23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Greetings, I have been having financial issues since XX/XX/XXXXXXXX  and I could not make my XXXX payment for the first time since I have been with Mortgage Solutions since XXXX on XX/XX/XXXX I filed for bankruptcy and they were aware of that and they put me on modification. They assigned me an XXXX  by the name of XXXX, he called me regularly and I also reached out to him regularly to see how the process was moving along, they approved the modification and in XXXX another gentleman called me and said that they needed more document from the underwriting team and I did not waste any time and sent them another application and all documents that they asked for in XX/XX/XXXX, I never heard back from them. 
I made a call to speak with XXXX and see if the other modification has been approved, but I could not find him and they told me it is with the underwriting team, I kept calling for the past two months and no one can give me an answer, instead I receive two letters saying that I missed the XXXX payment through XXXX of XXXX, now mind you we are in XX/XX/XXXX and no one reached to me and they use to call me weekly to check on my doing. XXXX my XXXX  never called me since XXXX of XXXX early XXXX late XXXX to let me know that thank you for submitting everything and everything looks good. 
Now, on XX/XX/XXXX my bankruptcy got discharged and Mortgage Solutions was on the discharged letter as well my attorney also sent me a letter from Mortgage Solutions asking to do a modification or forebearance. 
Now, they want to pay XXXX XXXX plus dollars to bring my mortgage up to date when they are aware of all my financial burdens and I asked them to please lower my monthly payment becasue i dont want to loose my house and they have not done so and they are also saying I am delinquent on the mortgage. I will attach a letter from the VA showing that they are still processing my XXXX claims and my wife is not working, I am a XXXX percent total and XXXX  XXXX veteran, when my mortgage was {$1100.00} a month I had no problem paying monthly but now my mortgage has been {$2000.00} a month and I was making payment on that amount and then obstacles occured and in XX/XX/XXXX I could not make it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not mark my account as disputed within 30 days. 
Also, has NOT validated this account with a signature. This is the letter I sent them on XXXX/XXXX/XXXX : This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

Needed to dispute a transaction. Called Wells Fargo and they eventually escalated me to their claims department who listens to my problem and told me to call back within a few hours without giving me a claims number or reference. Called back and they told me my claim was denied because I did not attempt to cancel a order that was unshipped within him their 3 day time frame. These rules you can not find anywhere in their official policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX show discrepancies between the credit reporting bureaus. Equifax shows 90 day late payments XXXX to XX/XX/XXXX while XXXX does not report a 90 late payment until XX/XX/XXXX.
Product: Credit card or prepaid card

I purchased a product using my AMEX from XXXX XXXX. The Item I ordered was not the item I received. The item XXXX shipped was an inferior product, that was {$50.00} higher than the last minute deal I purchased ( but my purchase was a better computer ). XXXX would not honor the purchase and tried to give me {$50.00} credit. I said no, and returned the computer via XXXX two days later. I waited on my refund, but they delayed it and blamed AMEX saying they sent the refund and AMEX was holding the money. Until then I had no problem with AMEX BLUEBIRD. My employment direct deposit went to it, and I used it always. XXXX kept saying AMEX had my money. I had conflicting emails, and called AMEX BLUEBIRD, who said that if they had my money, they would automatically release it ( although policy enacted in XX/XX/2018 ) says that merchants may request 7 days hold on refunds (??? ). Finally, after much moaning and hollering, a rep from XXXX calls me and tells me my money is on the way, she gives me my card number and says she has talked to XXXX and that the money is on the way. I find out later they brokered a provisional credit with AMEX, until they could send the money. All the time XXXX blamed AMEX saying they had the money. I felt like this was a back door deal and that AMEX was conspiring with XXXX ( the merchant ) behind my back, although I was the customer. I changed my direct deposit and stopped using the account. On my new positon with my job, I found out the importance of data integrity for customers and I feel the AMEX violated my privacy and is in cahoots merchants and the expense of customers.
Product: Mortgage

On XX/XX/XXXX, I was laid off from my job. I remain current on my loan and applied for Forbearance in XX/XX/XXXX and was approved until XX/XX/XXXX. On XX/XX/XXXX, my home was flooded during the snowstorm in Texas, my home was not assessed by an adjuster until XX/XX/XXXX, and on XX/XX/XXXX, I contacted Loancare to start the claim check endorsement process. On this day, I learned that Loancare has my account listed as delinquent and must be monitored which requires several steps as opposed to me be current and no additional steps are required. Since then, I have called the claims, collections, and customer service departments to update my records on the insurance claims side of Loancare. 

It is my understanding that when you apply for a Forbearance, you are protected from these negative tactics. It should not take 10 business days for a company to update their internal records. this is my second complaint against this company, it seems as though their ultimate goal help you get into a delinquent status.
Product: Mortgage

Misrepresentation of money owed. Extra money taken and no support for foreclosure
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have paid this collection back on XX/XX/2021. They said it would be deleted from Transunion and XXXX credit report. I have contacted the company XXXX, XXXX over and over. I have told them several times that I have already paid this debt! I have paid this debt!!!! I'm not paying this again!!!! Per law I need this removed from my Transunion and XXXX credit report. I have attached lawsuit that explain this company has been sued for not reporting paid debts. I have also attached the receipt I got showing I paid this!! I need this removed ASAP!
Product: Debt collection

Coast to coast financial solutions Contacted me XXXX mail on a debt with XXXX XXXX XXXX XXXX XXXX say i owed a debt to said company. I received a email from the same company the previous week stating I didnt owe them anything. I also spoke with the company numerous time stating I canceled my services with that company in good faith and started service with another company. I will be sending out the dispute with the company so they are aware of the conflicting claims.
Product: Mortgage

my mortgage company PennyMac Loan service llc sent me a letter informing me i have a lapse on hazard insurance, the lapse is 52 days and i am charged {$1600.00}. PennyMac put in place an insurance for a coverage of {$2.00} million, my property 's appraisal price is less than XXXX XXXX and mortgage amount is XXXX  XXXX. 
I checked my policy and acknowledge this lapse. however the hazard insurance i purchased costed {$200.00} annually. This is a serious ripoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Bureau is reporting several collection against my social security number. I requested full debt validation three times and This company have fail to provide any proof that debt was validated and verified.
The following account have not been validated 1XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX 2. XXXX charge off
Product: Money transfer, virtual currency, or money service

I have legitimate concerns about the handling of disputes by Zelle. After the recent CFPB lawsuit, which highlighted significant issues with the platform. I have been using Zelle for years with my XXXX XXXX XXXX account both sending and receiving money but any issues or discrepancies I've experienced and reported to my financial institution have only been failed to be accurately investigated and sorted. Instead of finding a solution, I was informed that recovering lost funds was impossible and tracking these transactions to be unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect their consumers but has also allowed repeat offenders to continue to use their platform, exploit the system and ultimately leave other users vulnerable to scams. The lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection ) has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent account name XXXX XXXX XXXX XXXX, account number 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX or Telecheck has a file that contains incorrect information on me and It has rendered my life useless at times. Im so tired of this. I cant open a bank account. I have done everything imaginable to resolve it and they refuse to correct my file. They decline my accounts. They decline my checks. They are the most heartless unethical company known to man.
Product: Checking or savings account

As of XXXX XXXX  my direct deposit has not been received
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was browsing through my credit information and was encouraged to apply for a loan of up to {$50000.00}, with the promise that it would have no impact on my credit score. Curious, I decided to see what they offered but did not agree to anything. To my surprise, they declined me based on my credit score, which is an exceptional XXXX, along with several other baseless reasons. This is completely unacceptable, not to mention the loan 's interest rates, which were outrageously high. I'm appalled by their dishonest practices and feel deceived.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of 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 the recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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

Experian Credit has failed and refused my access to the online credit history account of my 40 year financial history which is without blemish. Each time you call the Experian number it is not possible to talk to a " live '' person. Each attempt to access online, there is always a " problem '' with some kind of " security code '' which never seems to work. Each phone call attempt is always endless recording which only prevents access and does not enable access.

Further, Experian fails and refuses to provide a so-called " free credit report '' as required by Federal law by simply preventing access to request it. 

Obviously, Experian is trying to force every person with a credit history to pay them money each and every month for all eternity just to access their own credit history, which is supposed to be " free. '' Experian only pretends to be in the credit reporting business but is really in the " credit repair '' business for charging fees on services not wanted or needed. Experian continues to fraudulently claim I have some kind of " membership '' which I have never had, and are continually attempting to force me into " upgrading '' this fake " membership '' for a monthly fee just to access my own credit file. 

The result of their intransigence is yet another fraudulent claim of a debt I do not owe from some company I never heard of in my life. This is yet another repeat of fraudulent claims Experian routinely puts in my credit file in their ongoing attempt to force me to pay a monthly fee for " credit repair services '' I do not want or need. 

" XXXX XXXX XXXX '' claims a {$690.00} debt I do not owe and has failed and refused to even contact me, and instead files fraudulent claims against me. I have received nothing regarding about any " debt. '' Because they know Experian will use it as an excuse to force me to pay them to get it off my credit file. They know Experian will force me to pay for " credit repair '' services to remove this fraudulent claim against me. 

It is a conspiracy to defraud every person with a credit file and in need of a thorough Federal criminal investigation to hold these personally and individually accountable for the financial harm they inflict on all of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX 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

Delete hard inquires from both credit bureaus. This is my second compliant. 

XX/XX/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 XXXXXXXX Transunion XX/XX/XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX Transunion