23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> our house was severely damaged due to water damage. Our insurance company has cut checks for the damage. At this moment it is approximately $ XXXX pending another transaction. 

The mortgage company won't release the funds even though I have provided all paid invoices, contractor estimates, copies of cashiers checks to the general contractor, paid inspection that the mortgage company requires, material list, and more. 

I have now maxed out my line of credit and credit cards to pay for the damages that they are holding the funds from the insurance company. From what I understand in looking into this that this is a huge problem that several individuals endure. I am now paying additional interest for the XXXX that I have paid out of my pocket. Additionally, I have to pay an inspection fee even though I provide pictures of the project. 

Since there was water damage I had to gut the house down to the studs XXXX. They provided a total payment of under XXXX to date. We had to pass the mold inspection and then rebuild the house. The first inspection was done after the insulation and subfloors were put in. I was required by the XXXX to sign a blank document attesting to the the repairs that he wasn't allowed to show me. Then the report came back that the house was 20 % complete with out taking into consideration that the entire house was gutted to the studs. They promised manager review since XXXX. I finally got one and they approve XXXX K which doesn't even cover what I have already paid. That was after having to call weekly and requesting in an email for the management review to be completed which took 3 months. 

I am at my witts end with this process. I have never made a late payment. It has been 10 months since the house was livable. The house will not be completed until XXXX at the earliest. However, I do not have anymore money that I can front. They will not release funds until the house is at 50 % ( when they haven't even paid XXXX  % of the claim ) so what happens now? Why is the mortgage company able to hold funds that the insurance company has paid for. That money isn't theirs and it's to repair the house that they provided the loan. I am required to keep the loan current but there is no one regulating them? I have to call an XXXX number to the loss draft department for shellpoint ( new rez ) and speak to someone different everytime. The claim person doesn't respond or escalate an issue and only communicates via email. They require me to pay for the inspection for them to release the funds that my insurance paid and I paid the insurance company for the policy, not them. How do I resolve getting the funds released, the interest that I am paying for because of them, and my credit score affected because I had to use XXXX of my line of credit and now my credit is maxed out.
Product: Debt collection

XX/XX/year> {$250.00} which I dont recognize until now I already spoke with US bank and stilt hurt my credit score Almost XXXX years I have been treated unfair by this company and credit XXXX XXXX XX/XX/year> I have a car loan with this company my payment was {$320.00} a month and my engine blows out they told me I can still make payments {$120.00} instead in order to fix it my engine after we were agreed with them I did what supposed to do and fix pay off my car and they reported me as late payment
Product: Mortgage

On XX/XX/2021 a loan modification agreement between myself and Loan Care mortgage company was signed and notarized ( see attachment 4 ). 

Loan Care has continually violated the terms of the agreement. 

Monthly payment were set at {$450.00} ( see attachment 2 ) and have repeatedly been adjusted in violation of the agreement. ( See attachment 2 ). 

Payments continue to be made into the escrow account, which I have requested on numerous occasions, be stopped, and be transferred to my control AS PER agreement terms ( See attachment 3 ). This is AGAIN a violation of the agreement. 

Im requesting that the Lender, Loan Care, comply with the legally binding agreement that was signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX & Equifax )
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies on my credit report. Despite my continuous efforts to remove these discrepancies, my credit report remains tainted with inaccuracies that have a detrimental impact on my financial well-being. 

The inaccuracies I have been trying to address include ( but are not limited to ) : There are late payments incorrectly listed on my credit report, which do not accurately reflect my payment history. 

I have disputed accounts that do not belong to me, yet they continue to appear on my credit report. 

I have made numerous attempts to follow the procedures outlined by the Fair Credit Reporting Act ( FCRA ) to rectify these inaccuracies. In each dispute, I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

Regrettably, my efforts have not produced the desired results, and I continue to face the following problems : My previous dispute letters and supporting documents have received inadequate responses or have gone unanswered, leaving me uncertain about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. 

I kindly request that you conduct a thorough investigation into these inaccuracies and rectify them promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts as proof of my earnest attempts to rectify these inaccuracies. I am asking for your immediate assistance to remove these fraudulent items in my credit report in 3 credit bureaus : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX XXXX for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements.

This false reporting is damaging my creditworthiness.

Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer.

Credit bureaus must not allow this illegal practice, and this account should be immediately deleted. 
Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validation of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that XXXX XXXX has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.
Product: Credit reporting or other personal consumer reports

I have tried to dispute some fraudulent accounts on my credit report and the paperwork I am submitting per the FCRA is not being attached properly to my disputes and not getting processed correctly. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Student loan

My recertification date listed on my XXXX  site lists XX/XX/XXXX as my recertification date for my XXXX XXXX repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times both via message and long phone calls to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.
Product: Debt collection

Robo calls come in every day at least 4 times a day. I was only able to speak once with a representitive who told me more than 90 days ago that they will no longer call, but they still are and they still leave robocall voicemails telling me they are a collection agency. need it to stop.
Product: Bank account or service

Yesterday, during a routine call to Wells Fargo to order checks, the employee said I was eligible for a better credit cad and referred me to another employee in South Dakota named XXXX. He examined my accounts and discovered that I had two checking accounts and no savings account. He suggested repairing this situation, and did. Today I read in the paper that Wells Fargo employees have been issuing unwanted accounts and charging us for them. Wells Fargo has been fined a lot of money. Am I eligible for some of it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not Removed the Negative Information below after initiating a Dispute ... 

I have Attached Documentation which is a Letter of Deletion from the Data Furnisher and Debt Collection Company XXXX XXXX XXXX Regarding the Derogatory Account # XXXX ..
Product: Credit reporting or other personal consumer reports

I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for review. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any MERS loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more fraud.
Product: Debt collection

The debt collector has been charging interest on my medical collection since the beginning around 2016.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act. The account under 15 usc 1681. 
XXXX XXXX XXXX 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 its also states a consumer reporting agency can not furnish a account without 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 other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX my income tax refund check was deposited into my chime account at XXXX about XXXX XXXX XXXX two separate unauthorized transactions were made in the amounts of {$2400.00} and {$1600.00} to the USPS XXXX I noticed that my account was hacked into cause I gotten a email stating my phone number was changed and I was at work at the time this happened. When I got off at XXXX and by the time I got to a ATM machine to try and get funds off my account I couldn't. That is when I noticed that my account was drained. I immediately called Chime and I also filed a police report also. I told Chime that my entire income tax check was stolen. I had to go through a long process of getting back into my chime account just to see what was all taken. I have been trying to dispute the two transactions for over a month now. Trying to get my money back. Please help me please. Chime is not wanting to give me my money back. I have several witness and a police report. This will be the 3rd time disputing the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 

As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place. 

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties. I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 

Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX. XXXX, XXXX XXXX : XXXX  ( XXXX ) XXXX XXXX XXXX XXXX date : XXXX. XXXX, XXXX XXXX : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX date : XXXX. XXXX, XXXX XXXX : inquiry date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquiry date XX/XX/XXXX XXXX XXXX : inquriy date XX/XX/XXXX XXXX : inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + XXXXdata breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX ( XXXX )
Product: Checking or savings account

My check was deposited on Wednesday XX/XX/XXXX. Capital One never deposited in to my account and I cant access it. I called Thursday morning XX/XX/XXXX and I was told there was nothing they could do or I could do that it should be fixed by the end of the day. It is now XXXX and I still have not been informed on any resolution or even relief
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing with Transunion since last year with the Bankruptcies that is on my consumer report, yet it still has been a life burden on me and my family. I have disputed the bankruptcies for so long and it aleay came back verified. The method of verification, that they provided to me was thru XXXX XXXX. My credit file has been frozen since last year with XXXX XXXX, and also I have verified thru XXXX XXXX, that I do not have any bankruptcies on my consumer report. On XX/XX/2023 I made a complaint against them to the CFPB and their ( XXXX ) complete investigation came back ( verified ) like always. I have uploaded the documents of the information that I received from XXXX XXXX. This is my second complaint to the CFPB against Transunion. This has held me bound for too long, because of this. I have been trying to buy me a house and this has damaged my reputation. This is a very stressful ongoing issue of reporting inaccurate accounts .This is also a Violation of 15 U.S.C 1681b.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 not possible. 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 consumer safety.
Product: Bank account or service

I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see page 14 of the attached credit report. ) These XXXX XXXX were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing deceptive information to Equifax that is incorrect. This debt has not been validated and Equifax has provided no evidence to me that proves this debt is mine. No notice has been sent to me by Equifax for me to dispute this debt before it was added to my consumer report. This debt has also been canceled and reported to the IRS as income so it can not be reported.