23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A T T E N T I O N!!! SHERIFF SALE XXXX at XXXX. 
I am writing you to explain what happened with a streamline modification that my lender says he never got. In XXXX XXXX I was given a loan mod after paying a 3 mo. Trial period. I received the new loan and sent it back to the lender in the envelope provided by the lender ( XXXX overnight envelope ). We were NOT instructed to track the envelope or anything, just sign the loan mod and send check for the first payment in provided envelope. 
This was for XXXX XXXX th deadline to send, I sent it on XXXX XXXX XXXX, a Saturday. I heard nothing from my lender ... .no letter saying they got the package. This was supposed to be mailed within 5 days of lender receiving the package. Without hearing anything, we sent the next payment on XXXX XXXX XXXX. 
I thought all was fine, and then the XXXX check shows up in the mail un cashed. I imediately called my Rep at green tree lending ... XXXX XXXX And left a message for him to call me. He never called. I waited till XXXX XXXX and was ready to pay the monthly payment but decided to call again. I did NOT talk to XXXX XXXX But someone else told me that they did not receive the documents and that I was in default again. After being told to write a letter of appeal explaining my situation I was told to " Re-Make '' any payments I was supposedly late on. My letter was denied and I was told by letter that if I could prove I sent it, they would honor it. They kept my check for ALL months I was supposedly late on, and then sent my check back to me un cashed, not deposited into a suspension fund, just back to me un cashed in XXXX of XXXX. I still have all the checks and letters sent to me. So after dealing with another sheriff sale, I had to hire a professional loan negotiator to start working on this problem. I was, after several months of sending documents, XXXX XXXX XXXX reports, and pay stubs and past taxes I was given a loan mod that doubled what the streamline loan XXXX. was. Fearing of no other recourse, and after being told that this was the last time they would do this, we had to sign the new agreement even tho we were going to pay twice the monthly amount. I am a seasonal company owner that does not work in the winter months, so I have to save money for winter bills. I planed my winter for the streamline payment of {$650.00} but after the lender changed the new Mod Loan to {$1200.00}, I was never able to catch up on the arrears I 'm facing now. In all seriousness, I am scared to death of dealing with the lender at the collection level, I do n't trust anything they say, and I certainly believe i was a victim of discrimination and predatory lending practices. As I stated in the letter head A T T E N T I O N!!! S H E R I F F S A L E O XXXX XXXX at XXXX. Is there anyway to stop the sheriff sale to continue negotiations with lender or do I need to file a lawsuit against the lender. Please help if you can Thankyou. 

Again, Sheriff sale is this Friday the XXXX at XXXX am ... .... Please help if you can, we do not want to lose the house, we just want the contract we signed and mailed in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXX XXXX  # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned asepuns are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries. 

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 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX BANK # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX BANK # XXXX XX/XX/XXXX -- {$870.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- XX/XX/XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$590.00XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with loancare. I paid them in XXXX and they say I didnt. I sent them the proof, but continued to report that not paid. Now they are stating XXXX wasnt paid. Sent them the cancel check. I was told there would be a freeze on the account until the issue was resolved, but there is not. Please help correct this error. 
There is also a problem with XXXX. They are stating the bill is delinquent, but they never send me a statement. Spoke to them on several occasions. Please help. 
Thank you so much for your consideration. 
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 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 infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has 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: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear CHERRY TECH, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana state law regarding identity theft and fraud. 

It has unequivocally come to my attention that CHERRY TECH has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Louisiana Revised Statutes ( LRS ) Title XXXX provides clear guidelines regarding the protection of consumer information and credit reporting. This statute emphasizes the necessity of accurate and fair reporting practices and reinforces the importance of consumer consent in the sharing of personal information. Furthermore, under LRS Title XXXX, which addresses identity theft and the illegal use of another persons identifying information, it is clear that the unauthorized use of personal data, including credit reporting, is a serious offense under Louisiana law. 

I assert with unwavering certainty that I have not provided consent for CHERRY TECH to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CHERRY TECH immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable provisions of Louisiana law. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CHERRY TECH will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

Its been a complete waist of time filing consumer complaints. Ocwen Loan Servicing 's puppet employee XXXX XXXX was given a Ocwen Loan Servicing title to learn how to become a pathological liar so Ocwen executives can shuffle documents to rob homes. The CFPB was puzzled together to collect millions in settlements using and twisting the laws all up so it could allow Ocwen in return to admit no wrong doing which has allowed Ocwen and its abusive employee to continue to harass and abuse homeowners. This CFPB communication is evidence that I demand XXXX XXXX to Cease and Desist all further communication with me because she is a pathological liar who has caused me serious harm. This matter will be handled in a court of law. I will not waist anymore of my time dealing with a bunch of incompetent fraudulent abusive shady criminal servicers. I have attached shady XXXX XXXX response to my consumer complaint. I have attached summons. I am not able to attach any exhibits because the volume is to large. You can review the entire complaint once you have been personally served. The process servicer is in route to your locations.
Product: Credit reporting or other personal consumer reports

This complaint is being lodged by me personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor any adequate verification. I'm seeking your help to address and resolve this situation quickly and efficiently.
Product: Student loan

On XX/XX/XXXX, I contacted XXXX after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in 2020. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I made payments totaling {$4000.00}. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX and XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX accounts 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mid-American Mortgage company required people to send in checks. They were sent in on time, they were not cashed in a timely manner, and when they were cashed, their automated system had already added late fees. XXXX is correctly updated after many hours of phone calls, but XXXX and XXXX was not. 

Here are the checks that I sent in XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} XXXX : Date : XX/XX/XXXX Amount : {$1500.00} : XXXX XXXX, but have bank statement XXXX : Wire transfer Texas XXXX XXXX  XXXX XXXX Amount : {$1500.00} We closed the house in XX/XX/XXXX, but they charged me for that month as well and will not remove it. 

The issue has been me trying to get into rent or a home and their inability to update reports, make me jump through a long drawn out process ( prove to us you paid us ) and their departments lack of desire because the account is paid off and closed. Is now hurting my ability to move forward.
Product: Credit card or prepaid card

My Wife & I 's XXXX XXXX, our longest credit account of record, was transferred on XX/XX/XXXX from being issued and managed by XXXX XXXX , to being issued and managed by CapitalOne bank . We were told after the XXXX transfer period our account access would be restored. At the time of notice we were told all account holders would retain and be reissued a CC. We also have long held savings, checkings, and another XXXX account with CapitalOne bank. On XX/XX/XXXX I attempted to log-in to my CapitalOne accounts to manage transactions and pay the XXXX. There was no access for me, but my wife retained access. We were originally co-applicants to the CC when we opened it, and have retained joint access and joint management of the CC. It has appeared on both of our credit histories even before we were married. My wife attempted to grant me account manager access to the XXXX through CapitalOne but that was not allowed, despite it being allowed for her other CapitalOne credit card. After numerous calls to CapitalOne on XXXX ( and lots of conflicting information ) we were finally told by 3 separate account supervisors in succession on two different calls that " CapitalOne systems do not allow for joint access to manage this CC '' and that our options were to only use my wife 's account login to manage the CC or close the account. I pointed out that it is actually a violation of CapitalOnes Terms of Service that she share her log-in with another person, and that their claims of " systems '' not allowing fall flat when they specifically allow for joint account manager access on other credit-cards. I also pointed out that this CC was opened under the terms that we would both have joint access and control... and we never waived or asked for that to be restricted. I asked they honor the original terms when we opened this credit card and they said " we can't ''. Supervisory Account managers XXXX ( XX/XX/XXXX ), XXXX and XXXX ( XX/XX/XXXX ) made these statements.
Product: Mortgage

First, they take at least one hour or longer to answer. And whoever answers I ask to speak with Loss Mitigation and they told me no department like that exists. I feel that they don't want to help me. My wife and I have been XXXX XXXX XXXX XXXX XXXX. we don't want to lose our house. we have no where to go. I am XXXX and my wife is XXXX and we are both XXXX. 

First I was told no sale date and now I told that I do have a sale date on XX/XX/14, but I never received any papers telling me this. 

I did get papers from a law firm and I called them and they told me no sale date. I don't know what to do. 

When my loan was sold to Gregory Funding from XXXX XXXX, my loan payment went up {$600.00} but they did not explain for what- my property taxes did not go up that much and I pay my own home owners insurance.
Product: Checking or savings account

They told me they was going to send me loan money XXXXXXXX XXXX but and they deposited money IntoXXXX my account and few days later it comes back and bounces leaving me negative and having a return fee
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX
Product: Debt collection

Have been disputing with the credit bureaus since these have reported on my credit and they still have yet to send any type of verification. The last certified mail was received over 90 days ago on XX/XX/2018. They are not associated with me and I have been fighting it since I found out it was inaccurate on my reports and its making it impossible for me to do what I need to do credit wise, I couldn't even go on my house loan so it is just my husband because its reporting negatively and they aren't my accounts. I can't continue my education and get my XXXX  now. Every time I reach out to the companies or bureaus the time frame seems to be starting over of when it will be removed. When I have reached out to the bureaus in regards to this and disputed them and nothing is getting done and it is extremely unfair. I have 10 plus phone numbers on my account and only one is  actually mine. The FCRA gives the company 30 days to respond and it has been over that time frame even from the last letter.