23daVinci/CFPB_Complaints huggingface dataset:
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution an Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible a that tracking these transactions was not feasible. The CFPBS finding indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability a transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This dispute has been mailed to Equifax at the address XXXX XXXX XXXX XXXX XXXX, Ga XXXX by way of certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. USPS mail tracker says the dispute was received at XXXX XXXX XXXX XXXX XXXX, GA XXXX. I want to make sure EQUIFAX IS FOLLOWING THE MANDATED COMPLIANCE PROCEDURES REQUIRED BY A CREDIT REPORTING AGENCIES. I have provided proof and explain to Equifax that the information being reported is inaccurate. XXXX XXXX just verifies everything as accurate. I believe no one has opened my dispute because it is lengthy and over 40 pages. The dispute entails a challenge of accounts, proof of identity, and proof of errors reporting on credit report. I have tried to dispute with Equifax via u.s mail and via cfpb.gov I have had no success. Equifax and XXXX XXXX XXXX XXXX are in violation of 15 usc 1681 e b. XXXX XXXX XXXXXXXX XXXX has been disputed 3 times and no update to correct my informationXXXX XXXX XXXX account and XXXX XXXX XXXX Are inaccurately reporting late payments. FCRA 15 USC 1666 ( b ) expressly deems the reporting of transaction history as illegal, further highlighting the inaccuracies on my credit report.This is my final dispute for resolution, this and the dispute is official notice of intent to arbitrage if the dispute is not resolved within 5 business days no later than XX/XX/2023. At that time I will send a fee schedule via certified mail. Please review my dispute. I have detailed everything. Attached is a credit report marked and highlighted where errors and violations are reporting, a copy of investigations results, a copy of my title, lien release, id, social security card. Everything needed to correct the error is provided for clarification.
Product: Mortgage

This is a complaint being submitted about CMC Funding INC ( serviced by Specialized Loan Servicing LLC ). They did not automatically cancel my PMI as they should have as per the PMI cancellation act under the Homeowners Protection Act. I've already contacted them and they've responded that I needed to notify them to cancel PMI, however that is not true because the amount I paid towards my mortgage should have triggered an automatic termination. 

Automatic Termination The Act requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property if the borrower is current ; or If the borrower is not current on that date, on the first day of the first month following the date that the borrower becomes current ( 12 U.S.C. 4902 ( b ) ). 
If PMI is terminated, the servicer may not require further payments or premiums of PMI more tha

n 30 days after the termination date or the date following the termination date on which the borrower becomes current on the payments, whichever is sooner ( 12 U.S.C. 4902 ( e ) ( 2 ) ). There is no provision in the automatic termination section of the Act, as there is with the borrower-
requested PMI cancellation section that protects the lender against declines in property value or subordinate liens. The automatic termination provisions make no reference to good payment history ( as prescribed in the borrower-requested provisions ), but state only that the borrower must be current on mortgage payments ( 12 U.S.C. 4902 ( b ) ). 

On XX/XX/XXXX I paid off {>= $1,000,000} towards my conventional home mortgage bringing the amount owed on of {$510000.00} down to {$170000.00}. This resulted in my principal balance reached over 78 % of the value of the property on XX/XX/XXXX therefore according to the Homeowners Protection Act my Private Mortgage Insurance should have been terminated. Instead, I was still charged the PMI on 4 different occasions, on XX/XX/XXXX for {$90.00} again on XX/XX/XXXX for {$90.00}, and on XX/XX/XXXX when I was charged twice for {$90.00} and {$33.00} for a total of {$300.00}. These were PMI fees that I should have not been charged since I had already paid off more than 80 % original value of the property. I called Specialized Loan services in XXXX and told them to stop the payments, they did eventually stop the PMI payments but they never refunded me the PMI payments of {$300.00} that I had already paid. The PMI should have never been charged since my lump sum payment on XX/XX/XXXX should have automatically terminated my PMI.

They're claiming that I should have requested for the PMI to be cancelled but that is not true according to their own policy and according to XXXX XXXX XXXXXXXX : Termination of Conventional Mortgage Insurance ( XX/XX/XXXX ).
Product: Debt collection

I called and reported that this was not me and they told me they would remove it but never did
Product: Credit reporting or other personal consumer reports

I've already submitted a complaint about this. The company which is NCB XXXX is still showing my account as open, that I owe {$2800.00} and that it's a derogatory mark on my XXXX It got taken off my XXXX, but not XXXX. I paid this off for a lesser amount at the end of XXXX. I want this off my credit now.
Product: Credit reporting, credit repair services, or other personal consumer reports

chex system is reporting incorrect infomation under my file i had disputed the infromation in my file from XXXX XXXX and XXXX XXXX XXXX they did there investigation and completed it and the banks can not provide anything making the accounts mine expect for one account and the address is not correct either and there reporting it as accurate i called chex systems asking them why they are still reporting the information when they have nothing making these accounts mine XXXX XXXX XXXX can not provide anything on either accounts and XXXX XXXX can not provide anything for one account and the other one is not the correct address i also trying removing address and they will not remove them becauswe what XXXX XXXX states but what they have claiming the account is mine and there proof is not whats being reported to chex systems and also they wont remove it because of an inquiry from XXXX XXXX XXXX XXXX that i never had an account with them and dont recalling tryimng to get an account with them. this is very damaging to me as i can not get a checking account anywhere and they will not remove all this negative information and are still reporting it when they have not been give anytning making it mine please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting

My concern is not listed, but here it is. 
My XXXX and XXXX scores are only XXXX or less values in difference. 
XXXX and XXXX respectively. Equifax, however, consistently has my score at almost XXXX points less than both. I have been told that because I live in a predominantly XXXX area, this is a racially motivated discriminatory practice based on zip code. Meaning the score is deliberately manipulated this way in predominantly XXXX zip codes to prevent us from obtaining fair and low interest rates and even to deny credit altogether. I would like an investigation into this. My score with Equifax should not be cosistently XXXX points lower than the other XXXX reporting agencies and all XXXX have the same credit profile. This has happened with others in my neighborhood as well as my husband.
Product: Credit reporting or other personal consumer reports

I found XXXX XXXX in my credit report and called them and ask about the alleged debt ask them to provide all any won the account and never did send any information but it was removed from my credit report and than later reinstated now I am reaching out to your company to file a complaint on this illegal transaction thats has cause me harm to my personal consumer credit report I have the deleted account information that I will provide today.thank you kindly for your assistance.
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 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 funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 received a follow up from Transunion through this portal that their follow up to my previous report would take 60 days. That is unacceptable as the rules state they only have 30 days. 

Meanwhile, I am being emotionally, physically and financially impacted because I can't get a decent automobile loan because of all the junk on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection for the amount of {$700.00} under the name XXXXXXXX XXXX  that I won a judgment against and was closed. But now that same debt is showing up on my credit report under a new name as XXXX XXXX. This debt I already won a judgement against and had removed from my credit report and now this same debt is showing up as a new account name. This is illegal
Product: Mortgage

Started the mortgage assumption process 4 months ago with Wells Fargo. At the beginning I was told it would be 2 months, it is now 4 months and they can't give a date. The representative keeps telling me how busy and short staffed they are. She said it XXXX be another 2 months, but there is nothing definite. I had been conditionally approved. But I think due to the time, I will have to resend everything all over again. I believe it is all in an effort to have me give up.
Product: Debt collection

XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all 3 credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account Capital One Credit Card, has violated my rights. XXXX & XX/XX/XXXX and XX/XX/XXXX. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

For about six months now my account has been hacked charges has been made to my account without my approval, so Fifth Third have to reimburse me with the disputes just earlier this month on my birthday someone hacked into my account again and they charged my card while I was sleep so They ordered me a new card again this time they ordered me a card and it got hacked again. They told me they were ordering me another card got another card. They had the account closed, opened up a new account and they have not sent me my debit card again for the new account and I have bills that have to be paid. They have access to my money I do not have access to my money or to pay my bills and so I waited today again for the new debit card and it did not show and I have bills do and Im just done Im tired of keep having to run back-and-forth to this bank. This been going on all month for the month of XXXX. I have not had access to my account and I need someone to do better.
Product: Prepaid card

Rushcard has blocked me from retrieving my funds out of my account for {$900.00} that are in my account due to their update of the system on XXXX/XXXX/2015. I have talked to customer service on many occasion just to be told the system is still updating and an escalation had been placed in the back office for review of my account. Plus due to the system update it caused my current debit cards to be inactive which is keeping me from getting my money.
Product: Credit reporting

I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.
Product: Credit card or prepaid card

Credit Line was decreased without notice and APR was increased without notice.
Product: Credit reporting

I have disputed an account that has been in my equifax credit file. This was a car loan that was taken out back in XXXX. I filed bankruptcy in approximately XXXX XXXX this loan went into default 4 month before that which would of started the 7 years of remaining on my credit report in which the credit laws states. This was a chapter XXXX filing or wage earner plan in which this account was under a stay of the united states bankruptcy code. My attorney at that time made incorrect calculations and my case was ultimately dismissed 3 months before its maturity date by the trustee. So in XXXX the firm agreed this was an error on there part and they refilled the case at their expense and I went thru 4 more years of a wage earner plan and this case was finished in XXXX. XXXX is the company that is still reporting derogatory information on my equifax credit report. I have called them numerous times pleading my case with them to remove this old account. They refused by telling me that any time a new agreement is made and it goes delinquent again the 7 year cycle restarts and that they are reporting according to law. The date of first major delinquency was in XXXX not XXXX as they are trying to make their case. They want to have their cake and eat it too and this is n't fair to the consumer and unlawful at that. I feel this is some sort of retaliation for filling bankruptcy to begin with. I have asked equifax to remove this and they told me I have to get first investors to remove it. They will not give me and payment history as they have deleted all that information. They refuse to give me any documentation for a pay history. The way I see it is this if they want to stay with their claim of a XXXX delinquency then I want a pay history from that point showing this account was paid as agreed by the trustee, I brought that point up and she told me they cant do that by law, and I said you cantreport a delinquency of XXXX when it actually occurred in XXXX that is breaking the law. I want this stricken from my credit report and never to return on my report again and I want the government to investigate this company for possible laws they may have violated for reporting this way and if they have broken laws their reporting privileges should be revoked permanently
Product: Mortgage

We need the following information. 
Affadavit 's were filed by XXXX CitiMortgage a.k.a. Citibank 's Vice President. " Representatives ''. However, there is no County or state seal as to the whereabouts the documents were signed and attested too. Please provide the appropriate State , County and Location for XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX, and XXXX XXXX. 
Are the Citi representative 's above located at the XXXX Branch? XXXX Branch in XXXX Coiunty? XXXX Branch? XXXX Branch? 
Thank you for your prompt response to this matter.
Product: Mortgage

I purchased my home on XXXX XXXX, 2014 and signed a HUD for a FHA mortgage. I paid an upfront premium and I have paid monthly premiums since my XXXX payment. In XXXX, I discovered that FHA had not insured my loan. I contacted my loan servicer, Dovenmuehle Mortgage, and I was told that I would not receive a refund because HUD was holding my payments. I received a follow-up call from HUD in XXXX and was told that my premium had been refunded back to my servicer, Dovenmuehle. I have contacted Dovenmuehle multiple times regarding the status of my premium refund and information on monthly payment updates and was promised a call back and no one has called. I also called XXXX HUD departments and no one can find a case number or information on my situation.
Product: Debt collection

This dept shown more than once on credit report and does not show last payment date making very old collection look new. This account shows as XXXX this was dated back in XXXX. This was a voluntary repossession which was charged off in XXXX by old loan holder. They received their vehicles back sold at auction, marked as charge off, then still show as balance owed. This is causing me a huge hardship and holding me back from furthering myself in life. They have never provided documents to prove this dept is mine. I feel as though if this was an account of theirs they should have something to prove so I can confirm if this is valid or not. This is reporting on my credit report two times all with balance owed. I have tried many times to try and get answers/ resolve this with no help. I have also hired a credit repair company who disputed twice with no response in time and they still refuse to remove. When the credit repair company started the process this was on my report more than twice with different account numbers all with the same balance amount so this has been falsified many times by them. 
This dept is approaching the time to be deleted and as a courtesy I would like to request they delete this early for the hardship this has caused me with the falsified information. XXXX and I have grown up worked hard to build our credit and have tried to over come this since we were very young and couldn't afford much back then and just want this cleared and marked correctly. I would have not know this was on my credit many times with newer dates showing if I had not hired a credit attorney who brought it to my attention. So please help us with getting this resolved due to the long frustrating battle we have been going through.
Product: Credit reporting or other personal consumer reports

I saw an account on my credit report that is reporting incompletely and inaccurately. Your industry standard requires to have the MOST ACCURATE AND COMPLETE INFORMATION. 

Account XXXX - XXXX Account status - how is the account open if the term was 1 month and date opened in XXXX? How is this possible? 

I have disputed this account and its listed as " Account not disputed '', why is that? 

What is the date of last activity? 

What was the payment amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.