help me at the time with my mortgage. Nothing could be further from the truth. Firstly after sending documents pertaining to this episode of fraudulent activity to my current place of residence, I noticed that the documents did not contain the more important Deed to the property. When I inquired about the deed I was not given any answers as to why all the documents were without the Deed. Secondly, I have tried to remedy this situation multiple times and am looking for restitution as well as the CFPB to do an investigation into this matter because there inconsistencies with the different documents sent by Bank of america. Since bank of america never established ownership ( through original deed ) I feel they had no legal right to fourclose on my property. In addition to the proven facts surrounding illegal signature 's, Robo signings, and nefarious activities within the bank as well as sworn affidavits and testimony from bank employees it speaks to fraudulent behavior at all levels.
Product: Mortgage

Do to financial Hardship I fell behind on my house payments, always trying to pay something. My alleged loan, has already been sold in to the secondary market and is now morphed in to a security. This Company called DITECH is just the servicer to some unknown mortgaged backed Trust with no orders from said Trustee. The problem started when DITECH raised the monthy mortgage payment by {$360.00} in an escrow account causing an undue financial hardship on me. I am in a position now catch up pay up to bring the account current, but I can not pay the {$360.00} per month extra. I pay the property tax and insurance separately. I have faxed them a letter explaining my position and request, which they denied. This is conversion and a felony. The alleged Loan # XXXX. DITECH is not the holder in due coarse of my note and has offered no evidence they are acting on behalf of the trust that does.
Product: Payday loan, title loan, or personal loan

I borrowed {$600.00} initially from XXXX  XXXX. I paid the loan off on XX/XX/19. I owed {$400.00} at the time and paid {$470.00} and change to pay it off. It had a XXXX  balance as of that day. Now they are charging additional interest and say I owe fees for keeping the line open. I told them it was closed when I paid and didn't reborrow. There isn't a principal balance to accrue interest or fees on beyond the payoff day. They want me to give them an additional {$140.00}. They said you can pay off anytime, but are trying to collect interest and fees on a XXXX  balance. They were taking fees every other week for keeping the line open. When I paid it off there is no basis for fees or interest after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, Experian has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need Experian to provide an explanation as to why they put this back on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My credit card account with XXXX XXXX  wrongly marked 30 days late on my credit report. My minimum payment was paid and they confirmed via phone conversation and told me to dispute with credit bureaus and were to remove the late marking. Since than the card company has been transferred to XXXX different banks and is now with XXXX - GENESIS RETAIL who refuses to correct the marking. I have had my account and always pay on time since XXXX. This is the only negative item on my credit profile and I have been trying to remove for years. Genesis has not upheld the agreement the original creditor promised to correct.
Product: Credit card or prepaid card

This is a credit card I had back in  XXXX . The card was paid off in  XXXX  but shows my last month was late b y 90+ days. I was not late but rather I paid in full. I tried contacting tribute ( phone and address is now for a card " aspire card '' ) the guy tells me tribute is a closed company and he ca n't do anything about it. I want the whole account rem oved from my credit reports.
Product: Credit card or prepaid card

I closed my account with one main credit card because the credit limit is too low and they are charging me annual fee and wont refund me I disputed the account with XXXX and it was denied by one main financial this card was opened on XX/XX/2023 and I want a higher credit limit and I cant get that with one main and they are not working with me to get a credit line increase and save the annual fee
Product: Consumer Loan

I had the account for over XXXX years with timely payments until I lost my job in XXXX 2014. I made my last payment as of XXXX 2014. I had no income including no unemployment and have not made a payment on the account. I have been speaking with them each month regarding my inability to pay. I spoke to them in XXXX regarding my account status and any options to lower the payments or if I had insurance on the account. The Branch Manager stated I did not take the insurance out. I stated I was never offered any. She then replied we are aware as a company the accounts were mishandled and insurance was not being offered per policy. Due to this issue along With many other issues they cleaned house and hired new staff. I then asked was the company planning on fixing the problem and she stated no. So then I asked were there any other options to help me on the account and she stated no because the balance was so small XXXX {$1200.00} XXXX. As of today I received a call stating they had no prior notes on the account regarding any of the prior conversations I have had over the last XXXX months. They demanded I pay {$400.00} immediately and I stated I do n't start my new job until Monday XXXX and could n't make a payment until XXXX my XXXX payday. They refused to accept my offer. I requested they do not correspond with me by phone any longer due to the level of disrespect over the phone and they called XXXX more times after my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following XXXX, XXXX false accounts multiple time and they confirm it as valid however they failed to provide me with the proof after multiple certified mail requests three times
Product: Mortgage

Applied for Forebearance in XX/XX/2021- According to company it was approved although I never received formal notice. 
Contacted ShellPoint Mortgage ( mortgage holder ) XX/XX/2021 and informed them I was ready to start making payments. 
Attempted to make a partial payment and payment was rejected by the lender and money returned. Mortgage company refuses to accept any payment, They want to modify the mortgage and want to add an additional 2 percentage points to the mortgage. This is unacceptable to me, and their refusal to deal with me is illegal in my opinion. 
Mortgage holder has been changing the terms of the repayment, and not responding to proposals for 14 days or more. 
Mortgage company makes no commitment on repayment proposals claiming that 'they must submit it to investors ' Weeks go by and THEIR proposal are now rejected and they are making new demands. 
They have insisted on bank statements before they will approve repayment. 
They keep changing the terms, and I feel they are not dealing with me in good faith.
Product: Mortgage

My husband lost his job during XXXX and we filed for forbearance with our mortgage company Flagstar. Once we were able to resume payments, we contacted the company and started the loan modification process. We were given terms and asked to make 3 months worth of payments to show we can resume regular payments. We did that successfully and then were sent a loan package. We had the documents notarized and sent back to Flagstar before the due date. After some time I reached out to them to set up autopay on the new loan amount only to be told the loan had been terminated! After many hours on the phone, Flagstar admitted they had indeed received the documents on time, but that due to some clerical error on their part it was terminated and we had NO RECOURSE. We tried to continue to argue our case, but were on a hamster wheel. We spent well over 20 hours on calls ( that can be documented with phone logs ) and finally out of sheer frustration and warnings of losing our mortgage by Flagstar we reluctantly accepted a second modification at a higher interest rate. We made the three months of payments on this recent modification as required. Then we received the modification package and returned it ahead of the XX/XX/XXXX due date, the documents were in fact received by Flagstar on XX/XX/XXXX at XXXX ( documents and tracking info attached ). 

I called Flagstar this morning, just to confirm that everything was in order and was informed AGAIN that our loan has been terminated due to not getting the documents on time! I had the agent confirm that they were in fact received on time, I then asked for a supervisor and was connected to XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX  XXXX confirmed our documents were in fact there on time and did not have an answer as to why our loan was terminated. He said it would be sent to the underwriting department and they would fix it. 

We did this song and dance the first time around. We trusted the system and believed that Flagstar had our best interest. That was absolutely not the case. We feel strongly that Flagstar is purposely introducing errors to cause delays in the process and force consumers into higher rates. There was no effort on Flagstars part to rectify their initial admitted error and they are now trying it again! 

This time we are going to take action which is why I am filing this complaint. 

I can provide all pertinent information as needed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XX/XX/2021, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC. Attempts to continue to break FCRA laws and send me same investigation results continuously that they have investigated again. They are report inaccurate bankruptcies after I gave them identity theft reports and information regarding violation of my rights. I want legal aid information to sue Transunion llc in the court of law. Their results says Verified but unspecified information??? If you verified, you should have revelant information including adjudication and adjuction dates which they fail to provide. This is hurting my attempts to obtain credit because they are reporting that I'm in active Bankruptcy and I'm being denied credit.. Im not in a bankruptcy or in a filed bankruptcy which they reporting I am. FERDERAL court did not communicate or verify with Transunion the above records : XXXX, XXXX, XXXX, XXXX are not my cases. Proved with identity theft reports sent to transunion llc.
Product: Credit card

On XX/XX/year>, I paid {$750.00} to Chase XXXX XXXX to clear my credit card balance, bringing it to {$0.00}. However, the following month, I was charged {$5.00} in interest. Despite my efforts to dispute this charge, Chase insisted I was responsible for it even though I had paid off the card. It seems like an unnecessary fee they added. I tried to contest it again, but they refused to reverse the charge.
Product: Credit reporting or other personal consumer reports

TransUnion, EquXXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : 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 These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law. 

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin.

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of 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 Zelled failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

In XX/XX/2023, I purchased a camera body from an XXXX seller for the total amount of {$920.00}. After sharing my experience with others, I have learned that I was the victim of a Fake Tracking ID ( FTID ) scam, as the item was delivered to the wrong address within my zip code, and signed for by a stranger as shown through USPS documentation. I attempted to resolve the issue with an XXXX case and appeal ( would not help me because it is within the same zip code and USPS/local post office did not help. I submitted a complaint through the XXXX banking app to dispute the charge and received a temporary reimbursement. However, following their limited investigation they ruled to remove the funds from my account. I provided documentation from USPS and XXXX along with a letter to explain my case, and did receive a response. Finally, after waiting for a few weeks, I called to ask about the status of my appeal and they informed me that they could not help ( once again due to it being within the same zip code ). I am very disappointed in their lack of help and am out of options to try getting my money reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}
Product: Credit reporting or other personal consumer reports

Equifax has caused me harm by defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX XXXX  that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my recent consumer report with Equifax and demand this matter to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : XXXX Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my Experian credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both Experian and XXXX.
Product: Payday loan, title loan, or personal loan

*** THIS IS NOT A DUPLICATE CLAIM*** hfs financial is a company that shops home improvement/pool loans for you with banks and credit unions.I have two previous loans through them which are almost paid off with no late payments. i applied for a loan at the end of the year and got approved with XXXX XXXX XXXX XXXX XXXX XXXX. the loan was approved and then denied due to hfs stating they could not properly identify me. i was told to wait 45 days and reapply. six months later they are refusing to let me re-apply. i later found out the reason they couldn't identify me was because i had a security freeze on my credit file and it was blocking new credit attempts. i have since cleared that up and notified hfs that my file was open. They are still refusing to shop a loan for me with no explanation 's feel i am being discriminated against. i was also told that they do not deal with customers who have filed a complaint against them, because i filed a complaint when they stated they could not identify me. the same thing happened to someone that i referred to them and when they could not identify him the first time they allowed him to reapply ( XXXX XXXX of new york ), i have also referred multiple people to them through my business for loans and they have worked with everyone and been very lenient. they have been rude and nasty to me and all im trying to do is get help obtaining another home improvement loan. they offer the lowest rates and i can not understand why they are refusing to work with me. i have lifted the security freeze and should be treated like everyone else that i have referred to them. is it because i am a person of XXXX? im not sure because everyone else that i have referred was not a person of XXXX so im very confused and feel disrespected. i was told to reapply in 45 days and now they are saying i was never told that. i was told that by a supervisor and the website.i was also told that i would be reset in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Experian and XXXX are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX account. ( Please see the attached notice from XXXX XXXX. ) There were extenuating circumstances and I was forced to return the vehicle I was purchasing. On XXXX I received the Notice of Our Plan to Sell Property letter from XXXX ( XXXX  letter attached ). The vehicle was scheduled to be sold at auction on XXXX. The letter from XXXX clearly states : If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. The vehicle was sold at auction for {$11000.00}. ( Attached is a copy of the Motor Vehicle Record dated XXXX. ) XXXX made a difference of {$1000.00} from the sale of the vehicle and therefore there is not outstanding debt. Please see below - XXXX Sale of Vehicle = {$11000.00} Charge-off amount reporting = {$10000.00} Difference of = {$1000.00} The charge-off amount is LESS than the sale of the vehicle and therefore there is not outstanding debt. I am not requesting the difference of {$1000.00} however, I am requesting that these line items be removed from my credit report. This incorrect reporting of a charge-off is harming my credit. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called XXXX. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from US Bank I did not authorize. I was unable to get in touch with them by phone.