23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Starting in early XX/XX/XXXX we became aware that PHH Mortgage Company was not paying our property taxes on one of our parcels. We have contacted PHH by  phone just about every week since XX/XX/XXXX. We continue up to today XX/XX/XXXX to no assistance from PHH. The taxes our included in the mortgage payment, but PHH refuses to follow instructions from the county clerk 's office, sends the wrong amount ( that are marked " Insufficient Funds '', includes the wrong parcel numbers and incorrect address. XXXX ID XXXX a manager at PHH and our main contact has refused to return our phone calls or communicate to us in any way. The parcel stated has been sold for delinquent taxes due to PHH mishandling. The original amount was {$1500.00}, but since it has not been paid by PHH it is now up to {$1700.00} and will increase again in XX/XX/XXXX for additional fines and penalties. Back on XX/XX/XXXX PHH sent two checks in the amount {$750.00} each. PHH has been given by us and the clerk 's office specific instructions on how to send and what to send. The two checks were returned to PHH on XX/XX/XXXX for wrong PIN number, ISF, incorrect check type and this has happened three times now. We have until the year XXXX to redeem the back taxes to keep our property. PHH has stopped all communications to us and has sent threatening letters stating they will start charging us a {$50.00} for some unknown reason and a {$17.00} fee for processing, processing what?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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 Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was 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: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are  required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 &  617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Letter of verify sent to these companies XX/XX/scrub>/2024 no answers XXXX XXXX account number XXXX XXXX account number
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to Comenity Bank/Expres XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Comenity Bank 's customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XXXX, a debt associated with XXXX XXXX and XXXX was removed from my credit reports. In XXXX, XXXXXXXX XXXX XXXXXXXX purchased this debt from somewhere. I contacted the credit bureaus to inform them that this was falsely being applied. 

I have never spoken to this company nor had any contact with them. However, they have sought to validate information about me that I have never provided to them. Experian has allowed them to submit new addresses and additional information which I never provided to them to complicity engage in this fraudulent act to cause me financial harm. 

The debt associated with XXXX XXXX XXXX was removed because it wasn't my debt. However, XXXX was removed from XXXX and XXXX credit reports for not having vaild authorization to report to those accounts. Experian chooses not to comply and conspires with XXXX to damage my reputation and inflame defamation of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX ( Acct # XXXX ), and XXXX XXXX ( Acct # XXXX ) have violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

XXXX XXXX $ ATM withdraw shown on my statement I did not withdrawal any money on this day and i filed a dispute transaction with Wells Fargo Bank with no success, Iam on SSi payment and I can not afford loosing near all my month money I am behind on my bills .Please help
Product: Credit reporting

A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not Authorize These Accounts
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$1600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XXXX XXXX - Balance : {$1500.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I have requested several times for XXXX and XXXX to correct the information being reported and I have not received the corrections updated and I have received no proof of the information being reported. 

Incorrect names, addresses and various other information
Product: Vehicle loan or lease

In XXXX of XXXX I contacted Exeter Finance and let them know I would be XXXX in XX/XX/XXXX to request SCRA XXXX XXXX. The representative let me know to send in my XXXX active XXXX paperwork and the request would be processed. She told me to reach back out in 10 days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : 1. Late payments would be reported to the credit bureau if I become late 2. Even if I become more than 90 days late, my vehicle would not be repossessed as part of the SCRA benefit. 3. I was eligible for four deferements as a result of the SCRA benefit. 4. My interest rate would be updated to 6 % and any future payment made would be applied based on the updated interest rate. 5. I would be eligible for the SCRA benefit for 24 months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. I reached back out to Exeter finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the SCRA team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. On XX/XX/XXXX, I would injured in duty and was put in a military treatment facility. I was initially released on XX/XX/XXXX. I contacted Exeter Finance on XX/XX/XXXX to inquire because my credit report was saying that I was not 60 days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. I called and spoke with several supervisors at Exeter finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for SCRA benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a military treatment center until XX/XX/XXXX when I was released from active XXXX duty. I have since contacted Exeter to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the SCRA benefits available to me. There was no court order that allowed Exeter to repossess and sell my vehicle. 

I have sent several messages. XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no response. I have called in XXXX, and XX/XX/XXXX and have been unable to receive a response.
Product: Checking or savings account

On XX/XX/22 at XXXX my account was hit repeatedly by several websites, which drained my account completely of all funds. That did not stop the attempts by at least three websites I have never done business with to keep trying to pull money out. The way In which the money was repeatedly attacked and the fact these were from online sources point to something suspicious obviously happening. After several attempts to contact cashApp to stop this and alert them of this fraud, I had no success as I couldnt contact anyone until the next day. As of today they launched an investigationsaying nothing suspicious happened and will not be refunding me this cash. I find that their security measures appalling and inadequate to protect their customers. The number of times they tried to hit my account for more money after they had drained it, my powerlessness to alert cashApp of this as it was happening and their unwillingness to investigate more logically makes me feel like a victim to this corporation.
Product: Credit reporting or other personal consumer reports

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Mortgage

Second complaint I submitted a compleint against NEWREZ for refinancing an existing loan back on XXXX XXXX. 
Mr XXXX XXXX contacted me a few days after, asking if I would like to continue with the loan or to get my {$650.00} for under, money I paid up front. I told Mr. XXXX if it was possible I would like to continue with the loan process, so we continued with the loan process, same problems occurred Mr XXXX again started asking to send him the same documents over and over again that I have sent to him. 
I been sending documents since XX/XX/2020 when we initially started the refinance. 
After a week or so when by and someone else would contact me asking for the same documents again, I would sent documents to this other person ( I have proof of this e-mails ) again another week would go by and someone else would ask me for the same documents. I felt like they were just playing games passing my folder to different people and not processing my loan. 
I provided all the documents requested by NEWREZ several times to Mr XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and nothing has been done, I got tire of sending email and documents over and over. 
The last email I sent was to request my {$650.00} refund on XXXX XXXX it is now XXXX and I have not yet received anything, at this point I would like just to get my money back. 
Thank you in advance for your time and help for this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau is still sending someone's mail to my XXXX XXXX XXXX, and has listed this fraudster 's name ( XXXX XXXX XXXX ) on my XXXX XXXX XXXX XXXX  documents that I paid off. I submitted proof of my XXXX XXXX XXXX XXXX documents via mail to ALL ( 3 ) Credit agencies that shows my full legal name, loan account #, and paid in full status. My full legal name is XXXX XXXX XXXX. I have filed a report against XXXX XXXX XXXX who is illegally using my XXXX XXXX XXXX and false claiming my loan account number with XXXX XXXX XXXX. Equifax Credit Bureau is violating my Rights after being notified of this issue and not considering my contractual USPS XXXX XXXX Agreement that is in my name. I would like to file a complaint against Equifax Credit Agency.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures ' ON ACCOUNT XXXX XXXX {$300.00} open on XX/XX/XXXX XXXX inquires XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have always been in good standing with my XXXX/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and XXXX/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX XXXX, not hers. When on the XXXX/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$53.00}
Product: Debt collection

They reported to my credit in violation of Hipaa ... 
never had a chance to dispute it or pay it
Product: Checking or savings account

I tried calling my bank and pleading with them. I let them know that i loss my job and the fees that they are piling up it might cause me to be unable to pay my rent. 
After pleading they said that there was nothing they could do. 
But i know they can help. I'm asking right now if you can assist me please with asking them to return those overdraft fees that they keep placing everyday into my account
Product: Debt collection

I am writing to express my deep disappointment and outrage at TransUnion 's refusal to comply with the law by denying my request to block inaccurate information and unauthorized transactions from my credit file. 
It is within my legal right as a consumer to request the removal of any unauthorized transactions or inaccurate information from my credit report. However, despite providing clear evidence and documentation supporting the inaccuracies in my file, TransUnion has callously dismissed my request without proper investigation or consideration. 
This egregious display of negligence and disregard for consumer rights is utterly unacceptable. TransUnion 's refusal to take appropriate action to rectify the inaccuracies in my credit file not only violates the law but also undermines the integrity of the credit reporting system.
Product: Debt collection

Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance.