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

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent ITEMS to be removed from the Credit report. 

XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 accounts 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 below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The loan originated as a pick-a-pay predatory loan with XXXX XXXX in XXXX. After being transferred to XXXX, then XXXX XXXX, the loan was transferred to Servis One, XXXX BSI Financial for servicing, and the assignment was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, on behalf XXXX XXXX XXXX XXXX The true ownership is unpublished. In early XXXX, I identified that Servicer BSI Financial failed to apply ( 3 ) payments of {$3500.00} to my account balance, added {$1200.00} additional fees, and they refused to provide an explanation of where the funds were being applied or a legible accounting. In XX/XX/XXXX, while BSI Financial was entering into a consent agreement with the Consumer Financial Protection Bureau, Consent Order No. XXXX, I filed suit against the servicer as BSI failed to provide a proper accounting and had committed several RESPA and TILA violations against me. In XX/XX/XXXX, I identified that the missing funds were placed in unapplied funds for 18 months, from XX/XX/XXXX until XX/XX/XXXX. 
To this day, BSI is continuing their conduct of violating state and federal regulations, including XXXX CFR XXXX ( c ) ( XXXX ), by improperly billing my account, by adding an enormous amount of fees and costs, {$260000.00}, that are unreasonable and unverified to my account balance and payoff statement ; placing a " cease and desist '' order on my account and failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX, failure to accept loss mitigation package for review ; moving for foreclosure judgment or order of sale, or conducting a foreclosure sale in violation of XXXX ( g ) or ( j ). BSI has also violated their own consent order with the Consumer Financial Protection Bureau, ADMINISTRATIVE PROCEEDING File No. XXXX dated XX/XX/XXXX by CFPB XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, BSI Financial provided a payoff statement showing the amount of arrears as {$38000.00}, and {$74000.00} was added in litigation fees and costs. On XX/XX/XXXX, Servis One, XXXXBSI Financial, provided a proof of claim to the XXXX XXXX Court for XXXX XXXX XXXX # XXXX, in the amount of {$130000.00}, consisting of {$38000.00} mortgage arrears, {$11000.00} escrow, and {$74000.00} attorney fees and costs. BSI Financial has recently added {$270000.00}, claimed as their litigation fees and costs, to my loan balance for the loan that originated as a {$200000.00} XXXX XXXX loan in XXXX. They have also threatened to continue to increase their fees until they take all of my equity. The payoff demand is approximately {$470000.00}. BSI is justifying this demand for enormous fees and costs solely by the original note with XXXX XXXX, the loan that was deemed predatory by XXXX XXXX XXXX. These fees and costs have prevented the California XXXX XXXXXXXX XXXX from providing assistance and bringing the loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mastercard credit card account opened at the HSBC and activated on XX/XX/XXXX ( see first card statement attached ). However XXXX  only report my HSBC card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my HSBC Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. As far as XXXX XXXX These remarks have been detrimental to not only my life, also my credit health.
Product: Debt collection

I got a hold of my consumer credit report from your bureau and I got ta say, I'm pretty disappointed with what I saw. There are some errors on there that are hurting my consumer report and I'm asking you to correct them ASAP. Specifically, I'm disputing the following info : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. The bank made an error when recording the payment. They are aware of the issue & have agreed to update to paying as agreed never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$16000.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX XXXX  account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.States I have rights 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 writing to formally express my concerns regarding Zelle 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 at adequately. They informed me that recovering lost funds was impossible in that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( ORIGINAL CREDIT - XXXX XXXX XXXX ) XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Mortgage

On Thursday XXXX XXXX, 2015 I received a call coming in on my cell phone from ocwen Mortgage. XXXX. The person that left a message was by the name of XXXX calling within the Ocwen Lending Dept informing me that he had my file on his desk and it was in my best interest to contact him before the file was submitted for foreclosure. 
This gentleman could not fluently speak one word of English but not only did he tell me to contact him but he wanted me to call him back at XXXX. After doing research on my end this phone number is listed in XXXX, TX to a XXXX XXXX and on XXXX the phone number is listed as not safe. 

I contacted the person at this phone number and told him off and that I did n't appreciate his phone call. This person did not know how to respond and spoke broken English. I still have his voice mail. 

I do n't appreciate this type of phone call whether it was a SCAM or it was done on behalf of Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting written instructions and power of authority and/or power of attorney to destroy the credit score/history reputation without consent and without the due process of law. Please see the attached file for the complete explanation and for the remedy. 
( 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1692d ( 1 ), 15 USC 1681 ( a ) ( 1 ), 5th Amendment, 18 U.S. Code 242, and 18 U.S. Code 112 ).

You also violated 42 U.S. Code 408 ( 8 ), 42 U.S. Code 3617, 18 U.S. Code 1038, 18 USC 1342 ( for assuming the strawman name is the living man ), and 18 U.S. Code 1962 [ RICO ] ( 1028 )
Product: Checking or savings account

The process of drafting causes my account to be negative will most of my Bills
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX XXXX XXXX and I saw that you have recently began to report me 30 days late on this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also stated that I have previous credit reports from the XXXX XXXX XXXX  that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it.

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them.

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : 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

The mortgage company Penny Mac, adjusted the payment higher due to change in escrow, with out notifying me. They stated they had in XX/XX/2020. I never received a notice .This is the second time they have done this to us. We refinanced with this company to lower interest and length of the mortgage. We have never had a problem like this till we worked with this company. 
On XX/XX/2020 we received are statement for and it was little over double the monthly due amount in XXXX. 
My wife called on XX/XX/XXXX to inquire about this, and was told we did not pay last months bill for XXXX, I had paid through my banks online pay service and was received XX/XX/2020. 
My wife called to inquire about the bill. She was informed they had set in a suspense account. We owed a difference of {$60.00} for the escrow adjustment -which I have no issue paying. A XXXX late fee and for try to correct this with a online customer service rep a {$6.00} fee. They never made a attempt to correct this by reaching out to an notifying of the payment being short {$60.00}. 
Instead they collected interest for a month an late fee.
Product: Credit reporting

I had an Equifax Platinum Monitoring membership for almost 2 years. Last month I tried to upgrade my monitoring product to another one which provided me a XXXX score. I tried a number of times and always received an error message. Following that situation, I called Equifax Customer Service and have been calling them for over 10 days. I have lasted more than 1 hour on each call with representatives that are n't capable of helping me figure out what is wrong with my profile and I now have no access whatsoever to my own credit profile from Equifax. My credit card was ran more than 9 times because the representatives were trying to experiment with different products and none work. I also tried going thru XXXX and the only report that I ca n't access is the Equifax XXXX. I was told to check if there was a hold, freeze, or a fraud alert and this is n't the case. I 've been t old a number of times that there is nothing that should impede any other company or myself from obtaining my credit report yet Equifax themselves ca n't process my order for a credit product which they provide. I have proof that I have had several credit transactions and voids and yet after 2.5 weeks I still ca n't get access to my report. I do n't understand how a company not have answers as to why I ca n't obtain a product that they service.. Plus I am growing worried as to why I ca n't access my information online.
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 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 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: Payday loan, title loan, personal loan, or advance loan

I took out a {$300.00} payday loan. I expected to pay in {$40.00} installments for 10 weeks to pay the {$300.00} plus interest. It has been 16 weeks of {$40.00} a week payments. I checked the loan today and all that money is only going to interest. Of my {$300.00} they have only paid {$280.00} of the balance. It says I will spend XXXX  before it gets paid. This was not how it was represented to me or written the first time I checked the account. What do I do to prevent them from continuing to scam me? They are pulling money directly out of my account. Do I call the bank what do I do?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I paid this account in full ( {$240.00} ) with the hospital long before it was sent to collections. When I spoke with the hospital it was not supposed to go to collections. The hospital claims they have contacted the collections agency on XX/XX/2020 but nothing has changed.
Product: Student loan

I spoke with the company in XXXX and was told they could not reduce my payment or interest rate ( $ XXXX month @ 14 % interest ). I made a complaint on this website Complaint # XXXX and navient responded I was offered a {$200.00} a month payment. Since then the company denied they responded this information despite documentation. I also requested my original loan balances and information on where each loan came from and have yet to be provided with this information. This is due to my total balance increasing almost XXXX in a few months. I also asked options for lump sum payments and was not provided that information either.
Product: Checking or savings account

On XX/XX/XXXX at XXXX am I called chase debit card services about XXXX transactions XXXX, XXXX, and XXXX that were made on XX/XX/2022. I froze my debit card and reported it to the debit card company. The fruad dept was not open so i had to wait until the morning to called on XXXX XXXXThese transactions were made unlawfully, police report was made and the man was impersonating an officer from XXXX XXXX Police Dept . A police report was filed with XXXX XXXX police dept in XXXX California. Chase wasn't able help even though this was fraudulent activity. My girlfriend 's bank ( XXXX ) was able to handle the situation.
Product: Mortgage

yes almost had XXXX fires in my house due to electrical my home was inspected by the loan company they said the electric was safe i had a professional electrician come in and said it should of never passed the banks inspection