23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this letter to report deceptive activity of Freedom Mortgage regarding Loss Mitigation. We signed a loss mitigation form and submitted it to the bank in XXXX of 2022 ; however, the I found that the information was incorrect, therefore Freedom corrected the information and reissued the Loss Mitigation Loan docs for us to sign in the following month. Las month I received a XXXX of a copy of the loss mitigation documents that I signed. They were the correct documents. In addition, the correct loan modification documents have been posted to my account. In the meantime, I recieved a notification of activity from the county accessor of activity. So I paid for the document that was file on our property, identified as Modification, on XX/XX/XXXX. It is the incorrect document. I do not know how in the WORLD this can be an oversight when, doing this process there is so much quality assurance that occurrs to ensure that the information is correct. But the papers the accessor recorded are stamped and the papers that were correct and signed for the same modification are stamped. I would have never know these documents were filed with the county if I did not sign up for those notifications. I am a minority. Freedom mortgage has been previously fined by the CFBP for incorrect treatment of minorities as well as numerous lawsuits regarding their loss mitigation practices. But this is just blatently and entirely insane. I should be able to trust my mortgage company. And if God did not give me a dream about their shady practices, I would have been shafted long time ago. I don't even get a portion of the money you all collect from them in fines but this activity is absolutely insane. They take payments that have been canceled. They mislead consumers and I have documented screen shot proof of all that. But since that is not my initial complaint, I will leave you with these terribly blatent illegal discrepancies. Have a great time fining and making another collection from them on my behalf, because I am more than positive that they have done this with several consumers. I have uploaded the incorrect paperwork filed at the county accessors, the copy of the paperwork I signed and all the records recorded on my account with them online, and with the dates they were recored. I also have screen shots of all those files and corresponding dates, however I did not upload those.
Product: Credit reporting or other personal consumer reports

XXXX  has not reported my loan balances since XXXX
Product: Credit reporting

After checking my report there is 2 errors. 
I did have my credit information stolen on 2 different times, On the State and Federal level. 
There is a bank listed in know nothing about it, and a change of residence in my address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, has violated my right. 

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: Student loan

Payments are being made to EdFinancial and are not being applied towards my loan. XXXX payments of {$100.00} were made XXXX, XXXX and XXXX but are not posting. They will show up as pending, and then when the money is taken from my bank account, it disappears from my payment history. I have submitted an email and attempted calling and have not heard anything back. 

{$100.00} each was withdrawn from my bank to EdFinancial on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Am attaching the following : Snip of bank account, showing the withdrawals being made Snip of my EdFinancial account on XX/XX/XXXX, when third payment was made - showing that the payment is in process Snip of email receipt from EdFinancial on XX/XX/XXXX, confirming payment was made Snip of my EdFinancial account on XX/XX/XXXX, showing no payments received since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Product: Debt collection

I was sued by XXXX XXXX XXXX for an invalid debt XX/XX/XXXX. Court log states that I was allegedly served on XX/XX/XXXX at XXXX. I was never served for this case. In fact at that time on that day in XXXX I was at XXXX University conducting my XXXX from XXXX to XXXX. I then would have gone to babysit my friends kids so she could go to work and not return home till the next day. It is impossible for them to have served one of my neighbors in a case of mistaken identity because I am a XXXX female and at the time was XXXX, my neighbors were a XXXX male XXXX, an XXXX couple XXXX, and an XXXX couple. I feel any descriptive information that could have been provided regarding service was from their serving me for another case XX/XX/XXXX. In addition to having not been served, the debt purchased by Portfolio Recovery was Invalid at the time it was sent to collections as it violated a contractual agreement between myself and Bank of America regarding a 6 month account " freeze '' to protect my account while I was in Massachusetts attending college and unemployed because my son was diagnosed with XXXX. A huge portion of this debt was encurred as a result of late fees garnered during this period while I was under the impression that my account was frozen. The late fees were then combined with over the limit fees. Additional fees were then added on when the debts were sold from agency to angency all of which sent the XXXX ( XXXX? ) dollar original credit limit to XXXX! I was never able to rectify this discrepancy because when I came back from Massachusetts to find my accounts had gone into default and were sent to collections agencies the account had been sold and resold so much i was unable to identify the agency that had it till I was contacted by XXXX XXXX XXXX prior to their threats to sue. This is reflective of XXXX XXXX XXXX pattern of purchasing debts which they knew were invalid and unenforceable and intimidating consumers with the intent to garner default judgement. XXXX XXXX associates never provided me any information verifying the debt when I previously requested it during a phone call. I was told by an agent that I had to prove it was invalid and when I asked for the account information I was told they did not have the account information from bank of america that would show the arrangements for the freeze.
Product: Student loan

My student loan was recently purchased by XXXX from XXXX. This is a loan that I have made payments on like clockwork every single month since graduation - 8 years ago. I was not notified of this changed arrangement, nor was I notified that they would cancel the automatic processing of debits from my checking account. Now this account shows as delinquent, and my previous favorable interest rate - secured by enrollment in the automatic payment program - has been increased by a factor of XXXX. To compound these problems, XXXX website has major usability issues caused by an issue with their XXXX certificate. Now I am waiting on the phone to speak with someone because I can not access my account via their web portal.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's in action violates federal law and my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX, I filed the original CFPB complaint to BSI Financial Services, Complaint Number XXXX. On XX/XX/XXXX, I was contacted by a representative names XXXX XXXX who walked me through getting information on a monthly basis for this mortgage account. She also advised that BSI would put together a " release of liability '' documentation package for me to take over the existing as a sole and primary borrower from remaining co-borrowers. After two conversations with BSI Financial representatives between XX/XX/XXXX and XX/XX/XXXX, I was again informed the " release of liability '' documentation was enroute. My personal information ( address and email address ) had been removed from the account, and there was NO record of my previous dealings with BSI Financial Services, and a payout for the account by XX/XX/XXXX had been ordered. 

BSI Financial Services took over my existing Conventional Home Loan on XX/XX/XXXX from XXXX XXXX XXXX During the transition, my name and information was removed from the existing loan, and was never added to the new BSI Financial Services account. Between XX/XX/XXXX to XX/XX/XXXX, I called and talked with multiple BSI Financial Services representatives and " managers '' to add me to the mortgage account, create a separate login to access the information, and to have all documents to that point regarding the account mailed to me. I am a 50 % owner of the mortgaged property and 50 % title holder alone with loan responsibility. BSI has refused to work with me, create an account I can access or mail me any documents, including notifying me when the mortgage was not received and went into late status. I have had to consult lawyers at my own expense to remedy this situation.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2023 an international wire transfer was initiated by XXXX for USD {$300000.00} to be sent to my company 's account named XXXX XXXX XXXX XXXX the XXXX XXXX provided to us at the time was XXXX which turned out to be inaccurate the actual SWIFT code for TD Bank was XXXX. I have been calling the bank wire department who makes extremely difficult to reach them, they could only be reached through a bank officer. Many attempts are made everyday to contact and get status, XXXX is claiming that the recipient bank TD Bank has the money, TD Bank is claiming they never received it and in the middle XXXX XXXX is being mentioned as the corresponding bank but would not disclose any information as they are advising me to speak to my bank TD Bank who is not being forthcoming at all. Meanwhile I am out of {$300000.00}. TD Bank has engaged in a blatant and willful misconduct to mislead saying that XXXX is not a valid swift code when in fact it is a valid zip code for a bank in New York XXXX block away from my branch.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of transaction disputes, particularly in light of the recent CFPB lawsuit.

Zelles lack of adequate consumer protections and dispute resolution mechanisms has caused significant frustration and financial inconvenience. As a widely used payment platform, I believe Zelle has a responsibility to ensure that users are protected in cases of fraud, unauthorized transactions, or other errors. The current system places an undue burden on users to resolve disputes without sufficient support from Zelle or the participating financial institutions.

I am requesting that the companies involved address this issue promptly by implementing stronger consumer protections and improving dispute resolution processes. This will help restore trust in their services and provide users with the necessary safeguards for financial transactions.

Thank you for taking the time to review my concerns. I am hopeful that my feedback will contribute to meaningful changes in Zelles policies and practices.
Product: Student loan

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full.
Product: Checking or savings account

I am a XXXX XXXX XXXX XXXX. I noticed multiple unauthorized transactions on my Wells Fargo checking account. There was multiple transactions from the dates of XXXX. Totaling over {$8700.00}, once realizing these transactions, i immediately called Wells Fargo and reported them that I did not make these transactions. I also followed their instructions on the website stating to try and resolve with the merchant. I contacted the two merchants that these charges were made. I also went to my local police department and made a police report that my checking account and funds were stolen, I told Wells Fargo this. Wells Fargo said they would investigate my dispute and let me know if they needed any information. The funds that were stolen from me were from retirement annuity that I just deposited into Wells Fargo. This is all the money I have. Wells Fargo declined my dispute saying that these transactions were authorized. I am a senior citizen, I do not know how to complete or use XXXX XXXX or XXXX XXXX. If they truly investigated they would see that these transactions were not authorized or made by me. I have offered to provide all information that I have. My communications with the merchants, police report and even offered to send them my mobile device or analysis. I need my money back, this is my hard earned money, They also are in the process of closing my account due to this problem. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account dont know who this company is has to be a fraud need correction take off of credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX handling of disputes, particularly in light of the recent XXXX 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 XXXX XXXXs 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: Checking or savings account

On Friday,XX/XX/XXXX I called CapOne 360 at their phone number defined as " Sales/Service Number : XXXX ''. I wanted to open a CD in the maximum amount covered by FDIC insurance and I wanted to title it in my name with my husband as the beneficiary of a POD. 
The gentlemen I spoke with told me that " temporarily '' CapOne 360 is UNABLE to write POD 's. I asked him why and he said the laws are different in all 50 states and we're trying to streamline our POD forms. Until such time we are unable to write POD 's. I asked how long this temporary situation had been in effect and he said " about a year ''. 
Currently there are only a couple banks offering 2 % on a one year CD. I have been a customer of CapOne as recently as XX/XX/XXXXwhen my last CD with them matured. 
I chose not to do business with them now as they are currently not offering a product that I thought was allowed by law and has always been an alternative in the CD marketplace.
Product: Credit reporting or other personal consumer reports

unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Product: Credit reporting or other personal consumer reports

Best Buy/CBNA Balance : Opened : First delinquent : Reporting late payments that are unverifiable, and incomplete. 
Account is written off and reporting as a charge off for 4 years. I still haven't received any 1099c. This company is reporting gross income and IRS states gross income must be reported as gross income if the account is written off, discharge, forgiveness and charge off. The account is reporting inaccurately and it is harming my character and future for my kids. The account is updating every month as if the account is being reported as negative every month and the account is closed since XXXX. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is false information that is illegal. I want the original documentation that show in detail that I was late, missed a payment, credit limit was XXXX and Best buy is reporting the balance of {$1100.00} that is inaccurate. I am going through traumatic harm by the inaccuracy that's reporting on my report. I want to know how the account was investigated. I want to know how everything was reported, I want documents of the notice for payments, I want documents that XXXX sent me a notice to make a payment. This account need to be updated and removed immediately. one of the other. The account supposed to reporting in the status as Gross income not written off. This account is VIOLATING FCRA laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : a loan a credit card or credit cards from XXXX XXXX XXXX with a balance of {$210.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.