23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I lost my job. I missed a mortgage payment and in XXXX I began the loss mitigation process. I spent nearly 3 months trying to work on the application for them to deny stating it needed to be my ex husbands info and not mine since his name is the mortgage holder. Im on title. They never told me this at any point in The process. They just told me to provide the divorce decree as it stated Im responsible for the loan. At this time I fell further behind as I was under the impression the application was as going through and I could make a loan modification. In XXXX they denied my application. 

In XXXX started the process again. They were moving into foreclosure. Started the process again. This time with the participation of my ex husband. 

Began in XXXX. Turned in the application. Through the process we were given letters stating what were were missing for the application to be complete. For weeks it was marked that the application was complete they just needed tax info and pay stubs and bank statements at the end. Multiple times I called in and in the notes there were item needed that were never provided to me in writing in their letters stating what was missing for a complete application. For example they said they needed and HOA bill. I provided. XX/XX/XXXX I got a denial stating the application wasnt complete. They were missing page XXXX which was never mentioned in any letter provided to me. It was also marked complete online for the weeks leading up to today. Then They also stated they were missing my pay from XXXX. I dont get paid on XXXX, I get paid on XXXX On XX/XX/XXXX I received an email from XXXX XXXX - he was the person in charge of my file. I request for the next 3 weeks for him to call me or email me. I escalated to managers. They messaged him on teams and reached out to him. He never once called me or made any type of contact. In the 2 months of this process he sent me one email which I responded to immediately and never answered another one I sent him.
Product: Credit reporting or other personal consumer reports

RE : Refusal To Accept My Dispute of Inaccurate Credit Report Information I am formally writing to address Experian 's refusal to accept my dispute regarding the inaccuracies of my credit report. I sent them a formal written dispute on XX/XX/year>. Experian responding with an email stating they were going to disregard my dispute because they did not know if this dispute was from me. I don't understand how they can respond with such a preposterous email when along with my dispute I sent ; my legal identification to prove my identity as well as a utility bill to verify my recent place of residency. 

I am entitled to certain right under the Fair Credit Reporting Act, and I expect Experian to fully comply with these legal obligations.
Product: Credit reporting or other personal consumer reports

I Am a natural person I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX Amount XXXX
Product: Credit reporting or other personal consumer reports

I received a hard inquiry notification from XXXX XXXX. After checking, it was from a Concora Credit Indigo Mastercard. I received another email from Concora credit stating that the account was successfully registered. After calling concora, I confirmed somebody opened a credit card using my social security number and without my consent. I am a victim of identity theft.
Product: Mortgage

Loancare, my mortgage servicing company failed to pay my supplemental property taxes even though we have an escrow account for property taxes. They did n't pay on time accruing late fees. They failed to inform us that they do n't cover supplemental property taxes thus leaving us to believe they were being paid. Then when I called to find out what was going on I found they paid the first installment late but not the second. So they pay them sometimes only when they want to? I could n't get a straight answer and they were really rude on the phone.They lied stating we were told about the supplemental not being paid however that proved to be false as well. I also have another complaint about XXXX XXXX mortgage co. who our loan is actually through, I think. By the way do n't get me started on knowing the difference between a loan servicing company and our actual lender. Anyway XXXX set us up for a second mortgage fixed rate only to find out after the fact it was home equity line of credit with no fixed rate!!! These mortgage companies are still doing shady things and getting away with it with no accountability. I have several friends who have similar stories of shady financial dealings with lenders. Since all of this we are refinancing with a much more straight forward company ; XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I wanted proof that over drafted my bank account which i did not overdraft. Plus it was a business account that is not suppose to be on my personal consumer report. Plus they verified it and it company name is spelled wrong. So there are inaccuracies. So this must be deleted. 
As you can see it says XXXX XXXX. It was a business account that has nothing to do with my personal credit report. 
It is spelled wrong. Which mean by law that is was verified correctly and it so inaccurate to it my be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Bank of America for some time to discontinue billing me for debts that were not mine or incurred by hardships. The Bank of America moved into location on XXXX  XXXX. My neighbor was foreclosed on by Bank of America. Some of her debts were carried over into my accounts. My account with Bank of America was to have been closed in XXXX. I tried to contact the bank about a nursing home/hospital error my grandmother had incurred. She XXXX away in XXXX. Faulty banking practices contributed to the error. Since this time, I was also robbed at a XXXX. Thus, the Bank of America accounts stayed in my credit record. I would ask that the Bank of America immediately remove any debts from under my name in the credit record and notify all three credit bureaus that any debts were being removed and cleared from my name. 
It would be great to receive {$500.00} at least in damages from the Bank of America as they caused suffering to my grandmother and family ; had fraudlent accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # 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: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX XXXX XXXX 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 that replacing lost funds were 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.
Product: Mortgage

Our mortgage loan is due XX/XX/XXXX with a grace period til XX/XX/XXXX to pay with no late fee accessed. Went to make XX/XX/XXXX payment on XX/XX/XXXX and the website was under maintenance and would be back up running on XX/XX/XXXX. Made the payment on XX/XX/XXXX when the website was back up but was assessed a {$200.00} late fee since it was past XX/XX/XXXX. Contacted the mortgage company and spoke with XXXX, XXXX - manager then XXXX - supervisor to try and have the late fee waived since we were not made aware of the website maintenance in advance. They said we were not sent notices via email, mail etc. however had we gone on to the site one week prior when they put the announcement on their website we would have seen it was going to be down during that time. I explained to all 3 that I don't go to the website but once a month to pay my mortgage so notification should have been sent and since it wasn't the fee should be waived. Please help in having this refunded. Thank you. 

XXXX XXXX
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 terms 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 ) ( 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. 

Despite using zelle numerous times and reporting my discrepancies, my financial institution and zelle failed to investigate my claims adequately. 

They informed me that recovering lost funds was impossible and tracking these funds was infeasible. 

The CFPBs findings indicate that zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving it vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises serious concerns about used safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give XXXX DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). They have allowed company 's to conduct inquires and monthly evaluations without my written consent. This is against the federal law and result in adverse actions pursuant to 15 usc1681m.
Product: Mortgage

Payments from my escrow account for the new year of XXXX. As has become the normal business procedures of Fay servicing.

Fay has stolen another {$2900.00} to start out the fiscal year of XXXX. 

I will break down how incompetent and derelict this entity is in performing its business. 
Because of improper use of my impound funds, Fay has caused penalties and interests to be accessed to my property taxes. This has gone on since they acquired the servicing of my loan.

I have requested that my impound account be canceled, that I will handle my own Ins. And Taxes. Fay refuses. So alas, I refuse to send my impound funds for them to play with. 

Point in case. 

I paid all of the taxes for XXXX in full on XX/XX/, see attached receipts. 
First-quarter payment of XXXX taxes were due XX/XX/. Fay sent a payment on XX/XX/. This makes the payment past due 10 days with possible penalties and interest charged. This did not happen as I had paid them in full a month earlier. See attachments Second-quarter payment XXXX taxes Fay sent a payment on XX/XX/. Even after they were aware that all taxes had been paid in full for the year. See attachments I spoke to the County Treasurer and ask if they had received either of the so-called payments made to the XXXX County Treasurer . Their reply was they could find no record of receiving them. And as the taxes had been paid in full. If they had received any payments, they would have been sent back to Fay. 

Now as of this date XX/XX/2021, nothing has been refunded to my impound account. Of course, this is nothing new for Fay. They have not refunded the monies stolen in prior years. 

On XX/XX/, I spoke directly to XXXX XXXX who is supposed to be my account manager. I, ask him when they were going to refund my stolen monies. And of course, got no answer. Also questioned him about the ins payment that was coming due at the end of XXXX. Reminded him they had no need to pay it as I had already paid it in full on XX/XX/. Confirmation Number XXXX. 
I ask him about all the problems. Breach of Contract, Improper use of my impound funds, stolen impound funds. Late or non-payment of taxes, refund of penalties and interest charged me for late or non-payments, refusal, and ignoring my Attorneys outreach.

Now here we are again. Fay has removed another {$2000.00} from my impound account. 

I have filed several complaints about Fay servicing. This just adds another to the list. The replies from the other complaints were ludicrous. Cant wait to see the ridiculous reply I receive back this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 without my written instructions.

15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX Case case number is XXXX
Product: Debt collection

Say I owe XXXX account closed XX/XX/19. Last payment date is XX/XX/19. Not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including Nelnet. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.
Product: Money transfer, virtual currency, or money service

XXXX : XXXX XXXX released a wire transfer of {XXXX} to privat bank XXXX XXXX, XXXX XXXX XXXX, through bny as corespondent bank. XXXX states that they haven't received the funds until now! the XXXX recipients are in dire need of th ese funds!! the wire confirmation is XXXX. this is a significant amount that i can't replicate to send via other means! please let me know wh y XXXX hasn't received i! if there's a real problem, how can i get the funds ret urned to me? 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX Sent : Mon, XX/XX/2022 XXXX pm Subject : Your XXXX XXXX wire transfer confirmation and receipt XXXX XXXX XXXX You've successfully submitted your transaction Please keep this message as your receipt. 
Wire details Confirmation number XXXX Send to XXXXX XXXXXXXXXXXXX XX ... XXXX From account ( debit account ) EVERYDAY CHECKING ... XXXX Wire currency US Dollar ( USD ) NOTE : This transfer is being sent in USD Send on XX/XX/2022 Deliver by XX/XX/2022 Originator ( sender ) information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recipient information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient bank information Bank name XXXX XXXX XXXX Bank country XXXX Bank ID XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items will be debited from your account : Transfer amount {XXXX} Wire transfer fee {XXXX} Taxes {XXXX} Total USD from account {XXXX} Exchange rate N/A Recipient amount and fees Transfer amount {XXXX} USD Other fees XXXX USD Total for recipient XXXX USD Note : Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. 
Availability date XX/XX/2022 -- -- XXXX : why now after i've sen t funds three months in a row? what is the issue? i would like to respond. Se nt from XXXX XXXX Mail : XXXX XXXX On Thursday, XX/XX/2022, XXXX XXXX, XXXX Payments Investigations Inquiries   wrote : Hello We received the payment under ref XXXX XXXX however it is pending XXXX review under our inquiry ref XXXX XXXX. a msg has been sent to XXXX XXXX under our ref for further details required. Thank you XXXX -- -- Hello, Details are only acceptable through the Banks and we can not release any information to you. Thanks,, BNY Mellon
Product: Bank account or service

When I made a payment on my Home Depot account serviced by Citi, they required me to agree and accept that my computer was able to encrypt the payment information? I have no idea what this means except that they are possibly hoping that I take on the responsibility that My computer is safe enough to make a payment. I have no idea why this bank would require me to be responsible for the security of my payment - that is their responsibility to make their site safe to make the payment. How would I even know what bit encryption my computer is? This is incredibly unreasonable and confusing, and they refused to take my payment without my agreement. How do companies get away with this? Trying to pass responsibility for their own site safety on to me where I have no idea about any kind of encryption process on my computer? I am so upset by Citi unreasonable demands on consumers at this point I am making sure our Home Depot knows about this and this is really hurting their brand to have this bank called Citi be so abusive to their customers.
Product: Debt collection

I am currently in court disputing this debt with the company attorney and have been in court with them since XX/XX/2024. Company currently summons me to court while in dispute for an amount of {$5300.00} but every month they continue to increase the amount owe to the credit bureau as if the account is active but the account is showing as in collections. Right now the credit bureau is showing late payments and the current amount due has increased to over {$8000.00}. My next court day is XX/XX/2024. 

The company is in violation of the law CHAPTER 427 CONSUMER TRANSACTIONS DEBT COLLECTION 427.104 Prohibited practices. 
( 1 ) In attempting to collect an alleged debt arising from a consumer credit transaction or other consumer transaction, including a transaction primarily for an agricultural purpose, where there is an agreement to defer payment, a debt collector may not : ( a ) Use or threaten force or violence to cause physical harm to the customer or the customer 's dependents or property ; ( b ) Threaten criminal prosecution ; ( c ) Disclose or threaten to disclose information adversely affecting the customer 's reputation for credit worthiness with knowledge or reason to know that the information is false They are currently still reporting to all credit bureau 's an increasing amount of debt and have not indicated the debt is being disputed. I asked the representing attorney in court and via email why is it that they are suing me in court for one amount but the company they are representing keep reporting to the credit bureau increasing amounts and was told they had nothing to do with what the company is reporting they are only concerned with the amount they are suing me for which is {$5300.00}. I told them well I am concern because it is like they are trying to get money out of me from them for one amount but the company is reporting a totally differnt amount and may attempt to come after me for that amount as well. Again the attorney told me that is not their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2.Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Product: Credit reporting or other personal consumer reports

Lawsuits against Transunion Experian, and Equifax, are proving that these reporting agencies are doing sham investigations and are not reporting information properly or correctly. 
They have been lying about these investigations for years!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : XXXX USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - 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 ( XXXX ) In XXXX XXXX XXXX XXXX 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose