23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had insurance claim money for home repairs held hostage by mortgage company XXXX XXXX. XXXX turned over all funds to Green Tree. I attempted to recover funds from Green Tree in order to complete insurance repairs and pay contractor. Green Tree acknowledged possession of funds and also exhibited a willingness to help. I was given instructions from Green Tree Rep on how to obtain funds.The instructions were to have my contractor call Green Tree and arrange for a disbursement. Rep said he needed a tax number from contractor to proceed. Contractor said he could not communicate with Green Tree because they were reluctant to negotiate with anyone other than owner of property. This was disconcerting because I realized that I was now going in circles. My next communication with Green Tree was a failure because reps did not understand situation. They were abusive and forthe most part unwilling to help me arrange this transaction. Rep hung up on me each time I called. From this point I could not get a positive communication with Green Tree 's customer service center. Communication was negative. I was hung up on, lied to, disrespected and disregarded.My wife experienced similar setbacks. Now my mortgage company is Dytech. This lack of availability has caused my contractor to cancel and break contract and negotiations. I am now suffering abuse at the hands of the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file Bankruptcy XX/XX/23 and all creditors have been notified. The credit reporting company has reported being notified and still had the balances on my report as well as open accounts they were closed. They have not given me a copy of the report every time I sent the ID & Proof of address they request they ignore me. They are reporting inaccurate, not providing me a copy of my report, not updating my new balance decreases. They still have so many inaccuracies reporting even after they were notified. XXXX  accounts were closed, cc were closed XXXX balances, car loan closed no balance/
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I originally fell behind to medical issues that led to unexpected doctor bills and caused financial hardship. I have been trying to work with the lender to obtain a loan modification without success they state I do not qualify and I have resolved issues by increasing income and still state the same reason. Thereafter filed for a Chapter XXXX bankruptcy to try to reorganize the debt and thereafter the lender opposed the bankruptcy and caused to not go forward. In every attempt I have made to save the home they have made me fall further behind by not assisting my situation. Further they finally offered a modification making payments of close to XXXX and I made the XXXX trial payments and thereafter the modification was cancelled because they state I did not return the documents which I did not receive. I am desperate and frustrated and my health is being affected from all the stress this issues has caused. I have looked into filing a Wrongful Foreclosure lawsuit but at the moment can not afford an attorney and just want to save the home. Also this issue also started when servicers change and amount of debt increased without explanation.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

I purchased my home in XX/XX/XXXX. At closing, the attorney collected my first years insurance and taxes and paid them. In summer of XXXX, I received a notice from Amerihome Mortgage saying my escrows were behind. On reviewing the statement, it showed that they paid insurance from my escrow account in XXXX. I contacted the closing attorney who sent proof they had paid it already. I forwarded this to Amerihome 3-4 times and asked fir a cancelled check or any proof of payment. I had also contacted my agent at XXXX XXXX who checked and said they had only received payment from the attorney. 
My closing attorneys office contacted them as well. After emailing and calling multiple times, they still will not send proof of payment. 
I am on XXXX and can not afford extra expenses on a fixed income. The {$1200.00} that is missing is a huge amount of money to me. I was told multiple times ( after spending very long times on the phone ) that they would send proof and they never do. Any honest company would get yo the bottom of this issue and make it right.
Product: Debt collection

On XXXX/XXXX/XXXX I received a call while at work from an unidentified person claiming a loan needed to be paid on that day otherwise there would be consequences beyond her control which I would be responsible for. 
While on my lunch break, I received a text stating that my roommate received a call stating that police officers were at our residence ready to arrest me for passing bad checks. I immediately called my bank and asked them to freeze the account, and also called the police department only to find out from the dispatcher that they needed the officers name and badge number in order to expedite the call. I took off from work so that I could get more information. I contacted my roommate and he stated he received a call that police were outside our house and when he called the number, he was given further details that I had passed bad checks and the police were going to arrest me. My roommate did not pretend to be me, yet he was given the information as if he were privileged to know my personal business. I received a call the next day by a person claiming to represent loanme and was also informed that she had contacted my son, my exhusband, my work, and my landlord in addition to my roommate, all of whose numbers were not released to them by me. I did n't even know my roommates number until the day before. She again threatened me that they needed an answer today otherwise they were calling the police back to my residence to arrest me. I repeatedly told her that I could not afford to pay and that I had n't even paid rent. She assured me that it was not personal, and she empathized but persisted that payment needed to be arranged otherwise I would go to jail for writing XXXX bad checks and based upon the information she had and her knowledge of the laws in the state of California that I would definitely be serving time unless I could afford a good lawyer, but I would still be in debted to the lawyers fees, court fees, and the debt as well as jail time, therefore rent would no longer be as important as securing my freedom. Under extreme duress I agreed to have the money taken out of my account, but after contemplation, if I do n't even have the money to pay, how does this free me from NOT defrauding them? Your representative 's solution appeared to bait me in to serving time in prison as well as getting into further debt
Product: Credit reporting or other personal consumer reports

Dear EXPERIAN XXXX XXXX XXXX XXXX, TX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : XXXX XXXXXXXX Amount : {$7100.00} Account NumberXXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS BEING A " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This Debt assumed was for Business Purposes ONLY. Never used for personal use. Shouldve reported to Business Credit file.

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Dear EXPERIAN XXXX XXXX XXXX XXXX, TX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : XXXX XXXX Amount : {$2600.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS BEING A " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This Debt assumed was for Business Purposes ONLY. Never used for personal use. Shouldve reported to Business Credit file.

This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. 





XX/XX/2023 Dear EXPERIAN XXXX XXXX XXXX XXXX, TX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : XXXX XXXX Amount : {$2600.00} Account XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day late payments for my XXXX account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XX/XX/year> ( Equifax ) XXXX XXXX and XX/XX/year> ( XXXX ), and XX/XX/year> ( XXXX ) are erroneous and do not align with my actual payment history. 
Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

They sent a process server to my door on XX/XX/year>. Saying it was in regard to an old credit card bill. Asking for a summons within 20 days to answer. Sent them the answer told them I want them to cease and desist from all further contact with me. That I only live on SSI, and could not afford this. However told them I would settle for {$10.00} because thats all I could afford. They sent back a letter dated XX/XX/year>. Scamming for a higher amount than what they originally said which was {$1400.00}. Now they want 70 % of XXXX to be paid to them within 30 days. I want them to cease harassing me. Nor do I want to reopen the credit file or prolong it with them again. I just want nothing to do with them and their client anymore. I am only on SSI, am XXXX  and XXXX. Yet they ( XXXX ) doesnt seem to get this. Particularly that SSI is judgment proof. Which means obviously I cant be sued. I am really scared out of my mind because they act like they wanted to sue me. And never gave me a chance to dispute this alleged debt. Which I consider I dont owe them. They ruined my whole XXXX XXXX  this year, leaving me, an XXXX  XXXX XXXX XXXX disturbed and unable to enjoy the XXXX XXXX  with my friends and family like I always look forward to doing.
Product: Mortgage

My mortgage is currently managed by Cornerstone Home Lending , Inc. serviced out of XXXX, NJ. I have a had a series of issues with this mortgage company from them not paying my home insurance from my escrow account with an available balance to not providing me with my requested documents. In addition, we are exempt from paying taxes and this documentation was provided in XX/XX/XXXX. In XX/XX/XXXX, we received a letter stating that our new mortgage rate was increased to account for the XX/XX/XXXXtaxes. I had to spend nearly on hour online trying to figure out where to re-send this documentation I have been contacting Cornerstone since the beginning of XX/XX/XXXX. My online account has been turned off. I have never received confirmation as to why my online account is turned off ; however, I believe that it is due to my current bankruptcy. Please note, THIS HOUSE IS NOT INCLUDED IN THE BANKRUPTCY CASE. 

I need a 30 day payoff statement. We have complied with the requirements to send in an official request first. I have called Cornerstone regarding this request seven individual times. Each time I am transferred around and ultimately placed on hold. The hold times have ranged between 45 minutes to an hour and half where I ultimately end up hanging. I have talked with the Director of Regulatory Affairs, XXXX XXXX ; however, I still have not received the 30 day payoff statement. This has now caused an adverse effect on my ability to refinance my home with a new company. The new company is unable to complete my refinance paperwork without a 30 day pay off statement. Since Cornerstone has refused to send my 30-day payoff statement, they are forcing me to remain finance through them. I do not want my home financed with Cornerstone any more. 

Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling my disputes particularly in light of the recent CFPB lawsuit that highlighted issues with Zelle. Despite using Zelle numerous times and reporting issues or discrepancies my financial institution and Zelle failed to properly investigate my claims. They informed me that the recovering lost funds was impossible to track and that funds was unfeasible. The CFPB go findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit systems, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises concern about the consumers safety.
Product: Credit reporting or other personal consumer reports

I had 2 loans with XXXX XXXX XXXX : loan # XXXX and loan # XXXX. 
Both of them were paid off in XX/XX/year>, and XXXX sent a set of recording documents at corresponding XXXX countries. however these XXXX XXXX  still show as active loans in my credit reports. I called XXXX, I was told they have reported these payoff to credit agencies. 
I am requesting credit agencies to show these 2 loans status correctly as paid off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX or XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Well? Here I am again opening a new complain. After my last call to you in XX/XX/XXXX ( sorry, I do not remember the exactly day ) I received the letter Of American Express around the first week of XX/XX/XXXX,  about my complain number XXXX. 
I need to open a new complain after I followed my funds with Taxation and Revenue State of New Mexico. The State of New Mexico needs to know when ( exactly ) American Express send the report and the total amount, the State of New Mexico it has not receive any info about it ; neither any number or sum. Actually I also need American Express to prove me and tell me how American Express sent my information and my funds to the State of New Mexico.