23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I tried to utilize the governments " Loan modification '' program with GreenTree. I kept giving them the same documents, when asked for, without any resolution. They just kept " stringing '' me along! I then tried to sell my farm but the market dropped and I was in an upside down mtg. I then tried for a short sale & had offers. My XXXX mtg company accepted the offers however my XXXX mtg, GT, refused to accept the offers. Because of them I had to allow the XXXX mtg to foreclose. Now 4 years later GT is suing me for the full XXXX mtg loan plus interest and collection/court fees.
Product: Credit reporting or other personal consumer reports

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  He is XXXX XXXX XXXX  XXXX Request for SCRA ( Service Member Civil Relief Act ) XX/XX/XXXX call to verify request- spoke to XXXX XX/XX/XXXX Emailed received requesting documents to be upload. 
XX/XX/XXXX Email received to call office and i called again to check status, told the request was escalated and under review ( XXXX ) XX/XX/XXXX documents uploaded. Was told I would need to submit a new claim XXXX call again to verify- under review, I was aked why I had submitted so many claims???? 
XX/XX/XXXX - called again, told case was under review and case manager would review. I told customer service I would be submitted a complaint to the CFPB stating XXXX  is not showing the verification date. 
Case ID XXXX Case ID XXXX Case ID XXXX Case ID XXXX Case ID XXXX Each time a document request would come to me via email I would uploaded the document and a new case would be created. I asked to combine all cases as they were pertaining to the same SCRA benefit request. 

Continued calls to the Allegiant Bank of America Service Member customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account 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 card or prepaid card

I had a dispute, they gave me provisional credit as promised, then the next day, took the credits away and gave the excuses that the reason of why they are holding the provisional credits is because if the dispute isn't resolved in my favor the credits that were given would cause my account to go over the credit line!!! When I filed the dispute I was advised I would have full use of the credits while they investigate the dispute!!!!
Product: Mortgage

My wife and I are financially able to pay extra on the principal. For a couple years NewRez applied the extra money to principal right away. About three months ago they sent us a message indicating that extra principal payments would be held until it equaled a full payment, then it would be applied. We dont know just exactly how this extra will be applied. Will they treat it as a normal payment amortizing it and keeping the interest or will they apply it all to principal which is our desire. Im not sure if, in the mountain of paperwork that we signed, if there was a clause that gave them the right to handle extra on payments to their benefit instead of ours.
Product: Checking or savings account

Incident occurred at XXXX on XX/XX/year>. I checked out at XXXX, walked to my vehicle & was approached by female, she had a {$20.00} bill in her hand- '' you dropped ''. She was touching around my waist, hip area as I took my wallet out to put the {$20.00} in ; she was distracting me speaking a foreign language. XXXX Surveillance camera saw her standing behind me as I used my Debit card at check out & also saw her at my SUV, tree blocked picture, but saw a man waiting for her & they walked out of view. When I went to use for a purchase at appx. XXXX to my dismay, my card was not in my wallet. I immediately called Wells Fargo XXXX Fraud department, at this point they are giving me the run-around. I filed a Police Report on Monday XXXX & told XXXX XXXX Wells Fargo that XXXX XXXX at XXXX would " save '' the film. Wells Fargo has not requested it. They used my card to take money out of checking in a bank ( no ID was requested ) and went to different locations, ATM to take money out of checking & savings. I never did receive an alert from the Bank.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have notice that the credit reporting agencies are reporting INACCURATE late payments on my Student Loans. This information is 100 percent INACCURATE/ INCOMPLETE and needs to be updated immediately. It is also a violation of FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( i ) as well as F.E.R.P.A. I would greatly appreciate if this account is updated immediately.

Thank you.
Product: Student loan

My loans have recently been transferred from XXXX to Aidvantage. Prior to the change and prior to the XXXX payment pause, my student loans were on autopay, in order to receive a reduction in interest owed. I had no problems making payments automatically until the loan payment pause. 3 years later my loans have now been transferred to Aidvantage, who on numerous occasions confirmed that my autopayment status was still active and no further action was necessary on my part. My due date comes, they initiate the payment and send me correspondence that my payment was successfully received. However a couple days later they send me a letter stating the payment wasn't received with an explanation of " unable to locate account. '' This is frustrating because they received the same account information from my previous servicer who had no issue with my bank information so there was no error in inputting the information on my end ( because Aidvantage took the information directly from XXXX ). I then proceeded to re-enroll unto auto pay with the exact same credentials and even make an additional payment manually. I called to speak with an Aidvantage rep to confirm my payments and they were confirmed on XX/XX/23 as paid. I even spoke with my bank to see if the bank had an issue with the charge, but was notified that the payment never came through to the bank. Today there has been no payment made from my bank which means there is some issue going on with Aidvantage and their processing of bank information, however I do not want to be the blame for their problem and ve adversely affected. Moreover, I do not want to mail my payment in because I will no longer receive the discount for being enrolled in autopay. 

I have researched this issue to find that there are discussion threads of this exact same issue happening to other consumers being serviced by Aidvantage, so this is definitely a massive technical issue on their part. I was advised that filing a complaint with the CFPB is how other consumers have had this issue resolved and I would like to do the same.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. As a result of this data breach, on XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX had pulled a hard inquiry on my Equifax credit report without my authorization. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal XXXX XXXX XXXX XXXXXXXX hard inquiry from my Equifax credit report. I have submitted at least 4 disputes with Equifax pertaining to this illegal unauthorized XXXX XXXX XXXX XXXX hard inquiry and Equifax have not done a THOROUGH INVESTIGATION and Equifax have not contacted XXXX XXXX XXXX XXXXXXXX about this hard inquiry so that it can be deleted.
Product: Mortgage

I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX, XXXX Account number : XXXX, USDOE/XXXX  Account number : XXXX, USDOE/XXXX  Account number : XXXX, XXXX  Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

In XXXX, I refinanced my home mortgage with XXXX XXXX as the loan servicer. In XXXX of XXXX, I was notified that servicing of my home mortgage loan had been transferred to PNC Bank effective XX/XX/XXXX. I was notified in writing that my automatic monthly payments would continue with PNC Bank, however, I never received a pin # for PNC online banking, and when I called the customer service line on XX/XX/XXXX to ensure that my mortgage would be paid I was informed by the representative that automatic payments had not been set up. Additionally, they were still unable to assist with enrolling me in online banking so that I could review the account and make a payment. Instead I had to make a payment over the phone which incurs a XXXX XXXX  transaction fee. PNC has made the transfer of my home mortgage a terrible experience, and has been completely uncommunicative throughout the transfer period.
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/24 for the following item XXXX XXXX XXXX The item have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. 

XXXX XXXX XXXX Why is the high balance lower than the balance on this collection? Its impossible and needs to be removed!, You have the wrong open date 2 how can it have to open dates on each bureau?, this account has the wrong balance Transunion shows {$5700.00}, and XXXX shows {$5900.00} how can this be?, monthly payment reported on closed account, section 609 states that you're required to send me the paperwork associated with this account. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Product: Payday loan, title loan, or personal loan

I received a letter regarding the poa request for Mrs. XXXX. The letter notes XXXX. The poa request related to a like of credit and NOT XXXX. I am concerned about this and why the company is so incompetent with handling matters. 

Thanks, Cc : consumer financial protection
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax removed XXXX accounts off my credit report. All accounts were not old and this has effected my credit score. I have attached the credit report with all XXXX accounts. 

XXXX XXXX XXXX account XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold a XXXX channel by using a famous trusted escrow service of fameswap. They transferred the payment ( XXXX $ ) to my paypal account. The amount has credited and paypal said that will automatically withdraw to my bank account. After 1 day they asked me about the transaction. I send the screenshots and other detailed explanations. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. That was a urgent need money, so I asked them several times and I complained by messaging them. They are saying " Having limitations on an account doesnt necessarily mean that youve done anything wrong '', then what right they have to hold my money also after I gave their fee for the transaction. The money was very urgent for my personal needs. So I sold my channel and all the process was legally correct and paypal cruelly cheated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Product: Debt collection

The company reported a balance {$430.00} balance on XX/XX/year> from LVNV Funding, a {$380.00} balance XX/XX/year> from LVNV Funding. I have asked them to verify and remove the account but I have not gotten any resolution to this issue as the account is not mine. The company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. I have made attempts to get this issue fixed directly with the credit reporting agency and they are violating my rights by law and I am entitled to {$1000.00} compensation for every violation I have listed, they can either pay me directly or remove the accounts from my credit report immediately or I will take civil action against the company in a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and XXXX XXXX XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
CIG FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXXXXXX Balance : {$5400.00}.
Product: Debt collection

I have attached my correspondence with XXXX XXXX XXXX including a Priority Mail letter which included the police report, FTC Fraud Affidavit, photo of the identity thief and other materials. I was a clear victim of identity theft. The thief attempted to open XXXX accounts ( including the one with XXXX XXXX XXXX ) and successfully opened XXXX of them. Every other company has quickly closed my account and removed any adverse reporting. Only XXXX XXXX XXXX continues to harass me. 
I wrote to XXXX by email and stated that : I have also attached the " Termination Notice '' which she received recently. This is rather ridiculous since XXXX XXXX XXXX terminated the right to use the phones in question when I initially contacted your fraud division by phone XX/XX/XXXX. Nevertheless, I am asking that you respond to this email to confirm the following:1. You will note that the account was opened fraudulently as a result of identity theft ; 2. You agree not to report any adverse or negative items to the credit bureaus ; and3. You cease all future collection efforts. 

The FTC has advised me that if this is reported to the credit bureaus or if a third party collection is undertaken, you will be in violation of Federal law, and I will proceed accordingly. 

Despite this, the account has now been referred to a third party collection agency. I attached the demand. A letter was also sent to them.
Product: Debt collection

I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?
Product: Credit reporting or other personal consumer reports

Account XXXX. XXXX Refference ID : XXXX On XX/XX/year>, I sent a dispute letter to Resurgent Capital Services on behalf of LVNV Funding LLC , via certified mail with receipt number XXXX XXXX XXXX XXXX XXXX and Return Receipt ( green card ) XXXX XXXX XXXX XXXX XXXX XXXX. The Return Receipt was received and signed by XXXX XXXX on XX/XX/year>. 

On XX/XX/year>, I received a response letter from Resurgent Capital Services that included an Account Summary Report, which they claimed provided verification of the debt. However, this document was insufficient as it did not include any original signed agreement, proof of assignment, or chain of title to establish that LVNV Funding LLC had the legal right to collect the alleged debt. 

On XX/XX/year>, I sent a follow-up letter via certified mail with receipt number XXXX XXXX XXXX XXXX XXXX XXXX, requesting proper validation of the debt. Shortly after, I received another letter from Resurgent Capital Services, dated XX/XX/year>, stating they had initiated a review of my inquiry. 

Despite the debt being under dispute, it continued to be reported on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( b ) and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). These actions have caused harm to my credit profile and may represent deceptive practices. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure Resurgent Capital Services and LVNV Funding LLC comply with applicable federal laws, cease reporting the debt during the dispute process, and provide proper validation of the debt as required by law.