23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing in the hope that you can assist me in my over yearlong effort to have XXXX XXXX unitsCoordinate to assist me. I thank you in advance for reading my letter. 

I have a mortgage from XXXX for my condominium in Florida, purchased in XX/XX/XXXX. Thiswas and remains my property and the one that I hope to retire in with my family. The loan was and remainsan interest only loan for {$460000.00} at a rate currently of 3.750 % Like so many other Floridians in the past few years, I faced financial difficulties which put me behind in mypayments for a number of months. Two years ago, I was able to resolve all issues with XXXX and fulfilledtheir conditions that allowed me to a ) avoid foreclosure and b ) achieve a good standing in Astoria 's eyes. Atthat time, they asked me to ensure continued timely payments, secured at 3.50 % rate until XX/XX/XXXX 
recently received the notice that the rate will increase onfrom {$1900.00} to {$2000.00}, with the rate increasing to 3.75 % and for interest only. 

My problem, and the reason I am writing to XXXX and now to you, is that for over a year, I have beenspeaking with their loss mitigation department and provided documentation to every document andquestion they asked. Please understand my frustration since after all this time, they tell me that do nothandle refinances - precisely what I have been asking for. As I have presented in the documentation, I havebeen able to better my financial standing significantly, both my reducing my debts while increasing myincome substantially. 

In XX/XX/XXXX I contacted the refinance department and spoke with XXXX XXXX XXXX, who was veryenthusiastic when taking my information and providing me information on your refinance programs, specifically of interest because as an Astoria customer I could avoid some or all closing cost. 

On XX/XX/XXXX, at XXXXXXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; wrote : Hi, I need you to replyto the other email that I sent that has a subject line of " Rate lock '' XXXX XXXX XXXX NMLS # XXXX. 
XXXX Italics added XXXX. I did so and spoke with her the next day. She said she would call me back rightaway and after not hearing from her for a week, I called only to have her tell me that because I was workingwith the Loss Mitigation department, I would not be eligible to refinance with Astoria. 

When I spoke again with the Loss Mitigation department, they explained that they only handledmodifications on the current loan but that would not include any long term agreements, i.e., any refinancingof the loan. They also stated that they recognized my point and that their departments do not speak toeach other and that this " was something Astoria was working on ''. 

Astoria 's Loan Mitigation department has all the information they have requested, and since I have had toupdate their request on multiple occasions, I can easily and quickly provide the most updated within 24hours of the request. 

I would be extremely grateful for the Bureaus assistance in getting Astoria to respond to my request tomove from an interest only loan to a fixed rate. Thank you.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 XXXXXXXX BALANCED {$420.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX BALANCED {$700.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$480.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit card or prepaid card

I lost my direct express card. I called direct express at XXXX. They said for a small fee that would be deducted from my card balance, I would receive my replacement card in 5 to ten days. on the 11 th day I called as had not received it. They said my new card was issued on XX/XX/XXXX. then a support person told me it would be 21 working days. I said if I was told it would be a month I would have taken the option of XXXX XXXX. It has been 36 days, I can not access any of my money or pay any bills. The last thirty calls to them, after giving the requested information, my name, ss #, and DOB, I am either hung up on, disconnected or they say they are transferring me. I have been placed on hold for over 2 hours before hanging up and calling back. The same treatment again, by every single support person that answers. I have asked to speak to a manager, They will transfer me they say, no one ever picks up. there is nothing I can do. they will not answer any questions or say anything to help. just hang up or put me on hold indefinitely. I still have no card, no answers, no money, no help, and no idea what to do or who to complain to. absolutely unprofessional, insulting, condescending contumelious attitude, this has damaged me, cost me money, and hurt my standing with creditors, yet they do nothing.
Product: Debt collection

I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate
Product: Mortgage

XX/XX/XXXX Loan Modification executed as a XXXX XXXX. 
XX/XX/XXXX Selling home title company sent Payoff Request. ( Attached ) {$84000.00} mortgage pay off {$110000.00} XXXX XXXX allowed the agreement ( Attached ) XX/XX/XXXX called PHH assigned to XXXX case manager. 
XXXX submitted via email receipts, bank statements of XXXX in documented XXXX  improvements allowed by the XXXX XXXX Agreement. 
XX/XX/XXXX XXXX for XXXX  XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX call me and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX Left voicemail for XXXX and received no call back. 
XX/XX/XXXX Called spoke to XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called spoke to XXXX said he would have XXXX  call me and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX XXXX said he would have XXXX  call me and received no call back.and received no call back. 
XX/XX/XXXX Called asked for manager of XXXX said there isnt one for me to talk to. Asked for a USA CSR rep. 
XX/XX/XXXX XXXX took my call said they would message XXXX and or call me back. 

I have asked each person on the recorded line for their accounting of the XXXX  XXXX  I have submitted and allowed by the XXXX XXXX Agreement. I have emailed since XX/XX/XXXX costs with receipts and bank statement backups of XXXX  XXXX that would reduce their XXXX XXXX from XXXX down by XXXX in valid XXXX  XXXX. Each time I call I ask for what is approved and the new number. No one can seem to provide me this. My home closes on XX/XX/XXXX and that XXXX would be a huge cost savings to me on my payoff. 

Added confusion is the layers of this place. My loan was with Ocwen, but now payoff comes from XXXX c/o PHH Mtg. When you call the number on the payoff, they send you to Ocwen and no one is in XXXX, but XXXX. Language barrier is horrible. 

They need to be accountable and available with assisting me with this final payoff amount. I am getting the run around, complete avoidance and I feel this is done intentional to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

Tue, XX/XX/year>, XXXX XXXX XXXX Has been send me alot of email every couple of days to try and resolve this i emailed him back & explained this debt has been removed off all XXXX of credits when the original company try collecting on me and he continues to email after i asked him to stop emailing me. i have attached picture of email dates below
Product: Debt collection

Text message regarding contacting Radius Global Solutions LLC., at XXXX about rights regarding a recent letter / make payment. I have not received any letter and do not expect to receive one. I am well aware of the very little debt that I currently have. I am in good standing. There is No reason for Radius Global Solutions LLC., to contact me via text message to my phone or any other communication method regarding any matter.
Product: Money transfer, virtual currency, or money service

I have a line of credit through Pay Pal who uses synchrony bank. I have had the account over a year and in that time I have never missed a payment and often pad more than half the total bill quarterly. 

I went to purchase some XXXX presents and found that my credit had been cut in half ; which greatly impacted my credit score. Which is also why I would routinely pay larger sums on the account. 

I contacted customer service who said they sent me a letter. They did not. I was told they could change the available credit at anytime. I asked them where that said that in the initial agreement ; they were unable to provide that with my signature. I asked them to fix my line of credit and I was told that there was no one who could manually change my credit. The credit agreement I had with the bank was for XXXX $ and in that time I was very responsible. I also make more money this year than I did last. I understand the economy is XXXX right now but, why should people who use their lines of credit responsibly be penalized?
Product: Mortgage

We began an initial online refinancing process with AmeriSave Mortgage Corporation on XX/XX/XXXX with the below person. 
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Desk On XXXX, XXXX asked for our credit card because they charge {$500.00} instead of an origination fee. We told him we hadn't heard of companies charging up front. What if the loan/underwriting process approval didn't go through and then we had already paid? He assured us there were no issues so we gave the credit card # and was charged the {$500.00} for loan closing. As soon as that payment processed, any verbal communication/normal phone servicing with XXXX ceased. He did not call us despite several attempts on our part. AmeriSave is having an issue with our HELOC and either wanted us to close that or the refinance would push out at least another 60 days for subordination per their email. Never did anyone pick up the phone and call us to discuss. It's just all automation and we can't get out of it. Those are unacceptable options for us and so we have decided to cancel our refinance with this company. XXXX has not responded so we put in an email to their servicing department on XX/XX/XXXX. We received a reply same day from a rep and that she would forward our concerns to XXXX XXXX supervisor. 
XXXX XXXX Customer Service Representative AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX On XX/XX/XXXX, still no response so we emailed XXXX again. She responded back that she sent a 2nd request to the supervisor, XXXX XXXX. It is now XX/XX/XXXX and still no response.
Product: Money transfer, virtual currency, or money service

During the years : XXXX and XXXX, I utilized Zelle the app and with my Bank XXXX XXXX XXXX ) and was not giving the proper disclosures/notification when I was sending and receiving money. Before sending my funds I did not receive notification stating " Are you sure you are sending this to the correct/right recipient ''. Now in the year XXXX, I do receive this notification before sending my funds to the desired recipient. This is why I am filing this complaint for the years : XXXX, and XXXX, where I used Zelle and was not given the proper disclosure ( XXXX ) as I am today. This is not lawful and I feel wronged, as I was not given the proper warnings during that timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.
Product: Debt collection

Capital One has refused to delete this fraudulent account from my credit report. They are in breach of contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as XXXX. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding my experience with Zelle, a digital payment service offered by my bank. I have encountered a situation where Zelle 's system failed to protect me. I am writing to formally express my concerns regarding Zelle 's handling of disputes, with regards to the recent CFPB lawsuit highlighting the significant issues with the platform. Please bear in mind, I have used Zelle several times and have reported discrepancies but my financial institution and Zelle have failed tremendously to investigate my claims adequately. Despite reporting the issue to both Zelle and my bank immediately, I was informed that trying to recover the lost funds would be impossible and that tracking these transactions would not be possible either. This has left me in a difficult financial situation, as Zelle has failed to provide adequate safeguards or remedies to avoid such matters. I believe Zelles lack of prevention measures and its refusal to assist in reversing the fraudulent transaction are significant issues that need to be addressed to protect consumers like myself. In regards to the CFPB 's findings clearly indicates that Zelle has completely neglected to protect consumers but has even more terribly allowed these repeat offenders to exploit the system, leaving consumers vulnerable to scams and fraudulent attacks. Overall, this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I am requesting that the CFPB look into the practices of Zelle and the broader issues surrounding its consumer protection policies, particularly related to prevention measures, dispute resolution, and how financial institutions can better assist customers in the event of scams. 

Thank you for your attention to this matter. I would appreciate any guidance or assistance you can offer regarding how to resolve this issue.