23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX my husband and I came up short on a few mortgage payments, he is in XXXX and was XXXX which was between {$XXXX} and {$XXXX} a month. We decided to start a request for a loan modification through XXXX and were told to stop our payments all together from a XXXX representative and the loan mod would put those payments at the end of our loan when it was rewritten. So we stopped payments, we filed the paperwork for the loan modification XX/XX/XXXX, ever time the package was submitted XXXX would need another document or they would claim to be missing something we had already sent 3-4 times. Finally they had all of our information and documents and said they would have an answer soon. Within the week XXXX said they were no longer in control of our loan that we were now with Nation Star Bank. We had the same issues with Nation Star Bank, we would call and would be on hold for 45 mins or more with now answer or would be hung up on, they would need more information or not receive documents we had sent many times. Finally on XX/XX/XXXX we had an approved loan modification but the modification does not help our situation they are requesting us to pay double paymets for 12 months to get " caught up '' they requested us to accept the offer by XX/XX/XXXX. We sent the accepted offer in to them on XX/XX/XXXX we had to contact them to make sure it was received they made no attempt to contact us, on XX/XX/XXXX my husband called and they again claimed to be missing documents so close to the due date. Today we signed another acceptance and sent it to Nation Star via email and they were already closed when we tried to call to confirm it was received. Again so close to the due date, it really feels like Nation Star and XXXX are trying to make a 22 year XXXX family homeless.
Product: Debt collection

XXXX XXXX XXXX XXXX, located at : XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from Zales Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the XXXX XXXX XXXX XXXX requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and 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 On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " XXXX '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Product: Debt collection

I need help, XXXX took my money and never applied it to my account then sold it to another collection company. This is from my prior complaint XXXX I reviewed what XXXX has in their records but where did my payments go that came out of my bank account? I have been for more than a year. This isn't right. Do I need to get an attorney?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my XXXX XXXX : Account Name : XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Reason : Its disheartening to see missed and late payments being reported on this account. I never imagined my history would be clouded by such claims. Please provide all statements and records of every payment Ive made and missed since opening this account. I need clarity, and I hope this can be resolved fairly. 

Account Name : XXXX Account Number : XXXX Reason : Its troubling to see this account inaccurately showing XXXX late payments. According to my XXXX report, there is only 1 late payment being reported. These inconsistencies weigh heavily on me, and I hope you can correct this error, so my record reflects the truth. Please help me resolve this. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I never entered into any agreement with this debt collector for any debt. Its disheartening to see my name tied to something I dont recognize. Please provide proof from the original creditor that this debt collector owns the debt and has the legal right to collect it. If no such proof exists, I ask that you delete this account. This weighs on me heavily, and I need this to be made right. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : It is deeply disheartening to see that this account is being inaccurately reported as a charged-off account with a balance due. This mistake is unjustly affecting my financial standing. Please provide clear evidence of the charge-off or correct this by updating the balance to {$0.00} or remove the negative payment status associated with this account. 

INQUIRIES : TRANSUNION 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 XXXXXX/XX/XXXX Ive done everything I can, but these inaccuracies still cling to my credit report like a shadow. Ive reached out, Ive provided proof, but nothing changes. Please investigate thoroughly. I just want my report to reflect the truth so I can finally move forward. Im exhausted I just need a chance to breathe again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Debt collection

I can not get them to tell me what it is about or I have asked them to mail me information but they tell me just pay your bills and we wont call
Product: Debt collection

XXXX rewards Master Card, I notified a credit card debt worth {$200.00} usd, XXXX says to spend that money charged to a credit card completed in # XXXX which was not requested by me. 

I want to clarify that I had another card with XXXX which I used and paid, but the debt of {$200.00} usd was with another card that I did not request. 

They started sending me notifications from XXXX in texas ( tel XXXX underwriting department ) to declare me in bankruptcy, then they said that they had passed my account to MIDLAND CREDIT MANAGEMENT with number # XXXX and they demanded payment of {$190.00} usd arguing that my dispute had been negatively failed and that I should pay. 

the pressure was so much saying that my credit would be damaged that on XX/XX/2019, I paid {$170.00} usd with my XXXX  XXXX XXXX account, where they asked me for my card information. 

the payment was made to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ext XXXX ) and they charged me {$170.00} usd.
Product: Debt collection

Bank sent a letter dated XX/XX/2021 stating that they created a CHARGE to clear a CREDIT on the account. Amount - {$550.00} Background : Received a discount offer from XXXX XXXX if I opened a credit card account. Opened and used card ( XX/XX/2021 {$490.00} ). Received merchandise. Received bill. Opened my online banking application and discovered I had a payee with the name of the bank on the bill. Payed the bill ( XX/XX/2021 {$490.00} ) Bought more items ( XX/XX/2021 {$86.00}, and XX/XX/2021 {$55.00} ). 
Received dunning notice for first amount ( {$490.00} stating that {$75.00} minimum payment was required ) Since I had made the payment and my bank statement showed it cleared, I ignored the notice. 
Started getting phone calls and voice messages requesting a {$75.00} payment. 
On { XXXX/XXXX/XXXX  payed {$100.00} } to attempt to stop getting the phone calls. 
In frustration with the calls and increasing fees, made a payment ( XX/XX/2021 {$550.00} ) Opened banking app and discovered that the account I was paying was for another account number, XXXX XXXX XXXX not XXXX XXXX - same Bank XXXX Synchrony. I was unaware it had been set up probably years earlier. 

Called customer service ( XX/XX/2021 ). The CS rep XXXX was very helpful, and was able to transfer the {$490.00} payment to the proper account, and remove all fees. 

I received a check ( XX/XX/2021 {$550.00} ) and deposited to my bank account. 
Thought we were all square and XXXX balance. 

The XXXX XXXX account is clear and at a XXXX balance. 

I have made over 16 calls to customer service, spoken with supervisors who could see both accounts and they do not understand why the " false '' charge was created. One of the phone calls I received, the very aggressive Rep told me to return the {$550.00} check or pay that amount. I told him, I did not owe anything. 

My bank even tried to help by supplying account data showing my payments to their bank.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt Account 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 institutions and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The CFPB 's 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

Amerihome mortgage reported that I paid more than 30 days late for the month of XXXX. I believe this is incorrect. The late payments were caused by an increase in escrow payments which I was not aware of because Amerihome did not provide me with an escrow analysis as required by CFR 1024.17. After speaking with an agent on XX/XX/2020, it was determined that my address in the system was incorrect. By the time of my phone call, I made payments of {$660.00} on XX/XX/2020 and XX/XX/2020. 

According to the agent, only {$660.00} remained the suspense account because Amerihome sent the {$660.00} made in XXXX back to me [ company policy is short payments held greater than 5 days will be sent back to borrower. ] However, this payment was returned to Amerihome because the address was incorrect, which I believe corroborates the fact that I did not receive an escrow analysis. I asked the agent if he could apply both payments to the loan in order to make it current. He could not but requested that they be applied. 

I called again on or about XX/XX/2020 and spoke to an agent who said they would allow me apply both payments to the loan, but I would need to pay the an additional {$120.00} to cover the escrow shortage make the account current. I paid the amount as requested. However, I received a call from Amerihome on or about XXXX XXXX that the account was still delinquent. I immediately paid {$780.00} as requested and was told that they XXXX payment in the suspense account was mailed to me on XX/XX/2020. As of the date of this dispute, I have not received any refund from Amerihome. 

The payment made in XXXX has been held by Amerihome since XXXX XXXX. After it was returned to them, it should have been applied back to the suspense account and my account should have been credited on XX/XX/2020 when a full payment was received as required by 12 C.F.R. 1026.41. Keeping a customers money for a month without credit to his account is unacceptable. 

Also, it is important to note that the new payment of {$780.00} required by the escrow analysis was to start in XXXX. However, I paid the previously required amount of {$660.00} in XXXX and XXXX, and my account was not deemed to be short. No Amerihome agent could explain why it was considered short in XXXX. 

The facts above can easily be corroborated as the phone calls between myself and the agents were recorded, and they have my payment history. Given the circumstances of all that transpired, it is not unreasonable to have the late payment removed from my credit report and the late fee removed from my account. I have paid consistently since the inception of the loan, and I would have paid the new amount if I had received the escrow analysis as required.
Product: Debt collection

On about XX/XX/2019, I received a letter from XXXX XXXX XXXX, XXXX stating that Second Round Sub , LLC was attempting to collect a debt from me. I in turn on XX/XX/2019, send them a letter requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Second Round Sub LLC. They have not sent me anything to show I own this debt. Yet I have received a letter from Court Case Notifiers that there is a case in civil court in the amount of XXXX filed against me with Second Round Sub LLC. I have never signed a contract with Second Round Sub LLC to my knowledge and they have not shown me anything that states I have, I just would like to have this matter resolved
Product: Credit reporting or other personal consumer reports

This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.
Product: Credit card or prepaid card

My JetBlue credit card issued a refund of {$23000.00} on XX/XX/XXXX. The check was valid for 90 days. I was in XXXX from the end of XXXX to XX/XX/XXXX so by the time I got back and discovered the check it was past the 90 days. The next day I called the credit card company and notified them and was told that they would reissue the check. On XX/XX/XXXX I called the CC company again to find out the status if the reissued check. I was given a complaint code XXXX. The following day I recieved a copy of the check issued on XX/XX/XXXX. I don't know why they sent it since I never disputed that the check was recieved. The issue is that I by the time I got the check it was invalid so I would not even attempt to cash it. 
I am hoping that you can get JetBlue to reissue my check. Also I have closed my account with them. I have given up on trying to access my account on line. I want my bill MAILED to me as I understand that I have a final payment for them of over {$1.00} XXXX, but not as much as they owe me. I don't intend to pay this bill until I get my refund, and I'm not expecting to pay any late fees due to them holding up my refund because that would just be totally unfair. 
Thank you for your time and assistance
Product: Payday loan, title loan, or personal loan

My wife XXXX XXXX a senior citizen who is XXXX ) received a letter in the mail stating she was pre-approved { emphasis added } for loan of up to {$15000.00}. XXXX was in the hospital since XX/XX/2018, and was XXXX about 4 days later to a rehab facility, where she is currently. With XXXX 's permission, I went on-line to accept the loan offer, and requested a loan in the amount of {$12000.00} or {$12000.00}. Without the website giving me any interest rate ( as advertised ) it simply stated she was denied the loan. 

I contacted Upgrade on or about XX/XX/2018 expressing my dissatisfaction with their advertising practices. If one needed to " qualify '' for the loan, the the letter should state " pre-qaulified '' or " pre-selected '', vice " pre approved '', which I have also indicated to this " company ''. 

This company should have to refund consumers like my XXXX senior citizen wife no less the 10 % of the maximum purported " pre-approved '' loan amount ( in this case, no less than {$1500.00} ), due to what appears to be " false advertising '' for the sole purpose of obtaining peoples personal information ( such as SSN, and/or verifying mailing addresses etc. ). Conversely, the government ( US DOJ ) should file an action ( clas action ) against this company and/or others like it, for the damages it causes to undoubtedly thousands of consumers ( including the XXXX and senior citizens ) presumably on a monthly basis.
Product: Credit reporting or other personal consumer reports

ooked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] XXXX I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I RECENTLY GOT DENIED FOR A MORTGAGE LOAN BECAUSE I WAS INFORMED I HAD LATE PAYMENTS WHEN IN FACT I DO NOT AND WAS NEVER LATE ON ANY ACCOUNT THAT I EVER OPENED. MY CREDIT REPORT IS HIGHLY INACCURATE AND NEEDS TO BE FIXED IMMEDIATELY SO I CAN TAKE CARE OF MY FAMILY AND GET THEM A HOME. I AM BEING TREATED UNFAIRLY AND MY CREDIT REPORT AND CREDIT FILE BEING INACCURATE IS RUINING MY LIFE. I NEED THESE ACCOUNTS UPDATED TO PAID AS AGREED FOR THE DURATION OF MY ACCOUNT. I WAS NEVER LATE. MY IDENTIFICATION DOCUMENTS HAVE BEEN ATTACHED TO MY LETTERS AND THIS WAS NOT DONE IN ERROR
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters disputing inaccurate payment history with my XXXX XXXX account # XXXX. The payment history is reporting inaccurately. I've attached a history of the same exact account from XXXX and XXXX. The account information is accurate with the other two but not with Experian. 

Each time they've responded stating information has been updated. The information is reporting inaccurately and has damaged my profile. This goes against the Fair Credit Reporting Act.