23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan has transferred between multiple mortgage companies and services in a short time frame. From XXXX, to XXXX XXXX XXXX  to Green Tree to Ditech in about late XXXX. In the process it appears that some of our payment history has been lost and continual changes in the format and communication of mortgage bills and escrow history have created what appear to be major errors in the reporting of my escrow balance. I wont this property with with a co-brorrowe who sometime around XXXX filed for bankruptcy. At that time, Green Tree discontinued detailed reporting of my payment history and escrow, but then after the bankruptcy was discharged began to state that my mortgage was past due and made reporting to the credit bureaus. 

Although I continued to make the mortgage payments, despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting, I went ahead and made the increase payments in hopes of correcting my past due balance. Now, I recently received a notice from Ditech that my payments again past due. The customer service rep stated that it is due to a change in escrow amounts. I understand that taxes and insurance amounts can change and therefore create a difference in my payment on an annual basis. However, the Ditech statements are extremely confusing and all of a sudden the Ditech representative is stating that I have an escrow balance of over negative {$12000.00}. This makes absolutely no sense, if my payments are being adjusted to reflect and overage and/or shortfall of my escrow. So, how in the world can or WHY IN THE WORLD would Ditech continue to roll forward a negative escrow in that amount. That seems to be like an additional debt they are saying that I owe that I am not in a position to take on, or and I interested in taking on additional credit for this property. 

I have contacted them multiple times in the past and my co-borrower has also contacted them but keep receiving varying explanations. I feel like they are taking advantage of our situation with the handoff from Green Tree and the fact that they know a borrower will try to protect their credit and might just go ahead and pay WHATEVER they say is owed. I have never heard of a mortgage company accusing a borrower of owing an escrow balance of {$12000.00} when the loan balance is about {$45000.00}, the taxes about {$2300.00} per year and insurance of only {$700.00}. This loan has only been with Ditech for less than 2 years.This seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently on XX/XX/2014 and is left with the balance of {$5400.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Product: Mortgage

On XX/XX/XXXX I requested a loan modification on my mortgage with Arvest Central Mortgage Company. I was given a 3 month forbearance in XXXX due to Covid and they were offering me another 3 months but what I wanted was to figure out how I was going to afford payments in the long term. 

I called numerous times and was transferred all over the system. I finally was told that my case would be reviewed and the term and interest rate could be changed to a 40 year loan. Not exactly what I had in mind but I was open to hearing what they would come up with. It is now 6 weeks since I started this process and haven't been able to get through to anyone, no written correspondence from them, as they assured me, no letters in the mail, no response whatsoever. 

I want to keep this house and I know this can be worked out ... but not if they aren't willing to speak with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX, XXXX XXXX {$5200.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX {$3200.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$2100.00}
Product: Mortgage

I have an equity line for {$38000.00}. Last year in XXXX 2014 I received a notice from my current lender - Wells Fargo, that this equity line was coming to term & payment in full was due XXXX 2014. The letter said that if I was unable to pay this I should contact them. I did repeatedly & tried to make payment arrangements but they kept saying that they could not accept anything but the entire balance. Since XXXX 2014 I have gotten letters listing options ( one of which is to make payment arrangements ) but when I call they tell me that payments are not an option. So why send the letter saying that?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting

I submitted online disputes and im supposed to recieve a corrected copy but when I request my report from all three credit monitoring services im told i already recieved my annual report and i have not recieved anything to date
Product: Checking or savings account

My daughter, XXXX XXXX, filed a complaint with the XXXX  and the Consumer Financial Protection Bureau in regard to her Capital One account. The complaint and summary are attached. In the response to her, XXXX included that Capital One tried to reach her and/or I on XX/XX/XXXX and XX/XX/XXXX. I have no calls from capital one on those days and neither does she. I do have calls from the collections department continuously harassing me, but when she calls in were informed that theres an ongoing investigation. So why am I being harassed? In addition, XXXX states that the complaint was submitted by an unauthorized 3rd party. So the account owner, XXXX, who submitted the complaint, is an authorized 3rd party? I am not even allowed to speak with anyone at Capital one without XXXX permission as her permission, so how is she not authorized to make a complaint? I stood next to XXXX as she spoke to a Capital One rep and was advised that money was removed from her account in error/in excess and that they would take care of it. Nothing has been rectified, and now her account is excessively negative. We were told that the account is closed but deposits can be made to make the account whole. XXXX reached out to XXXX XXXX who owes her a few refunds, and was advised that they are not able to issue the refund/make deposits because Capital One told them there is an ongoing investigation. So, to me they are purposely holding this up, so the account goes into collections. I tried to make a deposit on her account and received an error. When I called in I needed her permission to speak to them, and they told me the banking relationship was terminated and I could not make the deposit. So how are all other refunds supposed to come in to make the account whole? I am just tired of the run around and lies. At this point, XXXX has been financially trafficked and taken advantage of by a company who specifically created a student/minor option, but took advantage of a minor. Her account is now overdrawn {$1100.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion i sent police report and ftc reports many times but got refused and error. saying the police report was not honored and that the blocking or the removal of debt was not accurate. I was denied my right to privacy contacted all XXXX company about the information that was reported on my credit report with out my knowledge I also let the companies know that I was a victim and I need assistance on my behalf XXXX has a policy where I had purchased insurance from there conpany saying if I was a victim I will get help up to a XXXX dallors which never happened and they refused the matter,. I also try to upload documents which they said they didnt received but I know I uploaded documents on each matter with the cfpb they said they didnt receive any information from cfpb complaint.This matter has case me mental health issues denied loans and etc. I need help with this matter I took legal actions and they still not honoring the ftc reports and police reports I also reach out to actual companies they sent deletion letters and XXXX and transunion and XXXX still not honoring, breaking all my laws to uphold debt in my name illegally. XXXX XXXX XXXX  XXXX {$60000.00} XXXX XXXX  XXXX but they have it at a diffrent amount showed on the reports. see attachments.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to formally dispute and escalate an issue regarding inaccurate late payment reporting on my credit report for the account with XXXX  XXXX, account number XXXX, as reported by TransUnion . Despite submitting XXXX previous requests for correction on XX/XX/year> and XX/XX/year>, the information remains incorrect, constituting a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Error : In reviewing the two-year payment history provided by TransUnion, a 30-day late payment is inaccurately noted for XX/XX/year>. However : Payment records confirm that the payment was made within the grace period. 
No delinquency notices were issued for this period.

The reported 30-day late payment violates 15 U.S.C. 1681i, which requires credit reporting agencies to ensure maximum possible accuracy of the information in consumer files.

As stipulated by 15 U.S.C. 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The failure to correct this error suggests non-compliance with these legal requirements.

Legal Violations : FCRA : 15 U.S.C. 1681i mandates that credit bureaus investigate disputes thoroughly and correct inaccuracies. The persistence of this error demonstrates a failure to fulfill this obligation.

TILA : The inaccurate reporting undermines the Truth in Lending Acts aim to ensure fair and accurate disclosures to consumers.

PAANL : The Protection Against Non-Payment of Obligations Act further reinforces the necessity of providing accurate and timely statements to avoid penalties to consumers, which was not adhered to in this case. 
Desired Resolution : I am requesting the following corrective actions : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/year>. 
Written confirmation of the correction from TransUnion.

Verification of the updated report to ensure the information reflects my actual payment history accurately.

If this issue is not resolved promptly, I will escalate my complaint to include filing additional complaints with the CFPB and other relevant agencies, and I may explore legal remedies to address the harm caused by this error.

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and provide a timeline for resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account online ID was hacked and someone managed to change my XXXX  account password in XXXX. When I realized my account was hacked I worked with the bank to change my account ID and password, and I filed a fraud report on XX/XX/2019 with XXXX ; I don't know if someone had my SSN or not. Right around that time I noticed a Moneylion transaction in my bank account trying to withdraw {$500.00}. I contacted the bank and had them cancel that transaction. I closed my bank accounts and had new ones set up. Now I have a Moneylion account on my credit report at the three reporting agencies that shows a delinquency record. This is severely hurting my credit ( XXXX points! ) and the credit bureaus only say they contact Moneylion to verify it's real, but it is absolutely not even if Moneylion thinks it is. Someone must have opened an account in my name or something. This is a fraudulent account at Moneylion and I can't seem to fix it. I've searched the web for other cases like mine and I actually have seen a bunch out there with almost the same exact situation. I'm kind of at my wit 's end not knowing what to do and this is really hurting my credit right now and affecting my legitimate loan requests. It looks like the XXXX  has also revoked Moneylion 's business as there are too many complaints similar to mine. I'm hoping you can help. Thank you.
Product: Mortgage

Filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage so it wouldnt be affected. My bankruptcy was discharged XX/XX/XXXX. Since I filed bankruptcy my mortgage is Not being reported to the three credit bureaus even though I reaffirmed the mortgage. I was told to them reaffirming the mortgage just meant it gave me online access to my account. Im not stupid and know thats is not correct.
Product: Debt collection

I requested a letter, which the collector refused to do. I reluctantly agree to correspond via email. I also asked that they not call me due to XXXX XXXX at which point he mocked me. Then did not send the email when he said he would. I had to leave a voicemail for the collector to remind him to send it on Friday XX/XX/22. 
I received a call from the collector on XX/XX/22, After I requested to not be contacted by phone. The collector tried to say I called him which was not the case and I have proof otherwise. The collector then tried to pressure me into scheduling a payment at which point I told him I wasnt comfortable doing. I told him that I asked him not to call back to reach me via email as we agreed. He said he would just continue to call if I did not schedule the payment today.
Product: Debt collection

I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against TransUnion for its repeated failure to correct inaccurate and misleading information on my credit file, despite my XXXX dispute attempts. The account in question is being reported as a " charge-off, '' yet it also reflects a past-due balance of {$1500.00}, which is contradictory and misleading. 

Under credit reporting guidelines, a charge-off means the creditor has written off the account as a loss and no longer considers the debt collectible for its internal purposes. However, reporting a past-due balance on a charged-off account is inconsistent and violates the Fair Credit Reporting Act ( FCRA ) Section 1681s-2, which mandates accurate and complete credit reporting. 

Despite my numerous disputes, TransUnion has failed to investigate and remove this inaccurate reporting, which negatively impacts my creditworthiness. I have requested documentation verifying the accuracy of this accounts status, yet I have not received any valid proof.
Product: Checking or savings account

Cash app have closed my account twice for apparently no reason! I was told there was suspicious activity on my account which I rarely use cash app! They couldnt even explain to me why it was closed they just did it! I dont think this is right because they arent giving me any information to why they keep doing this and if someone is trying to get into my cash app account they arent trying to figure out whats going on just blaming me for everything and this is the second time they have done this to me without no explanation
Product: Credit reporting or other personal consumer reports

I have a multiple occasions, disputed inaccurate information on my credit report. I disputed these in accuracies through experience however they always come back with the information has been correct when I am sure that the account has closed or charged off. There are collections that I requested to be verified have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a loan, but the lender needed to have a credit report from all 3 bureaus. On XX/XX/2023, my lender told me they were only able to pull XXXX credit bureaus : XXXX and XXXX. They were unable to pull Equifax. So I called Equifax on XX/XX/2023 at XXXX. I provided all my information : XXXX, XXXX, Address, First and Last Name. They told me to mail them additional documentation : a letter stating that I need to update my information with a new address and phone number, a copy of my driver license, and a copy of my social security card. It has been 16 days since I mailed that information to them. They said that once received, they will update it in XXXX days. Today XX/XX/XXXX, I called them again and they still have not updated my information. They just tell me to keep waiting. This is unacceptable because I can not get the loan even after such a long time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I received a notification that someone gained access to my account and to reach out to support if it wasn't me. So I tried to log into my account via my phone number, was sent a code and it said " welcome back XXXX! '' And my name was always listed as XXXX so that is messed up. It asked how I would like to verify my identity before accessing the account and I selected each available option but it just pulled up this random person named XXXX information so the verification stuff was sent to that person, not me, the original owner of the account. I contacted support and explained all of this and they just kept saying the same thing over and over again. " You need to finish setting up your account, let us know when you've done it. '' I would say, I've tried all of that, what's the next step? '' And they just repeat it over and over again until they disconnect the chat because they, " can not help me and can not say anymore on the matter. '' I asked why and they said, " like we said, we can not help you with this matter but I'd be happy to help with anything else. '' Just over and over again, not explaining why or anything. I tried chat support four different times and got the same thing each time. So I went back online to try to select, " this isn't me '' during the sign in process when XXXX email pops up and then it just takes me to a screen that says, " for security reasons, you may not create a cash app account. '' No matter what I click, that error pops up. I feel like my information is unsafe and I have no control over this random person having access to my information and Cash app refuses to help me so I turned here because they already have an investigation going for not responding or helping during fraud situations.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX