23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage servicer Fay Servicing , LLC obtained my loan from Caliber Home Loans on XX/XX/XXXX. Prior to servicing transfer to Fay Servicing , LLC, I was in the process of getting a XXXX modification. 

Fay Servicing , LLC refused to honor the in-flight transfer of the XXXX modification in process and required me to re-apply. 

Fay Servicing , LLC required me to re-apply and in XX/XX/XXXX I was denied. The stated reason for denial was ( excessive modifications ). However, when asked for guidelines in reference to the maximum modifications allowed, Fay Servicing , LLC could not provide them. 

Fay Servicing , LLC continued to move forward with the foreclosure process while suggesting that I was being considered for a modification. Fay Servicing , LLC representatives have stated I would not be approved if I applied again and suggested that I do not apply as I would be wasting my time. Fay Servicing , LLC would not review any further applications for assistance. 

The actions of Fay Servicing , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

Fay Servicing , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response and a Notice of Error dated XX/XX/XXXX Lastly, I have a ratified contract to sell my property on XX/XX/XXXX. I have provided the requested information to Fay Servicing , LLC. This would pay Fay Servicing completely off and allow me to receive funds to move on to a new residence. Fay Servicing is denying the request to postpone and allow me to sell the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I pulled my credit report. Wanted to get ready for loan to buy new home. 
I saw that XXXX  and Experian credit reports have XXXX  XXXX XXXX XXXX  entries in COLLECTIONS status. I did not go to XXXX XXXX XXXX during the periods that these services were provided. 
XXXX XXXX went to XXXX Hospital thinking that they put someone else medical fees against me by mistake. I have never been contacted by anyone about the labs. They looked me up and that I was self-pay with no insurance was listed and they had my home address incorrect in their database. This is when I found out that the labs were from XXXX at home care. During this time period an XXXX hospital gave me a XXXX XXXX that required at home health care by XXXX. XXXX, without my knowledge took my bloodwork to XXXX   XXXX XXXX without XXXX insurance information on the paperwork. I asked XXXX Hospital for copies of the XXXX  forms XXXX   submitted and all of them had my correct home phone number. I was never called. XXXX knows my correct home address since they provide " at home care '' but they were not asked. Since Obamacare, everyone has insurance but they had me down as " no insurance ''. I mailed a letter to the address they had listed for me to see what response the USPS would give them. A week later, I received the letter back from the USPS stating that it was the wrong address. So XXXX  Hospital would have been told for each incorrectly addressed bill that it was the wrong address. Instead of doing any basic or minimal due diligence to contact me ( call my phone number, get with XXXX for my correct address, or XXXX  my address ), XXXX  Hospital used the credit report system to harm my credit. I had to contact XXXX  Hospital two more time to push them to file their claims with XXXX. They were paid within a week of their actually filing claims with XXXX.
Product: Mortgage

My mortgage company Ocwen loan services keeps repeatedly calling our home after XXXX. They have called three times after XXXX. When we have asked them to call during normal calling hours they claim that they are. Tonight I received a call at XXXX and last night they called at XXXX. This is harassment and I would like for it to stop immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to buy impact windows for my apartment. 
Loan was paid every month, no late payments, some extra payments and loan was paid off full by XX/XX/XXXX. At that time the account was reported without issues to the credit bureaus. 
XX/XX/XXXX, 2 months after the account was full paid off, the loan reappeared to TransUnion credit bureau as a new loan and my credit score went down XXXX XXXX. I contacted XXXXXXXX XXXX XXXX XXXX XXXX  and the loan was : paid off, XXXX XXXX no payments due. I asked them to closed my account and report it closed and in good standing to the Credit Bureaus. The problem was solved ( I believed ) and my credit score went up again. 
Yesterday, XX/XX/XXXX, a year after, the same account reappeared in my TransUnion credit report ( account opened in XXXX and reactivated some how in XXXX, never closed ) and my credit score went down again XXXX XXXX 
I went online to the portal XXXX XXXX XXXX and y account is active, XXXX balance, no payment due. They never closed my account and they are reporting the account like a fresh account to the credit bureau 1 year later. 
This is an ongoing problem for more than a year without proper solution. 
XXXX XXXX XXXX XXXX XXXX is somehow misreporting to the credit bureaus again and again, they should be more responsible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, BELOW CITIBANK THAT REPORTED INACCURATE INFO, PLEASE CORRECT LATE PAYMENT INFO ON XX/XX/2024 PROOF OF PAYMENT ATTACHED # CITICARDS CBNA account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SD XXXX, has violated my rights. 

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Closed Accounts If you furnish information to a CRA on a regular basis, you must notify the CRA that a consumer has voluntarily closed an account the next time you send information that would normally include that account. This is important because some users of information may interpret a closed account as an indicator of bad credit unless you clearly disclose that the consumer, not the creditor, closed the account. FCRA 623 ( a ) ( 4 ) If a CRA notifies you that a consumer disputes information you provided, you must : investigate the dispute and review all relevant information provided by the CRA about the dispute ; report your findings to the CRA ; provide corrected information to every CRA that received the information if your investigation shows the information is incomplete or inaccurate ; and modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX regarding its handling of my student loan information and potential violations of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974.

Complaint Summary : Unauthorized Disclosure of Student Loan Information FERPA ( 20 USC 1232g ( b ) ) protects the privacy of student education records, including financial transactions associated with student loans. 

XXXX, as a servicer of federal student loans, maintains records that contain my personal information, including but not limited to my name, Social Security number, and loan repayment details. 

I have reason to believe that XXXX improperly disclosed or mishandled my personal student loan records without my authorization. 

Failure to Secure Personal and Financial Information The Privacy Act of 1974 ( 5 U.S. Code 552a ) states that agencies maintaining records on individuals must ensure the security and confidentiality of those records. 

Nelnets handling of my financial and personal data appears to lack adequate safeguards, leading to potential breaches of my privacy. 

I have encountered discrepancies in my loan servicing records and have received communications that suggest third-party access to my personal data without my consent. 

Lack of Transparency and Response to Privacy Concerns Despite multiple attempts to request clarification from XXXX regarding the handling of my records, I have not received a satisfactory response. 

My inquiries about how my personal data is stored, shared, and protected have gone unanswered, further raising concerns about potential violations of FERPA and the Privacy Act.
Product: Credit card or prepaid card

Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.
Product: Mortgage

so, my mortgage company USBANK pays for our home insurance every year. 
The insurance company, XXXX drops us every year after they get money from USBANK. only later to claim that they have never dropped us to began with. this has went on for XXXX years, long story short, my monthly payment has went from XXXX to as of XX/XX/year> to XXXX a month due to missing money in my escrow account. the bank say that i was supposed to receive money back from XXXX XXXX, which i never have received. we did how ever receive a check from XXXX XXXX XXXX  for XXXX which we paid back to USBANK and have sent in bank statements to back it up. i have even faxed said bank statement to USBANK, which yet again, they say they didn't receive. USBANK is saying that XXXX checks essentially sent out, but i'm accountable for? again, the only insurance check i have EVER received was from XXXX XXXX. which i deposited in my bank account and paid USBANK.
Product: Credit reporting or other personal consumer reports

THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, 2024 I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating & quot ; They do not report any bankruptcies to anybody. & quot ; So if that & # 39 ; s the case. Per the FCRA 623 ( a ) ( 5 ) : & quot ; If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file & quot ; and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone & # 39 ; s credit report.

Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : [ XXXX XXXX ] FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.

Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.
Product: Debt collection

I obtained my credit reports and found this debt on my report. I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2021 and it was received by their office on XX/XX/2021. The USPS tracking number is XXXX XXXX XXXX XXXX XXXX and the company has had ample time to respond to my request ; however, to date, I have not received any validation of this debt or any response whatsoever from the debt collector.
Product: Credit reporting or other personal consumer reports

I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit reportXXXX XXXX XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the SBA as of XX/XX/2022 about this issue of them having the wrong person in this bill. I have filed the FTC report for identity theft and have not gotten a response from them on this. I have made MULTIPLE calls to them in which they have given me contact emails and numbers that DON'T work!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Debt collection

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Product: Checking or savings account

Wells Fargo has also opened an account in my name without me even knowing about it. They have since closed this account.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Ive been trying to receive a wire as well for days! Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681i which mandates the responsible investigation of disputes. Furthermore, Equifax'sactions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides customers with the necessary proof of Investigation.

These are the account that I marked as in accurate 1. XXXX XXXX XXXX 2. XXXX XXXX A 3. XXXX XXXX : XXXX