23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had our XXXX mortgage loan taken over by Select Portfolio Servicing.

They are located in Utah. 
We have had substantial income loss from Covid, because my husband buys at estate sales and then re-sells on XXXX 
His business is still down by 40 %, because there have been no sales and also because of health concerns. 
At first SPS helped us by giving us a forbearance, then they deferred 6 payments, which tacked over {$19000.00} to our existing balloon payment, due in 17 years. 
That was great. 
We were able to pay our mortgage for the last few months, because of the help we received in the form of government stimulus money. 
My husbands business is still struggling, so we asked for Loan Modification help. 
After 3 months they have turned us down. 
This is because our loan is owned by investors and we have about {$300000.00} in equity. 
The only option listed for a modification, was a 40 year 3 % loan modification, which would have replace our current loan, raised our monthly payments and lengthened the loan term by 23 years. 
They did not offer us the standard loan modification that was given to us by XXXX before, which is the formula used by XXXX XXXX & XXXX XXXX 
We had expected that they would offer a modification that would start at 2 % and gradually tier up to 3 %, which is the current Mortgage rate. 
That would have helped us substantially for the next 17 years. 
We could have then either refinanced, or done a Reverse Mortgage. 
I do not know why investors are allowed to put making money over helping people in trouble. 
They sent us Short Sale Paperwork as well. 
If things get worse, we can sell the property ourselves. 
The whole point was to be able to stay in our home. 
My husband has taken on an extra job, which is going to be very hard on him. 
That is our only solution, besides selling and moving out of our home. 
I think these investor loans need to be pressured to help people in trouble if possible, by using the Government Modification guidelines. 
I do not know how they can be so heartless and get away with putting home owners in jeopardy. 
Your Bureau needs to address this problem, because I am sure that we are not the only ones going through this
Product: Mortgage

My loan has been under a XXXX forbearance since XX/XX/XXXX. The first forbearance period was from XX/XX/XXXX to XX/XX/XXXX. The second forbearance was from XX/XX/XXXX to XX/XX/XXXX. I called Movement Mortgage in late XXXX to get information to resume payments at the end of the forbearance. I requested a FHA partial claim which would put the past due balance as a junior lien on the property. Movement mortgage told me that they would have to process this and that I could not make payments until it was processed and paperwork was sent to my home. 

After a month, I called them to figure out what was going on. I still hadn't heard from them. I was told that the partial claim was approved and that I could start repayment in XX/XX/XXXX. I was told that a promissory note would be sent to my house for me to sign, and that I could not make any payments until XXXX. I did not receive paperwork from Movement Mortgage until late XXXX. I got the documents signed and notarized. 

Despite this, in XXXX, Movement Mortgage reported to the credit bureaus that I was 4 payments past due. I disputed this information with all three credit bureaus. Movement Mortgage then updated my credit report to say that I was 30 days past due. This is incorrect. My account was current and not past due at the start of the forbearance period in XX/XX/XXXX, and is not past due now.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX suddenly dropped XXXX points today because an incorrect collection for a debt that is not owed was placed on my report. A collection agency called " Conserve, '' put a claim for from " Original creditor XXXX XXXX XXXX. '' However, I confirmed with the college that this debt was not owed because the course was dropped before the debt deadline, and I have records in writing reflecting that. This impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. 

As a XXXX XXXX XXXX  ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for professional development one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " conserve, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is so obsentibly wrong ; I still can not believe that this is happening.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian, XXXX, and XXXX for maintaining inaccurate information on my credit reports. 

Summary of Events : Description of the Issue : My credit reports from Experian, XXXX, and XXXX include these inaccurate accounts and personal info : XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Employer - XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX PFS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Initial Dispute XXXX XXXX XXXXXX/XX/XXXX, I sent dispute letters to all three credit bureaus requesting the removal of those incorrect account. I provided evidence, including a letter from XXXXXXXX XXXX confirming that the account does not belong to me. 

Responses : Despite my disputes and the provided evidence, Experian, XXXX, and XXXX have not removed the inaccurate account. Instead, XXXX sent me letters telling that my info did not appear that I sent it to them or a third party and I havent receive or hear anything from Experian an XXXX. 

Credit Reports : Copies of my credit reports from Experian, XXXX, and XXXX showing the inaccurate account. 
Dispute Letters : Copies of the dispute letters sent to each credit bureau. 
Evidence : A letter from XXXXXXXX XXXX  confirming that the account does not belong to me. 
Correspondence : Copies of any responses received from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX 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: Debt collection

On XX/XX/2020, My XXXX XXXX  account was settled with a 3rd party collection agency ( XXXX XXXX XXXX, XXXX XXXX ). I was emailed a proof of letter account satisfied. This account was removed from the credit bureaus as per the terms i had with XXXX XXXX XXXX XXXX once account settled in late XX/XX/2020. On XX/XX/2020 Mid West Recovery Systems ( XXXX ) reported the same account which, l ready paid in full to XXXX XXXX. I attempted to notified them numerous times to get this account removed as far as even providing receipt to them. They have been harassing me and threatening me to pay off this account. XXXX from XXXX XXXX has even gone out of his way to help by contacting them and leaving multiple voice mails to get account removed.
Product: Student loan

I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports my balance as the same for over a year since XXXX  and XXXX impacting my credit score. They refuse to report the correct amount balance and bring my account current. They are treating a repossession for an incorrect balance due. 
The loan apr is above the standard amount allowed in XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to XXXXXXXX XXXX in order to pay what shows on my credit report as a balance on a secured card and no one is willing or able to assist. The last agent I spoke to said the account balance was {$0.00} but she was not able to assist in sending me proof.
Product: Prepaid card

I attempted to use my card on cash app on XX/XX/XXXX to send my brother {$100.00} and the card has been locked for fraud ever since. I spoke with the first rep around XX/XX/XXXX and was told to submit my ID to verify and have it released for use. Followed up the second day and was told they didnt receive it. I resent it again and was notified the third day to resubmit valid ID thats not expired but my ID doesnt expire until XX/XX/XXXX. Ive resent and have been denied 4 times saying its invald. So i havent been able to eat or anything since last XXXX  because this is all i have right now and no of the CSR have been any help at all and im just trying to get some satisfaction with this. The review times XXXXXXXX been given keeps getting longer and longer. I am very frustrated right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to move due to COVID and was XXXX XXXX XXXX taking care of COVID patients in XXXX OH. I never received information regarding my AES loans being late and my credit was hurt by them reporting delinquent account status. My loans were {$15.00} a month at the time and when I recertified for income based repayment my loans were {$0.00}. 

I never once received communication that I was late for payments until my credit report was hit with deliquent status. I have pleaded with this company to remove the negative marks to my credit with no avail. They consider it a courtesy however I was never notified ; how in the world can this be just reporting? I have since paid off the loan with a {$15000.00} payment from my checking account. I need help getting this removed from my credit report. It is absolute madness that this is allowed to stand. 

The company has had me dispute this credit reporting several times to no avail and provides absolutely zero help with getting this issue resolved. 

PLEASE HELP Desperate XXXX- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Rights- Failure to follow laws when notified of identity theft when all required documents were submitted with FTC ID Theft report on XX/XX/2022. 
Accounts listed on Identity theft were not blocked in 4 days required by law. 
Accounts listed in Identity theft report were never blocked or deleted. 
Authority to decline or rescind allowed only if consumer reporting agency reasonably determines that the information was blocked in error or block was requested by the consumer in error, the block was requested by the consumer on the basis of material misrepresentation by the consumer or the consumer obtained possession of goods, services, or money as a result of the blocked transaction. 
CRA did not have the authority to decline or rescind block for the reasons they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

PA XXXX 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 : It 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

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

I HAVE NOT RECIEVED ANY VERFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO SUIT AND COMPLAINTS WITH THE FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Negative Items from Credit Report Dear CFPD I hope this letter finds you well. I am writing to formally request the removal of all negative items from my credit report maintained by XXXX XXXX XXXX XXXX XXXX As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which allows me to dispute any incomplete or inaccurate information in my credit file. 

Recently, I learned abouXXXX XXXX XXXX XXXX XXXXsuit against XXXX for multiple violations of the FCRA, including their failure to properly conduct reinvestigations and their inadequate handling of consumer disputes. Given these serious allegations, I believe it is imperative that my credit report be thoroughly reviewed for accuracy and fairness. 

**Request for Removal of Negative Items : ** 1. **List of Negative Items : ** XXXX XXXX balance XXXX Account XXXX, XXXX  XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX  bal XXXX XXXX XXXX XXXX late payment that shouldn't be late. account numbers and details. ] 2. **Justification for Removal : ** I assert that these items are either inaccurate, incomplete, or unverifiable. Given the allegations against XXXX regarding their failure to maintain accurate records and provide adequate notice of dispute results, I kindly request that all negative items be removed from my report. 

I ask that you initiate an immediate investigation into this matter. Under the FCRA, XXXX is required to forward my dispute to the original furnishers of this information and to conduct a thorough reinvestigation. I expect a written response detailing the results of this investigation. 

As a consumer, I trust that my request will be taken seriously and handled with urgency. I look forward to your prompt response confirming the receipt of this letter and the actions that will be taken regarding my request. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Monarch Recovery Management sent a letter on XX/XX/XXXX which I responded to and notified them that the debt is invalid. They did not respond but instead sent another collection letter with less writing on it dated XX/XX/XXXX. This company was notified that this debt is invalid yet they continued to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by XXXX that Experian has my Social Security number incorrect and an old address listed.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous efforts to address it. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX DATE XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX EMPLOYEE Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of 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 were 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

I HAVE REACHED OUT TO EQUIFAX FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED XXXX INACCURATE ACCOUNTS TO EQUIFAX. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EQUIFAX HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts EDFINANCIAL : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EQUIFAX AS WELL. If EQUIFAX OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Product: Debt collection

I was a victim of identity theft and after reporting it to capital one, XXXX, and XXXX  XXXX i was told there's no issues found and I'm responsible.