23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, including XXXX XXXX  Which shows no account number ACCOUNTS XXXX XXXX XXXX XXXXCCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  acct NUMBER NOT REPORTING XXXX XXXX  ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Ditech is the company that services my loan. I make regular payments to be applied directly to the principal in addition to the regular payment. They do not credit the additional payments in a timely manner, which affects the amount of accrued interest which inflates the loan amount and does not accurately reflect the accurate principal amount. Now, Ditech has not applied any of the additional payments that they have received since XXXX. I had so many issues with them not applying the amounts in addition to not taking the automatic payments that I signed up for. I was forced to make the payments myself and I even sent the extra principal payment in a separate check. Their records document that they received all payments but did not apply them. I have contacted them numerous times regarding this. They still have not addressed this. I have been told that my only recourse is to continue to call them. 
Escrow : Ditech sent my hazard insurance payment in the wrong amount and with a wrong account number to my insurance company. The payment was returned ; This started a chain of errors, with them making double payments ( 2 on the same day ) leaving my escrow account underfunded. They notified me that my monthly payment would increase by {$200.00}. They made an escrow advance, which I was charged for to make the payments. They refused to work with my insurance company to resolve this after numerous attempts by the insurance company to rectify this. They flat refused to even contact the insurance company and would not take my company 's telephone calls. I was hung up on, passed around, and generally mistreated. No one could ever find any record of me contacting them. Finally I had to make the premium payment myself directly to the insurance company because they said that they canceled my policy. Luckily for me, my agent was able to reinstate it since there was no history of any late payments. He got a 2 month extension. The money for the premium is in my escrow account and there has been no action since XX/XX/XXXX. Each time I submit an inquiry they keep informing me that I would be contacted ... yet they have not done so. In my last 2 communications I asked to be reimbursed for the payment that I made. The money is there. In addition, I informed them that I would assume responsibility for making all insurance payments myself, and want the amount of the escrow payment to decrease. I made it clear that my escrow payment be recalculated to reflect that they no longer will collect money from me for insurance payments. I have made numerous attempts to resolve this. On most attempts to submit my concerns, I receive a message that they were experiencing technical difficulties and the message was not sent. I can not retrieve the message. They have also informed me that they would probably send me some form to give them permission to investigate my complaints. I have received nothing. 

I charge that Ditech is subjecting me to deceptive fraudulent practices.
Product: Checking or savings account

My paycheck has not been deposited and it's been now 2 days since I needed it. I NEED to pay my rent and buy food
Product: Mortgage

Wells Fargo Home Mortgage I was given a loan modification in XXXX when I was laid off and Wells Fargo applied a deferred principle balance of {$27000.00} to my loan and added {$4500.00} to my original mortgage. This raised my mortgage to {$110000.00} for a house that is only worth {$65000.00}, because of this I have to continue paying PMI insurance. A couple of years after this, I received letters from THREE DIFFERENT Home preservation specialists from Wells Fargo stating that I requested another loan modification. I DID NOT. 

They sent me a letter XX/XX/XXXX telling me that I qualified to have my PMI insurance stopped and when I called to asked about removing the insurance they sold my mortgage to XXXXXXXX XXXX. It still has the {$27000.00} deferred principle balance on my loan and Im still paying PMI insurance.
Product: Credit reporting, credit repair services, 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. 



has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite repeatedly using Zelle and reporting issues, my financial institution and Zelle did not thoroughly investigate my claims. I was told that recovering the lost funds was not possible and that tracking the transactions was beyond their capabilities. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to abuse the system, leaving users exposed to fraud. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection.
Product: Mortgage

Fraudulent and predatory lending practices of Cornerstone Mortgage Company. My mortgage is a non-escrow account however Cornerstone incorrectly showed that I did not pay property taxes. I submitted all documents proving that I paid all taxes on time and no money was owed and therefore escrow should be removed. Instead of removing escrow for XXXX since all taxes and insurances were already prepaid Cornerstone chose to keep escrow by prepaying XXXX taxes and sending me again into deficit. I have already forecasted to pay XXXX taxes and therefore Cornerstone is forcing me to double pay! My mortgage went from XXXX to XXXX without notice or explanation. The estimate for the new mortgage includes tax amounts that have already been paid! This is completely fraudulent and predatory as it forces the consumer into escrow which includes the fees and cushion when it is unwarranted
Product: Credit reporting or other personal consumer reports

XXXX XXXX violated my rights of fair credit reporting
Product: Debt collection

I previously had a charge off via XXXX XXXX XXXX for XXXX. I put in a complaint with CFPB and they boldly told me that they were ready to go to court or whatever the case may be to vindicate themselves. Because a charge off is something that is perceived as payment once you file your taxes so in fact companies do receive monetary relief from charge offs based on IRS codes. Well I called XXXX XXXX XXXX and found out today XX/XX/XXXX that my account was sold to Allied International Credit without my consent or knowledge. As I reached out and spoke to the agent XXXX and asked about the descendent account which I am the senior sole fiduciary of, she stated that the account was bought by Allied International Credit. I told her that was without my consent, I didnt put any signature or consent to anything Allied International Credit is doing. I have received information regarding a debt that is being claimed against me by XXXX XXXX XXXX from XXXX XXXX XXXX not Allied International Credit & Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. Also due to The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. This is an unfair debt collection practice, I wasnt aware of and I a living breathing man of soul didnt put my golden signature down for this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been trying to dispute accounts that are fraudulent. The disputes are not being processed correctly according to the FCRA and I am not getting copies of the verification process That I am requesting. The FTC report I filed is not being attached to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I received an alert that a new collection had been added to my Equifax credit file. The amount was for {$200.00}. The credit agency only shows a number, XXXX. The entry does not show an original lender. The account number is listed as xxxxxxXXXX. It shows that the account was assigned on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a certified letter to Equifax requesting them to remove the collection account based on section 611 ( a ) ( XXXX ) ( B ) ( XXXX ) of the Fair Credit Reporting Act because it appeared to be the same account that was deleted from my Equifax credit file in early XX/XX/XXXX. The amount, account number, type of debt and assigned date are the same as the account that was removed in early XX/XX/XXXX. However there is no original creditor. I received no notice from Equifax as required by the Fair Credit Reporting Act that this account was being reinserted into my Equifax credit file. The language of 611 ( a ) ( 5 ) ( B ) ( ii ) states : ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to Consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Equifax just sent me notice that they verified that the account belongs to me. When I received the response from Equifax around XX/XX/XXXX, it showed that it was indeed the very same account that was deleted in XX/XX/XXXX. There was no documented proof produced by Equifax proving how the account belonged to me or why the account was reinserted. This is a clear violation of the Fair Credit Reporting Act section 611 ( a ) ( 5 ) ( B ) ( ii ).
Product: Credit reporting or other personal consumer reports

I am contacting you as a concerned consumer regarding the accuracy and fairness of the information in my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was established to uphold the accuracy, fairness, and privacy of data within consumer reporting agencies, I am granted specific rights to ensure my credit report is accurate and that I am treated fairly throughout the reporting process. 

Under the FCRA, I am entitled to the following protections : The right to accurate reporting The right to dispute incorrect information The right to be informed of adverse actions The right to limit access to my credit report The right to privacy and confidentiality The right to seek damages for violations I am exercising these rights in my interactions with your agency to ensure that my credit report accurately reflects my credit history. Any errors or discrepancies should be promptly corrected to prevent negative effects on my creditworthiness. 

Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX
Product: Checking or savings account

FOR THE RECORD, I HAVE DOCUMENTS TO BACK UP ALL OF THIS INFORMATION! 

I opened a brand new checking account with Chase on XX/XX/2018 at XXXX XXXX. I chose Chase for two reasons ; One, I didn't have a checking account anywhere else and I needed somewhere to direct deposit my paychecks into. Two, I repeatedly got these incentive postcards from Chase that there was a {$300.00} bonus when you opened a BRAND NEW CHECKING ACCOUNT and WHEN YOU SET UP DIRECT DEPOSIT WITHIN TEN BUSINESS DAYS. Check and Check. I set up direct deposit with my employer the following Tuesday after opening this account, XX/XX/2018. Fast forward to why I'm complaining and its because I contacted customer service inquiring about when I would have the {$300.00} bonus deposited into my account. I contacted them XX/XX/2018 @ XXXX XXXX. It wasn't until my surprise that this customer service rep informed me, and I quote, " your account has been placed under review, We recommend that you contact our Security Team at XXXX for immediate help. '' XXXX, thanks for the heads up. 

Why wasn't I informed of this until I was the one inquiring about funds that I was owed? And then today XX/XX/2018 I get a notice in the mail from Chase stating, and i Quote, " After careful consideration, we have determined that we can no longer support your banking account and will be closing it on XX/XX/2018. '' Chase closed my account WITH ZERO NOTICE.

This notice was dated XX/XX/2018 giving time sensitive specific actions that I would need to make in order to make sure I dont lose any of my money. However, I didnt receive this in the mail until today, 10 TEN DAYS after the notice was typed up. Which btw is waaaaay past the cutoff date they gave me to square my funds away. Im filing a complaint with CFPB. 

I guarantee its cuz they wan na avoid paying the {$300.00}. 

Also, is this not a coincidence that the EXACT DATE I IN FACT SET UP MY DIRECT DEPOSIT XX/XX/2018 WAS THE EXACT DATE THIS NOTICE WAS TYPED ON! 

{$300.00} is a HUUUUUUUUUUUUUUUUGE deal for me and my family. I'm a mother of two, barely scraping by so I factored this AGREED UPON {$300.00} bonus into my budget. I'll spare you the details, but now that my account is closed ( for no good reason ) i.e, Chase wants to escape from holding up their end of the deal, my family is now in a very bad situation. 

Please, please, check your conscience the next time you pull a fast one on  easy prey.
Product: Credit reporting or other personal consumer reports

The following companies are reporting me XXXX XXXX XXXX XXXX XXXX Main XXXX XXXX XXXXXXXX XXXX XXXX  Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Product: Credit reporting or other personal consumer reports

Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost XXXX years. 
They broke laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to update my account balance with all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Payment is due on XXXX of month. Company calls every month prior to this date to make sure I plan on paying them. I have had the loan for more than 5 years and have had XXXX late payment due to circumstances beyond my control. I have told company to stop contacting me. They ignore the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoke with them months ago telling them I moved out of that property in XX/XX/XXXX. I do not live there, I am not the owner, I should not be paying anything. I also filed bankruptcy in XX/XX/XXXX and they are included in the bankruptcy. However, this was not my debt from the get-go so they should be trying to collect it from the current renters of the property.
Product: Debt collection

My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XXXX, 2015. My was XXXX XXXX, according to Texas law. I am being threatened by XXXX, a company in California, for a Citibank card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to Citibank, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from XXXX, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.