23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The name on this mortgage is XXXX XXXX XXXX. XXXX, XXXX XXXX sent a registered security ( tracking # XXXX ) on XX/XX/XXXX to CEO XXXX XXXX XXXX with instructionals to credit the account with the interest/dividend that was on the remittance coupon, also provided documention ( certified copy ) from the secretary of state showing that there are no liens under name and to provide a lien release documentation from company showing that. Received a call from a XXXX XXXX on XX/XX/XXXX and mail on XX/XX/XXXX indicating that the loan was valid and that the documentation from the secretary of state showing no liens was not valid nor was it notarized.But the secretary of state is the highest notary and the document that I sent was straight from them in addition to him saying my form of payment was invalid and that it has to be U.S dollars but right on Wells fargo website it shows the form of payments that can be used to pay. On XX/XX/XXXX I mailed the full payoff balance with the coupon ( tracking # XXXX ), power of attorney, federal reserve act section 16 ( Notes issues ) and section 29 ( Civil Money Penalty ) with instructional ( opportunity to cure ) to CFO XXXX XXXX XXXX instructing to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete. I then got a response via phone on XX/XX/XXXX and mail on XX/XX/XXXX from XXXX XXXX and executive office case specialist indicating to call back but i requested a response from the CFO in writing not a case specialist.At this time the account has still yet to be credited. Then i mailed a notice of default on XX/XX/XXXX ( tracking # XXXX ) with the same instructionals to CFO XXXX XXXX XXXX to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete, with federal reserve act 16,29 and another full endorsed payoff bill. I then received another call on XX/XX/XXXX from XXXX XXXX with no remedy. This is a violation of securities and a breach of contract.i have reached out to the Office of the Comptroller of the Currency but they refered me to the CFPB. They are committing fraud by not letting me use the interest that they gained from securitizing the note for the mortgage and acting in bad faith by not even responding to the crediting of the account and only responding to what they want to respond to.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Barclays took over XXXX XXXX  from old navy and never sent me a new card. I called them on 4 seperate occasions asking for a new card as I could not access my account to pay it off online. I eventually paid it over the phone and still had to call 2 more times to request a card. As of almost 6 months later I have not received my card and they closed my account saying that I never paid which I did pay over the phone and have a paid file in my bank statement. When I called to get my card reinstated they said they would reinstate it and send me a new card. They never did. As of today, I called again to see what the status was and they said they do not know who told me that because they can not reinstate my card and there is nothing they can do about it anymore. I am waiting for a supervisor to call me but after making 5 phone calls to them I have no hope and my credit has now taken a hit because of their very poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX tried to submit online credit freeze application. This is a free service since XX/XX/XXXX and the company is bullying me by stating it can't verify my info online and wants me to send numerous documents in the mail to verify my identity. This is a tactic to get me to " forget about it, not worth the hassle '' type of thing. They have the most sophisticated online equipment made and are simply bullying me so I will go away. Shame!
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking prequalified offers through my XXXX XXXX app. It clearly stated it wont impact my credit score and a hard inquiry wont be used. A complete contradiction to what actually happened.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

The debt was paid in full agreed to for the settled amount and the balance is still showing owed on my credit report. I just want the information correctly updated to paid as settled with a XXXX balance reporting. This is hindering my process
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Vehicle loan or lease

hello and i would like to say i had a car loan with credit acceptance from XX/XX/XXXX until XX/XX/XXXX. and yes my car was repo during that time and I had to pay extra fees. I did try to get my payments lowered but they would not work with me at all. My vehicle is XXXX XXXX XXXX. I just paid my vehicle off XX/XX/XXXX. I one point I had to get a second job to catch my payments up. I paid XXXX, XXXX for a XXXX car. It took me 6 years to pay off. My car got repo in XXXX once im thinking XXXX. that amount of money was and is to much for used vehicle. With a six year contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 # XXXX it took over 30 days to get a response from TransUnion. Transunion sent their response and case was closed on XX/XX/2022. 

With that said, Transunion did not properly update the credit report with XXXX to report my late pays removed and account in good standing. 

Therefore, I contacted the US Department of Education Default resolution division and spoke to XXXX ID # XXXX on XX/XX/2022 to discuss the situation concerning TransUnion refusing to remove the late pays for XXXX. Agent stated the letter I received a year ago ( which was submitted with complaint and is attached ) should have sufficed and those late pays should shown as account in good standing per the Student Loan Rehab terms and conditions. He sent me another letter ( see attached ) and informed me this letter should clarify with the credit bureaus that they need to update my credit report to reflect no late pay s and in good standing. He told me if this doesn't work to contact the US Department of Education to let them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( XXXX ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Mortgage

Last XX/XX/2017 hurricane Irma hit Florida and the entire state was declared a disaster. A mortgage forebearance program was offered in which allowed you to not make your monthly mortgage payments and to my understanding the accrued payments and interest would simply be added on to the mortgage at the end of the forebearance period then I would resume making my monthly payments of XXXX. However PennyMac wanted a lump sum payment for all of it. What possible help would this program be to anyone? PennyMac then began foreclosure proceedings and informed me that I was responsible for all the charges involved with this if I wanted to keep my house. I negotiated a payment with them for around {$4500.00} to avoid them taking my house. I made a payment to them now starting in XXXX for my normal payment of {$360.00} hoping to continue with my normal monthly payments for the 26 years left on the note. PennyMac loan services called me Monday night and said I qualified for the modification program and my new payment would be {$330.00} but now mine would be a 40 mortgage loan. I am a XXXX XXXX and both these instances see like predatory lending to me.
Product: Mortgage

My escrow due increased. The mortgage company claims its due to a number provided by the tax department. 

I have documentation from the taxing authority stating they never provided the mortgage company this information. 

The mortgage company is asking I pay an additional XXXX  XXXX into escrow per year without any documentation or justification for the increased amount. This is a XXXX XXXX increase. 

I asked to take the escrow off of my mortgage and pay the taxes on my own so I can manage the savings and amounts. Because they have not held the mortgage for a year I am unable to apply and have lost trust the company will even let me manage my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, which I discovered in   XX/XX/XXXX . I immediately went to my local police department to file an official report. I contacted a ll the creditors and credit bureaus as I was instructed to do so by the  Federal Trade Commission- Identity Theft Dept. I have sent in all requested infor mation to  XXXX , including but not limited to a police report and completed ID Theft Affidavit, which they provided to me. Since returning the ID Theft Affidavit to  XXXX  I have yet to hear any information regarding the investigation of my accounts. They continue to harass me for payments and continue to pressure me to pay on fraudulent loans because they refuse to do an investigation. The only correspondence I have received from  XXXX  regarding my investigation is a generic template form that states the investigation is complete and they have verified all information. I have called  XXXX  and sent multiple letters and faxes requesting a detailed description of their method of investigation with no response. I have asked for copies of all the master promissory notes multiple times and have been completely ignored. They only respond to me to collect payment. I have had to pay on the fraudulent loans because they continue to report to the credit bureaus, which is deterimental to me credit score. This has been going on since   XX/XX/XXXX   and they have completely disregard my rights as a Californ ia Vitim of Identity  Theft.
Product: Mortgage

We have submitted a full short sale package along with an offer to purchase from a cash buyer. The investor would not order an appraisal would not counter our buyer or tell our buyer the amount they would want to XXXX to approve the offer. Our buyer is able and willing to counter to the amount the Lender would require. Our seller has no income, true hardship medical issues and has asked that the lender postpone the sale to approve the short sale. We even submitted a higher offer that we saw pending a drive by appraisal back in XXXX of 2019 to ask if that would help to approve and the lender would not entertain any offers even after all docs have been collected.
Product: Credit reporting or other personal consumer reports

RE : XXXX XX/XX/2024 Subjet : Final Request To Remove Unauthorized Hard Inquiries To whom it may concern, I would like to clarify that the Fair Credit Reporting Act does not explicitly specify a specific retention period for Unauthorized hard inquiries on a consumer report. The FCRA primarily focuses on regulating the accuracy, fairness and the privacy of the consumer 's credit information. The FCRA outlines the procedures that the credit bureaus must follow when collecting, maintaining, and reporting consumer credit information. While the FCRA does mention the inclusion of hard inquiries in credit reports, it does not prescribe a specific time frame for their removal. However, it's important to point out that credit bureaus has their own policies and procedures and practices regarding the retention period of hard inquiries. Equifax 's policies may vary from different credit bureaus. I am requesting a copy of Equifax 's policies and procedures and verification policies and procedures for the removal of Unauthorized hard inquiries verses the FCRA policies and procedures in question set forth by State and Federal Law. Credit Bureaus are not a Federal entity. Non compliance to the FCRA Law and If Equifax does not produce any proof they are claiming on my credit report, all Unauthorized hard inquiries shall be removed from my credit report promptly or face civil liability in court due to numerous violations of my consumer rights under the FCRA. There shall be no more reinvestigation into this matter. I have provided Equifax every documentation, every police report, FTC reports and all. There is absolutely nothing in the FCRA Law states that inquiries should be on a consumer 's report for 2 years. That is a policy of the credit bureaus.
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 from my file immediately : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally 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 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to law.
Product: Checking or savings account

Time ago I had an account with XXXX XXXX, during the covid they stat to take money out of my account insisting that I had a {$10.00} agreement to keep in the account in order not to pay fees, it is not true I had an old account it was open long time ago and I had no fees no minimum balance, I think the account was open around XXXX  in XXXX XXXX XXXX, during the covid while I was in XXXX they start to take money out of the account I called and they said the account was dormient, now they say I needed to have a minimum balance of {$10.00} it is all a lie please let me know if I can do anything to get my money because XXXX XXXX  they do whatever they what changing agreements, with out the signature and the counter part agreeing on their terms they just do what they what overnight
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.
Product: Mortgage

I made an application to the Nebraska Homeowners Assistance Fund and the application was approved in XXXX. The people from XXXX have been trying to communicate with our mortgage lender and servicer which is Shellpoint Mortgage Servicing for over two months now. They have sent electronic communication to Shellpoint requesting amounts due on the mortgage so they will be able to send funds for the delinquent mortgage but Shellpoint has not and will not respond at all. We have called Shellpoint over a dozen times and three way called them with the XXXX and they keep telling us they have no way of seeing if they received any communication. Shellpoint keeps sending letters of amounts due and foreclosure warnings but will not acknowledge the approved application with the XXXX. XXXX is ready to send funds over for the mortgage that is due but Shellpoint absolutely will not respond or acknowledge them and we are scared of getting foreclosed on our home. If there is any way you can help we would greatly appreciate it. 

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 for these violations