23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Dwight D Financial transferred my debt to XXXX and XXXX XXXX with a balance of {$130.00}. Since then XXXX and XXXX has sent me a letter of collections for the above balance. However on XX/XX/XXXX I have contacted XXXX and XXXX about settling my debt. Since XX/XX/XXXX I have paid my collections debt in full in the amount of {$250.00}. The collections company has agreed to delete all tradeline associated with this account. In conclusion, Dwight D. Financial should not be reporting negative marks on my report. 

I also have proof of account paid in full sent by XXXX and XXXX if needed
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my file. 
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
Product: Mortgage

my XXXX XXXX XXXX and XXXX tried to buy a home out in XXXX, GA with loan XXXX XXXX XXXX from ALTERRA HOME LOANS. we had the closing date to the new house XX/XX/XXXXand XX/XX/XXXX we had XXXX closing days and neither happened. my XXXX XXXX XXXX and XXXX did n't attend work that day like the previous day they had taken off due to the process. the closing day came and we did n't close due to XXXX 's XXXX. my husband and I had sold our mobile home and had to be out the house with XXXX our children ages XXXX and XXXX we had rented a XXXX to move our things at the end of it all we did n't get the house, we ad to put everything in a storage unit which cost {$180.00} per month, we were told that in a week everything would be solved. she once again lied only now blaming it on the program XXXX XXXX saying it was taking longer then usual, next her excuses where the underwriter needed more time or was asking for more proof, that the loan was n't approved, then she blamed it on the paperwork saying it was n't complete, the agent that was working with her that at first was our agent lost our original copies of our taxes his name is XXXX XXXX, he would send us to houses and give us codes to it, we only saw about XXXX houses. we decided to consult with another agent XXXX XXXX she said that we would get in trouble if we did that. we did n't speak to XXXX anymore and XXXX became our agent she is very professional and helped us out a lot. as a mentioned previously we had sold our mobile home we ended up living in a hotel for almost XXXX weeks with our children. my mother in law and husband missed days of work due to XXXX fault they lost time and money. we would try to call XXXX and shee would n't answer because we needed answers she would reply to us hours after or days later she would say everything was fine everything was under control which it was n't. we got tired of waiting for her and we procceded to speak to her supervisor from her branch he said that the problem would be fixed in XXXX weeks then it went up to XXXX weeks, and that we could go to a hotel in the mean time that they would refund the money back to us, they did n't do it then a week later the supervisor called me saying that the loan was not approved at all that they could n't do anything about it and that they would not refund us the money for the hotel. As you can see we ended up losing a lot of money and time and our children XXXX with us as well. alterra is XXXX of the XXXX loan company ever. I do not recommend them and neither do I recommend XXXX XXXX. 
THE HOUSE INSPECTION WAS {$350.00}, ERNEST MONEY {$500.00}, APPRAISAL {$500.00} UTILITY BILL {$350.00} ( light ), missed days of work ( mother in law ) {$700.00}, missed days of work ( husband ) {$700.00}, storage unit {$720.00} storage unit a month, hotel stay {$300.00}.
Product: Checking or savings account

On XXXX, XXXX. Someone uses a fake ID at TD Bank, Opens a new checking account in my name, and gets access to my TD bank checking account ( ending XXXX ), Transfer all my money I believe was {$2300.00}, to the newly opened account ( ending XXXX ). the newly opened account was overwritten my account. he/she changed my online banking password, address, and phone number. withdrawal of money in two transactions {$1000.00} and {$1100.00} on the same day. ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, Equifax, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shared personal information Accounts closed/ charged off then opened again Keeps reporting accounts as delinquent when accounts have been closed for years
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

It's really alarming to see something on your credit report that isn't supposed to be in there, it's making me so anxious that there's an inquiry which I believe to be fraudulent that I don't recognize nor applied to. I did not gave authorization or consent for this company to access my report.
Product: Credit reporting or other personal consumer reports

Bank of america is an account that was not been late on XXXX, this was for 30, 60 and 90 days late .... they must to send me proof of this account was late .... because this accoun must to change the status from close/ late to Close /never late..
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Mortgage

Nationstar Mortgage XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Loan # XXXX This complaint is against Nationstar Mortgage because I successfully modified my current mortgage and I am not accepting the terms due to atrocious numbers. Foreclosure has begun. 

Approved for HAMP Tier II Denied for HAMP Tier I I have been using the XXXX XXXX XXXX for advice : I went to my court appointed hearing and XXXX District Court Judge XXXX would not help me with forcing restructuring of numbers. 

My current loan is XXXX at 10.8 % interest for 30 years. 

Nationstar took over my mortgage from XXXX XXXX XXXX which took over from XXXX XXXX. 

The HAMP Tier II is for {$100000.00} 40 years at 3.75 % interest with balloon at end {$35000.00} My property value is {$40000.00} I live at property and maintain and upgrade constantly. 

It is my hope that we as AMERICAN CITIZENS do not allow these banks to bully us around. They are trying to take over our properties and therefore ultimately take over AMERICA. 

If possible I would like the State of XXXX and US Government to intervene on my behalf and structure a FAIR mortgage for me. 

This will prove to the banks who writes the laws and enforces them. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX XXXX  I made an order from XXXX XXXX XXXX California. I paid for the product with cash app. {$120.00}. The product was never delivered. The company had decided to cancel my order and said they would issue a refund. Only they won't issue the refund and they are the ones that cancelled the order. Cash app won't help me get my money back even tho I have shared all supporting documents. They just say too bad.
Product: Credit card or prepaid card

On XX/XX/2023, there were five ATM withdrawals taken from my account that I did not make or authorize. I contacted the customer service and fraud department of my financial institution the next day ( XX/XX/2023 ) and filed a fraud claim. My cards were canceled to prevent further losses. 

After a 10 day investigation, my financial institution denied my claim. I called my financial institution back, had the claim reopened. This time, I sent a letter to them and filed a police report with my local police department. 

I just received an email from my financial institution that after another 10 day investigation, my claim has been denied because no errors were found. The error is someone not authorized to use my account has withdrawn money.
Product: Mortgage

Planet home lending took over my mortgage from XXXX. They required an escrow to pay property taxes. This was not my choice- I would have preferred to pay the taxes myself as I am ultimately liable for unpaid taxes. 

However, they did not check if there were taxes due and recently, I received an invoice from XXXX XXXX about unpaid taxes, penalties, and interest. There is about XXXX dollars of my money sitting in Planet  Home lending 's escrow account and they can't even pay my taxes as they are required to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint becau se   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manne r as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Truist Bank failed to pay escrowed funds to renew Flood Policy on my home despite escrow funds available to do do so. On XXXX XXXX Truist mailed notice indicating a lender-placed policy would be purchased if the prior policy was not renewed and proof of insurance provided. I called Truist to enquire after receipt of the notice and reps indicated no renewal notice had been received. I contacted insurance agent and connected him with Truist to transmit renewal notice to proper Truist address. Truist assured me all was well. I offered to pay the policy out of pocket and square the expense with escrow funds at a later date to avoid further delays or possible issues. Was advised such payment was not necessary. 
This was all within the 30 day period to renew without penalty or lapse. Despite this action on my part, I received another notice two weeks later from Truist stating the policy had not been paid. Again I called Truist. They indicated the renewal notice had been received but the {$490.00} premium payment was on hold in their system ( they later claimed the renewal notice did not have the premium noted, which is odd since they knew the exact dollar amount ). Long story short, I called again and a manager authorized on XX/XX/XXXX the overnight delivery of the payment. The {$490.00} payment was made and confirmed XX/XX/XXXX. During that conversation I asked and was assured that no lender-placed policy would be purchased due to my actions to rectify Truist 's errors. Despite that assurance, and the escrow debit of {$490.00} being paid, seven days later an ADDITIONAL lender-placed policy was purchased for escrow funds by Truist in the amount of {$2600.00}. 

When I realized what had happened I called again and demanded a refund as none of the errors or delays were my responsibility. They agreed to review and get back to me. They never did call or write back, but did issue an un-noted refund of a pro-rated portion of that policy purchase, leaving the balance charged against my escrow account {$550.00}. This is unacceptable. In multiple calls, some escalated since, Truist reps say there was a lapse in coverage and it is my responsibility becaise there records indicate the BANK MADE NO ERROR in the handling of the account. At all times throughout this affair I was responsible and proactive, the bank was not. My notes of a XX/XX/XXXX call with rep XXXX XXXX show that she agreed and identified the bank 's error and opened a ticket requested a refund of the additional {$550.00}. That request was denied and repeated calls to the bank and discussions with supervisors XXXX XXXX have yielded the same result. The bank continues to deny any error and refuses to issue an additional refund of the {$550.00}. They state it is a settled mater and there is not oath for appeal or arbitration.
Product: Debt collection

I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice
Product: Debt collection

I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.
Product: Mortgage

In XX/XX/XXXX I did an " application '' for a mortgage loan with the Mortgage Loan Originator for XXXX  in my township. I also signed a promissory note. I was not aware this note held value. I was told, and even this year told by multiple agents, I " needed '' money to purchase the home I wanted. I was never told they were using an extension of my credit, and my promissory note was the collateral or security. Then either that agent or the closing attorney took my title within 14 days before " we closed '' and got a title loan for {$130000.00} from the title agency with my home as collateral. In the beginning of XXXX I started asking fro full accounting and full disclosure. I was given one time some papers that I did not see at closing. They showed a copy of a check for XXXX going to my closing attorney and also the wire information. From my studies this was the loan I should have been getting in exchange for the monthly finance charge I have had from XXXX until now, XX/XX/XXXX. I never got it. I also asked the Loan Originator to let me have my funds or escrow and I would take care of taxes myself and was told I have no money to get. I also have found they made themselves the beneficiary of my note, and when we formed a fiduciary relationship, everything should have been done in my best interest, so how would putting them as beneficiary be in my best interest? I want to rescind from all security agreements and only obtain my goods and services on credit. I have now sent multiple communications and plan to take action and file bankruptcy. Besides the one man in early XXXX accidentally printing extra papers from closing, no one has given what I requested at all. The CFO said he had no financial documents he could send and did not understand lawful tender. The front line agents do not know what a XXXX is. Another lead woman did send me my promissory notes, but it showed more fraud, they did multiple notes without my permission. I also have reason to believe they held the title in the previous owners name, in my mind to give to the Secretary of HUD, for awards to the Registrar. Seems like racketeering.
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 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