23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Two years ago I was forced to file bankruptcy. I decided to keep the house out. I had a first and a second mortgage. The company that held the first mortgage worked with me a did a loan mortification. Ditech Financial held the second mortgage. I tried for almost a year to get them to do a loan modification and never was able to get them to approve it. They constantly told me they had not received documents that I had sent several times. I finally got to the point that they were able to confirm they had received all the documents requested. They then told me that the time period since application had run out BY ONE DAY and I would have to re apply.

I decided to sell my house because I could not take it anymore. I received an offer on the house. I wanted to know what I owed on both mortgages so I could make a decision as to except the offer. I did not want to except an offer that was not enough to pay off both notes. I called the first mortgage lender, XXXX, they gave me a verbal over the phone and said they would mail out the exact figures at no charge. They gave me the option to expedite by fax for a cost of XXXX dollars which I declined I called Ditech, not only did they refuse to give me a verbal they told me it would be 10 business days before they could give me a payoff.

I now have an offer on my home which I have 24 hours to except or decline. I have no idea what the payoff is on my second mortgage so I can not make an informed decision. Depending on what Ditech charges me to pay off the note I might very well have to bring money to closing to sell my home. I have owned my home for 13 years and never missed a payment until about two years ago. 

I would be glad to furnish my account number upon request
Product: Student loan

I submitted a repayment plan XXXX, but Mohela placed me on XXXX XXXX and were dishonest and said I never sent the application. I have record that I sent them the request. Now my loans are jn forbearance, not by choice. 

They have lost all my documents related to my loan, making the excuse that due to transition to their new platform all my paperwork is unavailable. Really? So no records of the papwork I submitted since 2022? This is unacceptable. They also refused to recount my payments and apply my payments to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification for the following accounts and to furnish supply original contracts and the rights for these agency to collect in my state. The credit bureaus have only verified electronically without providing proof and has failed to do so in the time allowed. 
XXXX XXXXXXXX XXXX XXXXXXXX {$590.00} acct # XXXXXXXX XXXX XXXX {$1200.00} acct # XXXX XXXX XXXX XXXX {$1000.00} acct # XXXX XXXX XXXX XXXX {$860.00} acct # XXXXXXXX XXXX XXXX {$990.00} acct # XXXXXXXX XXXX XXXX  {$650.00} no acct number displayed XXXX XXXX XXXX XXXX {$1000.00} no account number displayed In accordance with the Fair Credit Reporting Act all of these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 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

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.
Product: Mortgage

I have had my loan for less than 2 years and Truist Financial auto-funded two separate insurance policies in XXXX and XXXX that were not signed for. When speaking to agents in XXXX XXXX and XX/XX/XXXX, they advised there system auto funds policies that are sent to them and they do not verify whether the policies are signed for. In both instances, they spent my money to fund policies I never signed for, in addition to the actual policies I signed for. There is XXXX accountability from the finance company to recover the funds they spent of mine in error. They send a cancellation letter out and never follow up or make any other efforts to recover the funds they erroneously spent. In XXXX, they only sent a cancellation letter out after I informed them they funded XXXX policies. I am baffled that such a large banking institution has no controls in place to prevent this from occurring. I am forced into escrow, I requested to be removed in XXXX and I was denied and told my XXXX wasnt low enough to qualify, yet the bank has proven they are not competent enough to manage my money!! After doing my own audit, I came across the XXXX policy funded in error and am only receiving a refund because I inquired about the multiple policies! This mortgage company continued to tell me I was short in my escrow account and raise my monthly payment, which was all due to their lack of competence!! I should not be forced to let them manage my money and then also be 100 % responsible for monitoring their incompetency, recovering my funds, and also paying higher monthly payment because they say my escrow has a shortage!! Where is the responsibility, accountability, due diligence, and controls?!? How many other consumers are out thousands of dollars because the bank wants to save money on people by setting up a half baked automation process that harms customers?? This should be audited immediately!!
Product: Credit reporting or other personal consumer reports

Because FERPA is a law that protects the educational data of every student in the U.S. It protects a student 's financial information, grades, disciplinary actions and other important information. According to this movement, by XXXX being able to access the DOE XXXX XXXX, DOGE has infringed upon my FERPA rights. 

XXXX XXXX has violated my FERPA rights as he has had access to my private student loan information through DOGE.
Product: Credit reporting

There is a report from XXXX XXXX stating the balance is Unpaid and there is still a balance owed. It did go to a collection agency but I PAID it off and have a letter stating so. So the exact same INCORRECT information has been reported XXXX on my credit report.
Product: Debt collection

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX.
Product: Debt collection

I have not had XXXX XXXX for over 6 years and i never owed anything when i closed my account. I paid it in full. I now have a collection on my account from a collection company for this account. I have tried to have it removed by addressing it with the credit bureaus but have had no success. Please help.
Product: Debt collection

TSI has been handling a debt that is with XXXX XXXX XXXX XXXX College. The debt was first listed on my credit report XX/XX/XXXX. The listing caught me off guard as I never received any prior notification and was unware that I even owed the debt. I have spoken with TSI XX/XX/XXXX and they gave me an invalid address of where they sent the letter too. I asked if they could remove it from my credit report to allow me the opportunity to find out what is going on because it was my first time hearing about it when it was on my credit report and it has been difficult to get In Touch with someone at the school because of the Pandemic. They said they could not and I needed to pay it. I had financial aid that cover 100 % of my tuition and expenses so I didn't understand why I owed it. I was finally able to connect with the college shortly after and they explained to me what happened, I also advised them that they have the wrong address and I never received any communication, not even a phone call and, would make arrangements to pay it but I needed it removed from my credit report because I didn't know I owed the debt. They said they could not remove it. I paid the debt off XX/XX/XXXX and it is still showing on my credit report. I have disputed it with no resolution and also reached out to the college as well as TSI and keep getting the run around.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my ONLY name is XXXX XXXX XXXX and any other addresses besides XXXX XXXX XXXX XXXX XXXX, IL XXXX should be removed. I am not self employed. I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiple times an reporting discrepancies, my financial instituition and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible an that tracking these transactions was unfeasible. The CFPB 'S findings indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders tp exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rasies serious concerns about consumer saftey
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable Accounts unresolved. The consumer financial protection Bureau has recently filed a lawsuit against Experian alleging systemic such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute out comes. These failures align with my experience, where experian has corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As experian 's inaction violates federal laws and my rights as a consumer.
Product: Debt collection

I have contacted MDS on XX/XX/XXXX and XX/XX/XXXX. The medical debt is clearly a simple clerical mistake but MDS wants me to file an identity theft police report. 
Debt collecting company has confirmed that the debtor and my address does not match. The dates of birth do not match. First names do not match. Phone numbers do not match. Only thing that matches is the social security number which is clearly a clerical error and not a case of identity theft. 
Balance is {$2400.00}. 
Another thing is that I have never visited the hospital where the bill originates from, or ever been in that area of the state.
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 Number : XXXX  XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX Account Number : 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

On XX/XX/, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # : XXXX Account XXXX Description : Individual Account Status : XXXX Closed Balance Owed : XXXX {$4100.00} Credit Limit : XXXX XXXX Creditor Type : - Banking Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Frequency : XXXX -- Term Length : XXXX -- XXXX XXXX CollectionOrChargeOff Revolving -- CHARGED OFF ACCOUNT XXXX XXXX -- XXXX -- CollectionOrChargeOff CreditCard Account Rating : XXXX Account Type : XXXX Closed Date : XXXX Creditor Remarks : XXXX Date Opened : XXXX Date of Last Activity : XXXX High Balance : XXXX Last Verified : XXXX Payment Amount : XXXX Payment Status : XXXX Loan Type : The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! 
highlighted and circled additional areas of concern. 
Also, see the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive I want to bring to your attention Date Reported ( - ) reporting XXXX The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! 
Lets examine XXXX XXXX ( XXXX ) showing XXXX Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! 
Viewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finan
Product: Credit card or prepaid card

OnXX/XX/20 I received a debit card via the USPS from Paypal. I did not sign up for an account nor did I authorize an account to be set up in my name. I do not now, have ever or plan to do business with Paypal. The account was opened fraudulently with my personal information. The card came with a 16 digit card number, a 3 digit safety code and my name printed on the debit card. Literature enclosed with the card asked me to set up direct deposit from my employer, had a routing and Assigned Account number. I called the phone number on the back of the card to attempted to speak with someone regarding this situation. After several prompts the automated system stated they were unable to take my call and disconnected. I then tried 8 other phone numbers listed for Paypal I found online and affiliate banks that were listed on the card. All of the calls ended with the same message and disconnected. In total, on XX/XX/20, I made 21 calls over the course of several hours with no results or any option to speak with a live agent. The automated system asked for the 16 digit account number but since it was a fraud account I did not want to enter those numbers fearing it would " activate '' the card. One of the automated system prompts suggested going online for inquiries. This requires registration of one 's account. Since the account was set up fraudulently I did not feel it was a smart idea to register a fraud account. On the morning of XX/XX/20 I made multiple attempts to contact Paypal all with the same result as my numerous calls of XX/XX/20. I then located the card issuing bank listed on the back of the card and called their customer service. When I contacted The XXXX XXXX the person I spoke to stated he, unfortunately, was unable to help. He also stated that he was instructed by Paypal via management, a year ago, that he/call center reps were not allowed to transfer calls to Paypal or give out any phone numbers to customers who wanted to contact Paypal. After being unable to get Paypal on the phone after multiple attempts I tried to contact them via social media only to get, what appeared to me, chat bots that were unable to help or offer any other form of contact. I have yet to hear back from Paypal from my social media private/direct messages. It is clear to me that Paypal is avoiding any and all contact with customers or anyone else needing to have questions answered. This is a very dangerous practice as people 's credit/financial status is at risk. Paypal did not do their due diligence when opening this account. I did not receive an Adverse Action letter nor did I receive any Enhanced Due Diligence Letter during the account opening process. No other contact was made by Paypal to verify if the application was fraudulent or valid. I have made every reasonable effort to contact Paypal regarding this account that was opened fraudulently and it seems as if Paypal has made a deliberate effort to avoid being contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate Please remove this information from my report per my FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) The account with XXXX XXXX XXXX  opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA CONSUMER LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate PLEASE delete THIS INFORMATION FROM MY REPORT PER MY FCRA RIGHTS The law that has been violated is 15 U.S.C Sec 1681i ( a ) Its your job and my right for you to report accurate and complete information and you all and the bureaus have fail me as a consumer to report a fair credit report
Product: Debt collection

Found collection account on my XXXX XXXX. I do not have any accounts that are past due. This collection company is listed as : WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. 

This amount is for {$1700.00}. Under account xxxxx XXXX. The creditor is listed as XXXX XXXX. While I have an account with XXXX, it is not in collections as it is on autopay monthly.
Product: Credit reporting or other personal consumer reports

I found a fraudulent hard inquiry on my XXXX Credit file Credit Inquiry name : XXXX XXXX Date of inquiry : XXXX Please remove this from my credit file