23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need the CFPB to do an investigation of what went on with my duplex that was foreclosed by XXXX XXXX. I believe this property was already paid and was not released. However not only did I lose the duplex and its value I have paid for it three times - once with the payments, once with escrow used to pay for it and once with money from the Indy Mac line of credit -that was not really extinguished - to pay back the escrow I had already paid. The escrow for the duplex foreclosed has been paid to date from the field adjustments in modification already paid to midland mortgage AND XXXX XXXX! 
I need someone to sift through this mess. 
In addition since the duplex was paid by Indy Mac where is the money I also paid to XXXX XXXX after they paid off their balance with the money from the foreclosure sale? Did they buy it back with my money I had paid and then sold it again? Or was it Indymac who actually foreclosed and added the interest I already paid to XXXX XXXX back into the loan modification on my house? 
I WANT THIS FIXED. 
I have paid for my duplex I no longer own did not receive the rent and/or proceeds I was entitled and have a balance on a mortgage on my house I DO NOT OWE. 
THERE ARE BLATANT SERVICING ERRORS and I am the one forced to PAY to prove it or XXXX pay for my house TWICE. 
WHAT is the CONSUMER financial protection bureau going to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to provide additional information from undeniable documents. Please see file attached as XXXX has responded that my request to block could not be honored without further information. THIS CLAIM IS TO PROVIDE SUPPORTING DOCUMENTATION!!! I have tried to provide said documents directly to TransUnion online but was unsuccessful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the sender from XXXX  XXXX XXXX transferred {$2500.00} via Zelle to my bank via my cell phone number ( it was sent to the correct number ) was never received. I was never notified by Zelle of the deposit, it didn't happen, and the sender was never returned the money. I realized that this deposit did not happen in XX/XX/XXXX. I missed that it was never deposited, probably due to at the time that my brother has passed away. I started prepping for taxes this year and finally noticed that it was never received to my bank account and it was never returned and credited to the sender. 

I have contacted my credit union and the sender has contacted her bank and we have spoken to the Zelle reps at the banks. The sender initiated a claim that was denied, and my credit union is still working on it, with no help so far. 

Companies involved : Zelle, XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', XXXX XXXX XXXX ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of PHH Mortgage Corporation ( " Debt Collector PHH '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector PHH by and through Debt Collector DM  and Debt Collector XXXX  within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the  statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( 1 )  said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector PHH 's predecessor XXXX XXXX XXXX XXXX ( " XXXX  '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling {$15000.00}  that were paid to and cashed by Litton for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector PHHs predecessor Litton crediting said payments to the subject account. ; and ( 2 ) Debt Collector PHH, Debt Collector DM and Debt Collector XXXX  continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector PHHs predecessor Litton without any legitimate reasons or explanation.

Additionally, Debt Collector PHH by and through Debt Collector DM and Debt Collector XXXX  continue to ignore my response to  produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Product: Credit reporting or other personal consumer reports

The bankruptcy court stated they do not report to the credit bureaus however a bankruptcy keeps showing on my report, this has stopped my homebuying process and costing me more financial debt. 
This bankruptcy has been discharged for 6 years
Product: Credit reporting or other personal consumer reports

I reached out to experian and XXXX over discrepencies and inaccurate reporting on my credit reports. XXXX XXXX as well. Despite me submitting documents & requests for review they did not remove inaccurate or derogatory remarks from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to get Nationstar dba Mr. Cooper to fix inaccurate information off of my credit reports regarding a former mortgage that I had. I have also gone to each of the credit bureaus to get information corrected without any success. This includes XXXX, XXXX  and XXXX. 

My former mortgage with this company shows that my account is actively 120 to 150 days late and in a derogatory status. I am being denied student loans because of this matter. Home was sold in XXXX and of XXXX in a short sale due to divorce. My credit shows account is in a delinquent and derogatory status and is currently at least 120 days past due. 

I contacted credit bureaus and Nationstar many times now. Nationstar provided me with a copy of the mortgage release when property which was located at XXXX XXXX XXXX XXXX XXXX MD XXXX under loan number XXXX. I have sent to bureaus to demonstrate there is no current outstanding balance, it is not in a current derogatory state and no money is owed any longer. Home sold and home transferred to new homeowners at that time. The other issue with Nationstar/Mr. Cooper is that I even had an offer for a higher sales amount to sell home in XXXX and it was denied. Home didnt sell for many months past that and another offer came in lower and was accepted. Meanwhile, the home sat and continued to negatively affect my credit in the process. I guess that is why there is a class action law suit against this company for repeated violations from foreclosures and short sales. 

Anyhow, I did manage to have XXXX  report corrected in XX/XX/XXXX. But, it has since recently changed again to a derogatory status and currently late 120 days. I have tried to contact bureau and have been unsuccessful in getting this corrected. All parties involved are not fixing this issue. I cant even make any more requests to the bureau because they are verifying the accuracy as correct due to information verification received from Mr. Cooper. 

This is a blatant violation at multiple levels and clearly violating my rights under the Fair Credit Reporting Act. Neither the credit bureaus not Mr. Cooper are correcting the data. Data gets periodically updated with wrong information, account keeps getting re-aged and doesnt reflect the accuracy of this former account. 

I am requesting help because I am not sure what else can be done on my part. I need the bureaus and Nationstars assistance in helping to resolve this matter. I have called, emailed and done everything humanly possible without success. This account needs to updated to reflect accurate information immediately or be deleted from my credit report. There has been ample time to resolve this. 

I can not get a student loan for my daughter because of a currently delinquent status and incorrect reports being made. Very wrong and unfair.
Product: Vehicle loan or lease

I was looking for an auto loan on XXXX XXXX. This company XXXX XXXXXXXX XXXXl came up with the best rates. We, my wife and I applied for the loan and were told the rates would be around 2.74 % for 5 years. Mind you my wife and I have top 1 % credit scores. XXXX. The entire process was long and drawn out and they kept requesting what I thought was an outlandish amount of additional information. The whole process took about a week for them to come back and say we have great news you are fully approved for a hot mess of a loan. They wanted to give us terms of 5.75 % for 36 months. No where near best out there, no where near advertised, and then the icing on the cake was they wanted to force me to buy a vehicle warranty plan. They didn't even understand that I have 2 years + left on my factory bumper to bumper! Bait and switch, super misleading and huge waste of time. These companies with bait and switch need to have a serious coming to XXXX with the XXXX. 

I do not have the audio recordings of the phone calls ; they do. 
I am looking for a screen shot of the advertised 2.74 % and 60 mo. After I told them I would be filing a complaint I noticed they pulled the rate from the lending tree offer page.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. 
Bankruptcy XXXX XXXX-discharged Reference # XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair credit reporting act XX/XX/XXXX Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) # XXXX XX/XX/XXXX# XXXX # XXXXXX/XX/XXXX # XXXX XX/XX/XXXXXXXXXX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 17 years I have paid ALL of my accounts on time. I have not been contacted by anyone from XXXX XXXX XXXX XXXX XXXX XXXX  via phone or mail regarding this account ever! It just showed up on my report! I have tried to resolve this issue with Transunion with no success. There are multiple people that have experienced the same issue with XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX  XXXX {$900.00} - - - Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX   XXXX {$1100.00} XXXX  XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX  XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX  XXXX {$4200.00} XXXX  XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX   XXXX {$2200.00} XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have entered a complaint with the CFPB about this issue. 

Equifax shows my maiden name instead of my married name on their three-bureau credit report. ( The other two credit bureaus show my correct name. ) Equifax refuses to correct their mistake. 

I have contacted Equifax by mail with documentation, on their website submitting documentation, and by phone talking to numerous persons. They " investigated '' my dispute then closed it, still refusing to correct their error. I contacted the CFPB in the hope you would assist in making them correct their error, but it appears my only option is to file a new complaint on this same issue. ( Is this what your agency is for? A place to complain, but it takes no real action to assist? ) Anyway, today ( XXXX ) I attempted to refile the dispute on the Equifax website. The site would not upload ANY of my documents that show proof of identity. 

Is the CFPB going to help me this time?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify adequately notify consumers of dispute outcomes. My information was expose in a data breach in section 605 ( B ) The law entitles me to have incorrect or unverifiable information remove from my credit report These failures align with my experience, where Experian has neither connected 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: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dismay regarding certain inquiries and accounts that have recently appeared on my credit report. I believe these inquiries and accounts to be fraudulent and have not authorized or initiated them. 

**Fraudulent Inquiries : ** XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 I request that these inquiries and accounts be investigated immediately and, if found to be fraudulent, be removed from my credit report as soon as possible. Additionally, please freeze or put a security alert on my credit file to prevent any further unauthorized activities. In light of the situation, I am also providing a copy of my Identity Theft Report from the FTC, which supports my claim of potential identity theft. 

Additionally, there are late payments listed on my account, which I believe are errors. I maintain that I have always made timely payments for these accounts. 
** Inaccurate Late Payments : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Over the last 6+ months I have been trying to get Navient to process a recertification for an income based repayment plan on my student loans. First in XX/XX/XXXX then again in XX/XX/XXXX. In both instances I was given miss information by Navient customer service as well as told I did not complete the process ( which I have done for several years now ) incorrectly. In addition Navient applied a forbearance to my account when I expressed my desire to pay a past due amount. The representatives continually provide miss information and as result have cost me several thousands of dollars in accrued interest as well as severe hit to my credit report and score
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XX/XX/XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 

In correct information ( address ) on my credit file. I have never lived/ stayed in the following addresses listed on my record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently got a copy of my credit report and saw this fraudulent account this account is hurting my credit
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with 2022 because I have never lived at this address and do not have any credit cards from this address. Experian reported is as being verified and updated the account.
Product: Debt collection

XXXX XXXX XXXX has contacted my ex husband numerous times trying to collect a debt that is mine that was obtained years after our divorce. The most recent time was Friday XX/XX/XXXX. He has told them every time he is not me and they just keep saying when are you paying this debt. We need it paid. You are the said party and just lying.
Product: Money transfer, virtual currency, or money service

I had been using my account with no issue for quite some time, maybe about two years or so. One day it randomly got banned. I called my bank to find out why, and I was told that I need to contact Zelle. Once I called Zelle, I was told by support that I need to contact my bank ( which I had done in the first place ). I have been dealing with this issue for about two years now and I have not even been told why my account has not been reinstated. I am a student and a lot of my family only uses Zelle so it has hindered me greatly. It also seems that the Zelle and my Bank support team have no idea what to do either. It has become extremely frustrating. I only use Zelle to send and receive money with friends and family, so I am unsure of how an issue may arise. I was informed that there is a possibility that the automated system MAY have made a mistake, but I have not gotten a straightfoward answer or solution.