23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked 5 times in writing to remove old personal addresses and another address Ive never lived there at all. 

I want one address listed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Ive never lived at these two places XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

Claim is for a debt of XXXX allegedly owed to Pay-Pal, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.
Product: Mortgage

In XXXX Id fallen behind on my mortgage and was working on a modification with XXXX XXXX  that was taking forever.XX/XX/XXXX  there was a huge flood in XXXX XXXX that took at least 65 thousand homes including mine with 4ft. of water taking everything I owned except clothes on my back and truck I left in. 
Still going through modification, gutting house, finding new place to stay and get life back on track - not easy after all this. 
XXXX XXXX insurance finally payed for damages but because house is in modification the mortgage co. will not release the funds to repair the house. XXXX XXXX Changed its name to XXXX XXXX and sold my loan to XXXX XXXX and the modification process had to start all over. Going back n forth with paper work the loan went back into foreclosure status. On XXXX XXXX I received a letter asking for more paperwork and on XXXX XXXX house was sold in Sheriffs sale with no knowledge by me. Getting home on XXXX XXXX finding a letter on my door stating home was sold and I need to vacate in property ASAP. 
Talking to the flip company that bought the house in sheriffs sale informed me I should be intitaled to the insurance money sense the mortgage co. and I have no more ties with property. Ive contacted XXXX XXXX   about this and I get hung up on, told dont know what your talking bout or just given me the runaround between departments. 
Should the insurance money be available to me because of the situation? 
Please help!!!!
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. 

a. Account Name : XXXX XXXX Account # XXXX b. Account Name : XXXX XXXX Account # XXXX a. Account Name : XXXXXXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX This above referenced accounts are in violation of Fair Credit Reporting Act supported by the following : 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: Bank account or service

In XXXX of 2015 I went to my US Bank to discuss identity theft with my XXXX account and my checking account. The branch manager suggested that she open a new checking account for me, and this was done. I could not immediately close my old account since I had to first change my direct deposit information with Social Security and my pension fund. I did this, and I also changed all my information with my creditors. 
In XXXX of 2015 I paid my monthly statement with a creditor in the amount of {$60.00}. I again checked to be certain they had the new account information. Approximately 10 days later, I received a letter from the creditor stating that they had received a returned payment communication from US Bank, and the payment was denied. I immediately contacted the same branch manager to see what the problem was. She told me there was no copy of any returned statement by them to the creditor since US Bank does not keep copies of returned payments on a closed account. However, the {$60.00} is missing from my new account. 
Both the creditor and I believe that the new account was used for the payment. The branch manager insists that since she can not find a copy of a returned payment, the old account must have been used. I find no reason to believe the branch manager as the {$60.00} is still missing, and to whom did the bank release this money?
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to XXXX  I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people  do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You
Product: Debt collection

My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX  complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX  case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.
Product: Money transfer, virtual currency, or money service

hello writing to formally express my concerns regarding Zelle 's 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 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 its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about my consumer safety and other consumer 's safety
Product: Mortgage

Selene Financial LP and XXXX XXXX XXXX fraudulently claim that we failed to make the monthly payments between XX/XX/XXXX and XX/XX/XXXX and resorted to unlawful foreclose on our property even though we provided proof of payments. Selene Financial LP acted as a loan servicer on behalf of the creditor took our payments, but still intend to steal our property by scheduled an auction on our property on XX/XX/XXXX. 

Allowing XXXX and SELENE to proceed with their despicable and malicious behavior to foreclosure on our property and taking payments on our loan at the same time amount to nothing more than THEFT and EXTORTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries are still on my credit report, they need to be deleted. They are XXXX XXXX XXXX and they are reporting the wrong dates for them to be deleted off my credit reports. I need them off, I am trying to purchase a home and it looks like I have to many hard inquiries and they need to come off now. PLEASE! 

They are saying they will deleted XX/XX/XXXX. 2 years from the inquiry is XX/XX/XXXX, not XXXX. This is crazy they can do that, XXXX  would be 2 years and 2 months. Two year reporting should be XX/XX/XXXX to XX/XX/XXXX Please delete the following off my credit reports now! I am trying to purchase a home and need them off. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The account XXXX XXXX XXXX XXXX is the result of identity theft and does not belong to me. Please remove this account from reporting on my credit report immediately, I contacted the company and the bureau requesting that this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is in response to the recent investigation of my credit record. I appreciate the corrections made so far, but I still need assurance that all items in my file are accurate. I request documentation verifying the accuracy of the specific account in question and a further investigation into the following accounts : XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX Balance Owed : {$180.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), re-investigate and update these disputed accounts. Provide the names and addresses of those contacted. As per 15 U.S.C. Section 1681i ( d ), notify me when the accounts are updated and send an updated copy of my credit report to my address.
Product: Credit reporting or other personal consumer reports

I have received errors in credit reporting from XXXX and Experian. The two bureaus didn't properly investigate my disputes and reinserted inaccurate information to my credit reports.
Product: Vehicle loan or lease

I obtained an auto loan through a dealership with Fifth Third Bank ; however, every month when I try to make a payment, they are unable to find my account and my internet login credentials are cancelled. Now I am unable to obtain a payoff. I'm on the telephone with the bank right now and they refuse to give me a 10-day payoff.
Product: Debt collection

South University failed to communicate with me about a debt that I owed. When I was in school they notified me that I did not have financial aid, when I was in the second week of the school term. Instead of offering more loan services, I had to drop classes or incur more debt. They never sent me an original bill at my address and I had a XXXX balance at this institution. I am being contacted by XXXX XXXX XXXX, a debt collector, collecting {$1000.00}. I do n't think this debt is valid. I asked him to validate the debt for me and he could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going to upload a copy of the letter that I sent to Equifax on XX/XX/2018. They have not responded to it yet.
Product: Mortgage

I, XXXX XXXX, am the authorized third party for XXXX XXXX XXXX XXXX. I 'm helping him apply for a loan modification with Ocwen, his loan # is XXXX. Ocwen approved him for a HAMP tier 2 modification on XXXX/XXXX/XXXX which only lowered his payments by about {$400.00} per month which did n't help him make the payments more affordable. We sent Ocwen a letter the next day on XXXX/XXXX/XXXX stating that this modification did n't help them and they would like it to be closed out and reviewed for an in house modification to see if maybe there was a better modification offer for them. Ocwen then said it would take a few days to close it out and it was never closed out until XXXX/XXXX/XXXX. It took about a month to close it out after we sent them a letter and they received it saying it would be closed out any day now. We resubmitted updated documents at that time XX/XX/XXXX to be reviewed for an in house modification, when at that point Ocwen then again approved it for a HAMP tier 2 on XXXX/XXXX/XXXX with identical payments which again did n't help the borrower. I have now sent them a letter asking them AGAIN to close out the review and review XXXX for an in house modification and they keep saying the same thing again saying, give us a few days and call back and it will be closed out and nothing is being done to close out the HAMP tier 2 approval and review him for an in house modification. This is XXXX 's last hope to save his home, if they can offer him a lower payment with an in house modification he can keep his home and I 've seen very great in house modifications with Ocwen so I know it 's possible but they keep dragging their feet and XXXX keeps falling further and further behind. If you can please help XXXX 's family out by having Ocwen expedite the process by closing out the HAMP tier 2 and reviewing him for an in house modification this would make a huge difference in their lives, they do not want to let go of their family 's home.
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 has violated my rights 15 U.S.C. 1681 section 602 A. State 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 CONSENT.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, other than records of conviction 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 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

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX 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

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. 
I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX DC XXXX XXXX XXXX XX/XX/2022 Balance : {$450.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means , at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX , or such other government agency deemed appropriate by the Bureau ; and ( XXXX ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/year> and asked them to remove the XXXX XXXX Account but they refused stated I must have opened it. I then asked for proof of whom or where the card was sent and they didnt provide this information via mail nor on the phone. This information was an XXXX XXXX XXXX resulting in some one obtaining my information and opening up a fraudulent credit card account.
Product: Vehicle loan or lease

I recently checked my credit score for the first time. I noticed there was an auto loan that didnt belong to me. It said I signed for a loan for someone else but I never did that
.

Exeter Finance LLC OPENED XXXX
Product: Checking or savings account

On XXXX I was scammed out of XXXX from a online scammer and manipulated out of my money by someone claiming to a landlord I reported to my back and they reversed the charges but today they placed all the charges back to my account putting it in the negative and causing tremendous grief to my life I need help on the matter.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies that are governed by 15 USC 16c-2. These errors are affecting my creditworthiness, and the hard inquiries were not authorized by me.
Product: Student loan

I noticed in early XXXX that my XX/XX/XXXX payment was not auto drafted. After doing some research I saw that my account was in forbearance when I had not requested such forbearance. I had been in repayment for the last year ( beginning XX/XX/XXXX ) and all of a sudden my account was put into a forbearance I had not requested. I made time to call Mohela on XX/XX/XXXX and was told that because of their new system it automatically put me in forbearance because I have a borrowers defense application with Dept of Education that was submitted in XX/XX/XXXX. I told Mohela that this should not be the case because Dept of Ed is aware that I asked NOT to be in forbearance which is evidenced by the fact that I had been paying for the last year and Mohela is on noticed that I do not want a forbearance on my account. I asked why was one placed when I did not request it. I asked that it be removed and be immediately placed back in repayment as I am pursuing PSLF and this is creating a bigger issue for me. Mohela removed the forbearance and I made a payment for XXXX and XX/XX/XXXX. A few weeks later, Mohela placed my account into forbearance again but this time backed dated it to XX/XX/XXXX even though I had called in a few weeks earlier to request NOT to be in forbearance. How is it that Mohela can backdate a forbearance that they have a record of me requesting not to be in. Moreover, they issued me a bill for XXXX immediately upon requesting the forbearance they had inappropriately placed to be lifted!? I confirmed with the Dept of Education that they did not ask Mohela to place me in forbearance and in fact there are several requests made to Mohela to NOT place my account in forbearance. Now none of my payments are counting from XXXX to date and they have not notified Dept of Ed that my loan have been taken out of forbearance and should never have been put in. I have called twice last week, on XX/XX/XXXX, XX/XX/XXXX. I was on hold for over four hours just to be told I needed to speak to a supervisor who never came on the line and the call was instead disconnected. Mohela is placing student loans into forbearance when such forbearance is documented to not be requested and when you call in to ask it to be removed they still dont remove it or they go back and place it again and dont notify Dept of Ed that the forbearance is lifted.