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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 15 USC 1681s-2 they are supposed 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, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts * XXXX. XXXX XXXX XXXXXXXX date opened XX/XX/XXXX this account is being reported inaccurately, please remove this from my credit report immediately * * XXXX. XXXX # XXXX date opened XX/XX/XXXX, this account is being reported inaccurately, please remove this from my credit report immediately * XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00}
Product: Credit card

Chase Bank closed XXXX complaints without explaining how they calculated net spend for XXXX as {$14000.00}. This was just shy of the {$15000.00} needed to earn a XXXX XXXX XXXX XXXX. It is unknown whether or no they counted the transaction at XXXX on XX/XX/XXXX amount of {$450.00} as part of the total calculated net spend. There was a dispute recorded on this transaction, but Chase found it to be a legitimate transaction. Therefore, this should be counted towards the total calculated net spend in XXXX. It is unclear whether Chase did include this or not.
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Affirm , Inc. for Mishandling Account and Violating Consumer Protection Laws To Whom It May Concern : I am writing to formally file a complaint against Affirm , Inc. for its ongoing and systemic mishandling of my account, failure to provide access, and actions that have negatively impacted my credit report. These actions violate my rights as a consumer under federal laws, and I request an urgent investigation into Affirms practices.

Affirm has repeatedly refused to provide me access to my account despite my information being accurate and present in their system. This has directly obstructed my ability to make payments on my loan, manage my billing obligations, or rectify any discrepancies. As a result of their failure to resolve this issue : 1. My account has been falsely reported to credit bureaus ( including XXXX ) with negative marks, citing reasons such as serious delinquency, historical loan delinquency, and time since delinquency is too recent. 
2. My credit score has been unfairly impacted due to Affirms negligence, resulting in a denial of credit from other financial institutions.

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter directly with Affirm, including : Creating 5-6 investigations with their internal team, all of which were closed without any resolution or follow-up.

Providing accurate information such as my email, phone number, and loan details to verify my identity and gain account access. 
Despite these efforts, Affirm unlawfully demanded sensitive personal information, such as my Social Security number and credit card details, over the phone. 

When I briefly regained access to my account, through an old link found on text I regained access to my account and I discovered that all my personal information ( XXXX and phone number XXXX ) matched their records ; Even with this, the next month they persisted in only wanting to receive my credit card information and zip code via phone only and refused to allow me to handle my account online personally for payments. This further demonstrates Affirms mishandling of my account. 

Additionally, Affirm has failed to provide proper transparency or support throughout this process. Their refusal to investigate raises concerns about potential systemic issues and fraudulent practices against customers. 

Supporting Evidence Attached to this complaint are the following documents for your review : Screenshots and records of my account information as initially entered. 
Documentation of my repeated attempts to resolve this matter with Affirm. 
XXXX credit report showing the negative impact of Affirms false reporting. 
Denial of credit letters from other financial institutions citing delinquencies caused by Affirms reporting. 


Sincerely, XXXX XXXX
Product: Mortgage

My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the items on my credit report on XX/XX/2019 they never fixed it they claim its verified but nothing changed i know it's wrong so i send a method of verification letter on XX/XX/2019 and they send the same message. I can't upload the proof
Product: Mortgage

XX/XX/XXXX, we purchased our current home. Our mortgage broker provided us an 80/20 loan. The 80 % portion was financed through XXXX XXXX, and is current. 
The 20 % portion was originally through XXXX, which was provided at 9.9 % interest for 15 years. Approximately XXXX, that portion was sold/transferred not sure which, to SPS Servicing. My account information with them shows that my loan Maturity date is XX/XX/XXXX. I called on XX/XX/XXXX and was informed that on XX/XX/XXXX, I would need to pay the remaining balance, of which would be near {$37000.00}. 
My concern is that I have made to date 154 payments at {$370.00} per, or roughly {$58000.00} on what was originally a {$43000.00} loan. I find this highly suspect, as I was informed that of the {$370.00} payment, Im still paying near {$300.00} in interest after 13+ years. 
How can companies get away with this?
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX XXXX XXXX   stating that i owe {$620.00} for a collection on a XXXX XXXX credit card that I let go unpaid. Knowing that this was true I paid this collection agency the full {$620.00}. Soon after that I started receiving calls from Midland Funding, LLC demanding {$680.00} and some odd cents for the same collection that I had just paid. Midland has called numerous times demanding I pay the {$680.00}. I have even offered to settle with them with much hesitance since I already paid it just so this is resolved. I offered to pay 50 % of the total and was denied. On XX/XX/XXXX I sent a letter that included a dispute clause and the letter from XXXX XXXX XXXX showing it had been paid in full. Then today XX/XX/XXXX I called again to ask what the status on the dispute was. I was told that because their account # didn't match the one on the letter I sent it was denied. I asked if they had the same accounting software and systems the other company has and they replied no. I said you are two separate companies so why would you have the same reference # 's? I offered again to settle at 50 % and was told no. I then took a cease and desist letter to the mail and dropped it off on XX/XX/XXXX and notified them I would be sending it and filing a complaint against them. I have disputed with the credit agencies and Midland Funding, LLC on several occasions and nothing is ever resolved. I believe this company is falsely telling me that I owe a debt that has been paid and will not drop it until they are paid in full. I do not feel inclined to pay this debt twice.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Bank of America Is pushing thru payments that should have been declined to further put my account negative. 
I made a mortgage payment for XXXX they processed it as XXXX which put me XXXX overdrawn! Should have been declined! They are STILL putting thru payments that is further putting me in the negative. 
I asked them to stop the mortgage payment- was told to wait till it processed and then dispute the amount, when I disputed the amount I was told you have to talk to the mortgage company- " because it's already processed '' This Is a VIOLATION OF FEDERAL LAW that they have been cited for in the past! I will send this information to All Federal Agencies till I get this resolved! I can not pay my bills because I'm XXXX dollars overdrawn And Counting!
Product: Vehicle loan or lease

I was never late with my payments. I deferred payments XX/XX/year> and XX/XX/year>. The company came and repoed my car because they made a mistake with the paperwork. I immediately redeemed my car and they apologized. Now that Im trying to purchase a home. I see that there is two late payments affecting me. I have paperwork stating that I was on a deferred payments plan. I called the company and they had a hard time finding the info and was told that because the account is closed and satisfied, to dispute it with the credit reporting agencies. This is beyond frustrating. I was a good customer to fifth third bank.
Product: Mortgage

I currently have a mortgage with   Ditech.
Ditech   is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of  XXXX  was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and  Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with  Ditech se cond payment a nd Ditech was  issued a payment back from their tax department on   XXXX   XXXX   XXXX     in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since    XXXX   XXXX   XXXX      and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.
Product: Debt collection

This was an account back in 2012 and its a military star credit card that I never had. U are only allowed to have this card if u are a servixe member. I have never been in the military I have tried to dispute this and got a police report and still hasnt been taken care of. They even put a tax lien on my social. The card was for XXXX and they have garnished 2 didfrent years one for XXXX. And the other garnishment of XXXX. Way over the limit they said its an interest bearing account and still gains interest. I dont know what to do. Im not liable for this debt. Ive done evwrything and they continue to harrass me and tell me that they will continue to garnish my taxes. And its just awful
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint against Wells Fargo Bank regarding their inadequate handling of a dispute I raised. 

On XXXX XXXX contacted Wells Fargo to dispute a transaction that appeared on my account statement. The details of the disputed transaction are as follows : Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Call Us Despite providing all necessary documentation and clearly explaining the issue, Wells Fargo has failed to resolve the dispute satisfactorily. Here is a summary of my interactions with Wells Fargo regarding this matter : 1. Initial Contact : On [ date ], I reported the dispute to Wells Fargos customer service and provided all requested information and supporting documents.

2. Follow-Up : Despite multiple follow-up calls and emails on [ specific dates ], I received either inadequate responses or no response at all.

3. Resolution Timeline : According to the banks policy, the dispute should have been resolved within days. However, it has now been days/weeks/months, and the issue remains unresolved.

4. Current Status : As of today, [ date ], I have not received any satisfactory resolution or even an update on the status of my dispute.

The lack of communication and resolution from Wells Fargo has caused me significant stress and inconvenience. I am requesting the CFPBs assistance in resolving this matter promptly and ensuring that Wells Fargo complies with all relevant consumer protection regulations. 

I have attached copies of all relevant correspondence and documentation for your review. Please let me know if you require any additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Mortgage

My wife XXXX and I have a mortgage with Truist bank. It has recently come to our attention that we have a significant shortage in our escrow account. It appears to us that Truist bank has not been collecting sufficient funds to pay our taxes and insurance for many years. Our taxes and insurance have not gone up significantly for several years so we are at a loss as to how we are now short. We feel that Truist has mismanaged our escrow account for many years and are now taking advantage of us due to our advanced age and inability to understand how they could have made such a significant error. 
I have never been late or missed a payment in 20+ years. I would prefer to handle my own taxes and insurance since they do not seem to be able to do so efficiently but they say do to a loan modification made back in 2008 I am not eligible for this option. 
I feel they have taken advantage of my age and mismanaged my funds I would be grateful for your help Regards XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old, {$2500.00} promissory personal loan magically converted into a mortgage attached to my primary residence. XXXX confirmed the loan was indeed a mortgage on my home and was in the XXXX lien position. Shellpoint is threating me with foreclosure and placing it on my credit. Statue of limitation on promissory notes is only 4 years. I shredded all my old XXXX doc 's long ago. I have called 3 times and sent in 3 requests for lien documents and strangely they ca n't find any.
Product: Bank account or service

I was given a deposit from a customer in the amount of {$4400.00} and before depositing it ( I could have cashed it at his bank ) the teller informed me that it would take 2 business days to clear and that {$200.00} would be available the next business day. So after getting a receipt saying the same thing I made arrangements with the customer to start Monday. Now I 've been informed that they put a security hold on my deposit and took back my {$200.00} deposit on this check so now they added 6 days to the time my check will clear with no reason why and wo n't do anything to expedite it. I 've called the customers bank to verify funds and now I 'm at risk of looking unprofessional for not showing up on the day we originally agreed to. What if anything can I do to take legal actions for the misinformation I was originally given which has lead to bad business practice at the hands of boa? I will be closing my account and changing banks as soon as my deposit clears I 'm just glad I did n't open a business account through them that would have been a huge mistake