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

This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number 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, I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc.
Product: Money transfer, virtual currency, or money service

I am writting 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 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Under the PSLF I should be able to receive loan forgiveness after 120 payments while working full-time in a public service field. I pulled all of my records in XX/XX/XXXX and believed at that time I had made 125 payments on my XXXX student loans. ( Actually, I made far more than that given that I began working in Public Service in XXXX, but the years from XXXX don't work. ) I never received any good explanation of the discrepancy between my account and the PHEAA count on these loans. Then, I lost my job as an XXXX for a XXXX XXXX XXXX due to Covid budget cuts in XX/XX/XXXX. Since that time I have only found 20hr/wk work in XXXX, so none of the " forgiven '' loan payments from this time period count. I would like a direct response to each month of payments ( I have bank statements proving every one ), and why they didn't all get counted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to complete a refinance with XXXX XXXX XXXX started XX/XX/XXXX. They were inquiring about the forbearance started with 5/3 bank in XXXX of XXXX. 5/3 advised me that my forbearance would NOT count against me, because it was started under a covid disaster forbearance. When conducting a verification on a taped line XX/XX/XXXX with XXXX XXXX the representative stated that during my forbearance there were 4 ( 120 days ) missed payments. The 5/3 rep stated that improperly and then tried to back track her statement. The 3rd party verifying company put into my file that I was 120 days late off of the improper information of the 5/3 rep. This adversely caused XXXX XXXX to terminate my loan application. I was suppose to close this Wednesday XX/XX/XXXX The other issue is when you come out of forbearance they ( 5/3 ) advise you to make 3 trial payments as a temporary program until your loan mod is completed. Those payments are XXXX, XXXX, and XXXX which don't get reported I guess and then the loan XXXX is completed in XXXX. They move XXXX 's payment to the back of the loan just like you guys will when this loan closes which is why my 1st payment is XX/XX/XXXX. Which is in the letter I sent. The system will let me log in, but I can not access the trial packet anymore. I sent a screenshot of the website. When the third party rep talked about chargeback, 5/3 bank activated XXXX bill payer without my knowledge and overdrafted my account in XXXX not XXXX. I contacted them in the letter afterwards and stopped the autobill payer. The chargeback was for XXXX 's payment NOT XXXX. XXXX 's payment was made on the XXXX thus again there isn't a 120 day late period. The 120 days is the loan modification trial plan period that if you don't follow they won't modify your loan in the first place. Again these trial payments don't get reported. The rep from the private company again never asked any questions to clarify and just put whatever he wanted in the file. I received the verbal denial XX/XX/XXXX. The written denial I have not received yet. XXXX XXXX has the audio recording of he telephone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on 2 accounts same company XXXX XXXX XXXX XXXX, transunion removed one but not the other XX/XX/21, see attached letter, both of the accounts are over 7 years and should be removed,
Product: Credit card or prepaid card

Beginning mid XXXX, I began noticing the same unauthorized charge of XXXX dollars and change on my account. The same charge would appear each month. Each month I would call USAA to dispute the charge and ask them to deny the ( obviously ) constant debit of my card. USAA could not prevent the activity on the card. In XX/XX/XXXX, I cancelled the card with USAA - having no faith in their protection of my privacy as a card holder. I shredded the credit card, and had no further problems until today ( XX/XX/XXXX ). 

I received a bill from USAA on the CLOSED account - for the SAME fraudulent charge! 

I called USAA and waited on the phone for over an hour and a half, and finally hung up. 
USAA is definitely not able to rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/XXXX about inaccurate information on my credit report. 

The following account is outdatedXXXX XXXX XXXX {$4300.00} date of last payment XX/XX/XXXX The following account is inaccurateCOMMON WEALTH FIN {$250.00} The following account is inaccurateXXXX XXXX XXXX  {$430.00}
Product: Debt collection

laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> MACYS/CBNA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it.

2. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report.

3. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt.

4. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me.

I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately.

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within 30 days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company ( NCB Management Services INC. ) has been sending me emails at least every week when I had already told them to stop contacting me. They were calling me almost every day for about 3-4 months last year to the point where I had to take some therapy because it was too much harassment and oppression. I told them to stop calling me and contacting me, they stopped doing it very often to just once in a while over the phone but they keep sending me emails every week. Im very stressed out and sick due to this situation and I have no idea how to handle this anymore.
Product: Credit reporting

This was a tax lien that was listed for XXXX XXXX XXXX. It was in error so I disputed the record. The XXXX investigated and reported that the lien was " Released '' but it was in-fact expunged as it was filed in error. I checked with the Court and they show it expunged filed in error. I spoke with XXXX and XXXX from XXXX who told me they use a third party vendor who they refused to identify that the vendor verified the information as being accurate. I asked XXXX what happens when the vendor is providing false information? I was transferred to XXXX ID # XXXX who stated that they disputed the information and the courthouse advised them the lien was released and satisfied. I checked with the court who advised anyone checking would be advised it was EXPUNGED and filed in error. XXXX stated they can not advise how the verified the information because it was " internal policy. '' Clearly they are not doing primary source verification which is a violation of all applicable rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am filing this complaint because Transunion is refusing to update my XXXX XXXX XXXX collection accounts as paid and settled. The account numbers are : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. I settled with XXXX XXXX XXXX and paid off these accounts months ago but for some reason, Transunion has been the only agency who has not updated these accounts to reflect as " paid ''. It has been over six months of back and forth disputes with Transunion and they have not resolved my issue. I am including a section of an XXXX only report which shows how all six of these accounts are reflecting as paid and settled accounts. What is wrong with Transunion and why ca n't they update my accounts properly? I do n't see how this is so difficult. What makes this all the worse is that they have been writing to me in their letters asking me to call the creditor to verify the information being reported. I do n't need to do that because I know these accounts have been paid and settled. I did it myself. XXXX  and XXXX would n't be reporting them as " Paid '' if this was n't so.
Product: Debt collection

I have repeatedly tried to notify this company that the items do not belong to me. 
XXXX XXXX  XXXX, Aargon Collection XXXX, & XXXX XXXX. 
Please help me with these items.
Product: Mortgage

My mortgage servicer Caliber is making false and fraudulent claims to me, to Congressman XXXX XXXX 's office and also to your agency. I filed a complaint against Caliber relating to my FHA mortgage loan a few weeks ago. Caliber says one thing in the letter, but the reality is something different and their agents tell an entirely different story. The bottom line is that Caliber has continually refused to conduct an ACCURATE review of my household 's entire financial circumstances and instead puts together bits and pieces. They claim transparency yet never disclose the figures that were used in their calculations. I work full time, my husband works full time and contributes 100 % of his income and my son receives SSI as well. Caliber 's claim that there are not any FHA homeowner assistance programs that we qualify for is demonstrably false. The numbers don't add up, the math just does not work, and I know that there are options such as partial claim or repayment plan that they don't even address, besides loan modification or special forbearance. Their response reaffirms all of my claims about their obstruction of this process. I am being denied access to government programs that should be made available to homeowners in my situation. 

After filing complaints against Caliber with your organization I was finally able to get someone to pay attention to me. I was told on XXXX XXXX that they were willing to review me for a modification, and I quickly got all of my paperwork together and sent it in. Just a few days later I was told that now Caliber was REFUSING to review the information because I had a sale date on XX/XX/XXXX. Why would their agent tell me that I should hurry to get my information in for a review and then once they have it refuse to even look at it? 

When it became obvious that Caliber was hell-bent on selling my home and not giving me a chance to resolve this matter I was forced to file bankruptcy. Amazingly, they begrudgingly agreed to begin working on my file again. However, I once again ran into issues as their agents were falsely claiming that many documents were missing. I got on the phone at XXXX XXXX XXXX and spoke with XXXX. After a very lengthy phone call and a heated discussion she went through all of the uploaded documents and found that ALL of the requested documents were there. 

This company is a joke. XXXX is deliberately denying access to programs such as loan modification, partial claim, special forbearance and repayment plans. We have more than enough income to qualify for one of these programs, but they are more interested in foreclosing and cashing in on the insurance. That is not going to happen, we already have HUD investigating their servicing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove the following accounts right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am filing this new complaint against Capital One because they failed to respond or act after my initial CFPB complaint. Despite acknowledging my XXXX accommodation request to communicate exclusively via email or secure messaging due to my XXXXXXXX XXXX, Capital One has not replied to my secure message or provided any resolution to my inquiries regarding repayment options. 

Instead of engaging in meaningful communication or finding a middle ground, Capital One appears to be letting time pass in order to sell my account to collections, evading accountability and resolution. This deliberate delay has taken advantage of the CFPBs process and caused unnecessary stress, demonstrating a lack of support for customers with XXXX. 

I am requesting that Capital One be held accountable for their failure to act and that they provide a fair resolution without further exploiting CFPB time limits or neglecting their obligations to accommodate my XXXX.
Product: Mortgage

I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX XXXX
Product: Checking or savings account

Please reimburse me for the funds loss resulting from the damages caused on my checking account that was frozen/blocked in the amount of {$670.00} which includes {$610.00} late fee and {$61.00} checking recovery fee changed by the tax collector of XXXX XXXX XXXX I wrote check no XXXX for the amount of {$6100.00} and it was rejected bounced resulting from bank error. The check was not honorred by the bank. I personally visited Citibank in XXXX CA on XX/XX/year> and requested to know if I could write checks on the account. The account had a fraud issue on the account occurred by internal affairs of the bank approximately a year priror. The teller XXXX XXXX assured me that my account was ok and it ok to write check on the account. Unknowing to me XXXX XXXX was a new teller and did not know what she was doing ( I learned this later after talking with her ). She appologized for her error and hopes the bank reimburse me for my loss funds. I presented XXXX XXXX with my physical check and ask her to verify this because the fraud issue occurred on my account prior. She note again it was ok to write checks. The check were utilimately returned unpaid by the bank. Thus resulting is loss of {$670.00}. The bank has refuse to response to my request for reimbursement or even provide a written response. I got call from banch XXXX indicate that the bank has demanded that he does not provide any written communication.
Product: Debt collection

I was checking my credit report and noticed a debt collection from a previous property management company with no explanation of why I move out on XX/XX/XXXX of 2023 they were giving 30 days notice I turned my keys to the front office and the management company never stated anything about money but somehow put a debt collection of {$400.00} on my report which I have no idea of why with no explanation. I have been told by previous tenants this company plays dirty when you move out and this not fair I payed my rent on time the 6 years Ive lived there. I need that collection removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I used my rights to ask Transunion to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter so I sent a second letter requesting the same information, on XXXX XXXX, XXXX. I got the same results with a system generated letter about the process of inquiries being on my report and no proof of them verifying the information.On this day XXXX/XXXX/XXXX I 'm sending a final warning and it 's about them not providing information to report on my report legally. They did not provide me proof of verification.
Product: Mortgage

There 's been a gross miscarriage of justice committed by Wells Fargo Bank with regards to my mortgage. My XXXX family home is in XXXX XXXX, and when Hurricane XXXX hit, I was a XXXX resident. I have since moved back into the home. I received no FEMA assistance, because I did not occupy the home. There was a foot of water in the house. Wells Fargo offered me XXXX six month payment moratoriums and promised to put the arrears on the back end of the loan, via a mortgage modification. Wells Fargo then sold the mortgage to XXXX in 2013 for a mortgage backed security issue, and the terms of the payment moratorium and mortgage modification changed. The new investor then demanded the full sum of the payments and my home is now in foreclosure. The investor will not give me a modification, after numerous attempts. The investor is uncooperative and has stringent modification terms, which are unattainable. There has to be a regulatory agency that can thwart this illegal act. Wells Fargo is culpable, the XXXX mortgage back security is culpable and I 'm now at the end of my rope, fighting to keep my home. I do not qualify for the XXXX Homeownership protection program because my income is $ XXXX above the maximum. I 've poured my blood, sweat and tears into my home. I 've sought legal counsel, who could not stave off this investor. I do not qualify for HAMP, because this is an investor loan. I 'm one of the forgotten homeowners who can not benefit from any of the government mortgage programs that were put forth by the Obama administration. From a debt to income standpoint, I can afford the mortgage. Affordability is n't the issue. I 'm pleading for your assistance with this issue. There was a summary foreclosure judgement entered recently. I 'm running out of time. Please assist me. I look forward to hearing from someone from your office. Thank you so much for any assistance that you can provide.