23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon, My husband and I have recently contacted our lender/mortgage company ( 21st Mortgage ) regarding a request to change our mobile/manufactured home from personal property to real property. According to the Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all we need to do so is to fill out a Statement of Ownership with all needed information and mail it to them. Part of the information that they require for this application is written consent from the lienholder ( 21st Mortgage ). I have contacted them numerous times today, XX/XX/XXXX, and spoken with a variety of individuals- most recently XXXX, XXXX ( XXXX being the supervisor ) - all of who claim their company refuses to send the needed written consent, as doing so would lessen their stakehold on the loan. They are stating that we must refinance our loan with them in order to receive written consent for the request. 

I spoke with XXXX on XX/XX/XXXX at approximately XXXXXXXX and spoke with XXXX XXXX XX/XX/XXXX at XXXX. I asked to speak with their customer service department to file a complaint. They placed me on hold for over 20 minutes, someone picked up the phone and then hung up. 

When we purchased the mobile home, we moved it to family land and had permission to do so. We now OWN said land, free and clear, and would like to convert the property from personal property to real property IE : attach the home and land together. This will allow us to file a Homestead exemption and save money on taxes as well as open the opportunity to sell the home and land down the road should we choose to do so. Unfortunately, 21st Mortgage is refusing to assist us in any way- the refinance would cost us money that we simply do not have at this point and without the conversion from personal property to real property, we are continuing to pay more in real estate taxes. 

21st Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX
Product: Vehicle loan or lease

I was granted a loan extension for XX/XX/2020 and XX/XX/2020 due to the Corona Virus, which meant my next payment was due XX/XX/2020, said payment was made on time and Global Lending customer service employees continue calling advising that I my account is not current and my account is current. 
The extension was granted XX/XX/2020 which covered XX/XX/2020 and XX/XX/2020. 
Letter attached dated XX/XX/2020 from Global Lending confirming the extension was granted.
Product: Mortgage

In XX/XX/2023, our suburb was hit by a major hail storm, resulting in considerable damage to our house, including broken windows. We proceeded through the process of having the insurance adjuster come and assess the damage. In XXXX, we submitted the insurance check to Flagstar Bank 's Insurance Claim Check processing center. Since then, we have been unable to get them to release our insurance check so we can proceed with housing repairs. Every time we call the Insurance Claim Check center for Flagstar Bank, we are told they can not accept the contractor 's W9, citing there is a discrepancy between the contractor 's W9 and the IRS. However, the contractor says they are wrong and the W9 he has provided more than five times is correct. We can not get the insurance claim center to tell us what they see as the discrepancy. This issue has now been going on for six months and we can not achieve resolution. They still have our insurance check, and we continue to endure winter conditions with broken windows covered in cardboard in an effort to block the cold Wyoming winter weather from coming into our house. This has also resulted in substantially higher heating bills trying to keep rooms warm. We need the Insurance Claim Check processing center to get our insurance check released immediately so we can proceed with getting repairs to our home completed.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.
Product: Student loan

I contacted Mohela about the following matter. Mohela said I needed to contact Federal Student Aid for the following answers/information. So I contacted FSA and they said I needed to contact Mohela. So Ive been back and forth with no answers to the following..My loans were discharged by the Dept of Education under the Borrowers Defense Group Discharge . The payments I made towards these loans are to be refunded to me. Can you tell me the amount and when I can expect the refund ( s )? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are incorrectly reporting that I am ( 90-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and Utility Bill for identification purposes. ) These student loan accounts are in forbearance and should not be reporting. ( I have attached copies of the forbearance documentation for reference. ) These accounts need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these line items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was told by XXXX XXXXXXXX XXXX there is a credit fraud alert on my credit report through Transunion that needs to be removed in order for underwriter to continue with the loan process for a house purchase. I was supposed to close last Friday, XX/XX/XXXX. I called Transunion to see if I can remove it on Friday XX/XX/XXXX and was told the online version wont work, the phone call wont work, and no other options for fax/email. The ONLY option was to send it in my snail mail. Given the fact I pleaded my case I was supposed to close on the house on Friday XX/XX/XXXX. The supervisor and the agent I was speaking could not help. I am at risk of losing my earnest money deposit of {$38000.00} for a house I thought I was supposed to buy last Friday XX/XX/XXXX. 

Since there was no other option then to send in regular mail. I sent Transunion priority air on Friday XX/XX/XXXX the items they requested. Tracking shows they should receive the letter today XX/XX/XXXX. Even with the letter arriving today they said it may take up to 5 business days to update the credit fraud alert. So potentially, we are looking at Tuesday, XX/XX/XXXX when it is an issue that could have been easily resolved last Friday XX/XX/XXXX without the potential of losing my earnest money deposit or the house. I am quit disappointed in this process and has caused great hardship. 

The credit bureaus do not understand certain items are time sensitive and at times there are a lot of incorrect information on credit reports. I have never seen that credit fraud alert or the two phone numbers ( disconnected ) that were connected to the fraud alert. I only hope that the credit bureaus improve their process to allow for email/fax updates through secured/verified emails so this does not happen any longer.
Product: Debt collection

The end of XX/XX/year> I was told to leave the apartment that I had resided in so that I personally didn't have to face an eviction and was told by the then manager of the building that if I did leave when she told me too I wouldn't have to worry about anything. I do know that I paid {$80.00} dollars for my deposit to move in and was under the impression that that {$80.00} would cover the XXXX hole I know for a fact that was in the wall. I left XXXX couch because I couldn't carry it and that XXXX hole in the wall wasn't big enough to charge me {$1300.00}. I tried reaching out to the XXXX housing and they told me because it's in collections they couldn't help me. I've tried to call and talk with the debt collector to let her know I am currently homeless and I really don't think I owe them that much. There are no pictures to prove that I even did that much damage. I just need some help on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 reporting agency can not furnish a account withount my written instructions.

15 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 ) (! ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why XXXX, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX CARD XXXX, XXXX   XXXX, XXXX XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that you will immediately correct this matter. Thank you. 
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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help understanding how XXXX  and XXXX  and equifax just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Product: Checking or savings account

Hi I deposited a check in my account on XXXX which was mailed to me by some one selling a product on him. 
right after I found that the check was bad and it got returned. 

Then the bank closed my checking account and reported me to checks system as a fraud for the crime someone else committed. I didnt. 
I was actually only the victim Bank of America and checks system have closed my account since XXXX Since that time I tried to open a bank account in other branches of different banks but I was still failed to open a bank account even in a different bank. 
I respectfully want from the esteemed organization to investigate and solve my problem by taking my negative points OFF from the checks system and ask Bank of America for not doing justice with me so Ill can open a bank account in a bank. 

Thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and | 4.8!

financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Experian has not deleted the bankruptcy on my credit report. The bankruptcy is not on any consumer report, nor has it been reported by the courts. I have uploaded documents a copy of my XXXX XXXX  report from XX/XX/2024, and a court document stating there has not been a bankruptcy reported. XXXX XXXX has a current investigation on my behalf with Experian because the information that is being reported has not been verified by them. Experian is in violation if my consumer rights. This information has not been verified by XXXX XXXX and is not listed on my XXXX or XXXX report. If the bankruptcy is not deleted, I will seek legal action.
Product: Credit reporting or other personal consumer reports

I had my credit pulled by the XXXX major bureaus for obtaining credit through a lender I chose to work with and in XXXX hours Ive received about XXXX calls from other lenders, offering me products and services that I did not ask for. I know that the lender did not put in my contact information when pulling the credit report. 

The fact that the credit bureaus charge a lender for a credit report and then go around and sell my contact information to other lenders is insane and a violation of my privacy. The XXXX bureaus are Equifax, Trans Union and Experian.
Product: Credit card

Called Citibank MasterCard and told them somebody stole my credit card number and charged a bunch of items up to {$17000.00} in the state of Florida. I live in XXXX California and have actual possession of the physical card. Citibank is researching the fraud
Product: Credit card or prepaid card

I called Chase bank, my creditor and tried to make arrangements to make my monthly payments back affordable and they said had no other options but to close the account and liquidate it on me. 
My monthly payments was hiked from {$35.00} a month to {$89.00} a month and my interest charges went from {$3.00} a month to {$60.00} a month a year later after making regular payments on time. I opened the account XX/XX/XXXX and this change took place of XX/XX/XXXX. 
That is really high. I can see if I wasn't complying with the payments every month. They just grew a arm so large on me that I didn't knew exist. Loyalty and commitment isn't considered, holding a balance for certain periods of time is a disaster waiting with them. I wasn't expecting it. Especially since I make on time payments every month with no hassle. They tell me that the interest rates expired, but they want give it to me in writing. They fail to provide the interest rate policy information in writing every time I ask for it. The information is only shared verbally. For further information please feel free to contact me. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, has violated my rights. 

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 reporting agency can not furnish a account without my written instructions
Product: Mortgage

This complaint pertains to a previously made complaint case number : XXXX filed on XXXX XXXX, 2016. Today I have been trying to access the response on your website because the account has been disabled. During this past week I had a phone conversation with your office during which time they read the response offered by Ditech. I submitted an answer to their response on the following grounds : 1. their answer did address the money over and above my regular monthly payment which was paid over the course of approximately one year to reduce the principle. 2. my son, who has a XXXX became involved after multiple calls to Ditech to address our concerns was not satisfied. We were constantly shuffled around and told we would receive a call from a " supervisor ' that never happened. My son was able to procure an exel spreadsheet not shared with us before. My son and my wife both heard the ditch employee state that it looked like " the account numbers had been reworked numerous times and it did n't look normal ''. We are in possession of this exel document. There was {$7700.00} in " suspended balance '' that was never applied to the principal as intended. This amount suddenly disappeared in our most current statements. They answered that the money was reapplied to the principal. the principal on our statements has clearly not reflected this money. At the very least, they have forced us to pay interest on an inflated principal. Please note that if we are not addressing this with the correct department, we would appreciate a direction in which to go. Ditech will not meet with us because they say " they have done away with personal meetings ''. They have told us a supervisor would contact us in 6-10 days on at least 2 different occasions and now 6 weeks later, we are still waiting for the call.
Product: Vehicle loan or lease

Capitalone Auto Financing reported my account late multiple times when I have a bill of sale dated XX/XX/23. This company reported my account late multiple times in a 30 day period when it was not delinquent. Lost check from car dealership. Multiple issues getting the title.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 'S 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.