23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was modified back in XXXX. However shortly after the modification and for over 2 years after it happened, they reported me late XXXX payments. I proved that I had n't missed the payments. However, they did n't correct the situation. Back in XXXX XXXX, I finally got someone that was able to help and clear the past dues and promised me to clear my credit history with the credit bureaus. 
My credit is still wrong after 8 months and now as of the load statement of XXXX XXXX, I now have another past due balance for {$1800.00}. 
I asked Bayview to send me what they sent the credit bureaus to correct my credit and also to receive a letter where they tell me when they will be giving me an answer and hopefully a correction for the fees that are showing on my statement. 
They sent me one saying that they will be giving me an answer by XXXX XXXX. I have not received anything else. So I called today and spoke to XXXX, who is giving me the same answer as XXXX did a month ago, " let me look into it ''. 
XXXX said he would call me in 2 days to give me more information, which is again what XXXX said. He also said, the fees are fees I owe for attorney and appraisal fees, and he doubt I was going to get the waived and that they were just in a different place on the account and that is why I had n't seen them. I asked him to provide proof that they disclosed these fees as of a truth of lending disclosure or anything in writing that they provided to disclosed those fees during the modification. I also mentioned, they told me that all fees were rolled into the load. basically, all fees they were reporting me owning before the modification, they put them as part of the loan and now after over 3 years they are charging them as past due. 

please Help, I am so XXXX out about this, and with the inability of having my credit fixed for the last 3 years, I am still unable to do anything with any other creditor.
Product: Debt collection

Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I WAS CALLED BY XXXX FRAUD DEPARTMENT REGARDING A PURCHASE IN TEXAS AND THIS WAS NOT ME I WAS NEVER IN TEXAS AND I LIVE IN XXXX OHIO THEY STATED FOR ME TO GET A POLICE REPORT I DID SENT IT TO THEM AND NEVER HEARD BACK
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain is an unreliable company! I have an account setup and had auto payments set to come out each month. Not once did they tell me I was late! I got emails saying your payments due, but no worries youre on autopay and will be deducted automatically! Then I cant login to the app for a month due to issues on their end! Then they report Im 30 days late to the credit companies when I never received anything saying I was late or a payment was missed! Tried for a month to contact customer service and they were always busy and couldnt take my call! This is unfair and not in compliance with the Fair Credit Reporting Act! They are horrible T what they do and wont help you get it resolved even though it was their fault their payment was late not the customers! Im not the only one with the same complaint, just read the app reviews from the last few months, people with the same exact issues as me! And they refuse to correct the problem! Now I have a 30 day late that wasnt my fault!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint.
Product: Checking or savings account

I received a check for a settlement in XXXX  and I deposited it at Citibank. The checks were flagged for fraud and they said they had to verify the checks but they never did. Its been XXXX years and my money is still sitting in my account, my lawyers are trying to get a hold of the issuers. More than {$6000.00}.
Product: Credit card or prepaid card

1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX/ASHLEYFURN-DSG the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

I have spoken to these people a few Times i have never had a crimal case in XXXX never been to this town in my life the last time i spoke to them i asked for the info and it was for a XXXX XXXX XXXX male and im XXXX XXXX XXXX male this company cant understand this and my dl number is one digit differnt but im not giving it to them they have the wrong person please stop sending me letters
Product: Credit reporting or other personal consumer reports

I have been the victim of my personal information being exposed to the public as result of several data breaches. 
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: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute currently the company was first progress. My score just went up saying the payment was made. I got my XXXX something points back. The next day my points dropped back down saying I'm more than 30 days late when I already paid them
Product: Credit reporting or other personal consumer reports

This attaches account is showing a balance that is inaccurate. This balance should read XXXX. This is killing my XXXX and stopping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} & XXXX XXXX {$960.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported 12 inquiries on my credit report holding Equifax liable for violating 8 Federally Protected Consumer rights under 15 usc 1681n. Therefore, this holds Equifax accountable for paying me, Consumer, XXXX $ XXXX for violating these terms. The inquires were in fact removed on XX/XX/2021 therefore Equifax admitted that some form of fraud was definitely committed.
Product: Debt collection

My accounts with this company have been paid. Moreover, the debit is listed under several different names. I paid Resurgent but it's listed on my credit reports as LNVN.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an alert that a new collection was reported on my credit reports. I reviewed my reports and seen a entry from Accelerated Financial SO ( 12 XXXX Retail ) with a balance of {$2500.00} and a high balance of {$290000.00}. I have disputed XXXX 's 2 years ago about this account. I requested documents and it was proven that this account was not mine. The application clearly proved that there is an individual with the same name that lives in a neighboring city.
Product: Mortgage

Statebridge LLC a pproved a HAMP modification on my property in  XXXX ,  XXXX . During the trial period, which extended from  XXXX  -  XXXX  of  XXXX , I paid about {$3000.00} per month. After completing the trial period, a final modification was approved and a lower payment, just over {$2500.00}, was offered by  Statebridge,  beginning  XXXX   XXXX . I made regular on-time payments to  Statebridge th rough  XXXX ,  XXXX , when my loan servicing was transferred to another servicer,  XXXX   XXXX .  <P/> Recently,  XXXX  notified me of an escrow account shortfall of almost {$10000.00}, and an increase in my payment from {$2500.00} to {$3800.00} to cover the shortfall. This shortfall was caused by a critical mist  ake Statebridge made in calculating my approved HAMP payment. Statebridge counted only 50 % of my annual property tax, thus creating a systematic shortfall. Since I never received a single bill or statement of any kind from Statebridge, I was completely unaware of this problem until now.
<P/>
This is the second complaint I have made about Statebridge to CFPB. The first was resolved by CFPB when Statebridge admitted failing to apply a timely payment and claimed to be working directly with  XXXX  to correct my payment record, however   XXXX   had heard nothing from Statebridge. I am requesting additional followup on the earlier complaint as well as this new complaint to ensure that Statebridge follows through.
Product: Mortgage

I requested forbearance on my loan for XXXX month 's back when Covid started in XX/XX/XXXX, as the month 's passed i was told my payments would be added to the end of the mortgage, which never happened. XX/XX/XXXX i was told i would be approved for a mortgage modificatio. I called every month with the story being that due to covid it was taking awhile. Finally XX/XX/XXXX they sent the documents to be signed for approval of loan modification and that my first payment would be due on XX/XX/XXXX. I have made every payment since and have called every month since and my account reflects that i am passed due. I've called twice every month with the story being they are still working on it. I have requested manages and supervisors and only XXXX ever did i a supervisor call to tell me they are working on it. Now we are in XX/XX/XXXX and my account has been brought back to be reviewed because noone has an answer as to what is going on with my account, I have lost the ability to lower my interest rate due to this mess. I am very upset, frustrated and feel hopeless with this mortgage company. This is a horrible company to deal with and I'm surprised they are still running with all the bad reviews and complaints
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus have stated that my account has been properly investigated.

How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also.

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

I am contesting the account with SYNCB/CHEVERON DC. It is an account that was opened without my consent. It is showing a balance of {$440.00} with a {$250.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 176 % usage. I need XXXX and SYNCB/CHEVERON DC to correct this account on my XXXX report. I should not owe SYNCB/CHEVERON DC anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX  reports, too.
Product: Credit card

In XX/XX/2023 I noticed some fraudulent purchases made on my credit card. I called and spoke with Citibank rep in regards to the issue. My card was canceled I was told a new car would be issued and the fraudulent charges would be looked into. My new card arrived when I opened my mobile app to activate the card there were more fraudulent charges on my card before I even activated it!! charges had been made to my new card. Once again I called Citibank spoke with the rep they canceled that card set a new one was on the way and they would investigate the new charges which were all foreign charges. I received a new card went to activate it more foreign charges we're on my card again! I requested notification every time my card had been used when I received my next card there were more foreign charges some of the disputes were denied that were made in XXXX XXXX XXXX I have not been refunded as of today for most of the charges... I have canceled six cards I'm still waiting on my next card which was canceled once again I am just at my wits end I get nowhere when I speak with the Reps also hung up on or disconnected with the fraud department please help as my interest rates keep going up ... my credit report looks not that great due to the credit card usage and also being charged more interest and having issues even making payments on the card because they keep canceling my cards many times
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/year>
Product: Credit card

I have absolutely no knowledge of these hard inquiries, 1. from CITIBANK BEST BUY ( Television & Radio ) Date : XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( BANK ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I needed the items to be removed off my report they shouldnt be on my report
Product: Student loan

This is a f/u to closed complaint #  XXXX . I spoke w/Navient re allocating $ $ to my  XXXX  separate loans with the intent of paying off the higher interest loans first. As previously stated in the complaint, I had increased my loan payme nts by roughly twice as much as the original requirement in order to pay the loans off more quickly and was told that I could not allocate funds. Last week, I contacted Navient to 1 ) find out the minimum payments required for each loan ( to continue to make good on the payments ) and, 2 ) advise how I wanted my payment allocated. I was advised by a Navient supervisor that I could only allocate $ $ if I paid EXTRA ( in addition to the monthly extra payment I was already making by auto withdrawal ). When I questioned  why this was so I was told that when I chose to pay more the " terms '' of the loan changed, i.e., they adjusted the payoff date. I still do not understand why that would deter me from allocating funds to the high interest loans first. Certainly I am no financial expert but it makes absolutely no sense to me that because I chose to pay more I would be locked into how I 'm paying this loan, which means that they continue to accrue money from my higher interest loans. Please explain this to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORM TO APPLY FOR ACCOUNTS IN XXXX THIS HAS BEEN AS PAIN TO MY LIFE
Product: Debt collection

Outbound call to XXXX XXXX with XXXX, XXXX on XX/XX/2022 about debt collection for XXXX. Accused us of insurance fraud and threatened to have XXXX 'look into ' us if payment was not made within 24 hours. Never recieved written notice of the debt or information to dispute debt, name of creditor or contact information for the creditor, when we told XXXX XXXX this, he said XXXXCOVID slowed down the mail and some people aren't even getting them '. I also told him I was at work and needed to get off the phone, and he kept insisting payment was needed to keep us from being investigated.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that underscores serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was not feasible. 

The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud. This lack of accountability and transparency is deeply concerning and highlights critical risks to consumer safety. 

I urge Zelle to address these issues and take immediate steps to enhance protections for its users. 

Sincerely, XXXX XXXX