23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My residence was damaged on XX/XX/year> and am still awaiting the final payout of the remaining funds from my Mortgagee company NewRez Shellpoint Mortgage. Below I completed the complaint in a timeline : XXXX : XXXX damage occurred to residence due to a storm. 
XXXX : XXXX XXXX received complaint. 
XXXX : Claim was assigned to XXXX XXXX team member. 
XXXX : XXXX completed. 
XXXX : XXXX received from XXXX. 
XXXX : Claim was assigned to a claims representative XXXX XXXX. 
XXXX : Claim was assigned to a claims representative XXXX XXXX. 
XXXX : Received Service Agreement from XXXX XXXX XXXX XXXX and XXXX. 
XXXX : Claim check for {$30000.00} was received by NewRez. 
XXXX : NewRez Received Estimate and all required documents. 
XXXX to XXXX : After waiting for quite sometime I contacted NewRez who explained the check had not been issued and they were now issuing it. 
XXXX : I XXXX deposited a check for {$20000.00} deposit for work. 
XXXX : The work was completed with a final {$5400.00} bill. 
XXXX to XXXX I contacted NewRez to ask why the final check hadn't been issued and they claimed they were waiting for the inspection. 
XXXX : NewRez received a final inspection regarding the work. 
XXXX to XXXX : I contacted NewRez numerous times asking why the check hadn't been issued and was told the original completed inspection had the wrong address and they would have to contact the inspection company to get it changed. 
XXXX : NewRez received another inspection report with the correct address. 
XXXX to XXXX : NewRez was contacted several times regarding the issuance of the check and on numerous occasions they said it was being issued. Numerous time we had to speak to supervisors who said mistakes were made and they personally had to make sure the check was issued. 

As of XXXX we have yet to receive the final check which is needed to pay our XXXX the remaining balance, as well as ; completing small area 's of damage which remain to the residence. Throughout this process it has been extremely stressful and there shouldn't be a need for my wife and I to follow-up with the mortgage company to complete their tasks. This process was stressful and I feel as if I have to babysit this mortgage company.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT WAS REMOVED IT REAPPEARED ON MY CREDIT REPORT AGAIN I CONTACTED THE BUREAUS AND THEY REFUSED TO REMOVE THE ACCOUNT STATING THAT THE CREDITOR SENT THEM INFORMATION THAT THE ACCOUNT WAS MINE. I ASKED THEM TO PROVIDE ME WITH THE INFORMATION ALSO THE CONTACT INFORMATION FOR THE CREDITOR AND THE REPRESENTATIVE SAID THAT THE CREDITOR HAS NO NUMBER TO REACH THEM AND THAT I SHOULD FIND IT ON XXXX. I ASKED FOR THE FULL ACCOUNT NUMBER AND HE STATED THAT HE DID NOT HAVE THE FULL ACCOUNT NUMBER AS WELL. HE GAVE ME ACCT NUMBER XXXX FOR XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX {$76.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.
Product: Credit card or prepaid card

There were two XXXX  accounts opened in my name and ssn fraudulently. 

Company is Genesis FS Card Services XXXX XXXX XXXX XXXX, or XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX ), XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

My payment was due in XXXX and my account was placed on automatic payments since I have opened the account. The auto payment did not post and XXXX did not notify me or provide me with any warning. I only knew my account was delinquent when I received a notice on my credit report that my account was past due. XXXX was not given any consent from me to remove my account from automatic payments. They have not corrected the error and also lowered my credit line
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. Dispute 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 CFPBs findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per XXXX, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of XXXX customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction with SANTANDER on XX/XX/XXXX. And 1 year later I have not received my validation of the alleged debt pursuant to 15 USC 1692g. 

I do not believe I owe such alleged debt therefore I submitted a request to validate such allegate debt via a debt validation letter and cease and desist. 

Letter was received by SANTANDER offices XX/XX/XXXX and have attached such proofs below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not verified or  Consent  was not givin prior to reporting under the FDCPA.
Product: Credit reporting or other personal consumer reports

For the past couple of months I have been attempting to have extra remove any/all late payments or any other unsanctioned action on my consumers report that are not up to federal codes or in compliance with congresss congressional findings.

As per 15 usc 1666 states that there should be no transactions reported to my consumers report with my consent or authority. I have also asked extra to provide my with the laws granting them the authority to report negative remarks.

They have not responded. They have not sent any laws rebutting my claim. So I demand they removed the 4 months of negative items which are causing great harm and are not in accordance with federal laws.

See 15 usc 1681b permissible purpose and definition, as well as 1681c requirements related to information on consumer report.

To add congressional opinions see 15 usc 1692 a-k.
Product: Money transfer, virtual currency, or money service

I want to close the PayPal account, and I keep getting the run around about closing a non-existent savings account. I closed the account on XX/XX/XXXX. That account closed and the {$0.00} balance was placed in the PayPal account. I then had to donate the funds to zero the PayPal account before it could be closed, and yet they still say I have an active PayPal savings account. I have requested supervisors only to be placed on extended hold for the calls to never be picked up. only disconnected, I have been transferred to the " savings '' department several times to close the non-existent savings account, and so I am getting the run around. The savings account team can see the account was closed on the XXXX of XXXX but PayPal refuses to allow me to close the account due to an " active '' savings account. At this point it is nothing more that a fraud.
Product: Debt collection

On XXXX XXXX, 2016 I returned XXXX XXXX cell phone worth approximately {$650.00} by USPS with a tracking number : It clearly showed XXXX received the phone and even acknowledged receiving the phone yet they continued to say that i had not returned the phone. Then after repeated attempts to prove that i had returned the phone XXXX would not listen to me and said they were turninthe matter over to collections. Now XXXX has dramatically decreased my XXXX XXXX and has ruined my credit thereby increasing any item that I need to purchase by credit. Please immediately have them remove their false claim that I owe them for a phone that I already returned and restore my credit score. Please note that I also am filing compliant against XXXX with the FTC and the Consumer Financial Protection Bureau and the State of Oregon Attorney Generals office. When I called Oregon 's Attorney Generals Office they said that they have received numerous complaints against XXXX doing this very thing of taking peoples phones and then saying that the customer never returned it. Then they charge people for the returned phones. This has to stop. I informed the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX of these facts and they continue to harass me. Please note that this not a legitimate debt and please remove it from my credit report. Thank you. Please see below the automated email that I received from the FCC compliant I filed earlier today and their case #. Hi XXXX, Thank you for your submission. Your request has been received and assigned Ticket No.  XXXX. Throughout the complaint process, you will receive periodic emails updating you about the status of your complaint. If you have information to add to your complaint, please respond directly to this email. You can view a list of frequently asked questions at : XXXX XXXX XXXXXXXX. Your submission provides the FCC with important information we can use to develop policies to protect consumers, remedy violations of the Communications Act, and encourage future compliance with the law. Thank you for your help in furthering the FCCs mission on behalf of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. 
My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.
Product: Money transfer, virtual currency, or money service

I contacted PayPal on XX/XX/ around XXXX to let them know that my account had been compromised and used while I on there for {$1500.00} I also told them to close my account to prevent further usage of it. They did not do that. They told me they would resolve the issue in 10 days. Its been past 10 days and still nothing. I called and spoke with a lady named XXXX and she told that the case has been resolved and that money would be refunded back to my PayPal balance the next day. However it was not and I called back and could not get an answer from anyone. I spoke with XXXX ( a representative ) and he told me I should have had my money as well if it past the 10 day investigation period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity. 
Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : XXXX. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX b. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX PR XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Mortgage

In XX/XX/XXXX, I lost my self-employed company and was unemployed for over a year, My wife and I started a Loan Modification with XXXX in XX/XX/XXXX. In summer of XX/XX/XXXX XXXX held a one day negotiating with several lenders present. Bank of America was our lender and sat down with XXXX to deliver a Fifteen year, fixed rate at 2.00 percent. We signed loan docs and our payments XXXX were based on fixed rate of 2 percent taxes and ins added. We were told the loan was approved and the payments would begin within 30 days. We were sent loan doc 's on XX/XX/XXXX but ( Loan Modification Agreement ) did not read the docs due to all of our personal issues and did not realize a reputable bank would scam a innocent home buyer. We have now found that we never were issued a fixed rate. In fact a ARM and a Balloon payment in the end of this loan. We now this is an illegal act and XXXX was not aware of the fraud and abuse by Bank Of America. The loan is currently with XXXX XXXX who denies all possible liability. I was given CFPB information directly by XXXX.
Product: Debt collection

Company continuously calls my cell number and place of employment saying that they have legal documents to serve me. Company name is  XXXX  and they wo n't give me information except that I owe money and they want to settle on the spot and if not they will take legal action. They have all of my information and I wo n't confirm with them. I have told them if I owe money they can send me a debt validation letter, which I never have received. They tell me they have emailed me and I told them that is not the law. These people need to be stopp ed ASAP. T hey make life a living  XXXX  for people or try to.   XXXX  I have received calls from  XXXX ,  XXXX ,  XXXX  ... .and other numbers..
Product: Consumer Loan

Hello, I started a new job and told a rep this weeks ago and emailed the rep a few days ago also. I get XXXX calls a day then they email even after leaving a message or calling me to call them. I stopped calling them back now because I have asked for them to call me XXXX time a day after XXXX and also not to ever email me again and it has n't stopped. then a rep XXXX called me from her personal cell XXXX which is illegal! CNAC if you pull their phone records talk bad to me and I have paid perfect for 3 1/2 years! I want to sue this place for violating me and harassing me daily. please help shut this place down or make them learn to stop harassing consumers.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first XXXX pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Transunion : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX CCB XXXX Account Number : XXXX
Product: Checking or savings account

I am filing a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. I was often charged fees due to lagging posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

After review of my credit report I discovered accounts that were open in my name without my consent. GM Financial has a car note reporting that was a result of fraud. I filed an identity theft report as recommended by the FTC and took the steps needed to report the problem and remedy it quickly. After disputing with the credit bureaus XXXX refused to block or delete this account even with the identity theft report.The same information was sent to the other bureaus and it was removed.GM Financial was made away of this problem and it still has not been resolved. Although the account is not potentially negative I do not want it on my credit report because it's inaccurate and unknown to what kind of record it will lead to in the future. Time is of essence. I want this resolved ASAP.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting by Department of Education/Aidvantage on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of Education/Aidvantage

. My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXXXXXX  Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of Education/Aidvantage correct or remove the inaccurate payment statuses, specifically the XXXX late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score. 

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX