23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??
Product: Credit reporting or other personal consumer reports

i was looking over my credit report, and i noticed unauthorized inquires and inaccurate information that i would like removed from credit report. i did not give consent to share my personal information to obtain a car loan, credit card. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The company equifax has continued to violate federal law 15 USC 1681 information on overdue child support. This company has reported inaccurately that the XXXX XXXX XXXX XXXX has over 35 missed payments. This reporting is in error and a violation of federal law this erroneous account stating late payments is in litagation and has been ruled in the client favor but equifax continues to re insert this information that was not court ordered or were they given consent which is another violation of 15 USC 1681 ( B ) permissible purpose and also violates the federal rule of estoppel. Equifax must remove the XXXX XXXX XXXX XXXX ( child support ) immediately or face a civil suit in chancery court and damages for the consumer not being able to obtain credit.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, I am to formally express my concerns regarding Zelles 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 institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

On XX/XX/XXXX I discovered a derogatory on my Credit report that I had no knowledge of or a clue as to how it appeared on my report. I haven't visited an Emergency room in years! How can someone just abuse my personal information like this? 

XXXX XXXXXXXX XXXX XXXX 
{$120.00} XXXX charge off/collection
Product: Credit reporting or other personal consumer reports

Upon checking my Equifax and XXXX Credit Reports on XX/XX/XXXX, I noticed several unauthorized inquiries on my credit reports I did NOT authorize or recognize. I also know according to the FCRA, these unverified and unauthorized items must be removed. I also noticed a credit collection in the amount of {$540.00} from XXXX XXXX XXXX ( original creditor XXXX XXXX  ) that I do not recognize that does not belong to me that needs to be removed immediately. I have placed security freezes on both credit reports as well as filed an FTC report and contacted the Creditors but did not get any resolution. The 7 Inquiries listed on my Equifax credit report that are unauthorized are : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The 21 inquiries listed on my XXXX Credit report are : XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX The FTC Report Number for Equifax is XXXX. The FTC Report Number for XXXX is XXXX...
Product: Debt collection

That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response This letter is a request for the steps that your company took when investigating the disputed items. 
Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred. 

you company is reporting this account as an collections when this account has been paid in full and should be reported as such your company is also reporting collections on the same date paid in full? how? when their was never a collections or default? 

provide me the following ; PROVIDE THE FOLLOWING : LICESNES TO COLLECT IN MY STATE ORIGANAL INDEBTNESS CONTRACT WITH MY WET INK SIGNATURE COPY OF THE STATUE OF LIMITATION IN MY STATE TO INSURE YOUR IN COMPLAINCE COPY OF THE PURCHASE AGGREEMENT WITH ALL TERMS ATTACHED FULL ACCOUNTANTING
Product: Credit reporting or other personal consumer reports

I've mailed out documents with request of basic dispute along with reinvestigation and for proof of validate of debt. 

XXXX, Equifax and XXXX are in non - compliance with my request. I have attached the documents that were mail out of from XX/XX/XXXX - XX/XX/XXXX ) XXXX. 
I have also attached proof of identity. Proof of employment and address along with a notarized identification letter. 

I have contact the credit agency regarding the inaccurate and errors that are on my consumer report. From personal information to accounts with medical and closed account who are NOT associated with me. I have also place a fraud alert on my consumer report till these investigations and items are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

just XX/XX/XXXX i filed a dispute on a item i have no written instructions with any accounts on my credit profile, one in particular was deleted and resinserted the same day causing extreme harm to my credit report. i contacted XXXX  and the creditor they just ask or payment and do not follow the law. i have massive violations that is keeping me from obtaining housing my family and i hve to leave this shelter in 45 days an i can not acquire housing due to massive improper reporting. these items are in well over XXXX in violations just on 1 account i have found several account in all which are reporting negative should be deleted immediatley. cfpb my rights have been violated, im seeking immediates relief on all my reports.

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 states : a consumer reporting agency can not furnish a account with out my written instrutions. 
also the credit bureaus took more than 30 days. 
i also was not notified with in 5 days of many disputes on my profile i have several different amounts from account on my profiles which need to be removed and inquiries off of my XXXX  report as well. these things are more violation as well as improper names on XXXX XXXX should be listed only only address is XXXX XXXX XXXX XXXX XXXX XXXX nothing else. these items on my credit report have severly damaged my life prevent me to acquire housing al the u.s.c codes that have been broken is ridiculous. i have reached out mutiple times on accounts and they just want payment not follow the law. i would like monetary action and or immediate removal of each negative account as follows XXXX has 8 addresses and a southwest job listed with out my permission and multiple names should only be XXXX XXXX no middle XXXX  reporting jobs inaccurately. 
my entire account profiles do not match as they should from all three bureaus XXXX  reporting a balance of XXXX XXXX reporting a balace of XXXX experian reporting balance of XXXX XXXX  has 11 inquiries that should be removed there is a bankruptcy listed on all three that should be removed. 

i have the following accounts on all three reports that need to be deleted XXXX XXXX XXXX XXXX on all three reports {$20.00} collection : : : XXXX XXXX XXXX  # XXXX on all three reports {$880.00} XXXX  XXXX # XXXX is reporting open when its closed and also reported several late pays, remove this account immediately plus amount is incurrate {$660.00} XXXX XXXX # XXXX {$480.00} XX/XX/XXXX XXXX XXXX # XXXX {$460.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX  # XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXX # XXXX {$940.00} XX/XX/XXXX bankruptcy XXXX please investigate all these items and delete
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. DELETE the account listed : ( XXXX XXXXXXXX FIN XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I disputed this twice, it was removed and XXXX erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 possibleaccuracy 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 thereinvestigation ; 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 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: Mortgage

NewRez Mortgage also known as NewRez LLC has ignored my request to take my account out of escrow, even though my original note never had this as a requirement. I wrote my first letter to them in XXXX of XXXX after my mortgage was sold to them. Unfortunately, this year, they have taken almost {$4800.00} in escrow and although they claim they have paid my property taxes, they have not. As of today, ( XX/XX/XXXX ), they are still unpaid. I have a telephone recording where the representative assures me they were paid on the XXXX of XXXX. As I can see online, I'm not the only person this has happened to. XXXX XXXX XXXX? XXXX In XXXX of XXXX I was suddenly unable to make my mortgage payments online due to an " invalid bank account number, '' even though I have had the same bank account number stored ever since my mortgage was sold to them in XXXX of XXXX. As I suspected, this has affected others as well, as they are charging late fees when customers are unable to complete their payments online. In the same recorded phone conversation mentioned above, I have the same customer service representative stating that on XX/XX/XXXX, someone notated something to the effect in my account that this issue was fixed, however, it was not. I was unable to make my XXXX payment online and had to call to make my payment over the phone. 

This company appears to be profiting off of their dishonest practices of supposed " technical glitches '' that they promise to fix, but do not fix, and all the while they are charging late fees. Additionally, I am ALARMED at the amount of people who are complaining online, ( of which I am one ), about NewRez NOT paying property taxes and/or insurance for which they have collected the money. 

I can not afford to pay my property taxes twice. I am in Texas, and with a property tax bill that is almost {$5000.00}, I would have to come up with another {$5000.00} right now in order to pay again. Additionally, this puts a worse tax burden on me as now my property taxes were not paid in XXXX. Is there anyone who can help me get released from escrow at NewRez and force them to pay my taxes with the money that I have already paid them?
Product: Mortgage

In XXXX XXXX we purchased a house through quickens loan. This company was unprofessional and could not seem to get our paperwork together and delayed the loan process to the point that we had almost lost the house we were trying to buy almost making us homeless. We finally got it worked out and closed on the very last day of the extension we had with the bank of the house we were buying. Then XXXX XXXX ( a year later ) I received a call from quickens loan stating my mortgage payment was not made. I make my payment through an accelerator program were they pull the payment right from my account so I know the payment was made. I have never missed or had a late payment on any house that I have bought. After several calls to quickens they did not seem to know why my payment jumped up XXXX dollars a month. I continued to get person after person and each one had a different reason as to why the payment went up. During this time I pulled my closing paperwork out to comparing the numbers and come to find out quickens used the assessed value of the house instead of the actual tax numbers that were supplied to them from the township tax assessor. In my closing package it did not have the assessed value paperwork it had the actual tax paperwork. When this was brought up to quickens they stated that they were aware of making some errors on our loan. And they way they offered to fix it was to remortgage our loan. I do n't think I should get charged again for their mistakes. Quickens falsified our numbers in order to close the deal with us knowing full well that it would come back on us. I believe they completely mislead us and caused us so many frustrating nights. XXXX XXXX XXXX we have remortgaged our house through another mortgage company. But I continue to get threatening phone calls from quickens stating they are going negatively affect out credit if we do n't make the XXXX extra payment even though their system shows that the balance will be paid in full. The new mortgage company contacted quickens and adjusted our new mortgage to cover all monies owed to quickens. Again quickens is aware of this but they are still threatening me on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that have no permissible purpose to appear on my credit report XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE EXPERIAN, XXXX  XXXX XXXX AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Product: Vehicle loan or lease

On XX/XX/XXXX, I woke up and seen that my XXXX XXXX XXXX was missing. My heart dropped because I had a car stolen from my house before. I called the police and reported it stolen. Later that day, the XXXX police told me that my truck has been repossessed. I brought the truck on XX/XX/XXXX from the XXXX XXXX Police auto auction. I paid for it in full and have a clean and clear title. Since they took the truck on XXXX XXXX weekend, I had to wait until that Tuesday to find out what happened to my truck. The tow company told me that the truck was repossessed by Credit Acceptance. I called Credit Acceptance and they told me to send in my title and bill of sale, and they should release the truck in 24-48 hours. I called back in after 48 hours, and was told that they were still investigating. Finally on the XXXX of XXXX, they said I could have my truck back. I told them I had no way of getting it since it was towed out of state. After numerous calls, they agreed to tow my truck back on XX/XX/XXXX. My truck came back with a rip in the front seat. All my families ' belonging thrown together in a big bag. I called Credit Acceptance to see how they were going to remedy this saturation. They told me I had to have a before picture of the seat, which I do not have. I think most people do not keep before and after pictures of their car seats. They are not telling me what they are going to do about me missing work or the car rental I had to do to take my mother to the doctor. I can get the car rental agreement, but the picture of seat or my work information should not be my burden for their mistake.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXXXXXX XXXX XXXX  2. My Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXXXXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX