23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Completed a successful XXXX loan mod this year. I have a payment issue. My mortgage payment ( PITI ) as per the escrow analysis done on XX/XX/2022 is {$2100.00} starting XX/XX/2022. Selene Finance ( the servicer ) claims they errored in the analysis and are now asking for {$2500.00} starting XX/XX/2022. The taxes and insurance have not increased. The variable is ( {$4700.00} yearly ). They have not been able to explain other than stating the PI of the loan was calculated incorrectly. They claim the PI to be XXXX. I also asked Selene to remove the mortgage insurance retroactively from my account being that the property market value vs the current principal loan balance is well under the 80 % mark. They have denied this request with no real basis to substantiate themselves. Finally, they filed a foreclosure action at the beginning of 2022 that was finalized with a court order in which all parties were ordered to pay their own attorneys fees and cost. Selene added their fees and cost to my loan balance. I have provided a copy of the court order to Selene and have yet to see any action on their part to remedy this. It has been months and nothing to date. A payment was made in the amount of {$2100.00} for XX/XX/2022 and they have cashed this check placing the funds in a suspense account. My mortgage loan now shows as past due in Selene 's system. Please assist to resolve these matters.
Product: Debt collection

requested proof of ownership of debt on XX/XX/year> company never provided proof
Product: Credit card

I'd like to request a copy of the contract that was opened with my social security number as evidenced by the hard inquiry reporting on my credit report ( page XXXX of the attachment, circled in red )
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank XXXX merged with XXXX XXXX XXXX and is now XXXX. Due to the merger there were errors made on their on line banking platform, where auto debit payments were not made. 

A payment to Best Buy ( Citi Bank ) was missed by XXXX  XXXX. 

I have a letter from XXXX XXXX admitting their error. I have spoken to 15 or so Citi employees including a quite rude Supervisor named XXXX. 

Many were empathetic, and one Supervisor XXXX even went so far as to say " I see what happened and you should not be in the middle. We can fix this internally ''. When I followed up, Supervisor XXXX said " it's not our error, and our position at Citi is unless we make the error, we do not revise the credit report, even though you are not responsible ''. 

I am baffled as to how I as a consumer am being so negatively impacted with ZERO help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Debt collection

The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.
Product: Mortgage

My anger is not over the fact that my loan was denied. What I felt was unprofessional and rude was the total lack of communication exhibited by the mortgage company. 
At one point, I didnt even know who we were working with. At first it was this one lady, then the situation got handed over to another lady who didnt even have the sense enough to clear her phone messages! 
The first agent would not even respond to an email I sent her concerning a possible scam situation. Neither would take calls from me or my wife! 
They knew there was a bankruptcy involved, but didnt start asking in detail about it until I had paid for an inspection and an appraisal! 
Finally I called the branch manager, who was just as rude, insensitive and uncaring as his subordinates! Early in the process they give you a closing date. He is quick to claim how high CrossCountry rates with the VA. 
Nearly ten days after the supposed closing date, I finally get a denial letter. I can handle my disappointment, but I feel badly for my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints about information being incorrect, Have also presented XXXX, Equifax and XXXX. I have never signed any contract with them allowing them to share my information which is identity theft and a violation of law and the FCRA this has caused me and my family harm in which I am about to sue them all to the fullest extent of the law. They have consistently reported the debt of a living fiction on my personal record which according to HJR 192 and Public law 73-10 all debts are by law the responsibility of the U.S. Government ( Corporate Fiction ) I will give the 3 business days to remove all old accounts, closed accounts, all addreses accept the current address ( XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX ) off my record or I will file suit for all FCRA violations, Identity theft, commercial and corporate fraud. Also according to 18 USC 8 : Obligation or other security of the United States defined Text contains those laws in effect on XX/XX/XXXX From Title 18-CRIMES AND CRIMINAL PROCEDURE PART I-CRIMES CHAPTER 1-GENERAL PROVISIONS 8. Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke to a Transunion rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXX XXXX -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called Transunion got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.
Product: Credit reporting or other personal consumer reports

" I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C.
Product: Money transfer, virtual currency, or money service

Cash App services has not only taken my legitimate student loan refund money, they are now refusing to cooperate and holding the sum ransom in the following ways : - they are not indicating why the money is being held or rejected. 
- they can not provide a timeline of when this will be resolved. 
- they are not providing any details whatsoever regarding what the issue is. 
- they are in violation of the CCPA as they can not provide any details whatsoever for fraud and theft of money that is mine. 
- The associate can not even give me their own name. 

They can not or do not even have proper procedures in place to be able to send the transcripts of the support chats when asked which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 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 consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency.

If the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan for {$600.00} from Speedy cash to pay XXXX XXXX XXXX XXXX since I had to take XXXXXXXX XXXX XXXX XXXX XXXX. The loan was XXXX. Between XXXX and XX/XX/XXXX they garnish or levy over $ XXXX and now again XX/XX/XXXX they say I owe $ XXXX this is ridiculous. I have XXXX XXXX and caring for my XXXX XXXX XXXX about to lose my home and car.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I've got a Alpheon credit card that I've never applied for. 
They checked my credit score on XX/XX/XXXX. 
I found this card in my mail box on XX/XX/XXXX. 

I tried to reach to the company by calling them the numbers below. 
XXXX XXXX But I couldn't reach to any representatives but I accidentally activated the card. 
I didn't say anything about regarding " activating ''. I was trying to reach to representatives but the phone call system just activated the credit card. 

I think someone opened the account with my SSN without my consents. 

Also, I received an email on XX/XX/XXXX from SSA which is suspicious. The email is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute online with Equifax on XX/XX/2022. An account for XXXX XXXX XXXX was inaccurately reported on my account as a closed collection. I contacted XXXX XXXX XXXX and was told that I dont have an account in collections and they would contact Equifax to have it removed. On XX/XX/2022 Equifax closed my dispute as completed in accurate. I contacted XXXX XXXX XXXX again and was told again that I did not have an account in collections or closed. Equifax did not properly investigate my dispute and has caused me a great deal of stress, Im having a hard time buying a home as a first time home buyer because of this inaccurate account that was placed on my credit report.
Product: Debt collection

Repeated calls before XXXX. Was not sure why this kept happening. They then called someone that I have no relations with ; but they reached out to me saying that they were asking for my name. However I have never received a notice from Rash Curtis and Associates to my knowledge. Never in writing no mail regarding my past due balances. I asked for validation of credit debt and they were unable to confirm as they were not able to confirm my identity even though I provided my name and in turn the person on the phone told me have a good day and hung up.
Product: Checking or savings account

I am writing to formally express my concerns regarding ongoing issues with direct deposit services provided by Capital One Bank. 

I request a detailed explanation of the reasons behind the current disruptions in direct deposit processing, including the expected duration of these issues. Additionally, I would appreciate information on the steps being taken to resolve this matter. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience caused by the unavailability of funds, as this situation has significantly impacted my financial planning. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This correspondence is to notify EXPERIAN that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title ''. EXPERIAN is not maintaining reasonable procedures. Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS SHOWING TO DIFFERENT DATES OF DEPOSITING MY MONEY WHICH I PAID IN FULL CODE XXXX ON XXXX XX/XX/year> IN PERSON AT XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX LA XXXX. NOW THEY HAVE XXXX DIFFERENT DATE OF XXXX AND XXXX OF DEPOSTING MY MONEY THAT ACTUALLY ZEROED MY BALANCE TO {$0.00}. THIS DETRIMENTAL TO ME PURCHASING MY HOME, I'M FURIOUS THAT THIS ENTITY IS EXERCISING BEHAVIORS OUT IN OPEN PUBLIC. FOR THIS INSULT I ASK FOR LACHES OF {$1000.00} DOLLARS FOR EACH VIOLATION, AND LACHES TO BE APPLLIED IMMEDIATELY FOR EVERYONE INVOLVED OF $ XXXX NOW THIER SHOWING REVERSALS ON THE ACCOUNT AFTER THE FACT OF FACTIOUS ACTIVITY ON THE ACCOUNT XXXX XXXX XXXX CODE XXXX. PAID IN FULL ON XXXX XX/XX/year>. 

THIS ENTITY NEEDS EXTREME LACHES APPLIED IMMEDIATELY {$35000.00}
Product: Mortgage

To whom it may concern : I have been submitting documents to my mortgage lender so they can review me for a loan modification. They continue to advise that they are not receiving my documents when we are getting an email confirmation. Something is going on with their intake team that this delay is not helping me. I need a manager or supervisor to get involved and help me save my home!

I don't need another excuse for them saying they never received any documents.!
Product: Checking or savings account

On XX/XX/XXXX I was fraudulently charged with a bank transfer to an account in my name I did not open. I called my bank, Comerica aka Direct Express, to let them know. Instead of them realizing that my online banking was set up and taken over by someone I don't know, they only canceled and sent out a new card. When I received my next monthly XXXX payment this same person again, took the rest of the money from my account, on XX/XX/XXXX. I called my bank again and talked to a smarter Rep who realized the problem was much bigger than sending out a new card. I was told I needed to fill out a form within 10 days but I did not receive that form in the mail until after they asked me to send it in. When the second transaction happened they told me I could fill out both dates on the same paperwork and was promised by a supervisor that I would be receiving the provisional credit for the 2nd transaction. I sent it in that day and that was a terrible mistake, I wish I had done it on 2 forms. They have completely denied any provisional credit, even though I was told I would receive one by a supervisor on the XXXX. After 10 business days ( XX/XX/XXXX ) they emailed me telling me I was denied. So I called in Friday, XX/XX/XXXX, and everyday until today, Wednesday, XX/XX/XXXX because they didn't see on their end we were being denied. All of the supervisors I spoke with made it sound like they were trying to find out why we were denied for a provisional credit on XX/XX/XXXX because I didn't send in the paperwork by XX/XX/XXXX. Do they expect me to go back in time to fill out paperwork for a transaction that hadn't happened yet? I didn't receive the form in the mail by that date and still have never received the other form they automatically sent out from the 2nd transaction. Now they are saying they are making me wait past the 45 legally allotted days to return those funds to me. They are not following the law. I have filed a complaint with the Federal Reserve and now I am filing a complaint here. This company directly deals with accounts of those on federal programs. So they are making XXXX people jump through extreme hoops, to never receive their money. I read many articles online about how they make people wait months to return funds. I can not wait that long as they are holding onto {$890.00} of mine and have been going without groceries or paying bills. I would like for them to lose their contract so other XXXX people don't get XXXX XXXX  by this company. They are a disgraceful company. I wish I could switch to a different account.
Product: Money transfer, virtual currency, or money service

I am willing to formally express any concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted repeatedly to obtain copy of my consumer file from LexisNexis and they have blocked access with error messages and extended wait times. As a result I have been unable to view my consumer risk file that caused my insurance premiums to increase substantially.
Product: Credit reporting or other personal consumer reports

I asked for my account to be confirmed as paid in full/paid off and closed. It was confirmed and I asked for removal of account from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services is refusing to report my account correctly after multiple calls and emails as well as letters from my attorney with legal bankruptcy documentation included for reference.