23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is harassment and penalizing treatment by XXXX XXXX aka XXXX XXXX aka XXXX XXXX, incorrect information reported to credit reporting agencies, misuse of escrow funds, over charges of escrows, forced insurance purchase, not abiding by established mortgage terms after purchase of loan from XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX. Hurricaine Florence hit XXXX XXXX my area was declared a disaster area by FEMA and the President. I  requested a deferment from XXXX, and was granted a via letter datedXX/XX/XXXXforbearance thru XX/XX/XXXX w/ my loan being current the next payment due XX/XX/XXXX for a total of 3 payments. Immediately upon being notified of the new mortgage servicer XXXX I contacted them early XX/XX/XXXX and sent copy of the granted forbearance. From that point I have received countless letters stating I was delinquent despite the approved deferment/forebearance. They sent me a letter on or about XX/XX/XXXX my wind and hail ( extra insurance NOT REQUIRED by XXXX ) was expired. That XXXX purchased w/my escrows Wind and Hail from their Ins. Co., ( Force Purchase,  XXXX a party to a past class action suit force purchasing Ins. for homeowners ) I on XXXX XXXX XXXX provided proof of Wind and Hail I purchased good thru XX/XX/XXXX and was paying for in good standing. This forcing XXXX to cancel their Forced Purchase. XXXX at that point Took funds from my Escrow Acct. and purchased Wind and Hail again at full price of {$1700.00} ( I was already paying for causing Duplicating payments ) ) causing my Escrows to go in arrears. They also are demanding xtra escrow above the needed balance to pay the bills. My monthly escrow payment went from {$240.00} to {$650.00}. 
XXXX XXXX pressured me to apply for a Loan Modification and sent applicable plan which increased my Mortgage Interest rate to more than 5.4 % from a 3.8 % I currently had. This would have given XXXX more than {$100000.00} over the life of the loan. I refused the modification and informed XXXX I would pay up what I owe n my own. I spoke w a male supervisor who threatened me if I did not accept the Modification plan that they would report to the credit reporting agencies late payments. I rebuffed and stated the previous forbearance d/t disasters should not report the forbearance as late or delinquent. I subsequently expressed XXXX was unfair, harrassing and deceptive in not explain consequences of a forbearance in my initial notification to them. I paid all owed mortgage payments w/I 3 months. and am current in my mortgage since. XXXX reported to the credit agencies 90, 60 and 60 days late payment even though I pain all owed. All conversations and calls to them have been recorded by them. I had an attorney sent a letter w/no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported by Discover Financial Services on my credit report concerning late payments allegedly made in XXXX, XXXX, and XXXX of 2022. I assert that these claims are inaccurate and request a thorough investigation into this matter. The reported late payments for these months are incorrect, as I have consistently made my payments on time. This misinformation is adversely affecting my credit score and overall financial health. Therefore, I request that Discover Financial Services provide concrete proof that these payments were indeed late. Statements alone are insufficient ; I demand documentation that definitively shows the dates and times of the transactions in question, including any logs from your payment processing system that can verify these claims. If there are any other late payments being reported by Discover Financial Services, I also demand proof of those payments, as I can only see the past two years of my payment history. This documentation should similarly include dates, times, and logs from your payment processing system.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, I do not live at this address and i do not have a business at this address. According to the fair credit act 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, 15 U.S. Code 6802 ( b ) ( 1 ) In general-A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Also15 U.S. Code 6802 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never received any notification saying that my information would be shared and who verified it? 

These are clear violations of my federally protected consumer rights.
Product: Credit card or prepaid card

I had to contact them on XXXX delegate occasions to adjust my APR I. Accordance with XXXX XXXX request. When they finally did it, it still does not show on my account online. It still shows 25 % and they said I was delinquent because there system had a glitch and everyday I paid it requested another payment! I have proof of all my payments and have never been late! This company is a scam. They have since lowered my credit card limit as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported me as deceased, I am not DEAD Fix my credit report
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Equifax credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My social security card, ID, and PNC debit card was stolen on XX/XX/2020 at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I was at my friends apartment when people we did not know showed up and went through my purse when I was not around and stole them. I contacted XXXX  and placed fraud on my account. I am going to file a police report and contact the SSA on Monday when they open.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, in light of CFPB recent lawsuit against Zelle, highlight significant issues with the platform. Despite using Zelle enormous of times and reporting discrepancies my financial institution and Zelle failed to investigate my concerns adequately. They expressed that recovering loss funds was impossible and tracking the money was unfeasible. The CFPB findings indicate zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the inaccuracies on my consumer report with consumer reporting agencies ( TRANSUNION, XXXX AND XXXX ) for months. They have knowingly reported false information. I have sent them multiple letters via USPS certified mail with electronic signature, so I know they have received them ; I also have invoices. My consumer rights have been violated for months, and I require a resolution. According to the FDCPA and FCRA, these accounts must be DELETED, not UPDATED at this time, because they have not complied with the law. Among the provisions they have broken are 15 U.S.C. 1681 sections 611 ( a ) and 623 and 15 U.S. Code 1681i - ( Procedure in case of disputed accuracy ). They had 30 days to correct these errors, but they failed to do so. I am also aware that I am eligible for statutory damages ranging from {$100.00} to {$1000.00} per inaccuracy. 

The accounts that I am listing below are the ones that they are still illegally reporting inaccurate information on, and I would like them all deleted : XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX  XXXX : ACCT # XXXX XXXX XXXX XXXX : ACCT # XXXX XXXX XXXX : ACCT # XXXX
Product: Consumer Loan

i missed XXXX payment and made arrenagements to pay in person as this company has payments coming from out my account, however they charged my account anyway and i received several overdraft fees and even when dealing with the bank they were not able to correct the issue and hug up on us. now they contantly harras me at work home via email and text message i have asked to not be called at work which i never gave the number and my company does not allow personal calls they do not respect my wishes and contact both me and my manager
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to correct of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX XXXX Balance : XXXX
Product: Debt collection

In response to Ditech 's letter, I have included the FTC Identity Theft Report and the Police Report in order for them to investigate further as they stated. As you can see, Ditech 's Mortgage Statement and Ditech 's Insurance Policy names me as the borrower and Ditech as the Lien Holder. Ditech has created a fraudulent account using my personal identification to unjustly enrich themselves. By creating a fraudulent account with my name and without my authorization, Ditech is in violation of the False Claims Act and a conspirator to defraud the U.S. Government. 
Because discharges of debts and new mortgages are not publicly recorded, these are excellent opportunities for Banks, Lenders, Mortgage Servicers, Foreclosure Law Firms and Title Companies to create fraudulent documents when needed to defraud the U.S. Government, Insurance Companies, Investors, Homeowners and the U.S. Tax Payers. A perfect example of this is that my property was previously and currently listed on XXXX for sale by XXXX XXXX XXXX. In XXXX XXXX loan purchasing sale contract in Addendum A it states : ( 5 ) No Recording. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the defualt provisions hereof. 
XXXX has stated that they received their loan file from Ditech. Both XXXX and Ditech have been receiving HUD disbursements in violation of the False Claims Act. In reference to my loan and subsequent foreclosure and eviction, Ditech and XXXX have violated the False Claims Act, SEC Laws, the FTC, the Fair Debt Collections Practice Act, the Fair Foreclosure Act, the Dodd Frank Act, the National Mortgage Settlement, committed perjury on the Courts and Bankrutpcy Fraud. Submitting fraudulent documents and omitting documents to the court to obtain a judgment in your favor, makes the basis for any case, weather ultimately favorable or not, fraud and the case itself and the documents  contain therein still fraudulent. 
I am XXXX XXXX due to an accident and suffer from XXXX XXXX as a result of my injuries. This disturbing process of foreclosure and eviction has exasperated my already painful and XXXX medical conditions and caused new ones to develop. My husband has XXXX  XXXX XXXX and also suffers from XXXX XXXX, and is seeing a XXXX for XXXX due to these false claims, the foreclosure, and the imminent eviction from our home. The results stemming from the fraud that has been committed against our family including our XXXX children, have been devastating, both in mind and body and caused tremendous emotional distress.
Product: Debt collection

I received a notice to collect a debt from this company XX/XX/2021 and I sent debt validation letter on XX/XX/2021 asking for information regarding this debt. I sent another letter on XX/XX/2021 because I never received any communication except the letter that was mailed to me dated XX/XX/2021. I sent a letter requesting this debt to be removed as no communication was received from my second attempt to resolve this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Dignifi is in violating my rights as a consumer under laws 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S Code 6802 Obligations with respect to disclosures of personal information ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681a - Definitions ; rules of construction consumer report ( 2 ) Exclusions. ( i ) report contai
ning information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I have XXXX accounts with XXXX XXXX. Account # XXXX- the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with XXXX  with paying them {$700.00} " XXXX. Account # XXXX the account is reporting to credit bureaus as charged off and late. " I have settled the account the account with XXXX  with paying them {$700.00} "
Product: Credit reporting or other personal consumer reports

I looked on my credit report and I seen that XXXX XXXX XXXX  ( code : XXXX ) credit my account in the amount of {$8400.00}, but that account shouldnt be on there!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX 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 CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX Date XXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ford Credit shows on my credit file as opened XX/XX/2008. This account shouldn't show on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has mislead me to apply for credit cards, installment loans and car loans only to get denied. The company claimed I was pre approved each time. I have ao many derogatory marks due to the company pressure to apply with a guaranteed approval to not have anything. Plus the would report my score was one thing. Went to a dealership and my score was almost 100 points lower. So disappointing and frustrating when your trying to be a independent American. Credit karma
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX Slate XXXX XXXX, Fl XXXX Removal of Fraud alert and Removal of personal statement. 

Please accept this as a former request to remove both my Fraud alert and Personal statement from my credit report as I have had the opportunity to get a better handle on my credit affairs.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are reporting several derogatory accounts on my Creditreport. I was in XXXX data breach where all of my information was stolen. Ive disputed this information because Im a verified fraud victim. This has caused negative reporting and a significant decrease of my credit score. Those fraudulent accounts should be removed, instead theyre being re-investigated over and over. I want those negative accounts removed.
Product: Debt collection

Last night I checked my XXXX XXXX  account. I looked at my credit score and it showed a collection was due. The agency that reported the debt was XXXX XXXX. It dropped my score XXXX points. I contacted my bank the following day and they said I had no collections coming from them. Then I contacted XXXX XXXX, they additionally said there was no collection from them. The date listed was from XX/XX/2021. After that I tried contacting the FTC and they eventually had me do a complaint on consumer finance.
Product: Debt collection

I have received XXXX phone calls today, XXXX calls yesterday and two calls a day on a {$92.00} debt that I owe. They do not leave voicemails or really have any information they can give me on the dates and time i owe the debt. They say it is for XXXX XXXX. They are calling me at work and I 've been reprimanded for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is alot of stuff on there and i have called the companies and advised them there is no way that was me someone used my info i was in prison and then a half way house for 3 years in XXXX, fl
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not up date my account XXXX XXXX account to paid and XXXX  balance. I paid This account off.