23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire process.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for XXXX Adjustment on Account Dear XXXX, I hope this letter finds you well. I am writing to request a XXXX  adjustment regarding my account with XXXX XXXXXXXX XXXX  ( XXXX XXXX ), account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with XXXX XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX This is my third attempt to correct this information, I am writing to formally dispute the inaccuracies regarding my account with XXXX XXXX XXXX ( Account Number : XXXX ). This is my third attempt to have this issue resolved, and the ongoing inaccuracies have caused me significant stress and financial hardship. 

Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects a charge-off status as of XX/XX/XXXX while also indicating prior charge-offs leading up to this date. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, all information reported must be accurate. The repeated charge-off status is misleading and does not accurately reflect the current state of the debt. 

Failure to Update Account Status : The account was last updated in XX/XX/XXXX, yet it shows a past-due balance of {$600.00} as of XX/XX/XXXX. Under FCRA ( 15 U.S.C. 1681c ( a ) ), creditors are required to update account statuses accurately. This failure to provide updated information misrepresents my financial obligations. 

Misleading Payment History : The payment history contains numerous charge-off statuses along with gaps indicating no data ( ND ). The Truth in Lending Act ( TILA ) mandates that payment histories must be clear and accurate. This confusing reporting misleads potential creditors and negatively impacts my creditworthiness. 

Duplicative Negative Reporting : The account shows overlapping charge-off and past-due statuses, which violates the FCRAs requirement for fair and non-misleading reporting ( 15 U.S.C. 1681e ). Duplicative reporting of negative information can unfairly harm my credit score and financial reputation.

Excessive Reporting Duration : This account is scheduled to remain on record until XX/XX/XXXX, which is unnecessarily lengthy for a charge-off that is inaccurately reported. Under FCRA ( 15 U.S.C. 1681c ), negative information should only be reported for a limited duration. The continued reporting of this inaccurate information prolongs its negative impact on my credit profile. 

Request for Resolution : Given the inaccuracies and the harm they have caused me, I request the immediate removal of this account from my credit report. If the inaccuracies can not be verified as correct, they must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting or other personal consumer reports

Upon checking my personal EXPERIAN account, I realized that I have incorrect information in my credit report. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, EXPERIAN is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( 2020 ) '' The dates on which the incorrect late payments appear are described in each account as follows : Account # XXXX dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, date : XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

EXPERIAN must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information.

This is not the first time I have tried to contact experian and they have not shown any interest in resolving the errors they are making and are affecting my credit history.
Product: Debt collection

I XXXX XXXX am trying to resolve a debt situation, whereas I made the mistake of signing on for several cell phones where relatives were supposed to pay the invoices. However, they reneged to pay directly to XXXX XXXX XXXX XXXX, or even pay me directly. I attach a settlement offer from IC System for 55 % on the dollar. That is generous, but not affordable. I am really pressed for any cash, and I respectfully request a lighter settlement in the vicinity of 20 %, or {$500.00} one time payment. I will need to borrow some of these funds, but I desire to put this experience behind me. Thank you for your consideration in this matter. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm not receiving response regarding my concern I'm tried to fixed my credit but still no action please delete this inquires now Here 's the list XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

on XX/XX/21 at XXXX, I received a call from XXXX at Allied Financial. She admitted she was looking for a relative of mine in hopes of collecting a debt and had looked up my information. I have no business relationship or contract with this company and I am disturbed that a random stranger is looking up my personal, protected, private information without my consent. When I asked how she obtained my information, she refused to answer. I reached out to the family member they were looking for and he did not give them my information. When I called back and spoke to the supervisor XXXX XXXX, he stated theyre only allowed to use information provided and she shouldnt have looked up my personal information but he could not verify what else this individual looked up or accessed. I am now concerned that my SSN had been looked at as well as other personal protected information. This is illegal and harassing.
Product: Money transfer, virtual currency, or money service

Filing a complaint against Cash app ( block Inc ) for unfair practices which violate the CFPA, specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, which left my account vulnerable and unprotected.

Also, their despute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss and inconvenience and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your XXXX, Equifax, and XXXX 's dispute resolution process on XX/XX/, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Product: Checking or savings account

There have been fraudulent withdrawals from both my checking and savings accounts. I have visited the bank ( Santander ) on multiple occasions but they have frozen my account and refused to refund or give me a temporary credit for the stolen funds. Because my account is frozen I can not gain access to look at all of the transactions and confirm whether or not they are genuine. I have also filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

In XXXX last year I received notification about a collection account from a company called UPLIFT. The debt was for {$440.00}. I called the company and they advised that the debt was for an airline ticket to XXXX XXXX in XXXX of last year. I advised the company that I had never traveled via XXXX and that I have never gone to XXXX. I was subsequently put on to a collection agency and I advised them of this. They told me that I would hear from them in 30 days. I did not. On XX/XX/year>, I received a notice offering me a payment plan. I called the XXXX number on the notice and spoke with a XXXX who subsequently to my insistence that this debt was not mine hung up on me. 
This debt is not mine. I have my passport to prove that I never traveled to XXXX. I need their collection agency, XXXX XXXX to remove my name from their list of debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared Chapter  XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant against Experian on XXXX2020 and you guys said that it wasn't submitted directly by me or that I didn't authorized the compliant. I don't know how you guys came up with that information but I completed the complaint my self and fully authorized it. I filed a police and FTC report and disputed the inaccurate information on my credit report, that the credit bureaus are reporting. Especially Experian. Please re-investigate my complaint and this company. 

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

I have disputed these fraudulent accounts with the credit bureaus and have provided filed police reports to show evidence of fraud, but the bureaus keep verifying the accounts. 

I demand a proper investigation to the supporting evidence and demand an immediate deletion. 

XXXX  has exceeded 45 days in providing a dispute response.
Product: Mortgage

I have automatic payment set up through my checking account to pay my mortgage. PHH is supposed to take out my mortgage payment every month + {$200.00} extra to put on my principle. It is now XX/XX/19 and they have not taken out my XX/XX/19 payment. I have sent emails and no one has responded. I have called 2x and was put on hold for 1 hour each time just to be told they did not know why the auto payment was not taken out, and to call back later if it still was not taken out. I need a call from a manager from America immediately so I there is no miscommunication. I need this to be fixed ASAP, before PHH starts charging me late fee 's and it shows up on my credit report that I was late on my mortgage. This is utterly ridiculous, last month i sent a check in by the mail and they did not cash it for over 2 weeks. There is a total lack of accountability with this mortgage company. 

{$1500.00} supposed to be taken out XXXX of every month XX/XX/19
Product: Credit reporting or other personal consumer reports

I had recently contacted all three major credit agencies. XXXX, Transunions, and XXXX. They are violating the fair credit reporting act and the consumer protection act. I explained to them how they are doing so. They ignored it and still continue to validate fraudulent information with telling or showing proof of there claims. I do not know how they got this information with my written consent or permission to do so. Each violation is subject to {$1000.00} per each violation in consumer law and also the courts.
Product: Payday loan, title loan, or personal loan

Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire is using XXXX means to coerce and swindle me into paying an alleged debt which is a willful violation of 18 USC 894 it is unlawful to punish a consumer on extension of credit. However a Finance charge was included which meaning thats the sum of all charges ( Grand Total ) leaving no payable amount as cash is inseparable when it comes a consumer credit transaction transaction. Wilshire Consumer Credit has violated my Federally Protected Rights under TILA and the FDCPA. Wilshire also used harassing and deceptive means to collect on an alleged debt willfully and knowingly violating 15 USC 1692e, as they contacted my reference using misleading representation to get my location to repo my vehicle, they told her I filled out for an application and Im approved they need my location however that was deceptive. I am now acting in good faith before pursuing to litigation giving Wilshire a chance to rectify this issue within 10 days by sending my title back certified mail to have a witness, failure to provide my title will result in litigation in Federal Court for double the Finance charge, Statutory damages, actual damages and any amount the court deem just and proper.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. This lack of transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day, she said : " there is none ''. so I asked how do I find you again as you seemed to be the only one I can talk to and she said just click away and a window will appear but no option to find me. It sounds like scam to not allow customers to call to a person so they end up having late fees and finance charge. major credit cards are good to loyal customers and I am Macy 's customers for 10 years and can not talk to a real person. what is going on and what are my rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of Child Support on my credit put by the Texas Attorney general. It is unfair that it is assumed that I have never paid child support. I have provided proof to the attorney general and have requested an investigation by the Experian and XXXX, for them to prove I owe this amount of {$8800.00}. All the answers i get are the information is the same. But there is no info on dates delinquent, every month it reports like its month one on my credit. There are amounts paid just a big balance. I have had my wages garnished and I have had my tax refund offset. Now that I am trying to buy a home, to stop renting all my life, I learn a lender will not help me due to the incorrect reporting on my credit report. I dont have money to pay an attorney. The attorney general are not helping me at all with regard to setting up a hearing to provide proof and my side of the story. its not fair how i am treated as a dead beat mother and refused a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Some months ago a mortgage loan on a property owned by my wife and me was sold to a financial institution called Gregory Funding. Average wait times to speak to customer service are typically around an hour, making it extremely inconvenient to contact them. They have no email address that I know of, and their web site is extremely primitive and unhelpful. It provides almost no information at all. 

I'm on hold right now, once again, waiting to speak to somebody. There are 50 people ahead of me in line. At least once, on an earlier occasion, I waited on hold for more than an hour, and just when I finally got to the front of the line, the call was disconnected. 

All I need to do is cancel a regularly scheduled automatic mortgage loan payment for the month of XX/XX/2022, since I already inadvertently paid it through XXXX bill pay. 

This company is a disgrace. If they can not properly service their customers they shouldn't be allowed to acquire more mortgage debt from other institutions.