23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX  wired a partial payment {$1400.00} to Flagstar bank on XX/XX/2023, to be applied to my XX/XX/2023, mortgage payment. The payment has yet to be applied and is currently NOT in a suspense account. An additional {$180.00} was paid by me on XX/XX/2023. This brings the total amount to {$1600.00} to cover XXXX 's mortgage in full. Flagstar Bank Acknowledges that they received both payments, yet they are sitting on the funds. Flagstar Bank demands mortgage payments be received by the XXXX of every month, yet they won't apply/process payments received before the XXXX.
Product: Credit reporting or other personal consumer reports

I was stunned this evening when I saw inaccurate accounts on my credit report, and I can't understand how this happened. I check my credit report regularly, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts stayed. I'm asking for the documents I've provided to be thoroughly reviewed so I can put this behind me and never have to worry about it again.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing in response to, in which you responded to a complaint filed with the CFPB under the name XXXX, which is not my name. It appears there may have been a misunderstanding or error regarding the identity associated with this inquiry. 

I would like to clarify that I, XXXX XXXX, did not authorize any inquiries or applications for credit with Meritize, nor did I provide consent for the use of my personal information in such a manner. It is concerning to me that my personal information was used without my consent, and I would like to address this matter promptly. 

Furthermore, I dispute the accuracy of your statement that an application was initiated by me on XX/XX/year>, as I have no record or recollection of such an action. Any purported verification process or conversations with your agents regarding this application were not conducted by me, and I deny providing any personal information for this purpose. Your inquiry on my credit profile is fraudulent. 

I respectfully request that you provide me with any documentation that support your assertion that I initiated an application or provided consent for the use of my personal information. Additionally, I request that you cease any further inquiries or use of my personal information without my explicit consent. 

Please be advised that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I will take further action if necessary to protect my rights and interests in this matter. 

I look forward to your prompt response and resolution of this dispute. Thank you for your attention to this matter. 

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

I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file alot of information is invalid. it is hindering my file. please update my credit profile to be corrected.
Product: Credit reporting or other personal consumer reports

I noticed this account on my credit report is fraudulent and is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I havent gave XXXX equifax or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX Equifax and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
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 indicated 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: Checking or savings account

On XX/XX/2023 I contacted Chime member services to let them know I needed to file a dispute for unauthorized transactions. I spoke to 4 different member services reps that refused to even initiate the dispute. Finally, the 5th one started the dispute for me, one day later my dispute claim was denied, which should have never happened. On XX/XX/2023, I was assaulted, my debit card, car, and personal belongings were stolen from me. The same morning 10 minutes after the incident happened, I filed a police report. I was XXXX XXXX XXXX to my local hospital  due to injuries sustained during the assault. I was in the hospital  from XXXX, for one week I was XXXX due to the injuries I sustained. I sent Chime the police report, arrest report, my hospital admission paperwork, and my discharge paperwork from the hospital multiple times. I have records where member services and the dispute department is saying it was my fault I was assaulted and had my stuff taken. I will be presenting all this information to my lawyer since Chime can't seem to take it seriously.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting ACT to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I had started the process of disputing a few things that were listed in accurately on my credit report. I discontinued disputing believe that the report was accurate once they investigated certain items. A letter was sent to all three companies letting them know that I no longer disputed the accounts in question. I received a copy of my credit report and the dispute verbiage was still reporting on one of the accounts. I contacted them and told them I did not dispute the account and again to remove the verbiage. I have been fighting this since XX/XX/XXXXand the statement that the account is being disputed is still listed. It appears it's listed on one of the XXXX XXXX XXXX accounts and it shouldn't be.
Product: Debt collection

XXXX XXXX XXXX and the affiliate company Halsted Financial is continuing to attempt to illegal collect on a unverified debt and use illegal practices. XXXX has Halsted call numerous times a day from a unknown number, when you pick up the caller does not answer, instead you have to call them back, when calling back and asking who the number belongs to, they refuse to answer, only saying we will get to that later repeatedly asking who is the caller they refuse to identify themselves until they collect skiptracing information such as phone number, address, ssn, ect. They also call prior to XXXX and claim that they can call you becuase the companies location it is later, regardless of the time zone you live in. They then threaten litigation on a debt pass the SOL that they know can not be litigated on. The following day, more of the same. Calls to XXXX do not solve the issue.
Product: Mortgage

This is in response to Mr. Cooper 's response to my complaint. 

I had been on a forbearance program and a payment in the amount of the total of all payments that were not made under the program was due on XX/XX/XXXX. As of XX/XX/XXXX, I had not yet made the payment. This was the last day on which payments were accepted by Mr. Cooper before the loan was transferred the next day to another servicer. 

Mr. Cooper reported my account status as past due more than XXXX  days because the payment, representing all payments that were deferred under the forbearance program, was unpaid as of the date of the transfer, XX/XX/XXXX. 

I had filed a complaint with the CFPB about this issue and the response from Mr. Cooper stated that, as of XX/XX/XXXX, the XX/XX/XXXX payment was past due more than XXXX  days. Therefore, according to the response, the status of the loan of more than XXXX days past due was appropriate. 

I disagree with this determination, as it is inconsistent with the terms of the forbearance agreement. Furthermore, if customers that are similarly situated are placed in this same situation, they will have an inappropriate adverse account status on their credit report. 

The determination is inconsistent with the terms of the forbearance. These terms stated that, " once the XXXX XXXX has expired, the full amount that [ the borrower ] did not pay during the term of the XXXX XXXX  will be immediately due. '' For the forbearance agreement under this loan, this indicates that the amount of all payments that had not been made, including the XX/XX/XXXX payment, was due on XX/XX/XXXX. Therefore, the reporting of a late payment would be appropriate if this payment had not been made within XXXX days, which in the case of this loan, was XX/XX/XXXX. 

The loan was transferred by Mr. Cooper to another servicer on XX/XX/XXXX, and the last day on which a payment could have been made to Mr. Cooper was XX/XX/XXXX. Because each of these days is prior to XX/XX/XXXX, the day when the payment due on XX/XX/XXXX would be XXXX days past due, Mr. Cooper did not have sufficient information to know whether the payment due on XX/XX/XXXX was past due XXXX days. Therefore, no reporting of any past due status should have been reported. 

In addition, the forbearance agreement does not address what will happen in the event that the payments that had not been made during the agreement remain unpaid at the end of the agreement. Certainly, if the payment due at the end of the forbearance agreement remains unpaid more than XXXX days, this is reportable as past due. However, there is no disclosure of the consequence for the purpose of credit bureau reporting of the amount due remaining unpaid for less than XXXX days after the end of the forbearance agreement. 

Attached are the resolution letter from Mr. Cooper, the forbearance agreement, and the notice of the transfer of servicing.
Product: Credit card or prepaid card

The account had two pending promotional offers in XX/XX/2020. 
The promotion with the higher balance ( {$890.00} ) was set to expire in XX/XX/2020. 
The promotion with the lower balance ( {$500.00} ) is set to expire in XX/XX/2020. 
All payments made prior to XX/XX/2020 were applied to the promotion with the lower balance and later expiration date instead of the promotion expiring soonest. 
We contacted Best Buy/ Citi credit card to find out why this occurred and was told they would apply past payments to the higher balance with the sooner expiration date. 

At the end of the statement cycle in XX/XX/2020, the balance subject to interest was {$0.00}. 
At the end of the statement cycle in XX/XX/2020, the balance subject to interest reflected {$370.00}. The prior statement balance was {$570.00}. The new balance was now {$1200.00}. Interest has been applied each month starting in XX/XX/2020. 

We have contacted Best Buy/ Citi credit card on 4 separate occasions about this and there still there has not been a fair resolution. To date, only {$28.00} in interest has been credited to the account. Best Buy/ Citi credit card alleges there have been purchases that equal the {$370.00} that magically appeared on the XX/XX/2020 statement. The only purchase amounts subject to interest are a {$3.00} purchase in XX/XX/2020, {$54.00} in XX/XX/2020, and a {$40.00} balance transfer fee in XX/XX/2020. 

The balance at the end of XX/XX/2020 reflected {$940.00} and higher, grossly overstated balances have been reported to the credit bureaus over the past couple of months. 

The current balance should be well below the remaining promotional balance of {$500.00}. 

Please correct this before the next promotion balance is set to expire in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.SXXXX Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I need all my information my my credit profile to be 100 % accurate since im trying to apply for a house soon.
Product: Credit card or prepaid card

On XX/XX/2021 and XX/XX/2021 Fortiva ( Fortiva XXXX ) ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Product: Mortgage

We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to  XXXX  an d Trans Union  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Secti on 609 ( a ) ( 1 ) ( A ), y our company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX, XXXX & XXXX ACCOUNT # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I was checking my credit report and I noticed multiple unauthorized inquiries and accounts on my credit report
Product: Money transfer, virtual currency, or money service

My family sent me funds to my account and the funds was placed on hold multiple times I contacted the company in regards to this issue they told me the back office was handling the issue, I received an email stating my account was being closed and my funds was being held for 180 days. I feel like if my account is being closed my funds should be released. PayPal is scamming their customers!!!!
Product: Debt collection

I sent XXXX XXXX XXXX a validation letter on XX/XX/XXXX to validate my account. They did not validate my account whatsoever they sent me a statement of XXXX which is not a validation of my account. I asked for them to remove the account from off my credit report because of the vet they could not validated they still did not remove the account off my credit report due to non validation.
Product: Mortgage

We refinanced our home ; we paid the principal and interest for XXXX, XXXX and XXXX ; we went into escrow in XXXX so did n't pay the XXXX mortgage payment ( closing escrow today ). The payoff information Loan Depot provided includes interest for XXXX, even though we already paid it. I am trying to get them to see that this is XXXX payment. The representative I talked to said we were paying the principal and interest in arrears, but that is incorrect : we always pay the principal in advance - industry-wide practice. Thus, they did n't bill us for the XXXX principal but just for the XXXX principal and interest AND XXXX interest. When I called two weeks ago the woman I spoke to agreed with me and promised a corrected closing information to the escrow company but it still included the XXXX interest. This is over {$500.00} and a burden to senior citizens so I want the money back. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.