23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase bought my mortgage from a bank that went out of business, I became deliquent, cured the deficiency with in the amount of time allowed yet they proceeded with a foreclosure. I tried to obtain a modification to no avail as they sold and resold the servicing every time I was in the middle of trying. At the same time JP Morgan Chase had a law firm they retained proceed with the foreclosure. I repeatedly tried to contact JP Morgan Chase to discuss the mortgage the Judgement they obtained during court proceeding that I had no knowledge were even occurring. Each time I tried to contact JP Morgan Chase they claimed they had no interest in the property. Yet they had the Foreclosure mill law firm they hired proceed with enforcing the judgement they obtained yet claimed to have no interest in. I tried to work with XXXX they never sent me modification information as required by law. JP Morgan then purchased the property back for {$500.00}!!! XXXX claims they enforced the foreclosure sale judgement, if this is the case that was illegal because they were never awarded judgement JP Morgan was and another party cant enforce a judgement they do not own. JP Morgan Chase got paid through insurance for my mortgage since it was listed as an un collectable account. They then sold it and got paid again, now they purchased it for {$500.00} and intend to sell it AGAIN and make more money on the house. I do not see how these banks are allowed to continually break laws along with the foreclosure mill lawyers and they have to answer to no one. If I tried to enforce a judgement that was awarded to someone else a Judge would laugh me out of court and I would probably face fraud charges yet these banks and lawyers are allowed to do it every day. But I suppose when you even have XXXX letting discrepancies that JP Morgan has on their books slide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN  for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple letters and FTC reports have been submitted regarding the fraudulent reporting of XXXX on my credit reports. 
XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 - CFPB XX/XX/2020 XX/XX/2020 XX/XX/2020 They continue to ask for my ID, Social and bill with my current address. Each and every time I submit a letter to them, I include all items. At this point, they are sending out the same standard letter. Tracking numbers have been included in each complaint.
Product: Checking or savings account

On XX/XX/2020, my partner and I opened a business checking account at Capital One Bank. We deposited {$250.00} that day. On XX/XX/2020, I transferred {$25000.00} into the same account. On XX/XX/2020, the account shows the funds deposited but, inexplicably, {$0.00} are available for use. After hours of being routed and rerouted on the phone with the bank, we were finally told that no further explanation is available. We are a XXXX XXXX XXXX  and desperately need access to our funds. The bank has stolen our money from us.
Product: Credit reporting or other personal consumer reports

My credit bureau reports from XXXX, XXXX and Transunion are reporting an account opened XXXX with XXXX and XXXX assigned to XXXX XXXX XXXX XXXX XXXX with date of 1st delinquency XXXX. 
I sent a letter to XXXX on XXXX requesting I be provided proof of this agreement with my signature. Also I questioned why it was still being reported when the indicated date is beyond the 5 year time limit. 
The statute of limitations for credit card accounts under Missouri law, RSMo 516.120, is five years. 
The response letter I received from XXXX verified receipt of my letter requesting proof of my signature on a contract and rather than providing that proof to me simply responded that this account has been reported to the Credit Bureaus as " disputed ''. 
In the time it took to receive a response ( I mailed a certified letter on XX/XX/XXXX ) and received a letter dated XX/XX/XXXX advising me they had conducted an " investigation '' and that the information being provided to the Credit Bureaus is " accurate '' Because of the account being reported as 1st Delinquency of XXXX, that is considered a time barred account. I have also had numerous lawsuits filed through court after XXXX in which my bank account receiving Social Security be seized. 
I also have never received a 1099 C from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I took a look at all of my credit reports and noticed that I have an inaccurately reporting collection account on my experian profile ( XXXX XXXX - balance of {$1000.00} ). I have reached out to Experian numerous times to let them know that this account information does not match any accounts or timeframes that correspond with my specific personal information. I have disputed and requested validation of this account at least XXXX times over the past XXXX months and have not been given documentation of any properly performed investigations. I demand that this account be removed from my credit report as it is hindering my ability purchase a home and secure necessary funding for my small business. Assistance in this matter is greatly appreciated.
Product: Debt collection

The account was open without my authorization Identity fraud. This account Must be Removed Fraud. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove late payments on my credit report from my auto loan financed by Ally Financial.
Product: Money transfer, virtual currency, or money service

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. Also, monies not being able to be transferred stating a daily limit has been reached and no money was sent that day
Product: Debt collection

I have sent Amerifinancial many validation letters, the last one being sent XX/XX/2022, asking them to send me the information that verifies that this debt of XXXX belongs to me. I asked for information bearing my signature, that states that this my debt. I have asked for this on multiple occasions, and every time I have been ignored.
Product: Mortgage

I have been trying to work with RP Funding, Dovenmuehle Mortgage on a forbearance plan for my mortgage and they have been fighting this all the way. I had to get Consumer Finance Involved and had a hud counselor assigned summer of XXXX as they were not willing to work with me by providing a forbearance plan : claiming that forms were not received, forms were not completed, etc. HUD counselor was very helpful but the forbearance plan itself was not offered. 
Again in XXXX, I reached out to you for help and my mortgage company came through with a trial payment plan. XXXX payments of {$3300.00} XXXX in XXXX, XXXX in XXXX XXXX in XXXX were to be made. 
To date, RP Funding/ Dovenmuehle mortgage has received the XXXX checks. The payment for XXXX arrived XXXX day early due. I resent the XXXX payment on the XXXX because the first payment which was sent by XXXX Mail was delayed due to storms. XXXX will confirm this. 
Emails were sent to the mortgage company regarding this with instructions that if both checks arrive, apply the one that arrives last to XXXX. This did not happen. Multiple attempts to resolve this with XXXX XXXX XXXX failed. 
I did speak to a representative in Loss Mitigation who told me that I had met the requirements of the trial payment plan and I should receive the details of the new payment plan by mail. He did have to look in the system to see the XXXX check but assured me that all was as it should be. He indicated that it was OK that the check arrived XXXX day before XXXX when it was supposed to come during the month of XXXX, The very next day, I am receiving more calls from the mortgage company. Seems they want to keep both payments but now require an additional payment of {$3300.00} as they did not apply this check to the reference number and trial payment plan indicated in the memo. 
When this happened, I reached out to HUD counselor ( my contact was no longer there, spoke with someone else ) they provided a number for " Escallations department '' at RP Funding/Dovenmuehle Mortgage. They agreed to make the call with as this has been helpful in getting XXXX co to respond appropriately. Multiple attempts to reach someone, no one ever answered the phone. 
I personally ( without HUD ) called this number a minimum of XXXX times in a few days, the line is never answered. Called XXXX  company many more times and get nowhere. 
The bank will not stop payment or dispute the check as they say it is not their business what the recipient does with the money? That is insane. 
I would like the extra " trial payment '' to be returned as I am sending another check to ensure that I can receive the modified loan I am entitled to but have been literally fighting the XXXX company every step of the way. 
There are SO many complaints against this servicer, I will be looking into a follow up of the class action lawsuit that was just completed against them for the same exact behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i 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, credit repair services, or other personal consumer reports

I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they cannot remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT....I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
Product: Credit reporting or other personal consumer reports

I've checked my credit report and notice some inaccurate accounts reporting
Product: Credit reporting or other personal consumer reports

Explain in detail the source and process used to verify the validity of the following accounts listed on my credit report. The previous dispute came back as investigated, verified and updated. The process was not explained and the source was not given. By law, I am intitled to know the source that was used to verify information placed on my credit file. 

XXXX XXXX - 2 accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2 accounts XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number : XXXX. Account Name : XXXX/XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to TransUnion regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) TransUnion received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) TransUnion provided me with the investigation results on XX/XX/2018 stating the information was " verified as accurate and updated. '' ( See attached copy of TransUnion investigation results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) TransUnion 's investigation results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. TransUnion has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if TransUnion does not immediately remove this  account from my credit report, TransUnion will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Product: Debt collection

I have VA Insurance coverage, the bill was sent to my previous insurance company. Which then denied coverage. In XXXX I had provided all my new insurance information to XXXX XXXX XXXX XXXX XXXX XXXX I was told to disregard this bill. Since the VA pays all my bills, I should not have a balance. I have called to provide this information again to billing at XXXX XXXX XXXX XXXX, I was told they would take care of it. This Paragon Revenue Group has wrongfully billed me. I would like to have this debt removed from my account. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX  XXXX XXXX...
Product: Credit reporting

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. I created this fraud alert directly with Equifax earlier this month. Despite this fraud alert, an individual through XXXX and XXXX was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at XXXX and XXXX XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The negligence on the part of the financing manager at XXXX XXXX and loan officers at XXXX and XXXX XXXX is reprehensible. However, Equifax needs to have these inquires on my credit report removed immediately. I 've filed an additional police report with local law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) to TransUnion regarding unauthorized/fraudulent inquiries XX/XX/XXXX - XXXX XXXX  and XX/XX/XXXX - XXXX XXXX  that need to be removed from my credit report along with a copy of my photo ID. In response, I received a stall letter from them dated XX/XX/XXXX stating that it did not appear to be me requesting the information in my letter and that the request won't be completed unless it came directly from me, not to mention, they sent me a postcard advising me that the place a fraud report on my credit report, which I did not ask them or give them authorization to do. 

On XX/XX/XXXX I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) stating that the previous mention letter was a stall tactic and they are violating my rights as a consumer and that there was nowhere in the letter stating that I had a third-party request the information be deleted on my behalf. I received a letter in response explaining to me that companies obtaining my credit report has permissible purposed to do so, yet I explained to them that there was no purpose because I did not authorize those inquiries. 

On XX/XX/XXXX, I again contacted Transunion by certified mail ( XXXX XXXX XXXX XXXX XXXX ) advising them that I had recently received my report as well as the creditors which did not have any information of me initiating these inquires and that I would like them to be removed from my report. Again, I received correspondence from TransUnion dated XX/XX/XXXX with the same verbiage regarding " permissible purpose ''. 

On XX/XX/XXXX, I sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) which was refused and returned to me. I received correspondence dated XX/XX/XXXX from TransUnion stating that the request didn't appear to come from me but from a " credit clinic '' and if that was the case, they needed to identify themselves as such. 

They have repeatedly violated my rights under 15 USC 1681b by failing to delete inaccurate reporting.
Product: Payday loan, title loan, or personal loan

I have the all the details you will need I just am just busy today and did not have time to gather them. I had a payday loan for {$500.00} that I received over a year ago when the hurricane hit us here in Florida and I couldn't pay my bills I started struggling and eventually took a payday loan. I cleared that loan but was always chasing my tail, XXXX XXXX XXXX XXXX in Florida constantly called me 24 hours after I repaid my load and would ask " Just seeing if you needed some money this pay period ''? So I would be broke and hop on it, they made it sound so safe and never explained any consequences to me. Well I chased that loan every 2 weeks for a year paying on time and handing thousands of dollars in fees to this company. I was a GREAT customer. Well now my father is in the hospital with failing XXXX, I am trying to take care of his home and mine and they call me up to 20 times a day, they constantly re-process the loan and I ger more NSF fee 's. Then they call and text you until your scared and approve more deposit attempts just in a hope that a few extra bucks will come my way and clear this up. I wish I would have just gotten evicted instead of this loan but the thought of runing a perfect rent history scared me and they knew it, that's why they called so much to offer help they knew what I needed the money for. I want the phone calls to stop and the fee 's, how am I supposed to get ahead and why cant they work out a payment plan with me? This should be illegal to do these loans I feels o stupid at XXXX to end up in this spot. My bank account is screwed, im struggling now more than I was before the loan. Never again will I do one and I hope companies like this need to start a MUCH stricter loan process and not allow these people to call and offer loans as soon as the mandated law that says no loans until 24 hours of repayment is done they call you and offer you money to " help you out this week '' as they put it which tells me they know that you need the money after the first loan to deal with just paying off the last loan, that part should 100 % be criminal. No one should be able to solicit a loan after a payday loan 24 hours after its been repaid, thats set up for failure, it should be 1 loan a month max. This is a nightmare, but what was I supposed to do I needed a home for me and my daughter and the hurricane was a ripple effect of chasing my tail due to loosing all that work, I was off for 2 weeks with no pay, alot of us were.