23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

While in the process of trying to close escrow to sell my home, for a $ XXXX purchase price, I was notified by my escrow company that there is a lien on my title due to Statebridge Company 's failure to obtain/record the necessary transfer/loan closure documents when I refinanced earlier this year. XXXX XXXX  paid off my loan/mortgage, to Statebridge, on XX/XX/2021. It has become my understanding that Statebridge ( a mortgage servicer ) needs the loan funder, XXXX XXXX XXXXXXXX XXXX XXXX, to sign the necessary loan closure/transfer documents in order for Statebridge to record the documents and remove the lien on my home. 
I have been actively trying to resolve this problem with Statebridge since XX/XX/2021. I have had brief conversations about the general topic with the various phone reps who are assigned my calls ( but they are unable to assist me ) ; and, not once have I received a return phone call in response to voicemails I have left on direct supervisor lines, nor have I received returned emails. 
I finally got connected to an operations manager when I said I would need to file suit if escrow falls through. We spoke on XX/XX/2021. He said he would get involved directly with their internal lien department manager and would " escalate '' the problem. He begrudgingly gave me his direct line. He has not followed up with me, nor returned my voicemails since that time. My escrow was supposed to close on Friday, XX/XX/2021 and I had XXXX understanding of any progress having been made. I have been able to extend the COE date 2 weeks ; but, I have no understanding that the problem will be fixed by then. I need someone to intervene on my behalf to push this through asap, so I do not lose this sale. 
It is my understanding that these lenders/loan servicers are required to file/record these documents in a timely manner, which I believe is within at least 2 weeks. It has now been 5 1/2 months. And, honestly, the way they act, I am certain this issue was off their table altogether, and the documents never would have been filed if I had not decided to sell my home/discovered Statebridge had not ever obtained/recorded the transfer/closure documents. 
Please also see their XXXX star XXXX reviews. Every single issue a consumer has complained about with this company, I have experienced as well. In fact, at one point, funds were inexplicably just moving around in, taken out of, my mortgage account, and when I finally spoke to a supervisor, she acted hostile towards me. This company is terrible, shady, and they do not adhere to their legal obligations. They should absolutely not be licensed or allowed to practice as a mortgage servicer. At the very least, a full investigation should be conducted as to their failing business practices. And, what is the most frustrating -- to a lot of homeowners I expect -- is that my loan just automatically got transferred to this company without my knowledge. I would have never allowed a XXXX star company, with the type of complaints their customers have made about them, to service my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

I had a mortgage serviced by Shellpoint mortgage. I refinanced my mortgage through another mortgage company and paid off my existing mortgage with Shellpoint. 

The payoff details they provided me with is confusing and appears to be inaccurate. I've contacted them several times to connect with my closing officer to review the transaction history associated with the payoff of the loan. I provided them with all the necessary written authorizations for them to speak with my closing officer. He has since called them 2 times and I have now emailed them 4 times with NO response. It appears they owe me another $ XXXX and they will not respond. 

They are making it impossible for me to get a clear understanding of the payoff and the remaining balance they owe me and WILL NOT RESPOND to get this cleared up. 

I'm happy to provide you with the payoff payment history so that you can see how confusing it is. My closing officer IS ALSO confused by the payoff history. 

XXXX
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 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; Medical XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

TMS received our XXXX Mortgage payment but did not apply the funds to our account. This is confirmed on their statement as well as from our bank. Now TMC is requesting a double payment mortgage payment for XXXX. 
I spoke with XXXX at TMS at XXXX on XX/XX/23. The first response was that it was my fault as I did not say what our payment was for - the amount was the exact dollar amount of our mortgage and we only have a mortgage account at TMS. I asked if this would negatively impact out credit, she could not confirm. I asked for supervisor and one was not available and would call me back. After asking to speak with the Office of the President to file a complaint for unfair and deceptive practices, she said they did not have one. The reason then changed as it was due to our servicing changing. I asked for a letter documenting that my payment would be credited, again that was not possible. I am still waiting on a supervisor to call me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have illegally obtained information about my bankruptcy and inaccurately reported it on my credit profile. I have documentation from the bankruptcy court explicitly confirming that they did not share this information with any credit bureaus, yet it is being reported on my credit file as of XX/XX/year>. This false reporting has severely impacted my ability to obtain credit, as lenders rely on the information provided by these credit bureaus to assess my creditworthiness. The presence of an improperly reported bankruptcy has led to declined credit applications, higher interest rates, and damage to my financial reputation, despite the courts verification that no such disclosure was authorized or made.
Product: Credit reporting or other personal consumer reports

my personal information is being associated with negative items. The specific items are the following XXXX XXXX XXXX act. # XXXX {$440.00} ( XXXX ) CREDIT COLLECTION SERVC ACCT. # XXXX {$270.00} ( XXXX ) XXXX XXXX # XXXX {$310.00} ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX {$850.00} ( XXXX ) I have included the Collection office, account number, amount in question, original merchant name.

These four items belong to an address with which I am not associated to. Also, 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.

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 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 or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/XXXX XXXX did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXXXXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXXXXXX XXXX XXXX XXXX and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX  and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, U.S. Department of Education/ XXXX XXXX XXXX XXXX XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 Balance {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for any credit. And it shows all XXXX XXXX and credit cards I have not applied for nothing but XXXX XXXX so why is these hard inquiries on my credit?
Product: Debt collection

On XXXX XXXX I received a letter from XXXX XXXX XXXX attempting to collect a debt XXXX XXXX XXXX XXXXXXXX XXXX the original date this account opened was XX/XX/XXXX The charge off date was XX/XX/XXXX Statue of limitations in NYS XXXX  years. ( XXXX ) This account has LONG expired. Out the the blue XXXX day I get a letter saying I owe {$1000.00} in interest and {$1300.00} of the debt totaling {$2300.00}??? So to protect myself of deceptive I challenged the integrity of the debt the legaty by requesting a letter of validation in regards of the statue of limitations of the debt they are refusing to cooperate and explain WHEN the {$1000.00} in interest when did it all begin where are the dates why dont I see them? Continue to hound me the debt has long expired and an unscrupulous debt collector ( s ) are trying to take advantage by using deceptive behavior phone calls and I want this to STOP! The debt has expired!
Product: Debt collection

In XXXX I called this company to find out what was the debt on these three accounts. One was {$770.00}, {$2500.00}, and {$2400.00}. XXXX XXXX I paid two of the accounts and explained to them that one of the accounts I did n't have. I paid the {$770.00} and XXXX. The agreement was to pay the accounts and they would be removed. In XXXX I called Portfolio Recovery Associates, LLC to inform them that the accounts still were showing on my credit report. About two days later I received a letter on one of the account saying they were deleting one of the accounts. I waited two more months and went to apply for a home loan and found out all the accounts were still showing. I 'm in the process of trying to get a home for my XXXX XXXX sons and due to their condition we have to have a lot of modification to the house.
Product: Mortgage

I started working from home cause I cause covid twice. I work for the lab that was doing the testing got a chance to work from home but it did not turn out how I wished it would I lost pay and was unable to pay my mortgage so I went back into the building so I would be able to provide for my family
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX, XXXX, Equifax and XXXX are in direct violation of the FCRA Laws list below. 
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.

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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited techincal issues, which may violate the Electronic funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld and I receive my funds that were supposed to be deposited already. Thank you
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b
) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX* I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX** section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher of that information. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Delete any other address listed on my credit report other than XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

I appreciate your prompt attention to this matter, and await your response. 

Sincerely, XXXX XXXX XXXX included with Victim of Identity Theft/fraud letter mailed to the credit bureau Copy of Police Identity Theft Report Proof of identity : copy of drivers license XXXX XXXX XXXXy XXXX partial credit account number
Product: Mortgage

USBank is my mortgage holder. for the past XXXX  months they have been mishandling my mortgage payments. on or about XX/XX/XXXX i received my annual escrow analysis. as I did XXXX XXXX every month I make my payment early and overpay {$200.00} to princile and direct {$30.00} XXXX to escrow. i submit a monthly check with USBANKS. payment stub. On that payment stub i directed the additional payment goes as directed. In 24 months USBank only directed the addition escrow one time XX/XX/XXXX. XX/XX/XXXX i spoke with them and they said they would rectify the problem. They did not. I have spoken with USBANK several times. they claim i have a shortage of {$1500.00}. i explained that that is ridiculous i overpay and i spoke with my city about the taxes and my isurance Co. both told me USBANKS # s are flawed and way off. I explained on advice from the city of XXXX and my insurance agency i will pay taxes and insurance directly. since they are mishandling my funds. They were rude at me. told me the way they applied the funds was better for me. told me to write a letter if i wanted to " escalate ''. my claims. So, I did and have not heard back from them. thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.